Compare and Buy Online Insurance Policies in India : DirectInsure

Motor Insurance

You have spent you hard earned money to purchase your dream vehicle. Now let’s protect it too. Motor Insurance is essential to avoid the financial losses that one might incur due to an accident or theft of your prized Automobile. By Law, Motor Insurance is a mandatory pre-requisite, for all vehicles, in order to drive them around the varied landscapes of our beautiful country. So whether you own a Car, Motorcycle, Scooter, etc. a Motor Insurance Policy is a must have. Various types of covers are offered by Insurers for your need and budget. A pre-determined value is considered according to the Insured Declared Value (IDV) of the vehicle for the premium to be paid by the policyholder, periodically. IDV is basically the current market value of the vehicle as per the insurer’s estimates. DirectInsure lets you compare & choose the best coverage option for your prized possession.

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Benefits of Motor Insurance

Coverage against loss/damage to vehicle caused by – Accident or Theft. The coverage also covers damages incurred due to fire/ explosion/ Act of terrorism/ natural calamities.

Coverage against unexpected financial burden caused by Loss of someone’s life or damage to someone's property, due to your vehicle.

DirectInsure helps you choose the right plan the best price. While buying from DirectInsure, you have the freedom to compare plans and choose, without having to pay anything for the comparison. Once you have decided, either on your own or during discussions with our Motor Insurance Specialists, you can then go ahead and pay for the Insurance cover, from wherever you are, at upto 50% discount in rates. We simply help you Insure your Future-Today.

DirectInsure is approved & licensed by the Insurance Regulatory & Development Authority of India (IRDAI) to facilitate the comparison and sale of insurance policies to all customers online.

Types of Motor Insurance Coverage Offered

Third Party Liability Coverage

This coverage only covers the damage to property or the unfortunate loss of life of a third person due to you & your vehicle. This does not cover any damage to your vehicle or injuries sustained by you. It basically refers covers the minimum risks as listed by the Motor Vehicles Act, 1939. As per the law, its mandatory to have Third party liability coverage for each motor-vehicle.

Comprehensive coverage

This product provides wider coverage to the insured motor-vehicle Owner and the Third party as well. In addition to covering loss/damage to a third party individual or their property, this comprehensive coverage takes care of the maximum expenses that can occur due to damage to your motor-vehicle in an accident/theft or any other reason. Comprehensive plans take care of all damages caused due to natural calamities, fire and much more as well. You can also enhance the comprehensive coverage by choosing Add-On covers.

Add On Benefits of a Motor Insurance Policy

An Insurance policy for your loved motor vehicle

An Insurance policy for your loved motor vehicle is mandatory but you can also enhance the scope of coverage by choosing various Add-On covers that minimise your risk & liability in case of an unfortunate incident.

ZeroDep - Zero Depreciation Cover

As the vehicle wears and tears gradually, depreciation is the gradual reduction in the value of the vehicle over the years. Many insurance companies offer protection to the policyholders from the loss of depreciation and allow you to claim the amount for deprecation by replacement or repair of the damaged car part. ZeroDep or zero depreciation cover helps you beat depreciation on car parts. It's also known as Bumper-to-Bumper Cover or Nil Depreciation. In case of an unfortunate accident, ZeroDep would help you in greatly reducing the amount of money spent from your pocket, for replacing damaged parts of your car. It costs anywhere between 12-20% of the regular premium and is a must have. Its highly recommended for cars less than 5 years old.

NCB - No Claim Bonus

When you took all the care to avoid all accidents during the complete year your car was insured, why not be rewarded for it. This special benefit is the No-Claim Bonus. Not only does a No-Claim Bonus help while renewing the policy, the benefits keep on increasing if you continue to be careful. Benefits can go upto 50% discount in premiums for No-Claims availed by Car owner for consecutive years. Now that’s the way I like it, Aha.

RSA - Roadside Assistance

With a vehicle insurance policy, you will get various kinds of assistance in a form of add-on covers. These can be emergency transport in case of an immobile vehicle, daily allowances to cover costs of transport when your vehicle is inoperable, assistance in case of a dead battery, taxi benefits, towing facilities, assistance if the fuel in the car runs out, freebies and many more. These small things really help a lot when you get stuck in such sticky situations.

Invoice cover

Its Commonly known as the Return to Invoice cover. This add on benefit assists the insured in case of a complete loss of your vehicle because of any damage caused by an accident. In such a situation, the insurance company will pay the depreciated value of the car, but with the help of this add-on cover, you will receive an amount that will assist you in buying a new vehicle.

Key Replacement Cover

This add on feature of the insurance plan is a big help to you if you unfortunately lose the keys of your car. The cost of ordering a replacement key is considerable and this feature will cover the expenses of ordering a replacement key. This add-also helps cover the cost if at all your locks need replacement as well, but you can normally avail this only once during your policy tenure..

Coverage against personal Accident

Damage/loss due to acts of God like flood or earthquake & manmade factors are also covered under comprehensive car insurance policies offered by various Insurance Companies. Act of God examples – landslide, storm, lightning, hurricane, hailstorm, snow etc. Man-made factors examples- Riots, Theft, Strike, terrorist activity, damages in transit by rail, road, lift, elevator, inland waterway or air are included in the policy agreement.

Daily Cash Allowance

After sending your Vehicle to the Authorised Service Centre for periodic maintenance and the Service Centre does not deliver your vehicle in the promised time-period, you can file a claim to be eligible to receive cash to cover your expenses for commuting.

Documents Required to purchase Motor Insurance on DirectInsure

Purchasing motor insurance online requires very minimal documentation. If you are buying a new insurance policy, then you need to fill a proposal form and provide a copy of Registration Certificate (RC) of your new vehicle.
When renewing the Insurance for a vehicle, you need to provide a copy of the vehicle’s Registration Certificate (RC) along with a copy of the previous insurance policy. We advise you to ensure that the correct information is provided while filling the form, so that no problem arise if & when you need to file a claim. Carefully read the details of various Insurance companies and compare the various plans before making a final choice. If you require our assistance, our Motor Insurance Specilaist are eager to help you make the right choice. Choose DirectInsure and Insure your Future-Today.