MOTOR INSURANCE

Motor Insurance Made Simple & Stress‑Free

Get expert guidance and hassle‑free service.

Protect your car or bike against accidents, theft, and unexpected expenses with the right motor insurance plan.

  • Instant policy comparison

  • Cashless repairs at network garages

  • Hassle‑free claim assistance

Get Best Motor Insurance Quote

📞 Call: 9958109955 / 8588081596

What is Motor Insurance?

Motor insurance is a mandatory policy that protects vehicle owners against financial losses due to accidents, theft, natural calamities, fire, or third‑party liabilities. It ensures legal compliance and peace of mind while driving.

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Types of Motor Insurance Plans

Third‑Party Insurance

Covers legal liability for injury, death, or property damage caused to a third party. Mandatory by law in India

Comprehensive Insurance

Provides complete protection for your vehicle along with third‑party coverage against accidents, theft, and disasters.

Standalone Own Damage

Covers damages to your own vehicle and can be purchased separately if you already have third‑party insurance

What Does Motor Insurance Cover?

Motor Insurance Kya Cover Karta Hai

  • Accident ya collision se hone wala damage
  • Vehicle theft ya burglary
  • Fire & explosion
  • Natural calamities (flood, earthquake)
  • Man-made disasters (riot, strike, vandalism)
  • Third-party injury, death & property damage

Motor Insurance Kya Cover Nahi Karta

  • Normal wear & tear (tyres, clutch, ageing parts)
  • Valid driving license ke bina driving
  • Alcohol ya drugs ke influence me driving
  • Mechanical ya electrical breakdown (without accident)
  • Consequential damages (negligence se badha loss)
  • Policy terms & conditions ka violation

Enhance Your Motor Insurance with Add-On Covers

Pay a little extra to avoid big expenses later.

Zero Depreciation Cover

Get full claim amount without depreciation deduction on parts like plastic, rubber, or metal—ideal for new vehicles.

Engine Protection Cover

Covers costly engine and gearbox repairs due to waterlogging, oil leakage, or hydrostatic lock

Roadside Assistance

24×7 help for breakdowns, towing, battery jump-start, flat tyre, or fuel delivery—anytime, anywhere.

Return to Invoice (RTI)

In case of total loss or theft, get the original invoice value of your vehicle—not the depreciated IDV.

Why Buy Motor Insurance from MGPlanner?

Expert guidance, honest advice, and complete claim support—so you never feel stuck.

Personalised Expert Advice

We don’t sell policies blindly. We understand your vehicle, usage, and budget to suggest the most suitable motor insurance plan for you.

End-to-End Claim Support

From accident reporting to claim settlement, we stand with you at every step to ensure a smooth and stress-free claim experience.

Multiple Insurer Comparison

Compare top insurance companies in one place and get the best coverage at the right price—no confusion, no hidden surprises.

Talk to Motor Insurance Expert

Secure Your Vehicle Today

Choosing the right motor insurance is not just about finding the lowest premium—it’s about reliable protection and timely support when it matters most. We help you compare the best motor insurance plans, understand coverage clearly, and select the right add-ons for complete protection. From policy purchase to claim assistance, our expert guidance ensures a smooth, stress-free experience, so you can drive with confidence knowing your vehicle is well protected.

📞 Call: 9958109955 / 8588081596

Frequently Asked Questions (FAQs) :

Yes, third-party motor insurance is mandatory under the Motor Vehicles Act. Driving without valid insurance can result in fines and legal issues.

Third-party insurance covers damage or injury caused to others. Comprehensive insurance covers third-party liability as well as damage to your own vehicle

Insured Declared Value is the current market value of your vehicle.

IDV is the current market value of your vehicle after depreciation and is decided based on the vehicle’s age, model, and manufacturer.

NCB is a reward given as a discount on premium for every claim-free year. It can go up to 50 percent over time.

Yes, NCB belongs to the policyholder, not the vehicle. You can transfer it when buying a new vehicle or switching insurers

Add-ons are optional but highly recommended. They provide extra protection and help reduce out-of-pocket expenses during claims.

You usually need the policy copy, RC, driving license, FIR (if required), and repair estimate from the garage.

In a cashless claim, repairs are done at a network garage and the insurer directly pays the garage, reducing your immediate expenses.

If your policy expires, you lose coverage and NCB benefits. You may also face inspection and higher premiums at renewal.

Engine damage due to waterlogging is covered only if you have an Engine Protection add-on. It is not covered under standard policies.

Need Help Choosing the Right Motor Insurance?

📞 Call: 9958109955 / 8588081596

Get expert guidance and hassle‑free service.

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