Motor Insurance
Insurance protection for cars and two-wheelers against covered risks.
How we help
Third-party liability cover is required by law for every vehicle on the road in India. A comprehensive policy adds own-damage cover for your car or two-wheeler against accident, theft, fire and natural events.
We check the insured declared value, your no-claim bonus and add-ons such as zero depreciation or engine protection, and explain which are worth paying for on a vehicle of your car's age.
We remind you before the policy is due for renewal, and after an accident we help you through the claim and the surveyor's inspection.
What it covers
- Third-party liability cover
- Own-damage cover where selected
- Coverage subject to policy terms
Coverage, exclusions, and claim conditions depend on the policy and insurer.
Before you decide
Points to check
- 01An insured declared value (IDV) close to your vehicle's market value
- 02Your no-claim bonus carried over from the previous policy
- 03Add-ons such as zero depreciation, engine protection and roadside assistance
- 04Network garages near you for cashless repairs
- 05The renewal date, so that the policy never lapses
Common questions
What people ask us about Motor Insurance
Is third-party insurance enough?
It meets the legal requirement and covers damage you cause to other people and their property. It does not pay for damage to your own vehicle; a comprehensive policy adds that.
Do I lose my no-claim bonus if I change insurers?
No. The no-claim bonus belongs to you, not to the insurer, and can be carried over at renewal with proof from your previous policy.
What should I do after an accident?
Inform the insurer as soon as you can, take photographs, file a police report where required, and wait for the surveyor's inspection before repairs if the insurer asks for one. We help you through each step.
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Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.