Motor Insurance

Question 1

Why Buy Motor Insurance?

It is Compulsory

Third party motor insurance is compulsory in India. If you avail comprehensive motor insurance, injuries you suffer and damage to your vehicle is also covered.

Low on Price

motor Insurance plans are very cheap in India. If you avail motor insurance online, you can save on premiums.

Death Benefits

If the policyholder dies in an accident, his family gets a death benefit. All legal fees due to the accident are also paid by the motor Insurer.

You get no Claim Bonus

You get a discount on the car insurance premium, when you renew the car insurance plan, if you have not made a claim on your car insurance policy, in the previous year.

Question 2

Concepts & FAQ's Motor Insurance

What is Motor/Vehicle Insurance?

Motor or Vehicle insurance is also mandatory by law along with any vehicle a person owns. motor Insurance guards a person against the financial loss in case there is an accident or theft of the vehicle.

Why is Motor Insurance mandatory by law?

Motor insurance is mandatory by law in the form of third-party insurance. That is at least one has to have a Third party motor insurance for his/her vehicle. This is done to at least take care of the injury / damage you cause to the third party in case of an accident.

Types of Motor/Vehicle Insurance

Third party Motor/Vehicle insurance: This type of insurance gives protection against the claims arising due to damages/injury/death caused by accident, to a third party (person). Third party motor insurance does not cover expense due to the damage/theft to the vehicle or the person driving/riding it. The premium amount on this type of motor insurance will be lower than that compared to a Comprehensive insurance.

Comprehensive Motor/Vehicle insurance: Comprehensive policy includes both Third party liabilities and also loss/damage caused to the vehicle by way of accident, theft and covers the medical expense of the person driving/riding the vehicle.

Benefits Of Motor Insurance

Motor Insurance provides death benefits to family members if an accident results in death.
It covers legal fees arising as a result of an accident.
It covers expenses of vehicle repairs arising due to an accident, natural calamity and so on.
Covers damage arising out of theft, fire, and so on.
If you haven’t made a claim on the policy in the previous year, you get a discount on the insurance premium on renewal.

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Frequently Asked Questions

Ways To Renew Motor Insurance?

To enjoy continued benefits of a motor insurance plan, it is necessary to renew an insurance policy before the due date. If not, your insurance policy will lapse and will no longer cover your motor vehicle, until you get a new insurance policy or make the renewal.

You can renew your motor insurance policy in two ways:

Online renewal:Online renewal of a motor insurance policy can be done on an insurer’s website. You just need to follow the steps to renew a policy. Keep your old insurance policy documents handy, in case you want to refer the old policy number.

Steps To Renew Motor Insurance Online:

Visit the insurer’s website.
Select renewal of a policy.
Provide your login credentials.
Fill the application form that you receive. Furnish accurate details. Keep the old policy handy as the application form will require old car insurance details.
Once you have finished filling the form, make the submission online.
Pay the premium for policy renewal through credit or debit cards.
Take a printout of the acknowledgement, for the policy renewal request.

Online renewal of motor insurance has its own perks. You get notified on your due dates, well in time. So, you tend to avoid delays in renewing your motor insurance plan.

Offline renewal: Offline renewal is quite simple. Time is the only constraint. If you can find the time, the rest is simple.
For offline renewal, you have to visit your insurer’s branch. It is good to carry your old motor insurance policy papers along.

What are the events covered in this comprehensive policy?

The motor Insurance policy is very comprehensive vehicle insurance, as mandated by the government, which covers you for:

Any Loss or damage to your vehicle
Third Party Liability
Any permanent injury / death to a person caused by your car.
Any damage caused to the property (excluding vehicle) of some other individual by your vehicle.
A Personal Accident Cover for the owner of the vehicle while he is driving.

In case of loss or damage to the vehicle or the accessories insured, the Insurance Company covers the insured if the accident occurs due to the following hazards:

Fire, explosion, self ignition or lightning
Burglary, housebreaking or theft
Riot and strike
Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
Accident by external means
Malicious act
Terrorist activity
Whilst in transit by road rail inland-waterway lift elevator or air
Landslide and rockslide

What is Personal Accident cover? What are the rules governing it?

