Secure Your Vehicle, Drive Worry-Free
Automobile insurance is always mandatory for drivers, bikers, and commercial owners to protect themselves and their vehicles from unexpected events and protect them from major accidents, thefts, natural disasters, and third-party liabilities. Choosing the right policy that ensures your safety and helps to keep you at peace of mind while driving your vehicle.
At Policyian, we have different types of auto insurance for cars, bikes, scooters, and business vehicles. Our plans are made to give you the best security for your money and make sure you stay in line with the law.
What is automobile insurance?
Automobile insurance is a contract between the owner of the vehicle and the insurance company. The insurance company agrees to pay for losses caused by damage, theft, accidents, or third-party liabilities involving the covered vehicle.
- Car Insurance (for private four-wheelers)
- Bike Insurance (for two-wheelers such as motorcycles and scooters)
- Commercial Vehicle Insurance (for taxis, trucks, buses, etc.)
These insurance plans can be further categorized into:
- Third-party Insurance—Covers damage or injury to third-party individuals or property.
- Comprehensive Insurance—Offers both damage by your own and third-party coverage.
Why is automobile insurance important?
- Financial Protection: It pays to fix or replace things that get broken or stolen, or natural disasters.
- Liability Coverage: Protects you from legal and financial liabilities caused by third-party injuries or property damage.
- Personal Accident Cover: Car owner provide the compansation money in the event of permanent injury or death cause due to an accident.
Types of Automobile Insurance
Car Insurance
- Comprehensive Car Insurance usually offers extensive protection, including own damage and third-party coverage.
- Add-on covers options like zero depreciation, engine protection, roadside assistance, etc.
Bike Insurance / Two-Wheeler Insurance
Two-wheeler insurance is vital due to the high demand for bikes and scooters on the road. There are several plans available, including:
- Third-party Two-Wheeler Insurance
- Comprehensive Bike Insurance
- Long-Term Two-Wheeler Insurance (up to 5 years)
Commercial Vehicle Insurance
This insurance is designed for vehicles used for business purposes. It includes:
- Goods carrying vehicles (trucks, tempos)
- Passenger-carrying vehicles (taxis, buses)
- Special vehicles (cranes, tractors, etc.)
What Does a Comprehensive Auto Insurance Policy Cover?
- Covers damages from collisions and crashes.
- Compensation is provided if your vehicle is stolen.
- Damage due to fire, explosion, or self-ignition.
- Floods, earthquakes, landslides, storms, etc.
- Riots, vandalism, strikes, and terrorism.
- Legal liability for injury/death of a third party or property damage.
- Protection for the owner-driver against injuries or fatal accidents.
Exclusions in Auto Insurance Policies
- Driving under the influence of alcohol or drugs
- Driving without a valid license
- Regular wear and tear of the vehicle
- Electrical/mechanical breakdowns (without relevant add-on)
- Damage due to war or nuclear risks
- Unauthorized use of the vehicle
It's always necessary to read all the policy documents carefully for detailed exclusions.
Benefits of Buying Automobile Insurance Online
- Quick comparisons to compare multiple plans and choose the best car or bike insurance online.
- Instant Policy Issuance to claim your policy within minutes with zero paperwork.
- Affordable premiums to enjoy competitive rates with discounts and no-claim bonuses.
- Easy renewals for hassle-free renewal reminders and online payment options.
- 24/7 customer support for the round-the-clock assistance for claims and queries.
Add-On Covers to Enhance Protection
Boost your standard automobile insurance with valuable add-ons:
- Zero depreciation Cover to claim full amount without depreciation deductions
- Engine Protection covers engine damage due to water ingress or leakage, personal damage, and third-party risks.
- Compare plans for comparison tools to assess features, claim settlement ratio, and premium costs.
- Look for add-ons to choose only relevant add-ons to avoid unnecessary premium hikes.
- Read reviews and check feedback or ratings from existing customers.
Documents Required for Buying/Claiming Auto Insurance
To purchase or renew a policy, you may need:
- Vehicle Registration Certificate (RC)
- Previous insurance details (if renewing)
- Driving License
- Identity & Address proof
For claims:
- FIR copy (in case of theft or third-party accident)
- Claim form
- Damaged vehicle photographs
- Repair bills (for reimbursement)
Why choose Policyian for automobile insurance?
- Wide network of garages for cashless claims at thousands of network garages.
- Fast claim settlement for a hassle-free, transparent, and efficient claim process.
- Customizable plans to choose coverage and add-ons as per your needs.
- Trusted by millions, a reliable insurance provider with a strong market presence.
An unexpected event can always put your vehicle and finances at risk, but you can always stay protected with the right automobile insurance that offers you the option to choose the best insurance plan that keeps your safety in mind. Whether you're looking for car, bike, or commercial vehicle insurance, choosing the best and most affordable plan is just a few clicks away.