Vehicle/Motor Insurance
- Let’s get you started on your vehicle insurance journey!
Vehicle insurance, or Motor insurance, is an insurance policy that offers coverage to the vehicle’s owner and/or driver against financial losses in case of losses due to theft, accidents or natural calamities. In return for the regular payment of premiums, your insurance provider promises to share the cost of repairing damages. Almost every Indian family today owns a vehicle. And, no matter how careful they are, something unfortunate might happen to them and their vehicle. After an accident, robbery or attempted theft, they might have to deal with high repair costs or have to replace their car entirely. With vehicle insurance, you won’t have to worry at all. Your motor insurance provider will help pay for all repairs or the cost of the car.
But, your motor insurance policy is useful in other scenarios as well. A vehicle insurance policy that also offers third-party liability cover ensures you don’t have to pay for damages caused to another person, their vehicle or their property either. In fact, third-party motor insurance is mandatory in India. If you do not have a vehicle insurance policy with third-party liability cover while driving, you could end up having to pay a hefty traffic fine.
At CAPITAL HOUSE, you will find insurance policies that meet your every need. You can simply choose between our two-wheeler and four-wheeler motor insurance and get your policy within a few moments. Our wide range of add-on covers allows you to personalise your plan based on your specific needs. If you want something quickly, simply opt for our comprehensive motor insurance policy for coverage against third-party liability and own damages!
- What’s covered in Vehicle Insurance.
ACCIDENTS
THEFT
FIRE
NATURAL DISASTERS
PERSONAL ACCIDENT
THIRD PARTY LOSSES
- What’s Covered in Car Insurance?
ACCIDENTS
THEFT
FIRE
NATURAL DISASTERS
PERSONAL ACCIDENT
THIRD PARTY LOSSES
- We Have the Right Plans to Protect Your Vehicle from All Kinds of Risk
Car Insurance Policies
Most Indian households today own one four-wheeler. Cars allow us to enjoy long road trips across the length and breadth of India and a car insurance policy will keep you protected. Car insurance, like motor insurance, comes in various forms and plans. You will need to decide which kind of four-wheeler motor insurance policy best suits your requirements based on how often you use your vehicle. It’s important to remember that car insurance policies only provide cover for a private vehicle. So, if you use the four-wheeler for business, you won’t benefit from this policy.
Bike Insurance Policies
The two-wheeler is the preferred mode of transport for most Indian families. Bike insurance policies provide cover to all kinds of two-wheelers, from gearless scooters to large-engine superbikes. A variety of plans are available. Some offer basic third-party cover, while others provide you with comprehensive cover. You should pick the two-wheeler insurance plan that best suits your unique requirements.
Commercial Vehicle Insurance Policies
Any vehicle that is used for business purposes must have commercial vehicle insurance. These plans are carefully formulated to protect your company’s finances in case of an accident or if the vehicle is damaged or stolen. Ideally, all commercial vehicles, such as taxis, goods carrying vehicles, cranes and tractors should have a good commercial vehicle insurance policy in the dashboard.
- What’s covered in Vehicle Insurance.
ACCIDENTS
THEFT
FIRE
NATURAL DISASTERS
PERSONAL ACCIDENT
THIRD PARTY LOSSES
- Types Of Add-on Covers
Zero Depreciation Cover
Return to Invoice Cover
Tyre Protect Cover
Breakdown Assistance
Consumable Cover
Engine and Gear-box Protection Cover
Daily conveyance benefit
Key and Lock Protect
Loss to Personal belongings
Pay as you drive Cover
EV Shield Add-on Cover
PERMANENT PARTIAL DISABILITY
TEMPORARY TOTAL DISABILITY
- We Have the Right Plans to Protect Your Vehicle from All Kinds of Risk
Third party
A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.
Comprehensive
A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.
Standalone Own Damage
An Own Damage Car Insurance is for yourself; it covers loss and damage only to your own car in case of accidents and collisions, natural calamities, fires, and thefts.
Third-Party | Comprehensive | Own Damage | |
---|---|---|---|
Damages/Losses to own car due to an accident |
×
|
✔
|
✔
|
Damages/Losses to own car in case of fire |
×
|
✔
|
✔
|
Damages/Losses to own car in case of a natural calamity |
×
|
✔
|
✔
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
Personal Accident Cover |
✔
|
✔
|
×
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
Theft of your car |
×
|
✔
|
✔
|
Customize your IDV |
×
|
✔
|
✔
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|