Digit
headset_mic
Digit
mail_outline
24x7
[email protected]
  • Products

    Motor

    • Car Insurance
    • Two Wheeler/Bike Insurance
    • Commercial Vehicle Insurance
    • Taxi/Cab Insurance
    • Auto Rickshaw Insurance
    • Truck Insurance

    Health

    • Health Insurance
    • Super Top-up Health Insurance
    • OPD Health Insurance
    • Arogya Sanjeevani Policy
    • Personal Accident Insurance
    • Corporate Health Insurance

    Other

    • International Travel Insurance
    • Flight Delay
    • Shop Insurance
    • Home Insurance
  • Claims

    • File a Claim
    • File Health Claim
    • File Motor Claim for Garages
    • COVID-19 Assistance
    • Claim Status
  • Renewals
  • Become an Agent
  • Products
    • Car Insurance
    • Two Wheeler/Bike Insurance
    • Commercial Vehicle Insurance
    • Taxi/Cab Insurance
    • Auto Rickshaw Insurance
    • Truck Insurance
    • Health Insurance
    • Super Top-up Health Insurance
    • OPD Health Insurance
    • Arogya Sanjeevani Policy
    • Personal Accident Insurance
    • Corporate Health Insurance
    • International Travel Insurance
    • Flight Delay
    • Shop Insurance
    • Home Insurance
  • Claims
    • File a Claim
    • File Health Claim
    • File Motor Claim for Garages
    • COVID-19 Assistance
    • Claim Status
  • Renewals
  • Become an Agent
  • Support
    Sign In
    • edit Edit Policy
    • download Download Policy
    • person_pin My Service Requests
    call 1800 103 4448 whatsapp 70260 61234 mail_outline [email protected]

    Our WhatsApp number cannot be used for calls. This is a chat only number.

  • login
  • about
  • contact
  • careers
Digit
More Products

Motor

  • Car Insurance
  • Two Wheeler/Bike Insurance
  • Commercial Vehicle Insurance
  • Taxi/Cab Insurance
  • Auto Rickshaw Insurance
  • Truck Insurance

Health

  • Health Insurance
  • Super Top-up Health Insurance
  • OPD Health Insurance
  • Arogya Sanjeevani Policy
  • Personal Accident Insurance
  • Corporate Health Insurance

Other

  • International Travel Insurance
  • Flight Delay
  • Shop Insurance
  • Home Insurance

Support

close
  • edit Edit Policy
  • download Download Policy
  • person_pin My Service Requests
call 1800 103 4448 whatsapp 70260 61234 mail_outline [email protected]

Our WhatsApp number cannot be used for calls. This is a chat only number.

Switch to Digit Insurance

Trusted by 2 crore+ Indians

  • Car Side View
    Car
  • Motorcycle Side View
    Bike
  • auto rikshaw
    Commercial
loading
loading
OR ENTER YOUR CAR NUMBER
keyboard_arrow_right
DON'T KNOW YOUR CAR NUMBER?
keyboard_arrow_right
or renew digit policy keyboard_arrow_right

I agree to the  Terms & Conditions

Terms and conditions

Oops, we have a mismatch!

Please enter valid registration number
Please enter valid City name
{{bikeCtrl.pincodeErrorMessage}}
loading
DON'T KNOW REGISTRATION NUMBER?
keyboard_arrow_right
I KNOW MY REGISTRATION NUMBER
keyboard_arrow_right
IT'S A NEW BIKE
keyboard_arrow_right
OR RENEW DIGIT POLICY
keyboard_arrow_right

I agree to the  Terms & Conditions

x {{country}}

Most Popular(You can select more than one)

  • {{country}}

Try agian later

loading

I agree to the  Terms & Conditions

As mandated by Spanish Authorities your travel insurance needs to extend 15 days after your trip ends.
We will extend your coverage period accordingly.

Get Quote
false false false false false false false false false false false false
{{healthCtrl.residentPincodeError}}
{{healthCtrl.agentCodeError}}
close {{member}} {{ healthCtrl.getMemberCount(member) }}
{{healthCtrl.familyComposureError}}
{{healthCtrl.mobileNumberError}}

Try agian later

loading

Port my existing Policy

keyboard_arrow_right

I agree to the  Terms & Conditions

I agree to the  Terms & Conditions

Agent Name: {{healthCtrl.integraAgentDetails.agentName}}
State: {{healthCtrl.integraAgentDetails.state}}
SP Name: {{healthCtrl.integraAgentDetails.spName}}
SP Code: {{healthCtrl.integraAgentDetails.spCode}}

