Motor Insurance

Drive Confident. Ride Smart.
Insure Right.

Compare, buy, and renew motor insurance for your car, bike, or commercial vehicle—fully online and hassle-free.

Explore Motor
Insurance Plans

Car Insurance

Protect your vehicle against accidents, theft, and third-party liabilities with a policy that fits your needs.

Bike Insurance

Get financial cover for damages, repairs, and legal liabilities—essential for every two-wheeler owner.

Commercial Vehicle Insurance

Insure your business fleet with policies tailored for trucks, vans, taxis, and other commercial use vehicles.

Motor Insurance

What is Motor Insurance?

Motor insurance is a mandatory policy that protects your vehicle, your liabilities, and your finances in the event of accidents, theft, natural disasters, or third-party claims. Whether it’s a private car, two-wheeler, or commercial vehicle, motor insurance ensures you stay legally compliant and financially secure. Depending on your policy type, it can cover damages to your vehicle, injuries to others, and medical costs for drivers or passengers.

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Why Choose Motor Insurance Online?

Insure in Minutes, Save Hours of Effort

Insure in Minutes, Save Hours of Effort

Instant Policy Issuance
Buy or renew your motor policy instantly without visiting branches or agents.
Side-by-Side Comparison
Compare plans, add-ons, and premiums from leading insurers in one place.
Lower Premiums
Online policies often cost less and come with exclusive discounts and rewards.

Why Every Vehicle Owner Needs Insurance

On the Road, Risks Are Real—Be Prepared

Legal Requirement

Third-party car insurance is mandatory under Indian Motor Vehicle laws.

Covers Damages & Repairs

Protects your vehicle from repair costs due to accidents, fire, and natural calamities.

Third-Party Liability Coverage

Covers injury or property damage caused to others by your vehicle.

Personal Accident Cover

Plans include protection against life-threatening conditions like cancer and heart disease.

Peace of Mind on Every Journey

Focus on driving—your financial backup is already in place.

Cashless Garage Access

Get hassle-free repairs at a wide network of authorized garages.

Types of Motor Insurance Policies

Choose the Right Coverage for Your Vehicle Type

Choose the Right Coverage for Your Vehicle Type

Third-Party Liability Policy
Mandatory coverage for damages or injuries caused to a third party.
Own Damage Policy
Covers damage to your own vehicle due to accidents, theft, or natural events.
Comprehensive Policy
Combines both third-party and own damage cover, plus add-on flexibility.
Long-Term Two-Wheeler Policy
Extra coverage beyond your base policy—cost-effective and comprehensive.
Commercial Vehicle Policy
Designed for goods carriers, taxis, auto-rickshaws, and other business- use vehicles.
Bundled Policies for New Vehicles
Combine multiple benefits under one policy for new car or bike purchases.

Drive Smart. Stay Protected.

Get Covered Today and Stay Protected Always

Get Free Quote

Why Choose Epsilon Money

Insurance That Moves With You

Expert help. Honest advice. Always online.

Top Insurers in One Place

We bring together the best providers with competitive pricing and plans.

Transparent Comparisons

Know exactly what you're getting—no jargon, no guesswork.

Guided Plan Selection

Speak to our experts to choose the right add-ons and coverage.

End-to-End Claims Support

From filing to follow-up, we make the claim journey smooth and stress-free.

Add-Ons That Matter

Add zero depreciation, engine protection, or roadside assistance as needed.

Thousands Trust Epsilon

We’re the preferred motor insurance partner for drivers across India.

Key Things to Check Before Buying

Make a Smart Move with the Right Plan

Check these before you hit ‘Buy.’

Coverage Scope
Does it cover your specific vehicle usage, and driving habits?
Add-On Options
Look for covers like NCB protection, key replacement, or personal accident enhancements.
IDV (Insured Declared Value)
Understand how the value is calculated— it affects your premium and claims.
Claim Settlement Ratio
Choose insurers with a strong track record of timely and fair claim payouts.
Policy Tenure & Renewal Ease
Consider long-term options for convenience and NCB continuity.

How to Buy Motor Insurance Online

Insure Your Ride in Just 3 Steps

Quick, simple, and secure.

Quick, simple, and secure.

Provide make, model, fuel type, and registration information.

Compare & Choose a Plan

View policies from multiple insurers and select what fits you best.

Pay & Download Policy

Complete secure payment and receive your policy via email instantly.

How to File a Motor Insurance Claim

Claim Assistance When You Need It Most

We’ll help you navigate it, step-by-step.

1

Report the Incident
Inform the insurer or us as soon as the accident or damage occurs.

2

Submit Required Documents
Provide claim form, vehicle papers, FIR (if needed), and photos.

3

Get Survey & Claim Settled
The insurer sends a surveyor to assess the damage and settles payment post-approval.

Steps to File a Car Insurance Claim

File Claims Easily with Our Step-by-Step Assistance

Report the Claim

Inform us or the insurer immediately after the accident or damage.

Submit Documents

Provide claim form, photos, FIR (if needed), and ID/vehicle documents.

Settlement Process

The insurer assesses the claim, and approved payouts are processed promptly.

Frequently Asked Questions About Motor Insurance

Your Doubts, Fully Explained

Your Doubts, Fully Explained

Yes, third-party liability insurance is compulsory for all vehicles under the Motor Vehicles Act. Driving without it is a legal offense and can lead to fines, vehicle seizure, or imprisonment. A comprehensive policy, while optional, offers far more protection.

Third-party insurance only covers injury or damage to others caused by your vehicle. Comprehensive insurance includes this plus damage to your own vehicle from accidents, theft, fire, or floods. It’s a more complete solution for responsible drivers.

Yes, NCB is linked to you, not the vehicle. If you sell your vehicle or change insurers, your accumulated NCB can be transferred and applied to your next policy—helping you save on premiums.

Zero depreciation is an add-on that ensures full claim payout without deducting for part depreciation. It’s highly recommended for new or premium vehicles, as it maximizes reimbursement for repairs and replacements.

Yes, if your policy hasn't lapsed or is renewed within the grace period, no inspection is needed. For lapsed policies, some insurers may require a vehicle inspection before reissuing coverage.

Generally, you’ll need a filled claim form, RC copy, policy copy, driving license, and FIR (if applicable). Additionally, photos of the damage and repair estimates help speed up the process.

Depending on the complexity, claims are typically settled within 7 to 15 working days. Cashless repairs at network garages can be faster. Ensure documents are submitted correctly for smooth processing.

Yes, commercial vehicles have specific coverage needs, premium rates, and documentation.

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