Insurance for Your Car and Two-Wheeler
Understand motor insurance cover types, renewals and claims with straightforward guidance.
Understanding Motor Insurance
What is motor insurance?
Motor insurance covers your vehicle and your liability towards others as per the policy. Third-party cover is mandatory by law in India.
Coverage types
Third-party liability covers damage to others; comprehensive cover also includes damage to your own vehicle, as per policy terms.
Renewals
Renewing on time helps maintain continuous cover and any eligible no-claim benefits.
Claims basics
Inform the insurer promptly, keep documents ready and follow the survey process. Claims are settled as per policy terms.
Key Features & Plan Types
Availability of each option is subject to insurer and policy terms.
Car insurance
Cover options for private cars.
Two-wheeler insurance
Cover for bikes and scooters.
Third-party cover
Mandatory liability cover.
Comprehensive cover
Own damage plus third-party protection.
Add-ons
Options like zero depreciation or roadside assistance, where offered.
Renewal support
Reminders and help renewing before expiry.
Typical Eligibility
Factors usually considered:
- Vehicle make, model and age
- Registration city
- Insured declared value
- Claim history and no-claim bonus
- Cover type and add-ons
Eligibility, coverage and premiums may vary depending on the insurer, plan selected, applicant profile, health or asset details and other applicable factors.
Documents Typically Required
Vehicle documents
- Registration certificate (RC)
- Previous policy, for renewals
- Vehicle photos / inspection, if required
Owner details
- Identity and address proof
- PAN, where applicable
- Driving licence for claims
Additional documents may be requested by the respective insurer based on the applicant and transaction.
How the Process Works
- 01
Share Your Requirement
Tell us what you need through the form, WhatsApp or a call.
- 02
Profile & Document Review
We understand your profile and review the documents.
- 03
Explore Suitable Options
We help you compare suitable plans from insurers.
- 04
Proposal & Insurer Coordination
We assist with the proposal and coordinate with the insurer.
- 05
Policy Issuance
As per the insurer's underwriting and process.
Guidance You Can Rely On
Personalised Guidance
Advice shaped around your situation.
Multiple Financial Solutions
Loans and insurance under one roof.
Transparent Communication
Clear updates, no hidden surprises.
End-to-End Assistance
Support from enquiry to completion.
Insurer Coordination
We follow up so you don't have to.
Motor Insurance — Frequently Asked Questions
Is motor insurance mandatory?
Third-party motor insurance is mandatory in India.
What is comprehensive insurance?
It covers own damage to your vehicle in addition to third-party liability, as per policy terms.
What is no-claim bonus?
A discount on own-damage premium for claim-free years, as per insurer rules.
What if my policy has expired?
Renew as early as possible; the insurer may require a vehicle inspection.
How do I make a claim?
Inform the insurer, submit documents and complete the survey. We can guide you through it.
Looking for the Right Motor Insurance Solution?
Share your requirement and let our team help you explore suitable options.
Arthmitra Financial Services facilitates financial assistance and acts as an intermediary/channel partner where applicable. Approval, eligibility, interest rates, premiums, terms, documentation and other conditions are subject to the respective financial institution or insurer’s policies.