Can I switch my motor insurance policy between insurers?

Yes. You can port your policy at renewal to another provider and retain your No Claim Bonus with InsurDeck’s guidance.

Does motor insurance cover theft and accident claims?

Comprehensive plans cover theft, natural disasters, and accidents. Third-party plans cover damages you cause to other vehicles.

Are electric vehicles eligible for motor insurance?

Yes, EVs are eligible for custom motor insurance plans. Ask us about discounts and latest coverage options.

What happens if I drive without valid motor insurance?

Driving uninsured can result in fines and penalties. Always keep your motor insurance current for legal and financial safety.

Can I pay my premium in monthly installments?

Many insurers offer EMI/easy pay options. InsurDeck helps you pick flexible payment plans.

Wherever You Drive,
InsurDeck Drives With You

InsurDeck ensures hassle-free, IRDAI-compliant motor insurance—from your daily commute to your entire fleet. With expert guidance, you get the right cover at the right price, without the confusion.

Secure My Ride with InsurDeck

Drive Worry-Free. We've Got Your Wheels Covered.

From your everyday rides to your business fleet, InsurDeck offers expert-backed, hassle-free motor insurance solutions designed just for you

Cars

Shield your car from accidents, theft, and unforeseen mishaps. Stay protected with policies that put you back on the road without stress

Bikes

Whether it’s your daily commute or weekend rides, we ensure your two-wheeler stays protected against damage, theft, and third-party risks

Commericial Vehicles

From trucks to taxis, safeguard your business fleet with comprehensive insurance tailored to keep your operations moving smoothly

Cost-Effective Policies

Get competitive rates without compromising on the quality and breadth of your insurance protection.

Your Co-Passenger Every Insurance Journey

Comprehensive Coverage

Our policies are designed to offer extensive protection against a wide range of unforeseen circumstances.

We Speak “Human,” Not “Policy”

Insurance terms can sound like another language. At InsurDeck, we translate everything into plain words you’d explain to a friend—so you never nod along in confusion.

Your Ride, Your Rules

Whether it’s a scooter, SUV, or company fleet, we shape coverage around your lifestyle. No one-size-fits-all—just protection that moves the way you do.

Peace of Mind, Priceless

We don’t just compare numbers; we plan for “what if” moments—like accidents, breakdowns, or sudden repairs—so you’re always a step ahead.

Like a GPS for Insurance

Lost in fine print? Think of us as your navigator. We reroute you away from confusing options and guide you to the right plan with zero detours.

Real People, Real Support

No bots, no endless waiting. When you call InsurDeck, you get an actual human who listens, understands, and sorts things out quickly.

Illustration of people exchanging gifts beside a red car

How InsurDeck Has Your Back on the Road

Driving in India comes with surprises—from potholes to paperwork. With InsurDeck, every twist and turn is already planned for

Accident Support

01.

From a small bump to a major crash, InsurDeck ensures your repair bills don’t throw your plans off track.

Third-Party Shield

02.

Mistakes happen. If someone else is hurt or their property is damaged, InsurDeck makes sure you’re not buried in legal or financial troubles.

Theft Protection

02.

Your car is more than metal—it’s freedom. We help you safeguard it from theft and break-ins, without the fine-print headaches

Full-Value Repairs

02.

"With zero depreciation add-ons, you get full claim value on replaced parts—because ‘wear and tear’ shouldn’t eat your savings.

Damage Care

02.

Be it floods, fire, or a flying cricket ball—we guide you to covers that pay for repairs, so unexpected costs don’t weigh you down

Monsoon-Ready Cover

02.

Waterlogged roads? We’ll help protect your engine from the season’s worst surprises

Let’s Find the Right Cover for Your Drive

InsurDeck is here to guide you with clarity and care. Choose how you’d like to connect—we’ll take it from there

Start My Free Consultation

Chat with Us on WhatsApp

Book a Call with an Expert

Protect Your Drive with the Right Motor Insurance

Get guidance on policies that keep your car or bike protected—so you can stay confident on every road.

Driving in India? Know These Motor Insurance Essentials

“Do I really need third-party insurance if I’m a careful driver?” is one of the most common questions we hear at InsurDeck.

The truth: in India, third-party insurance is not optional—it’s a legal must under the Motor Vehicles Act. Even if you never crash, accidents can happen. And without it, you face fines, liability claims, and even licence suspension.

Here’s what you should know before deciding:

Third-party cover pays for damage you cause to someone else’s car, property, or injury/death.

