Vehicle Insurance
Motor insurance is mandatory in India - but the right cover does much more than keep you legal. We help you choose, renew and claim with ease.
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Under the Motor Vehicles Act, every vehicle on Indian roads must have at least third-party insurance. A comprehensive policy also protects your own vehicle against accidents, theft, fire and natural calamities. Choosing the right Insured Declared Value (IDV), add-ons and No Claim Bonus protection makes a real difference at claim time.
Cars and two-wheelers covered
Fresh policies, renewals and transfers handled for you.
- Third-party and comprehensive options
- Zero-depreciation, engine and RSA add-ons
- Timely renewal reminders and NCB protection
Why it's worth it
From your first conversation to ongoing service, everything is built around your needs.
Legal compliance
Drive without the risk of fines for lapsed insurance.
Own-damage cover
Repairs after accidents, fire or floods paid by the insurer.
Third-party liability
Protection against injury or damage claims from others.
No Claim Bonus
Discounts on renewal for every claim-free year.
Simple, transparent, personal
We listen first and understand completely before suggesting anything.
- 1Understand your goals, family situation, time horizon and comfort with risk
- 2Shortlist relevant options as incidental advice and explain them in plain language - costs, risks and all
- 3Take care of KYC, forms and documentation so getting started is hassle-free
- 4Review regularly and stay a phone call away whenever life changes
Frequently asked questions
Quick answers about vehicle insurance. Still have a question? We're happy to help.
Is vehicle insurance mandatory?
Yes. Third-party insurance is compulsory for every vehicle driven on public roads in India. Comprehensive cover is optional but recommended.
What is IDV?
Insured Declared Value is the maximum amount the insurer pays if your vehicle is stolen or totally damaged. It's roughly the current market value of the vehicle.
What is a No Claim Bonus?
A discount on your own-damage premium for each claim-free year, which can build up over several years. It belongs to you and can be transferred to a new vehicle.
What happens if my policy lapses?
Driving without valid insurance is an offence. A lapsed comprehensive policy may also require a vehicle inspection and you could lose your NCB, so renew on time.
Which add-ons are worth it?
Zero depreciation is popular for newer vehicles, and roadside assistance and engine protection can be useful depending on your usage and location.
You may also be interested in
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Two-wheeler insurance is mandatory and inexpensive - and the right policy protects both you and your bike on every ride.
Your home, business premises, vehicles and travel plans all carry risks. General insurance covers the financial loss - we help you choose the right policies.
All our services
Insurance is the subject matter of solicitation. Please read the policy wording, terms, conditions, sales brochure and exclusions carefully before concluding a sale. Fortunate Investments acts only as a distributor and does not underwrite any risk.
Need help choosing the right option?
Talk to us - we'll understand your needs and explain your options in plain language.