The insured is adequately covered in case of an occurrence due to the specified hazards leading to bodily injury/ permanent disability or death. The motor insurance policy essentially has a PA cover for the owner-driver, as per tariff, for which no extra premium is to be paid. For a person other than the owner and driver, the PA cover has to be taken separately paying an additional premium. The amount paid as compensation depends upon the extent of cover opted for. And for the driver, the extent of the cover is in accordance with the Work men's Compensation Act.

What if someone else was driving at the time of the accident? Is that person covered by my policy? Will I still be covered?

If the person driving the vehicle is a valid license holder, the vehicle is insured for all the accidents that occurred due to the hazards specified. To insure the person driving the vehicle, who is not the owner; an additional personal accident cover has to be taken for unnamed passengers. For the owner-driver, the policy compulsorily has a personal accident cover, as per tariff. To know more about the owner-driver clause in your motor insurance policy, call us on 022 61816111.

Can the accessories of the vehicle be insured? If yes, to what extent?

You can insure your vehicle accessories under electrical and non- electrical items (accessories) whose amount is not included in the showroom price of the vehicle but are fitted separately to the vehicle. For that you need to declare the value of such items separately, which will be added to the sum insured over and above the IDV. (Insured's Declared Value).

What documents are needed to make a claim?

You will need to submit a claim form along with the following:

A copy of the vehicle's registration book.
A copy of the driving license of the person driving the vehicle at the time of the accident.
An estimate of the repairs.
A copy of the police FIR in case of theft or any third party personal injury/death or property damage. If the vehicle is declared a total loss, either due to an accident or theft, you will also have to provide the following documents - RTO transfer papers, original RC book, original Insurance policy, the vehicle's original keys, a no objection certificate from you for transfer of the vehicle, a letter of indemnity on judicial stamp paper and a letter of subrogation on judicial stamp paper.

How do I file a claim?

As soon as your vehicle meets with an accident or injures a third party or damages the property of a third party, inform your insurance company. If your vehicle is involved in an accident which injures a third party or damages a third party's property, you must report the matter to the police. If your vehicle is stolen and/or has been damaged by miscreants, terrorists or arsonists report the matter to the police and obtain a FIR (First Information Report). Take the vehicle to a reputed workshop for repair and get a repair estimate from the workshop. Submit the estimate to the insurance company. A surveyor from the insurance company will come for an inspection of the vehicle, and to assess the cost of restoring the vehicle to its pre-accident condition. Based upon the surveyor's report, the insurance company will make a final settlement of the estimate and the deal is closed. To know the parameter's to be considered, before choosing an motor insurance plan, call us on 022 61816111.

What Motor Insurance cover should I buy? Should I buy Comprehensive Insurance or Liability Policy only?

Third Party Liability insurance is mandatory for all vehicles plying on public roads in India. This covers Liability for injuries and damages to others that you are responsible for. In addition, it is prudent to cover loss or damages to the vehicle itself by way of Comprehensive/Package policy, which covers both "Liability" as well as "Own damage" to the insured vehicle. Liability Only cover is also known as Act Only cover.

How is the premium determined?

Many factors determine the premium you will pay. For Own Damage cover different insurance companies charge different premiums for similar coverage. Shop around; getting three or more comparison quotes is worthwhile. Check various insurers's websites; it will help you compare premiums. Do not forget to compare deductibles, coverage and IDV's as premium may be lesser of one insurer but with higher deductibles, lower coverage and lower IDV, which will adversely impact you in the event of claim settlement. Be prepared to give your agent information about the following items that are commonly used to determine your premium: Vehicle registration details with Engine No., Chasis no., Class of vehicle, cubic capacity, seating capacity, etc. (In fact, all relevant details are in the RC book/card and a copy of same may be handed over) Tax paid details; Certificate of fitness, Driver details - age, gender, qualifications, licence validity Previous insurance history, if any. The Own Damage coverage is left to be rated by individual insurance companies after duly filing rates with the Insurance Regulatory and Development Authority. The same is determined on following factors amongst others -- Age of vehicle; Discounts / loadings- Appropriate Bonus / loading/ discounts along with past claims experience are taken into account while calculating premium. IDV (Insured Declared Value). Third Party Liability Premium rates are laid down by IRDA. In case of break in insurance, vehicle inspection would be required and extra charges will have to be incurred for the same.