It does not cover your own vehicle’s damage.

Minimum fine for driving without it: ₹2,000 + licence suspension.

Court cases in India have seen third-party claims run into lakhs or even crores—without cover, you’d pay from your own pocket.

IRDAI regulates premiums for third-party cover, so the cost is fixed and non-negotiable.

💡 Think of third-party cover like the helmet rule. Even if you think you’ll never fall, it protects you—and more importantly, others—from the unexpected. It’s the basic entry ticket to driving legally in India.

👉 At InsurDeck, we don’t just stop at the legal minimum. We help you decide whether to stay at just third-party or upgrade to comprehensive protection—so you’re safe both legally and financially.

📦 Did You Know?

Third-party premiums in India are revised annually by IRDAI, usually from April 1st. This means your cost could change every year, regardless of insurer.

Decode Your Policy Free with InsurDeck

“Isn’t third-party insurance enough to drive legally?” is what many clients ask us at InsurDeck.

The truth: third-party cover only protects others. If your own car is damaged, stolen, or swept away in a flood, you’ll be on your own unless you have comprehensive insurance.

Here’s what you should know before deciding:

Third-party cover = legal compliance.

Comprehensive cover = financial safety net for your own vehicle too.

It usually includes theft, fire, natural disasters (floods, storms, earthquakes—very relevant in India’s monsoons).

You can add extras like zero depreciation, engine protection, roadside assistance.

Premiums are higher than just third-party, but so is the peace of mind.

💡 Think of third-party as a seatbelt (mandatory) and comprehensive as an airbag. You hope never to need it, but when things go wrong, it saves you from a financial crash.

👉 At InsurDeck, we compare policies across insurers and show you when paying for comprehensive makes sense—so you don’t under-protect or overspend.

📦 Did You Know?
If your car is financed by a bank loan, most lenders in India insist on a comprehensive policy until the loan is repaid.

Find the Right Balance Policy with InsurDeck

“Why is my claim amount lower than my car’s price?” is a common doubt we hear at InsurDeck.

The truth: your IDV (Insured Declared Value) is not what you paid for the car, but its current market value. This figure decides both your premium and your maximum claim payout.

Here’s what you should know before deciding:

IDV = today’s market value of your car (not the showroom price you bought it for).

If you set IDV too low → you save on premiums, but your payout will also be tiny if the car is stolen or totalled.

If you set IDV too high → you’ll overpay premiums without getting any extra claim benefit.

Cars lose 15–20% value each year due to depreciation.

IRDAI guidelines: IDV must be linked to current market price, not sentimental or resale expectations.

💡 Think of IDV like your car’s report card—it reflects its current standing, not its past glory. A higher or lower “score” than reality can hurt you in different ways.

👉 At InsurDeck, we calculate the sweet spot IDV so you’re neither under-insured nor over-paying.

📦 Did You Know?
In case of total loss or theft, the IDV is the maximum payout—no matter what you originally paid for the car.

WhatsApp Us: “Is my IDV right?”

“Do I really need all these add-ons the insurer suggests?” is a confusion most car owners share with us at InsurDeck.

The truth: add-ons are optional covers that enhance your base policy. Some are extremely useful, others just inflate your premium. The key is knowing which ones fit your car, your city, and your usage.

Here’s what you should know before deciding:

Zero Depreciation Cover → insurer pays full cost of replaced parts without cutting depreciation. Must-have for new cars.

Engine Protection → essential in flood-prone cities like Mumbai, Chennai, or Guwahati.

Roadside Assistance → useful for those who take long drives or highway trips.

Return-to-Invoice Cover → ensures you get full invoice value (not depreciated value) if your car is stolen or totalled.

Adding everything blindly can double your premium. Choose wisely.

💡 Think of add-ons like toppings on a dosa. Some make it delicious (like chutney), some are unnecessary (extra cheese on plain dosa 😅). You don’t need them all—just the ones that actually suit your appetite.

👉 At InsurDeck, we analyse your car type, city risks, and budget to suggest only the add-ons that are worth it—so you don’t waste money on extras you’ll never use.

📦 Did You Know?
Claims for engine damage due to flooding are often rejected under normal policies. With Engine Protect add-on, they’re covered.

Get Add-On Advice, Free

“What’s the difference between cashless and reimbursement claims?” is one of the most practical questions car owners ask at InsurDeck.

The truth: both are valid ways to settle a claim, but they work very differently. Knowing the difference can save you a lot of stress during an accident.

