Motor Insurance Plans

Renew in 15 minutes. Protected in seconds.

Car and two-wheeler insurance with real claim support — not a call-centre maze. We handle the process from first call to settlement.

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Mandatory

Third-party cover by law

50%

NCB discount (6 claim-free years)

₹0

Out-of-pocket with zero-dep

24 hrs

Claim intimation window

Plan Comparison

Third-Party vs Comprehensive vs Zero-Dep

Understanding the difference helps you avoid being under-insured when it matters most.

Coverage	Third-Party Only	Comprehensive	Zero Depreciation
Third-party injury/death liability	✓	✓	✓
Third-party property damage	✓	✓	✓
Own vehicle damage (accident)	✗	✓	✓
Theft of vehicle	✗	✓	✓
Natural calamity damage (flood, etc.)	✗	✓	✓
Depreciation deducted at claim	N/A	Yes (10–50%)	No — zero deduction
Personal accident cover (owner-driver)	✓ (₹15L)	✓ (₹15L)	✓ (₹15L)
Annual premium (small car, example)	₹2,000–3,500	₹8,000–18,000	₹10,000–22,000

Recommended Add-ons

Key add-ons to consider

Add-ons fill the gaps in standard comprehensive plans. Each one is worth evaluating for your situation.

Zero Depreciation

The most popular add-on. Ensures you get the full repair cost without any depreciation deduction — critical for new cars (first 3–5 years).

Essential

Roadside Assistance

24/7 support for breakdowns, flat tyres, fuel delivery, and towing. Invaluable on highways or late-night drives.

Recommended

Engine Protection

Covers engine damage due to water ingression (flooding) or oil leakage — both typically excluded from standard comprehensive plans.

New Cars

Return to Invoice

In case of total loss or theft, you get the original invoice value of the car — not the depreciated market value.

Value Add

Consumables Cover

Standard plans exclude nuts, bolts, oil, filter replacement. This add-on covers them — saves ₹2,000–8,000 per repair.

NCB Protection

Your No-Claim Bonus (up to 50% discount) is protected even if you make one claim during the year.

Claims Process

How to file a motor insurance claim

Follow these five steps — and call us first, we'll guide you through every one of them.

Inform us and your insurer immediately

Call NKT or your insurer's helpline within 24 hours of the accident. We'll guide you through the exact steps for your policy.

Do not move the vehicle

For major accidents, don't move the vehicle until the surveyor arrives. Take photographs of the scene from multiple angles.

File an FIR if required

For theft, third-party injury, or accidents involving another party, file a police FIR. This is mandatory for most claims.

Surveyor assessment

The insurer sends a surveyor to assess damage. For cashless claims, take the vehicle to a network garage — the surveyor visits there.

Claim settlement

For cashless repairs: the insurer pays the garage directly. For reimbursement claims: submit bills within 30 days for repayment.

Client Story

Why clients trust us with claims

The claim process is where most advisors disappear. We don't.

★★★★★

"My car was totalled in a flood. NKT filed the claim, followed up with the surveyor, and got us ₹7.2L — the full IDV. From accident to settlement in 18 days. I didn't make a single call to the insurer myself."

Amit V.

Comprehensive Car Insurance · Flood Claim · Bengaluru

Motor insurance questions answered

Everything you need to know before renewing or buying motor insurance.

Yes — third-party (TP) motor insurance is mandatory under the Motor Vehicles Act 1988. Driving without valid TP insurance can result in fines up to ₹2,000 and/or imprisonment. Comprehensive cover is optional but highly recommended.

IDV (Insured Declared Value) is the current market value of your vehicle — it's the maximum amount you'd receive in a total loss claim. A higher IDV means higher premium but better protection. We help you set the right IDV — not too high (expensive) or too low (under-insured).

NCB is a discount on your renewal premium for every claim-free year. It starts at 20% in year 2 and goes up to 50% by year 6. A ₹15,000 premium can become ₹7,500 after 6 claim-free years. Your NCB is personal — it follows you when you switch insurers or buy a new car.

For cars less than 3–5 years old, yes — absolutely. Without zero-dep, your insurer deducts 10–50% from the repair bill for depreciation. On a ₹1L repair, that's ₹10,000–50,000 out of your pocket. The add-on typically costs ₹2,000–5,000 per year.

Yes — NCB belongs to you, not the vehicle. When you sell your car, you can transfer your NCB discount to your new vehicle's policy. Request an NCB retention letter from your insurer before the sale.

If your motor insurance lapses, you lose your NCB discount and the vehicle must be physically inspected before a new policy is issued. You're also legally driving uninsured (for TP coverage) during the lapse period. We send renewal reminders 45, 30, and 15 days in advance.

For cashless: take the vehicle to a network garage. The insurer pays the garage directly. For reimbursement: get it repaired anywhere, submit bills to the insurer. We assist with both and follow up on your behalf.

No — each vehicle needs its own separate motor insurance policy. However, we manage all your policies together, send consolidated renewal reminders, and ensure none of them lapse.

Get a quote for your car or bike. Compare, choose, and get covered — we handle the paperwork.