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Motor Insurance

Protection for Your Vehicle and Financial Security

Motor insurance helps protect you from financial losses arising from accidents, theft, natural disasters, and third-party liabilities.

At HawkSarthi, we assist vehicle owners in evaluating motor insurance options across multiple insurers, helping them choose suitable coverage based on their vehicle usage, risk exposure, and protection needs.

Guiding Wealth. Guarding Futures.

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Motor Insurance
Motor Insurance
Motor Insurance
Motor Insurance
HawkSarthi
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Partnering with India’s Leading Motor Insurers

We help you access motor insurance solutions from leading general insurers in India.


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Why It Matters

Accidents and Damages Can Lead to Unexpected Financial Costs

Motor insurance helps cover financial losses that may arise from road accidents, vehicle damage, theft, and liability situations.

Motor insurance helps cover:

Damage to Your Vehicle

Repair costs arising from accidents, collisions, or self-damage.

Third-Party Liability

Injury or property damage caused to a third party in an accident.

Theft Protection

Financial compensation if your vehicle is stolen.

Natural Calamity Damages

Coverage for flood, earthquake, fire, and other natural events.

Mandatory Compliance

Third-party motor insurance is mandatory by law in India for all vehicles.

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Policy Types

Types of Motor Insurance — Quick Comparison

Different motor insurance types serve different needs. Understanding these helps you choose the right level of protection.

Policy Type What It Covers Best Suited For Key Consideration
Third Party Liability Insurance Covers injury or damage caused to a third party Mandatory for all vehicles Does not cover damage to your own vehicle
Comprehensive Motor Insurance Covers third-party liability + own vehicle damage Most vehicle owners Provides broader financial protection
Standalone Own Damage Cover Covers damage to your own vehicle Vehicles with an active third-party policy Useful for renewing own damage separately
Zero Depreciation Plans Full claim without depreciation deduction on parts New or premium vehicles Higher premium but better claim payout
Pay As You Drive Policies Premium based on vehicle usage Low mileage vehicle owners Requires usage tracking

Coverage Comparison — What a Comprehensive Policy Includes

Coverage Area What It Protects Against
Accidental Damage Damage due to road accidents
Theft Protection Loss if vehicle is stolen
Natural Calamities Flood, earthquake, cyclone, landslide
Fire Damage Fire or explosion related damage
Third Party Liability Injury or property damage to others
Personal Accident Cover Financial protection for owner-driver

Policy types, coverages, and terms are indicative. Actual coverage and premiums depend on insurer, vehicle type, registration, and policy structure.

Add-Ons & Riders

Important Add-Ons — Feature Comparison

Add-ons can significantly enhance your coverage. Here are the commonly available ones.

Add-On What It Covers Why It Is Useful
Zero Depreciation Cover No depreciation deduction on replaced parts Higher claim amount for repairs
Engine Protection Cover Engine damage due to water ingress or oil leakage Important in flood-prone areas
Roadside Assistance Emergency towing, battery jump start, fuel delivery Useful during breakdowns
Return to Invoice Cover Original invoice value in case of total loss or theft Important for new vehicles
Consumables Cover Nuts, bolts, lubricants, engine oil during repairs Reduces out-of-pocket repair expenses
Key Replacement Cover Cost of replacing lost or stolen car keys Useful for modern smart key vehicles
NCB Protection Protects No Claim Bonus even after a claim Maintains premium discounts
Tyre Protection Cover Damage to tyres and tubes Useful for vehicles used frequently on rough roads
Passenger Personal Accident Cover Coverage for passengers in the vehicle Adds extra safety for occupants
Factors That Affect Motor Insurance Premium
Factor Impact
Vehicle make and model Higher value vehicles typically have higher premiums
Vehicle age Older vehicles may have lower IDV but different risk profile
City of registration Metro cities may attract higher premiums
Add-ons selected More coverage options increase the premium
No Claim Bonus (NCB) Claim-free years can reduce renewal premium

Want to Compare Motor Insurance Options?

Choosing the right coverage depends on your vehicle type, usage, and risk exposure.

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OUR APPROACH

How We Help with Motor Insurance

1

Compare Across Insurers

Evaluate motor insurance plans from multiple insurers for coverage, add-ons, and pricing.

2

Explain Clearly

Coverage, exclusions, add-ons, and policy terms explained in plain language before any decision.

3

Assist with Purchase

Policy purchase, renewal, documentation, and No Claim Bonus management.

4

Claims Support

Guidance and support when you need to make a claim.

Common Questions

Frequently Asked Questions

Third-party motor insurance is the minimum legal requirement in India and covers injury or property damage caused to a third party. However, it does not cover damage to your own vehicle. Comprehensive motor insurance includes both third-party liability and own vehicle damage coverage, providing broader financial protection.

Standard motor insurance policies deduct depreciation when calculating claim payouts for replaced parts. Zero depreciation cover removes this deduction, meaning you receive a higher claim amount. It is generally recommended for new or premium vehicles to maximise claim value.

No Claim Bonus is a discount on your renewal premium for every claim-free year. The discount grows with consecutive claim-free years, potentially reaching up to 50% off on own damage premium. NCB is linked to the policyholder, not the vehicle, so it can be transferred when you change your vehicle or insurer.

Add-ons generally make more sense for newer or higher-value vehicles. For older vehicles, the cost of add-ons may not be proportional to the benefit received. Common exceptions include roadside assistance and NCB protection, which may remain relevant regardless of vehicle age. An advisor can help assess which add-ons are worthwhile for your specific situation.

Have more questions about motor insurance coverage?

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Not Sure Which Motor Insurance Coverage Is Right?

Choosing the right motor insurance depends on your vehicle value, usage pattern, and protection needs.

  • Which policy type suits your vehicle and usage
  • Which add-ons provide meaningful protection
  • How to maintain and grow your No Claim Bonus
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HawkSarthi on YouTube

Learn Before You Choose a Policy

Watch our short guides explaining motor insurance — from third-party cover to comprehensive claims. Clear, jargon-free guidance in Hindi and English.

What is third Party insurance
What is third Party insurance | Insurance | Sumit Sabharwal
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Buy car insurance separately from showroom
Do you know that you can buy new car insurance separately and not from the car showroom?
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Understanding how Car Insurance works in India
Understanding how does Car Insurance work in India
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28,000+ subscribers on YouTube. Our channel covers motor insurance, term plans, market insights, and goal-based financial planning in Hindi and English. Subscribe for regular updates.

  Important Disclosure

Motor insurance is subject to policy terms, conditions, and underwriting guidelines of insurers. Plan comparisons and coverage descriptions shown on this page are indicative only and do not constitute financial advice. Actual policy benefits, premiums, and coverage may vary based on individual eligibility, vehicle type, insurer norms, and product structure. Third-party motor insurance is mandatory as per the Motor Vehicles Act. Please read all policy documents carefully before purchasing.