Here’s what you should know before deciding:

Cashless Claims → You don’t pay upfront. Insurer directly settles with the network garage. Smooth, fast, and less paperwork.

Reimbursement Claims → You pay the repair bill first, then file for repayment. Common in areas with fewer network garages.

Coverage depends on garage tie-ups. Even a big insurer may not have your local trusted garage on their list.

Always check the network garage list before buying or renewing a policy.

💡 Think of cashless like a direct swipe card—the bill goes straight to the insurer. Reimbursement is like paying cash first, then waiting to get your money back. Both work, but one is definitely lighter on your pocket at crunch time.

👉 At InsurDeck, we help you check which garages near you are cashless-approved, so you’re not surprised when you actually need repairs.

📦 Did You Know?
In India, insurers have thousands of network garages, but tie-ups vary city to city. A policy that works in Delhi may not have the same network strength in Indore.

WhatsApp Us: “Is my garage covered?”

“How do I actually file a motor insurance claim?” is the moment of truth where most people feel lost. At InsurDeck, we hear this almost daily.

The truth: the claim process is simple if you know the steps. Most delays and rejections happen because of missed documents or late reporting—not because insurers want to trouble you.

Here’s what you should know before deciding:

Inform your insurer immediately after the accident.

File an FIR (mandatory in major accidents, theft, or third-party injuries).

Surveyor inspection – insurer sends an official to check the damage.

Garage repair – at a cashless garage, work starts after survey approval.

Claim settlement – insurer pays garage (cashless) or reimburses you.

Always keep RC, DL, insurance policy copy, and FIR (if required) handy.

Delay = denial. Report within 24 hrs for smoother processing.

💡 Think of the claim process like a train journey—if you miss one connection (step), the whole journey gets delayed. With the right guidance, it’s a straight ride to settlement.

👉 At InsurDeck, we guide you through each step, ensuring your documents are in place and you don’t face unnecessary delays.

📦 Did You Know?
IRDAI mandates that insurers cannot delay claim settlement beyond 30 days once all documents are submitted.

Get Claim Support from InsurDeck

“What happens if I miss my motor insurance renewal date?” is a panic call we often get at InsurDeck.

The truth: letting your policy lapse, even by a single day, can cost you more than you think. You lose benefits, face penalties, and risk being uninsured on the road.

Here’s what you should know before deciding:

Driving without insurance is illegal → fines up to ₹2,000 + licence suspension.

If your policy lapses, you lose accumulated No Claim Bonus (NCB).

Insurer may ask for a fresh vehicle inspection before re-issuing cover.

During the lapse, if an accident happens, all costs come from your pocket.

Renewal is often cheapest if done 10–15 days before expiry.

💡 Think of renewal like recharging your phone plan. Miss the date, and your services stop. Except here, the consequences aren’t just inconvenience—they could mean paying lakhs from your savings.

👉 At InsurDeck, we track your renewal dates and send you timely reminders so you never lose benefits or drive uninsured.

📦 Did You Know?
Once a policy lapses, insurers can refuse cashless claims until a new policy is active.

Ask Us: “Can I revive a lapsed cover?”

“Isn’t motor insurance enough to protect me as a driver?” is a question many clients ask us at InsurDeck.

The truth: every motor policy in India must include a Personal Accident (PA) cover for the owner-driver, usually up to ₹15 lakh. But here’s what many forget—this doesn’t automatically protect passengers, family members, or paid drivers unless you specifically add them.

Here’s what you should know before deciding:

Mandatory PA Cover: ₹15 lakh for owner-driver (IRDAI rule).

Optional add-ons: You can extend cover to co-passengers and hired drivers.

In case of death or disability, PA cover ensures your family gets financial support.

Without it, your family may face out-of-pocket expenses despite having motor insurance.

Many people mistakenly assume PA cover = life insurance. It is limited only to road accidents involving the insured vehicle.

💡 Think of PA cover as a safety belt for your family’s finances. Even if you’re careful on the road, accidents caused by others can have lasting consequences—this cover softens the impact.

👉 At InsurDeck, we help you check if your policy has adequate PA cover and guide you on adding passengers for complete safety.

📦 Did You Know?
IRDAI made PA cover compulsory in 2019 after data showed that over 1.5 lakh road fatalities per year in India left many families without financial support.

Upgrade Your Accident Cover

“Why does my friend pay a lower premium than me for the same car?” is one of the most common doubts clients bring to InsurDeck.

The truth: your motor insurance premium is not random. It’s based on multiple factors that are specific to your car, your city, and your driving history. Knowing these helps you control costs without compromising cover.

Here’s what you should know before deciding:

Car Age & Model → Older cars = lower IDV = lower premiums.

City of Registration → Cars in metro cities (Delhi, Mumbai, Bengaluru) attract higher premiums than smaller towns due to traffic risk.

Add-Ons → Every add-on (like zero dep, engine protect) increases your premium.

Driving & Claim History → No Claim Bonus can reduce premium by 20–50%; frequent claims make it higher.

Voluntary Deductibles → Choosing to pay a small part of every claim = lower premiums.

💡 Think of premium like a restaurant bill. The base meal is the same, but what you order on top (add-ons, city, driving habits) changes the final bill.

👉 At InsurDeck, we break down your premium so you see where your money goes and where you can save—without cutting on safety.

📦 Did You Know?
In India, own-damage premiums are flexible, but third-party premiums are fixed annually by IRDAI—so only part of your premium is within your control.

See What Shapes Your Premium

Motor Insurance Questions
We Hear Every Day

What happens if I drive without valid insurance in India?

Driving without insurance is a punishable offence — ₹2,000 fine, possible licence suspension, and you’ll bear all accident costs yourself. InsurDeck ensures your cover never lapses by sending timely reminders and guiding quick renewals.

How soon should I inform my insurer after an accident?

Most insurers require intimation within 24–48 hours; delays can cause claim rejections. InsurDeck guides you step-by-step in claim filing so you don’t miss deadlines.

Are electric vehicles (EVs) insured differently in India?

Yes, EVs enjoy discounted third-party premiums plus add-ons like battery cover and roadside charging support. InsurDeck helps you pick EV-friendly policies tailored for your usage.

Can I switch my motor insurance company mid-policy?

Yes, you can change insurers at renewal while keeping your No Claim Bonus (NCB) intact. InsurDeck compares plans and helps you port smoothly, so you don’t lose benefits.

Does motor insurance cover natural disasters?

Yes! Most Indian insurers allow NRIs/PIOs to buy term plans – premiums can be paid in INR. Medical tests may be required in India or abroad (depending on insurer).InsurDeck helps NRIs pick policies that allow seamless claim settlement in India for their families.

Are there any discounts on motor insurance in India?

Yes — on anti-theft devices, AAI membership, timely renewals, and voluntary deductibles. InsurDeck shows you all eligible discounts upfront, so you don’t miss savings.

Is motor insurance transferable when I sell my car?

Yes. You must transfer the policy to the buyer within 14 days of sale, or else claims can be rejected. InsurDeck manages the transfer paperwork so both seller and buyer remain protected.

Does motor insurance cover natural disasters?

Private covers family/personal use; commercial covers taxis, goods carriers, and business vehicles — mixing them up can void claims. InsurDeck ensures you buy the correct type of cover to avoid future disputes.

Can I pay my premium in installments?

Traditionally, premiums are annual upfront, but some insurers now allow monthly/quarterly EMIs. InsurDeck checks which insurers offer EMI flexibility if upfront payment feels heavy.

Wherever You Drive, InsurDeck Drives With You

Drive Worry-Free. We've Got Your Wheels Covered.

Cars

Bikes

Commericial Vehicles

Cost-Effective Policies

Your Co-Passenger Every Insurance Journey

Comprehensive Coverage

We Speak “Human,” Not “Policy”

Your Ride, Your Rules

Peace of Mind, Priceless

Like a GPS for Insurance

Real People, Real Support

How InsurDeck Has Your Back on the Road

Let’s Find the Right Cover for Your Drive

Protect Your Drive with the Right Motor Insurance

Send us your details and we'll help you find the right cover.

Driving in India? Know These Motor Insurance Essentials

Here’s what you should know before deciding:

Motor Insurance Questions We Hear Every Day

What happens if I drive without valid insurance in India?

How soon should I inform my insurer after an accident?

Are electric vehicles (EVs) insured differently in India?

Can I switch my motor insurance company mid-policy?

Does motor insurance cover natural disasters?

Are there any discounts on motor insurance in India?

Is motor insurance transferable when I sell my car?

Does motor insurance cover natural disasters?

Can I pay my premium in installments?

Wherever You Drive,
InsurDeck Drives With You

Motor Insurance Questions
We Hear Every Day