How To get motor Insurance Online?

If you own a vehicle in India, it is imperative to insure it with a valid insurance policy. Insurance for car and bike protects against the damages/loss incurred to the insured vehicle-associated owner or damage caused to a third party by the insured vehicle. Owning vehicle insurance is obligatory under the motor vehicle act 1988. Driving while not having insurance could be a punishable offense and one is often heavily punished for this act.

Motor insurance is obtainable for two-wheelers, four-wheelers, and different industrial vehicles. The vehicle insurance has two sections: the own damage section and the third party section. Own damage section covers the loss or damage to the vehicle because of an insured peril, and the insurer bears the repair or replacement prices at the time of claim. The third-party section covers the bodily injury of third parties and property damage of any third parties due to the insured vehicle. The limit of liability under the own damage section would be the Insured declared price as mentioned in the policy document. The limit of liability under the bodily injury of the third party section would be unlimited, and the courts would award the claim. Visit the Sarkari Suvidhas website to know which insurance for bike and cars suits you.

Here are the different types of motor insurances policy:

1. Comprehensive policy

This is a standard policy that offers comprehensive policyholder coverage in a variety of situations. This plan, also known as "Non-Collision Protection," covers liability for personal injury and/or accidental death/property damage, own liability for loss of life, and/or property damage from natural disasters and/or man-made disasters. The premium for this plan is high because of the comprehensive insurance coverage that the plan offers for the comprehensive plan.

2. Third-party Liability cover

Also known as third-party insurance, this plan protects against any statutory liability claims arising from damage or injury caused by the insured vehicle to a person or property of a third party. Personal injury covered by this plan includes accidental death, personal injury, permanent disability, etc. It can be used coverage at a lower premium as it only covers third-party liability. This coverage allows you to claim in the No-Fault Liability Claims category. Claim the damage without providing evidence that your negligence caused the accident. Sometimes insurers offer personal injury protection as a supplement to this insurance policy.