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🚗 Motor Insurance

Protect Your Vehicle,
Drive Without Worry

Compare plans from 20+ leading insurers. Buy online in minutes. Cashless claim at 7,500+ garages across India.

Calculate Premium
✓ Instant Policy Issuance
✓ Cashless Claims
✓ 24/7 Roadside Assistance
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Bike / Two-Wheeler Insurance

As per the Motor Vehicles Act, 1988, at least a Third-Party insurance is mandatory by law for all two-wheelers in India. Riding without insurance is a punishable offence with a fine of 2,000 for first-time offenders.

Plan Types

=️ Comprehensive Insurance (Recommended)

Covers own damage + third-party liability + theft. Protects you from all risks. Can add riders like Zero Depreciation, Engine Protection, Roadside Assistance.

Starting 1,200/year for 100cc bike
a️ Third-Party Only (Mandatory Minimum)

Covers legal liability for death, injury or property damage to a third party. Does NOT cover your own bike damage. Cheapest option  for legal compliance only.

IRDAI fixed: 714/year (upto 75cc) | 1,366/year (75-150cc)

What's Covered  and Excluded R


Accidental damage to your bike
Repairs or replacement after an accident

Theft of bike
Full IDV paid if bike is stolen and not recovered

Fire & natural calamities
Flood, earthquake, cyclone, hailstorm damage

Third-party liability
Injury/death to others, damage to their property

Personal Accident Cover for owner-driver
15 lakh cover included mandatorily
R
Drunk driving / driving without licence
Claims rejected if rider was intoxicated or unlicensed
R
Mechanical or electrical breakdown
Normal wear and tear not covered
R
Outside geographical limit
Accidents outside India not covered

Premium Factors

FactorImpact on Premium
Engine CC (cubic capacity)Higher CC = Higher premium
Age of bikeOlder bike = Lower IDV = Lower premium
Registration city (Zone A/B)Metro cities = Slightly higher
NCB (No Claim Bonus)0-5 yrs no claim = 20%-50% discount
Add-ons chosenEach rider adds 5-15% to premium
Voluntary deductibleHigher deductible = Lower premium

Popular Add-Ons

Zero Depreciation
Get full claim amount without depreciation deduction. Best for bikes under 5 years.
Engine Protection
Covers engine & gearbox damage due to waterlogging or oil leakage.
Roadside Assistance
24/7 help for breakdown, flat tyre, fuel delivery, towing across India.
Return to Invoice
Get invoice value (not IDV) if bike is stolen or total loss declared.

Documents Required

📄 Registration Certificate (RC)
📄 Driving Licence
📄 Previous Policy (for renewal)
📄 Aadhaar / PAN Card

Top Bike Insurers on CartiCare

x:️
HDFC Ergo
&&&&& 4.8/5
97.1% Claim Settlement
x
Bajaj Allianz
&&&&& 4.7/5
96.3% Claim Settlement
x
ICICI Lombard
&&&& 4.6/5
95.8% Claim Settlement
x️
New India Assurance
&&&& 4.5/5
94.2% Claim Settlement
xRx
Royal Sundaram
&&&& 4.4/5
93.7% Claim Settlement
x}
Tata AIG
&&&& 4.5/5
94.8% Claim Settlement

Car / Four-Wheeler Insurance

Third-party car insurance is mandatory by law in India. Comprehensive cover protects your car from accident damage, theft, natural disasters and legal liabilities  all in one policy.

Plan Types

=️Comprehensive Insurance (Recommended)

Own damage + Third-party + Personal Accident cover. Widest protection for your car. Can be enhanced with Zero Dep, Engine Protect, NCB Protect add-ons.

Starting 6,000/year for a hatchback
a️Third-Party Only

Mandatory minimum. Covers third-party death, injury and property damage. Your car damage NOT covered. Suitable for very old cars with low market value.

IRDAI fixed rates: 2,094 (upto 1000cc) | 3,416 (1000-1500cc) | 7,897 (above 1500cc)
xStandalone OD Policy

Own Damage only policy  pair with existing 5-year third-party policy for newer cars. Gives flexibility to choose different insurers for OD and TP.