Try agian later

loading
{{healthCtrl.residentPincodeError}}
{{healthCtrl.agentCodeError}}
Agent name: {{healthCtrl.integraAgentDetails.agentName}}
State: {{healthCtrl.integraAgentDetails.state}}
SP Name: {{healthCtrl.integraAgentDetails.spName}}
SP code: {{healthCtrl.integraAgentDetails.spCode}}
+91 {{healthCtrl.mobileNumberError}}

Try agian later

loading
done
I agree to the  Terms & Conditions

You can select more than one member

{{healthCtrl.patentSelectErrorStatus}}

  • -{{familyMember.multipleCount}}+ Max {{healthCtrl.maxChildCount}} kids
    (s)
OR ENTER YOUR REGISTRATION NUMBER
keyboard_arrow_right
DON'T KNOW YOUR REGISTRATION NUMBER
keyboard_arrow_right
or renew digit policy keyboard_arrow_right

I agree to the  Terms & Conditions

Get Quote
  • {{travelCtrl.countriesList}} Edit

    x {{country}}
    {{travelCtrl.mobileCountryErrorMessage}}

    Most Popular(You can select more than one)

    • {{country}}
  • {{travelCtrl.startDate}}Edit

  • {{travelCtrl.endDate}} Edit

Terms and conditions

Terms and conditions

Terms and conditions

Virat Kohli has switched to Digit insurance! The choice of the Captain and 2 crore Indians. When will YOU switch?
Switch to Digit Insurance
  • Car
  • Two Wheeler
  • Commercial
  • More Products

Types of Motor Insurance

What is Motor Insurance?

Motor insurance is just like any other insurance policy, but unlike other insurances, it is ‘Mandatory'! And, as the name suggests, it is an insurance that is related to all types of motor vehicles-motorcycles, cars, jeeps, commercial vehicles etc.

Motor insurance has been made mandatory by the government for your safety and the safety of others. And the yearly premium you pay is just a meagre sum when compared to the advantages it has to offer you in case of, god forbid, any mishap.

Here’s yet another misconception many people have, Motor Insurance covers only the motor vehicle. Wrong again!

So first, let's start with the types of Motor Insurance policies, and by and large what they cover! Motor insurance can be classified on 2 things

  • The type of vehicle for which you are taking insurance
  • The amount of coverage that you want to cover your vehicle for

So, what are the different types of vehicle insurances in India based on the type of vehicle owned?

Types of Motor Insurance in India

Private Car Insurance Policy

Private Car Insurance Policy

This is motor insurance that needs to be taken for any private car owned by an individual and is mandated by the Government of India. It covers the vehicle for damages against accidents, fire, natural disasters, theft among others and also covers for any injury to the owner. It also covers any damages and injuries caused to the third party.
Get Car Insurance
Two-Wheeler Insurance Policy

Two-Wheeler Insurance Policy

This insurance policy covers two-wheelers like a scooter or a bike and is mandated by the Government of India. The two-wheeler is covered against damages from accidents, disasters, fire, theft, etc. as well as any damages and injuries to the third-party. It also offers a mandatory personal accident cover for the owner rider and can be taken for passengers too.
Get Bike Insurance
Commercial Vehicle Insurance

Commercial Vehicle Insurance

This insurance covers all vehicles that are not used for personal use. his type of insurance covers all those vehicles which are not used for personal purpose. Trucks, buses, heavy commercial vehicles, light commercial vehicles, multi-utility vehicles, agricultural vehicles, taxi/cab, ambulances, auto-rickshaw etc. are some vehicles that are covered under this insurance.
Get Commercial Vehicle Insurance

Types of Motor Insurance Policies in India

car-quarter-circle-chart

Third-Party

Third-party insurance is one of the most common types of vehicle insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

car-full-circle-chart

Comprehensive

Comprehensive insurance is one of the most valuable types of vehicle insurance that covers both third-party liabilities and damages to your own vehicle as well.

Third-Party

Comprehensive

Damages/Losses to own vehicle due to an accident

×
✔
×

Damages/Losses to own vehicle in case of fire

×
✔
×

Damages/Losses to own vehicle in case of a natural calamity

×
✔
×

Damages to Third-Party Vehicle

✔
✔
×

Damages to Third-Party Property

✔
✔
×

Personal Accident Cover

✔
✔
×

Injuries/Death of a Third-Party Person

✔
✔
×

Theft of your vehicle

×
✔
×

Doorstep Pick-Up & Drop

×
✔
×

Customize your IDV

×
✔
×

Extra protection with customized add-ons

×
✔
×

Add-ons with Comprehensive Motor Insurance Policy

Listed below are few of the ‘Add on’ covers that can be availed at a slight premium over the basic motor insurance policy cost.