What coverage limits meet my needs?

The sum insured for the vehicle is called "Insured's Declared Value" and should reflect the current market value of the vehicle. Under Liability insurance, Third Party Liability insurance is covered. There is unlimited coverage to Third parties injury and Third party property damage is covered up to a sum of Rs 7,50,000. The Insured has the option to restrict coverage for Third Party Property damage to Rs 6,000 and this will result in a lower "Liability Only" premium.

What is the period of the policy?

A motor policy is usually valid for a period of one year and has to be renewed before the due date. Pay the premium on time. No Insurer offers a grace period for paying the premium. In case of lapse of policy by even one day, the vehicle has to be inspected. Moreover, if a comprehensive policy is allowed to lapse for more than 90 days, the accrued benefit of NCB (No Claim Bonus) is also lost.

What is "No Claim Bonus"?

No Claim Bonus (NCB) is the benefit accrued to an insured for not making any claims during the previous policy period. As per current norms in India, it ranges from 20% on the Own Damage premium (and not on Liability premium) and progressively increases to a maximum of 50%. If, however, a claim is lodged, the No Claim Bonus is lost in the subsequent policy period. NCB is given to the insured and not to the insured vehicle. Hence, on transfer of the vehicle, the insurance policy can be transferred to new owner but not the NCB. The new owner has to pay the difference on account of NCB for the balance policy period.The original owner can, however, use the NCB on a new vehicle purchased by him.

Will my No Claim Bonus get migrated if I want to change my insurance company?

Yes, you can avail of the NCB facility if you change the insurer on renewal. You would have to produce proof of the NCB earned by way of renewal notice from the current insurer. Alternately, you can produce your original, expiring policy along with a certification that you have lodged no claims on the expiring policy. For this the proof can be in the form of a renewal notice or a letter confirming the NCB entitlement from the previous insurer.

Are there discounts that will lower my premium?

In addition to NCB, there are additional discounts available under Own Damage Premium for membership of Automobile Association of India, Vintage Cars (Pvt. Cars certified by the Vintage and Classic Car Club of India); Installation of anti-theft devices approved by Automobile Research Association of India (ARAI), Pune and whose installation is approved by AAI; Concessions for specially designed/modified vehicles for the Blind, Handicapped and mentally challenged persons, which are suitably endorsed in the RC by the RTA concerned; - opting for voluntary additional deductible/excess. Under "Liability Only Section", discounts are available for reduction in Third Party Property Damage (TPPD) from Rs. 750,000 to Rs. 6,000..

Is Service Tax applicable and how much is it?

Yes, Service Tax is applicable and would be as per prevailing rule of law.

What is deductible?

Deductible or "excess" is the amount over and above, which the claim will be payable. There is a normal standard/compulsory excess for most vehicles ranging from Rs 50 for two-wheelers to Rs 500 for Private Cars and Commercial Vehicles which increases depending upon the cubic capacity/carrying capacity of the vehicle. However, in some cases the insurer may impose additional excess depending upon the age of the vehicle or if there is high frequency of claims.

What is the procedure for recording any changes in the policy?

If there are any changes in the policy like change of address or modifications to the vehicle or its use, it will be done by an Endorsement by the insurance company. Submit a letter to the insurer with proof for the changes and obtain the endorsement. Some endorsements may require you to pay additional premium. Check the correctness of the endorsement.

If I am using the car in a particular city, what premium rate is applied?

For the purpose of applying premium rate, the place where the vehicle is registered is reckoned (not the place where the vehicle is used). If your vehicle is registered in Chennai, the rate applicable for Zone A is charged. Even when you shift to a different city / town, the same rate will continue to be applied. Similarly if a vehicle is registered in a town, it attracts Zone B premium rate. Subsequently if the owner shifts to a metro, he will continue to be charged the Zone B rate.

What is a Certificate of Insurance under Motor Vehicle Act?

