your car. covered properly.
Two-wheelers, four-wheelers. Third-party + Own Damage + Comprehensive. Picked from 11 general insurers on panel. Six add-ons to actually understand — zero-dep, engine protect, return-to-invoice, key replacement, consumables, NCB protection — not bundled in by default, picked when they fit.
three covers. one engine.
Indian motor insurance has three coverage tiers. Third-party is the legal floor — mandatory but pays nothing for your own vehicle. Own-damage adds your bumper, mirror, engine. Comprehensive bundles both plus a few extras. Most people buy the wrong tier for the wrong reason.
Covers liability if you damage someone else's vehicle, property, or injure a third party. Mandatory under the Motor Vehicles Act. Pays nothing if your own bike or car gets damaged or stolen. Buy it because the law requires; don't stop here.
Pays for damage to your own vehicle — accidents, theft, fire, natural calamities, malicious damage. Doesn't include third-party. Usually bought as part of comprehensive, but available standalone if you already have separate third-party (rare).
The standard recommendation for most owners. Third-party + own damage + personal accident cover for owner-driver + 24×7 roadside assistance + the add-ons you choose. Premium is higher but covers the realistic scenarios that actually wreck a household budget.
six add-ons. picked, not pushed.
Insurance aggregators love to bundle every add-on by default — it pads the premium 30-50%. Most aren't worth it for your specific car. Here's the call we'd make on each, based on the flyer's six options.
Pays full claim without depreciating parts (paint, plastic, rubber). Worth it for cars under 3 years old or premium cars where parts are expensive. Skip for older cars where the depreciation is already baked in.
Covers engine damage from water ingress and lubricant leak. Worth it in flood-prone Mumbai. Especially relevant if you park in basement or low-lying areas in monsoon.
If your car is stolen or totalled, pays the invoice price not the depreciated IDV. Worth it for the first 3 years of a new car — depreciation hits hard early on.
Pays for replacing lost or damaged smart keys. Worth it for premium cars where the smart key costs ₹15K-30K. Skip for older / cheaper cars.
Pays for consumables (engine oil, nuts, bolts) during claims. Cheap add-on, usually worth taking. Adds ₹400-800 to annual premium for ₹5K-10K of potential savings on a claim.
If you make one claim during the year, NCB Protection lets you keep your No Claim Bonus. Worth it after 4-5 years of clean claim history when your accumulated NCB is 35-50%.
Motor insurance is offered through funds to wealth., with Archita as a Point of Sales Person (POSP) of D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed insurance broker. The actual policy contract is between you and the chosen insurer. Panel insurers include Acko, Bajaj Allianz, HDFC Ergo, ICICI Lombard, Digit, Kotak General, Reliance General, TATA AIG, Chola MS, Shriram General, Magma HDI and others.
Motor Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Third-party liability cover is mandatory under Section 146 of the Motor Vehicles Act, 1988. IDV (Insured Declared Value) is set at the time of policy issue and depreciates as per IRDAI norms.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
Third-party only or comprehensive — which one do I need?
Third-party is the legal minimum — covers what you do to others, nothing else. Comprehensive covers your vehicle too. Comprehensive premium is higher (often 3-5x) but pays out in 95% of realistic scenarios. Pure third-party only makes sense for very old cars where the IDV is low and you can self-insure repairs. Otherwise: comprehensive.
Should I really pay for zero-depreciation?
Yes for cars under 3 years old. Plastic, rubber, paint, fibre depreciate 30-50% per year in claim calculations. Zero-dep means full claim payout without that haircut. For a ₹15L car, the premium add is ~₹3K-5K but a single claim saves you ₹15K-30K. Skip for cars older than 5 years — the math flips.
My car insurance is up for renewal. Should I switch insurers?
Sometimes yes, sometimes the cost of switching (lost NCB if mishandled, paperwork, new inspection) isn't worth it. We pull three quotes from the panel, compare cover + claim ratio + roadside network, and tell you if a switch makes sense. NCB transfers if done correctly — we manage it.
What's NCB and why does everyone obsess over it?
No Claim Bonus — a discount on your own-damage premium for every claim-free year. Starts at 20% after year 1, climbs to 50% by year 5. Reset to zero if you make even one claim. NCB Protection add-on (~₹500-1000) preserves your NCB even after one claim. Worth it once you're at 35%+.
If I have an accident, how does the claim actually work?
Two routes: cashless at a network garage (insurer pays the garage directly) or reimbursement (you pay, claim back). For minor scratches under ₹15K it's often cheaper to pay yourself and protect your NCB. For bigger damage we walk you through the FIR / surveyor / approval flow. Average claim settlement: 7-15 days.
Do I pay funds to wealth anything for this?
No. You pay only the premium, exactly as priced by the insurer — nothing extra for coming through us. Insurance is solicited via D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed broker, and everything we do operates within IRDAI rules. The honest fine print is at /disclosures.
let's insure your ride.
A 20-minute call. We'll pull three quotes from the panel, compare cover + add-ons + claim ratios, and tell you which insurer wins for your specific car this renewal cycle.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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