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Motor Insurance by Fibe Drive
Stay protected on the road with a motor insurance policy that covers your vehicle, your finances and your peace of mind.
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What is Motor Insurance?
- Motor insurance is a type of financial protection that covers your vehicle against accidents, damages, theft and third-party liabilities. It ensures that you don’t have to bear heavy expenses in case something unexpected happens.
- In India, having a third-party insurance 2-wheeler or 4-wheeler is mandatory by law. Whether you own a car or need motor bike insurance, a good motor vehicle insurance plan keeps you legally compliant and financially secure.
What does Motor Insurance Cover?
It covers risks related to your vehicle and what happens when you're involved with others.
Damage to Your Vehicle (Own Damage Cover)
Covers repair or replacement costs if your vehicle is damaged due to accidents, fire, theft, or natural disasters.
Personal Accident Cover
Covers medical expenses, disability, or death of the owner-driver in case of an accident.
Third-Party Liability
Mandatory under Indian law, this includes car insurance third party and third-party insurance two-wheeler, covering injury, death, or property damage caused to others.
Natural & Man-Made Disasters
This protects your car from floods, earthquakes or any other big storms. Your car is safe from disasters.
Theft, Fire & Explosion Protection
Provides compensation for losses if your vehicle is stolen or damaged due to fire-related incidents, including explosions.
Add-on Covers (you can choose these)
With add-ons, you can extend your motor vehicle insurance to include zero depreciation, engine protection, roadside assistance and more.
Features of Motor Insurance
Financial protection
Covers repair costs, theft and damages.
Easy purchase
Buy motor insurance online in minutes.
Custom plans
Choose plans for cars and motor bike insurance.
Add-ons available
Enjoy additional benefits with the cover.
What's Covered in Motor Insurance?
What’s Covered
- Own Damage Cover: Covers repair costs due to accidents, fire, natural disasters, or vandalism
- Theft Protection: Compensation in case your car is stolen
- Third Party Liability: Covers damages or injuries caused to another person or their property (mandatory under car insurance third party)
- Personal Accident Cover: Protection for the owner-driver in case of injury or death
- Natural & Man-Made Calamities: Protection against floods, earthquakes, riots, etc
- Fire Damage: Covers losses due to fire or explosion
What’s Not Covered
- Normal wear and tear or depreciation
- Driving without a valid license
- Driving under the influence of alcohol or drugs
- Mechanical or electrical breakdown (unless add-on taken)
- Damage outside geographical limits
- Consequential damages (like engine damage due to water ingress without add-on)
Motor Insurance Plan Types
Third Party Insurance Plan
This is the most basic and legally mandatory motor insurance in India. It covers damages or injuries caused to a third party (person or property) but does not cover your own vehicle. It includes options like car insurance third party and third party insurance two wheeler.
Comprehensive Insurance Plan
A complete motor vehicle insurance plan that covers both third-party liabilities and damages to your own vehicle. It also protects against theft, natural disasters, and accidents. This is ideal if you want all-round protection.
Standalone Own Damage Plan
This plan covers only damages to your own vehicle, such as accidents or natural calamities. It is usually purchased along with a separate third-party policy and is popular among those renewing motor insurance online.
Additional Benefits on Covers
Zero depreciation cover
Engine protection cover
Roadside assistance
No claim bonus protection
Return to invoice cover
Consumables coverHow to Apply for Motor Insurance
To get the motor insurance, you can follow the below simple steps:
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Motor Insurance FAQ’s
Yes, at least car insurance third party or third-party insurance two-wheeler is legally required.
Yes, you can easily buy or renew motor insurance online for cars and bikes.
Your policy is usually issued instantly after payment.
Yes, renewal is quick and can be done online in a few steps.
Basic documents required for motor insurance include RC, ID proof, and previous policy details (if applicable).
You can raise a claim through the insurer’s website or customer support with required details and documents.
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- Name of the Company: EarlySalary Services Private Limited
- Corporate Identity Number: U67120PN1994PTC184868
- RBI Registration Number: 13.02357
- Registered Office: 404, The Chambers, Viman Nagar, Pune - 411014
- Email: care@earlysalary.com
- Number: 020 6763 9797
- Corporate Agent Registration No: CA1037