As per Rule 141 of Central Motor Vehicle Rules 1989, a certificate of Insurance is to be issued only in Form 51. It is only in Motor Vehicle Insurance, apart from the policy, that a separate certificate of insurance is required to be issued by insurers. This document should always be carried in the vehicle. The policy should be preserved separately at home / office.

If I fit CNG or LPG kit in my vehicle, is it necessary to inform the Insurance Company??

If a CNG / LPG kit is fitted in the vehicle, the (Road Transport Authority (RTA) office where the vehicle was registered should be informed so that they make a note of the change in the registration certificate (RC) of the vehicle. The insurance company should also be informed so that the kit is covered on payment of extra premium on the value of the kit under "OD" section and also under "LO" section.

What are the documents to be kept in the vehicle while plying in public places?

Certificate of Insurance
Xerox copy of Registration Certificate
Pollution Under Control Certificate
Photocopy of Driving Licence of person who is driving the vehicle

Can I transfer my insurance to the purchaser of my vehicle?

Yes, the insurance can be transferred to the buyer of the vehicle, provided the seller informs in writing of such transfer to the insurance company. A fresh proposal form needs to be filled in. There is a nominal fee charged for transfer of insurance along with pro-rata recovery of NCB from the date of transfer till policy expiry. It may be noted that transfer of ownership in comprehensive/package policies has to be recorded within 14 days from date of transfer failing which no claim will be payable for own damage to the vehicle.

Can I continue the insurance in the name of the previous owner even after the vehicle is transferred in RTO records in my name?

No. Registration and insurance of the vehicle should always be in the same name with the same address. Otherwise the claim is not payable. A fresh proposal form needs to be filled in. There is a nominal fee charged for transfer of insurance.

I have lost the insurance policy. Can I get a duplicate one?

Yes, please approach the same office, which had issued the policy, with a written request. A nominal fee is charged for issuing a duplicate policy copy.

What are the documents that are required to be submitted for a Motor Insurance claim?

Generally, the following documents are required to be submitted. However, read through your policy to see the complete list - duly filled in claim form, RC copy of the vehicle, Original estimate of loss, Original repair invoice and payment receipt. In case cashless facility is availed, only repair invoice would need to be submitted and FIR, if required. For theft claims, the keys are to be submitted. Theft claims would also require non-traceable certificate to be submitted.

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IRDAI Permits Single Personal Accident Cover for Multiple Vehicles

Friday, December 14, 2018, 11:59 AM

Customers will not have to purchase separate Compulsory Personal Accident (CPA) cover for each new vehicle they buy from January 1, IRDAI has said. Instead of a 'bundled' personal accident cover, vehicle owners can buy CPA cover separately. In September, the insurance regulator raised the minimum insurance cover for owner-driver to Rs.15 lakh for an annual premium of Rs.750.

IRDAI hikes insurance cover for owner-driver to Rs.15 lakh

Saturday, September 22, 2018, 7:22 AM

The compulsory personal accident cover for owner-driven vehicles under motor insurance policies has been increased from Rs 2 lakh to Rs 15 lakh. The insurance regulator, taking note of the Madras high court's direction to it, has issued a circular on September 20 asking insurers to start issuing such covers effective from the date of receipt of this circular.

How to Choose Best Car Insurance Policy?

Monday, September 10, 2018, 10:38 AM

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Sunday, August 26, 2018, 12:23 AM

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Your driving skills determine the auto insurance premiums you pay

Wednesday, August 30, 2017, 10:39 AM

The telematics device is fitted by insurers in your car. The telematics device captures all your driving data and passes this data to the insurers data warehouse. This data is cleaned and processed by the insurer, who can easily determine your risk profile and decide your motor insurance premium. This motor insurance premium will increase and decrease depending on your driving skills.

Don't forget to claim No claim bonus while renewing motor insurance

Saturday, July 15, 2017, 4:35 PM

You are rewarded with a No claims bonus if you haven’t made any claims in the preceding year. If you are eligible for No claim bonus, don’t forget to claim it. This amount will be deducted from your overall quote and you’ll have to pay lesser premium. Over the years, No Claim Bonus can decrease the premium amount by up to around 50 percent.

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You can avail a loan from a bank to purchase a brand new car. You have to pledge the car as collateral to avail this loan. You can also avail a loan for a pre-owned car.

