Compare your options
Look at cover as well as cost
MOTOR INSURANCE
Protect Your Vehicle.
Drive Worry-Free.
Explore motor insurance for your car or bike. Compare the cover, understand the details and find a starting point for your next journey.
Comprehensive cover
Own damage and third-party protection
Third-party cover
Protection for insured liability
Renewal support
Plan ahead for continued cover
Choose your cover
Third party, own damage or comprehensive
Useful add-ons
Tailor eligible cover to your needs
A simple first step
Request a quote or renewal conversation
COVER FOR THE ROAD AHEAD
Your vehicle. Your journeys.
Your choice of protection.
Motor insurance helps manage the financial impact of insured accidents, vehicle loss and liability to others. The protection you receive depends on the type of policy you choose.
Start with the vehicle you use, your existing policy and the repair costs you could manage yourself. Then look at the conditions behind each quotation.
UNDERSTAND THE DIFFERENCE
Choose the cover your vehicle needs
Third-party liability
Protects against covered legal liability for injury, death or property damage to others. It does not pay for repairs to your own vehicle.
Standalone own damage
Covers eligible damage or loss to your vehicle. It must be considered alongside valid third-party insurance, which it does not replace.
Comprehensive cover
Combines third-party liability and own-damage protection. The name does not mean every event or repair expense is covered.
Know what is included before you need it
Own-damage benefits to check
- Accidental damage to the insured vehicle.
- Theft, fire and specified natural events.
- Cashless repairs at eligible network garages.
- Optional add-ons listed in the policy schedule.
Common limits and exclusions
- Wear and tear and routine maintenance.
- Mechanical or electrical breakdown unless specifically covered.
- Use outside the policy's permitted purpose or conditions.
- Deductibles, depreciation and other non-payable expenses.
PERSONALISE YOUR PROTECTION
Add-ons worth understanding
Availability depends on the insurer, vehicle and base policy. Choose benefits for your circumstances, rather than adding every option.
Zero depreciation
Reduces depreciation deductions on eligible replaced parts. Deductibles, claim limits and excluded items can still apply.
Roadside assistance
Help such as towing or breakdown support, within the service limits and locations specified by the insurer.
Engine protection
May cover specified engine or gearbox damage that a standard policy excludes. Read the insured events and exclusions carefully.
Return to invoice
May enhance settlement for eligible theft or total-loss claims. Vehicle age, valuation and claim conditions vary.
COMPARE LIKE FOR LIKE
A lower premium is only one part of the picture
Vehicle details
Use the correct registration, model, variant, fuel type and declared use in every quote.
Insured value
Check that the IDV and selected add-ons are comparable across the options you review.
Your contribution
Compare compulsory and voluntary deductibles. A lower price can come with a larger share of a claim.
Repair access
Check garages near your home or workplace and how cashless authorisation works.
Claim history
Confirm the no-claim bonus declared in your proposal matches your actual entitlement.
Policy dates
Own-damage and third-party cover may end on different dates. Check both before renewing.
KEEP YOUR NEXT JOURNEY IN MIND
Make renewal a considered decision
- Keep the details ready
Have your registration certificate, existing policy, expiry dates and previous claim details available.
- Review what has changed
Check vehicle use, ownership, accessories and the protection you need. Confirm details with the insurer.
- Check the issued policy
Verify the registration, cover dates, IDV, add-ons and payment receipt. Keep an accessible copy.
WHEN SOMETHING GOES WRONG
Start your claim with clear information
Report and document
Prioritise safety, notify the insurer promptly and follow its instructions. Record the incident and retain relevant photographs and documents. Ask whether a police report, inspection or repair authorisation is needed.
Understand the repair route
With approved cashless repairs, the insurer settles eligible costs with the network garage. For reimbursement, retain bills and payment receipts for assessment. You remain responsible for costs the policy does not pay.
ANSWERS BEFORE YOU APPLY
Motor insurance questions, explained
Does third-party insurance cover repairs to my vehicle?
No. It covers insured liability to other people. Own-damage cover is needed for eligible damage to your own vehicle.
What is IDV?
Insured Declared Value is the vehicle value used for insurance purposes, particularly for eligible theft or total-loss settlement. Compare quotations with the same IDV to understand price differences.
What does a no-claim bonus apply to?
An eligible no-claim bonus reduces the own-damage premium, not the third-party premium. Disclose your previous claims accurately and confirm the entitlement with the insurer.
Does zero depreciation mean I pay nothing for repairs?
No. This add-on addresses specified depreciation deductions. You may still pay deductibles, excluded consumables and other non-payable expenses.
Can I renew an expired policy?
Ask the insurer about its renewal requirements. Inspection may be needed, and cover is not automatically backdated to fill the gap. Check the new start date before using the vehicle.
Does this form buy or renew my policy?
No. It requests a callback from MagikPolicy. Insurance starts only as stated in the policy issued by the insurer after its requirements are met.
Ready to talk about your vehicle cover?
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Cover, add-ons, exclusions and claim settlement depend on the insurer and policy wording. Review your schedule before buying or renewing. Read IRDAI's motor insurance guidance for consumer information.