What's Covered


Accidental damage
Collision, rollover, impact damage to your car

Theft & total loss
IDV paid if car is stolen or declared total loss

Natural disasters
Flood, cyclone, earthquake, hailstorm, lightning

Fire & explosion
Fire damage including self-ignition

Third-party liability
Unlimited liability for third-party death; 7.5L for property
R
Drunk driving
Claim rejected if driver was under influence of alcohol/drugs
R
Depreciation on parts
Standard policy deducts depreciation  avoidable with Zero Dep add-on
R
Consequential loss
Damage from driving with known mechanical fault

IDV & NCB Explained

IDV (Insured Declared Value)
Current market value of your car. This is the maximum claim amount for total loss or theft. Higher IDV = Higher premium but better protection. Choose IDV close to actual market value.
NCB (No Claim Bonus)  Your Reward for Safe Driving
Claim-Free YearsDiscount on OD Premium
1 Year20%
2 Years25%
3 Years35%
4 Years45%
5+ Years50%

Popular Add-Ons

Zero Depreciation
No depreciation deduction on parts. Get full repair cost. Ideal for cars under 5 years.
Engine & Gearbox Protect
Covers engine damage due to water ingression, oil leakage  not covered in standard policy.
Roadside Assistance
24/7 nationwide help  towing, flat tyre, fuel delivery, emergency accommodation.
NCB Protect
Preserves your No Claim Bonus even after one claim in a policy year.
Return to Invoice
Get original invoice value for total loss/theft, not just IDV.
Consumables Cover
Covers cost of nuts, bolts, engine oil, coolant etc. during repairs.

Commercial Vehicle Insurance

Third-party insurance is compulsory by law for all commercial vehicles. CartiCare helps you insure trucks, buses, taxis, autos, school vans, and other commercial vehicles from leading insurers.

Vehicle Types Covered

🚚 Goods Carrying Vehicles (Trucks, Tempos)
🚌 Passenger Carrying (Buses, Mini-buses)
🚕 Taxis & Cabs (Ola, Uber, private)
🛺 Auto Rickshaws
🚐 School Vans & Staff Vehicles
🚜 Tractors & Farm Vehicles
🏗️ Cranes & Earth-moving equipment
🚑 Ambulances & Emergency Vehicles

Coverage


Own damage to vehicle
Accident, fire, theft, natural calamity

Third-party liability
Injury/death to passengers, pedestrians, property damage

Paid driver & cleaner cover
Personal accident cover for hired drivers & helpers

Goods in transit (optional)
Cover for cargo being transported
R
Overloading
Claims rejected if vehicle was carrying load beyond legal limit
R
Driving without valid permits
Commercial vehicle must have valid route permit and fitness certificate

Premium Factors

FactorImpact
GVW (Gross Vehicle Weight)Higher GVW = Higher premium
Vehicle ageOlder = Lower IDV = Lower premium
Vehicle usage (private/commercial hire)Commercial hire = Higher premium
Geographic zoneZone A (major cities) vs Zone B
NCBUp to 50% discount
Type (goods/passenger)Passenger = Higher liability risk

Required Documents

📄 RC (Registration Certificate)
📄 Driver's Commercial Licence
📄 Route Permit
 Fitness Certificate
📄 Previous Policy Copy
📄 Business Registration (if applicable)
x Fleet Discount Available
If you have 5+ vehicles, ask our advisor about fleet insurance discounts  up to 15% off on total premium.

Frequently Asked Questions

Third-party insurance covers damage/injury caused by your vehicle to others  it is mandatory by law. Comprehensive insurance additionally covers damage to your own vehicle from accidents, theft, fire, and natural calamities. We always recommend Comprehensive for better protection.
No Claim Bonus (NCB) is a discount given by the insurer when you don't make any claims during a policy year. It ranges from 20% (after 1 claim-free year) to 50% (after 5+ claim-free years) on the Own Damage premium. NCB is earned by the policyholder, not the vehicle  so you can transfer it when buying a new vehicle.
IDV (Insured Declared Value) is the current market value of your vehicle after depreciation. It is the maximum amount you can claim in case of total loss or theft. IDV is calculated based on the manufacturer's listed selling price minus depreciation as per IRDAI guidelines. For a 1-year-old car, depreciation is 15%; for 2 years, 20%; for 3 years, 30%, and so on.
Immediately after an accident: (1) Inform CartiCare or insurer's helpline within 24 hours. (2) File FIR if required (theft, third-party death/injury). (3) Don't move the vehicle without surveyor approval for major accidents. (4) For cashless claims, take vehicle to network garage. For reimbursement, get repairs done and submit bills with claim form. Our advisor will guide you through the entire process.
Yes. For a used vehicle, you need to transfer the existing insurance to your name within 14 days of purchase (for own damage) or 3 months (for third-party). If the existing policy has expired, you can buy a fresh comprehensive policy after inspection. Contact us for smooth transfer of insurance for second-hand vehicles.

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