What is your car loan EMI?

You have to repay your car loan in installments called EMI (Equated Monthly Installments).The car loan EMI's are divided into 2 Components :

Principal component : Amount you borrow to buy the car.

Interest component : Bank charges you an amount for the money you have borrowed to buy the car called interest.

The amount you borrow to buy your car and the total interest charged by the bank is divided by the tenure of your car loan. The tenure of the car loan can be 1-7 years.

Know your online car loan EMI Calculator

You can calculate car loan EMI using the Car Loan EMI Calculator for different combinations of interest, Principal and tenure. A car loan EMI calculator can do these calculations in seconds with a high degree of accuracy.

Follow 3 simple steps to calculate your car loan EMI's :

Step 1: You adjust the scale to select the car loan amount availed in the car loan EMI calculator slider.

Step 2 : You then adjust the scale to select the interest rate on your car loan EMI calculator slider.

Step 3 : Finally you select the tenure of the car loan in months on the slider of your car loan EMI calculator.

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Motor Insurance

Get the best advice onMotor Insurance

Introduction to Motor Insurance

What is Motor Insurance?

Ask Wealth Doctor

It is Compulsory

Low on Price

Death Benefits

You get no Claim Bonus

What is third party liability insurance?

What about the damages suffered by your car in the accident?

What is a Comprehensive Motor Insurance Policy?

What is not covered under a Comprehensive Motor Insurance Policy?

How can you reduce the premiums you pay for the Comprehensive Motor Insurance Policy?

Exclusions In A Third Party Motor Insurance Plan:

Exclusions Of A Comprehensive Motor Insurance Plan:

Deductibles In Comprehensive Motor Insurance

Concepts & FAQ's Motor Insurance

What is Motor/Vehicle Insurance?

Why is Motor Insurance mandatory by law?

Types of Motor/Vehicle Insurance

Benefits Of Motor Insurance

Ask Wealth Doctor

Ways To Renew Motor Insurance?

What are the events covered in this comprehensive policy?

What is Personal Accident cover? What are the rules governing it?

What if someone else was driving at the time of the accident? Is that person covered by my policy? Will I still be covered?

Can the accessories of the vehicle be insured? If yes, to what extent?

What documents are needed to make a claim?

How do I file a claim?

What Motor Insurance cover should I buy? Should I buy Comprehensive Insurance or Liability Policy only?

How is the premium determined?

What coverage limits meet my needs?

What is the period of the policy?

What is "No Claim Bonus"?

Will my No Claim Bonus get migrated if I want to change my insurance company?

Are there discounts that will lower my premium?

Is Service Tax applicable and how much is it?

What is deductible?

What is the procedure for recording any changes in the policy?

If I am using the car in a particular city, what premium rate is applied?

What is a Certificate of Insurance under Motor Vehicle Act?

If I fit CNG or LPG kit in my vehicle, is it necessary to inform the Insurance Company??

What are the documents to be kept in the vehicle while plying in public places?

Can I transfer my insurance to the purchaser of my vehicle?

Can I continue the insurance in the name of the previous owner even after the vehicle is transferred in RTO records in my name?

I have lost the insurance policy. Can I get a duplicate one?

What are the documents that are required to be submitted for a Motor Insurance claim?

Motor Insurance Articles

IRDAI Makes Long-Term 3rd Party Insurance Must

IndianMoney Complaints: If you are cheated by motor Insurance

Before Purchasing Car Insurance Read This Review By Indianmoney.com

Motor Insurance News

IRDAI Permits Single Personal Accident Cover for Multiple Vehicles

IRDAI hikes insurance cover for owner-driver to Rs.15 lakh

How to Choose Best Car Insurance Policy?

Motor Insurance Videos

Motor Insurance Education

How to claim insurance on a stolen car?

Your driving skills determine the auto insurance premiums you pay

Don't forget to claim No claim bonus while renewing motor insurance

Calculator

Car Loan EMI Calculator

Monthly Payment (EMI)

Total Interest

Loan Amount

Total Payment

Year Wise Loan Details

What is a car loan?

What is your car loan EMI?

Know your online car loan EMI Calculator

Related Articles

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