Zero Depreciation

Age comes with its drawbacks. The same applies to your vehicle. The older it gets, the more the value of your car or bike drops or ‘depreciates’. But, not to fret, Zero depreciation add-on ensures that the value of your vehicle will remain as valuable as the day you bought it. After all, the insurer will not consider depreciation during final settlement!

Engine Protection Cover

Engine & Gearbox Protection Cover is an ‘Add on’ that offers financial protection for damages caused to the engine of the vehicle. Any damage caused, from water entering the engine to leakage of the lubricating oil, is covered under the policy.

Roadside Assistance

How do you fancy your set of wheels breaking down on a lonely dacoit-infested road at the stroke of midnight? Fear not, roadside assistance is there to rescue. All you need to do is give them a call and they’ll come to the spot and repair your vehicle. If not possible, they will tow it to the nearest service station. At least you’ll be dacoit-free!   

Consumable Cover

Nowadays, motor insurance companies provide a consumable cover add-on to cover the service costs of your vehicle, from the new engine oil put into your vehicle right to that missing nut on your engine cover. 

Return to Invoice Cover

In case of theft or damages beyond repair, return to invoice add-on gives you the benefit of getting back the complete amount of your car/bike invoice value, including the cost of registering a new vehicle and its road tax respectively.

Tyre Protect Cover

Generally, tyre damage isn't covered in standard insurance unless the damage takes place during an accident. That's why this tyre protect add-on gives you the benefit to safeguard and cover for your car's tyre damages such as tyre bursts, bulges or cuts during all other situations possible.

So, you might be wondering why someone would go in for this insurance when they aren’t going to personally benefit anything out of it. Right?

Well, it makes sense to take Third Party insurance if you use your vehicle only occasionally and not as your daily commute, so there will be lesser chances of a mishap happening right.

Also, if you are planning on selling your car in a couple of days or months, it doesn’t make sense to pay such a high premium for Comprehensive Insurance for the entire year!

Another point to be noted is that the hefty premium that comprehensive insurance demands eventually takes its toll on the buyer with a limited budget! This is the reason why they choose to go with Third Party Insurance.

That said, we still recommend Comprehensive Insurance over Third Party Insurance, for the simple reason that its benefits are well worth the slight premium you pay.

At the end of the day the good old holds true when it comes to choosing your Motor Insurance- “NEVER BE PENNY WISE AND POUND FOOLISH😊!”

Please try one more time!

Request URL:
Status Code:
Request Payload:
Response Data:
  1. Digit Insurance
  2. Motor Insurance
  3. Types of Motor Insurance

Last updated: 2021-12-16

Digit
  • about
  • contact
  • career
Products
  • Car Insurance
  • Bike Insurance
  • Travel Insurance
  • Health Insurance
  • Property Insurance
  • Shop Insurance
  • Group Health Insurance
  • Arogya Sanjeevani Policy
  • Commercial Vehicle Insurance
  • Super Top-up Health Insurance
  • Flight Delay
Resources
  • Blog
  • Press
  • Download Policy
  • Grievance Redressal Procedure
  • Cancel e-Mandate
Agent & Partnerships
  • Become an Agent
  • Become Digit POSP
  • Garages claim intimation
Services
  • Claims
  • Renewals
  • Digit Cashless Garages
  • Digit Cashless Hospitals
Get our app
Download man
App Store Google Play

Other Products
  • Home Insurance
  • Fire Insurance
  • Burglary Insurance
  • Building Insurance
  • Bus Insurance
  • Tractor Insurance
  • Commercial Van Insurance
  • Passenger Carrying Vehicle Insurance
  • Heavy Vehicle Insurance
  • Goods Carrying Vehicle Insurance
  • Activa Insurance
  • Jupiter Insurance
  • Bullet Insurance
Health Insurance Guides
  • Individual Health Insurance
  • Family Health Insurance
  • Health Insurance for Parents
  • Health Insurance Premium Calculator
  • Compare Health Insurance
  • Health Insurance for Senior Citizens
  • Health Insurance with Maternity Cover
  • Corona Kavach Policy
  • Corona Rakshak Policy
  • हेल्थ इन्शुरन्स
  • फैमिली हेल्थ इन्शुरन्स
Car Insurance Guides
  • Third Party Car Insurance
  • Comprehensive Car Insurance
  • Zero Depreciation Car Insurance
  • NCB in Car Insurance
  • IDV Calculator for Car
  • