Motor91 Insurance
Car Insurance Made Simple
Estimate premiums, compare indicative plans, prepare for renewal, and understand claims — with clear demos, not fake live insurer quotes.
Insurance tools
Interactive tools backed by the Insurance API. Premiums and plans are labelled as indicative/demo unless a real insurer feed is connected.
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Claim Assistance
Understand the claim process
Comprehensive Insurance
Comprehensive motor insurance typically combines own-damage cover for your car with third-party liability. Coverage depends on the selected insurer and policy.
What it generally covers
- Own damage from accidents, fire, theft or natural calamities (as per policy)
- Third-party bodily injury and property damage liability
- Optional add-ons such as roadside assistance or zero depreciation
What it generally does not cover
- Wear and tear, mechanical breakdown without an insured peril
- Driving without a valid licence or against policy conditions
- Losses excluded in the policy wording or beyond sum insured / IDV
Zero Depreciation
Zero depreciation (also called bumper-to-bumper in marketing) is an add-on that can reduce depreciation deductions on eligible parts during a claim. Coverage is subject to insurer terms and conditions.
Depreciation treatment: Without this add-on, insurers may deduct depreciation on plastic, fibre and metal parts. Zero dep can lower those deductions for covered claims.
Eligible parts: Usually limited to parts listed in the policy; tyres, batteries and consumables may still attract deductions or need separate covers.
Policy conditions: Often available for newer vehicles, with claim limits or age caps. It does not cover everything.
Why buyers choose it: Higher claim payout potential on accidental damage, in exchange for a higher premium.
Popular add-ons
Roadside assistance, engine protection, consumables, key replacement, return to invoice and personal accident — availability depends on insurer terms.
Browse quotesWhy insurance matters
Third-party liability is mandatory in India. Comprehensive cover can help with own damage repair costs. Always read the policy schedule before buying.
How it works
- Pick a vehicle and registration city.
- Choose coverage and optional add-ons.
- Review an indicative premium breakdown (IDV, base, GST).
- Compare demo plans or prepare renewal / claim next steps.
Paying with a loan?
Estimate EMI first, then check an insurance premium for the same car.
FAQ
No. Plans and premiums shown here are clearly labelled indicative/demo estimates for education. Final premium depends on the insurer and policy details.
Comprehensive cover typically combines own-damage and third-party liability, often with optional add-ons. Coverage depends on the selected insurer and policy.
Zero depreciation (zero dep) is an add-on that can reduce depreciation deductions on eligible parts during a claim, subject to insurer terms and conditions. It does not cover everything.
Estimates, quotes and plan comparison are public. Starting claim assistance requires sign-in with email/phone and password. No OTP or social login is used here.
Ready to estimate your premium?
Indicative only — final premium depends on insurer and policy details.