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Motor Insurance

मोटर बीमा

Compare comprehensive car and bike insurance plans. Zero depreciation add-ons, engine protection, roadside assistance, and instant claims from top Indian insurers.

💰 Avg Premium: ₹1,599/yr📊 Cover: ₹30K – ₹50L✅ IRDAI Compliant

Top Motor Insurance Plans

Compare the best motor insurance plans in India for 2026. Handpicked by our insurance experts.

Acko Car Insurance
⭐ Featured

Acko General Insurance

Comprehensive

₹1,599/yr

Sum Insured

₹30K – ₹50L

4.6
  • Zero depreciation
  • Instant claims
  • Cashless garages
  • Roadside assistance
HDFC ERGO Motor
⭐ Featured

HDFC ERGO General Insurance

Comprehensive

₹2,100/yr

Sum Insured

₹30K – ₹50L

4.5
  • NCB protection
  • Engine cover
  • Return to invoice
  • 24x7 roadside help
ICICI Lombard Motor
⭐ Featured

ICICI Lombard General Insurance

Comprehensive

₹1,850/yr

Sum Insured

₹30K – ₹50L

4.4
  • Zero dep add-on
  • Cashless 6,500+ garages
  • Quick settlement
  • Personal accident
Digit Motor Insurance
⭐ Featured

Go Digit General Insurance

Comprehensive

₹1,499/yr

Sum Insured

₹30K – ₹50L

4.5
  • Smartphone claims
  • No paperwork
  • Customizable IDV
  • Instant policy

Essential Motor Insurance Add-ons

Supercharge your motor insurance with these recommended add-on covers.

Zero Depreciation Cover

Recommended

Full claim settlement without deducting depreciation on parts. Get 100% of repair cost covered.

₹2,000 - ₹4,000/yearBest for: 0-5 years

Return to Invoice (RTI)

Recommended

Get the full invoice value (ex-showroom price + registration + road tax) in case of total loss or theft.

₹1,500 - ₹3,000/yearBest for: 0-3 years

Engine Protection Cover

Recommended

Covers damage to engine and gearbox due to water logging, hydrostatic lock, or lubricant leakage.

₹800 - ₹2,000/yearBest for: 0-7 years

Roadside Assistance

Recommended

24/7 emergency roadside help including towing, flat tire, battery jumpstart, and fuel delivery.

₹500 - ₹1,000/yearBest for: Any age

Consumables Cover

Covers cost of consumables like engine oil, gearbox oil, nuts, bolts, screws, and lubricants during claims.

₹600 - ₹1,200/yearBest for: 0-5 years

Personal Accident Cover

Recommended

Covers accidental death and permanent disability of the owner-driver. Mandatory as per IRDAI.

₹300 - ₹600/yearBest for: Any age

No Claim Bonus Protection

Protects your NCB discount even after a claim. Your NCB stays intact for the next renewal.

₹1,000 - ₹2,500/yearBest for: 3+ years

Key Replacement Cover

Covers cost of replacing lost or stolen car keys including locksmith charges and reprogramming.

₹400 - ₹800/yearBest for: 0-5 years

Tyre Protection Cover

Covers damage or replacement of tyres due to accident, burst, or cut during an insured event.

₹800 - ₹1,500/yearBest for: 0-3 years

Frequently Asked Questions

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Disclaimer: IRDAI compliant — educational purpose only. Not investment advice. Insurance is a subject matter of solicitation. All plans, premiums, and features mentioned are indicative and may vary. Please read policy documents carefully before purchase. Paliwal Secure is an insurance comparison platform and is not a registered insurance intermediary. Product information is sourced from public IRDAI data and insurer disclosures.

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