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Drive Worry-Free with Motor Insurance

Comprehensive coverage for your car or bike against accidents, theft, and natural disasters.

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What Is Motor Insurance?

Motor Insurance protects your vehicle—car, bike, or commercial vehicle—against financial losses due to accidents, theft, natural calamities, and third-party liabilities. It ensures you drive with confidence, knowing your vehicle and legal obligations are covered.

Car on road

Why You Need Motor Insurance?

Accident Protection

Covers damages from collisions.

Third-Party Liability

Protects against legal claims.

Theft Coverage

Safeguards against vehicle theft.

Natural Disasters

Covers floods, earthquakes, etc.

Financial Security

Reduces repair and replacement costs.

What Is Covered / Not Covered

Covered

  • Accidental Damage
  • Theft or Burglary
  • Third-Party Liability
  • Natural Calamities
  • Personal Accident (Optional)

Not Covered

  • Wear and Tear
  • Drunk Driving Damages
  • Unlicensed Driver
  • Mechanical Breakdown
  • Illegal Activities

Types of Coverage Available

Third-Party Liability

Covers damages to third parties.

Comprehensive Coverage

Full protection for vehicle and liabilities.

Personal Accident

Covers injuries to driver/owner.

Theft Protection

Covers loss due to vehicle theft.

Roadside Assistance

Support for breakdowns and towing.

Natural Calamity Cover

Protects against floods, storms, etc.

Who Can Buy This Insurance?

Car Owners

Individuals with private cars.

Bike Owners

Two-wheeler owners and riders.

Commercial Vehicle Owners

Taxi, truck, or bus operators.

Fleet Owners

Businesses with multiple vehicles.

New Vehicle Owners

Recent car or bike purchasers.

Corporate Clients

Companies insuring employee vehicles.

How to Buy / Apply

Step 1: Share Details

Provide vehicle and owner details.

Step 2: Choose Coverage

Select third-party or comprehensive.

Step 3: Get Quote

Compare plans and finalize policy.

Step 4: Pay & Receive

Pay online and get policy instantly.

Claim Process

Step 1: Notify Insurer

Inform us about the incident promptly.

Step 2: Submit Documents

Provide FIR, photos, and repair bills.

Step 3: Surveyor Inspection

Vehicle assessed by our surveyor.

Step 4: Claim Payout

Receive approved claim amount.

Frequently Asked Questions

Is motor insurance mandatory?

Yes, third-party motor insurance is mandatory in India under the Motor Vehicles Act, 1988.

What is a no-claim bonus?

A no-claim bonus is a discount on your premium for not making claims during the policy period.

Can I transfer my insurance?

Yes, motor insurance can be transferred to a new owner or vehicle with proper documentation.

Are add-ons necessary?

Add-ons like roadside assistance or zero depreciation are optional but enhance coverage.

What’s the minimum premium?

Premiums vary based on vehicle type, age, and coverage. Get a quote for exact pricing.

Contact & Support

Customer Care

Call us at: +91 8827275975

Email Support

Reach us at: support@apsinsurancevia.com

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