Motor insurance in Sonipat and across India
Car, bike and commercial vehicle cover compared across leading insurers, with help at claim time.
- Compare plans from 6 motor insurers
- Keep your No Claim Bonus when you switch
- Personal help with surveys and garage claims
Who needs motor insurance?
Every vehicle on Indian roads must have at least third-party insurance under the Motor Vehicles Act. A comprehensive policy also pays for damage to your own vehicle from accidents, theft, fire, floods and more.
We compare renewal prices across insurers each year so you are not stuck paying whatever your current insurer quotes.
- Car and two-wheeler owners renewing every year
- New vehicle buyers who want a better deal than the dealer’s policy
- Businesses with goods carriers, taxis or fleets
- Anyone whose policy has lapsed and needs it restored quickly
Motor insurance plans we help with
Car
Renew your car insurance at a fair price, keep your No Claim Bonus and get real help when you claim.
Car Insurance
- Quotes from multiple insurers on WhatsApp
- Add-ons like zero depreciation explained simply
- Help with surveyor and garage at claim time
Bike
Quick renewal for your bike or scooter, with long-term plans that save you yearly paperwork.
Bike Insurance
- Renew in minutes on WhatsApp
- Long-term (2 to 5 year) plans available
- Help even if your policy has expired
Commercial vehicle
Cover for goods carriers, passenger vehicles and fleets, with renewal dates managed for you.
Commercial Vehicle Insurance
- Goods carriers, taxis, school vans and tractors
- One advisor for your whole fleet
- Claim help that keeps your vehicles on the road
Types of motor cover
Third-party
Mandatory by law. Pays for injury to others and damage to their property. Does not cover your own vehicle.
Comprehensive
Third-party cover plus damage to your own vehicle from accidents, theft, fire and natural calamities.
Standalone own damage
Covers only your own vehicle, for owners who already have a long-term third-party policy.
What is covered, and what is not
Every policy has limits. We explain them upfront so there are no surprises at claim time. Exact cover depends on the insurer and plan you choose.
Usually covered
- Accident damage to your vehicle (comprehensive)
- Theft of the vehicle
- Fire, flood, storm and other natural calamities
- Riots, strikes and malicious damage
- Third-party injury, death and property damage
- Personal accident cover for the owner-driver
Usually not covered
- Normal wear and tear, mechanical or electrical breakdown
- Driving without a valid licence
- Driving under the influence of alcohol or drugs
- Damage when the vehicle is used for a purpose not allowed by the policy
- Consequential loss (e.g. engine damage from driving in water, unless you have engine protect)
Popular add-ons
Explained in plain language. Your advisor will tell you which ones are worth it for you.
Zero depreciation
The insurer pays the full cost of replaced parts, without cutting for depreciation. Very useful for cars under 5 years old.
Engine protect
Covers engine damage from water entering the engine or oil leakage, which a standard policy excludes.
Roadside assistance
Help with towing, flat tyres, battery jump-starts and fuel delivery when you are stuck.
Return to invoice
If the car is stolen or a total loss, you get the invoice value instead of the depreciated IDV.
NCB protect
Keep your No Claim Bonus discount even after making a claim.
Consumables cover
Pays for nuts, bolts, oil and other small items that a standard policy does not.
We compare motor plans from
- IFFCO Tokio General Insurance
- Generali Central Insurance (formerly Future Generali India)
- HDFC ERGO General Insurance
- The Oriental Insurance Company
- United India Insurance Company
- National Insurance Company
Documents needed
- Registration certificate (RC)
- Driving licence of the driver at the time
- Previous policy copy (for renewal or No Claim Bonus)
- Photos of the vehicle, if the policy has lapsed
- FIR copy for theft or third-party injury claims
How claims work
Stay safe and inform us
Move to safety, take photos of the vehicle and the spot, and call or WhatsApp your A2 advisor.
Register the claim
We help you register the claim with the insurer and get a claim number. File an FIR for theft or third-party injury.
Survey and repair
Take the vehicle to a network garage for cashless repair, or any garage for reimbursement. The insurer’s surveyor inspects it.
Settlement
The insurer pays the garage (cashless) or you (reimbursement). We follow up until it is settled.
Motor Insurance: frequently asked questions
Is third-party insurance enough?
It meets the legal requirement, but it does not pay anything for damage to your own vehicle. For most cars and newer bikes, a comprehensive policy gives far better protection.
What is No Claim Bonus (NCB)?
A discount on your own-damage premium for every claim-free year, from 20% up to 50%. It belongs to you, not the vehicle, so you keep it when you switch insurers.
My policy has expired. What now?
Do not drive until it is renewed. Contact us; for a comprehensive policy the insurer may need a quick vehicle inspection. If it has been expired for over 90 days, the NCB is lost.
What is IDV?
Insured Declared Value is roughly the current market value of your vehicle, and the most the insurer pays for theft or total loss. You can estimate it with our car IDV calculator.
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Choose a health plan that actually pays when you need it, with waiting periods and limits explained upfront.
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- Compare plans from 5 health insurers
- Cashless treatment at network hospitals
- Help with cashless approval and reimbursement claims
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Medical and trip cover for domestic and international travel, with fast policy delivery on email.
Travel Insurance
- Student travel plans that meet university requirements
- Policy PDF on email, often the same day
- Cover for medical emergencies, lost baggage and delays
Talk to an advisor about motor insurance
Get a free comparison from leading insurers, explained in plain language. Online or at our Sonipat office.
Or call 99996 68013 · Monday to Saturday, 10:00 AM to 6:00 PM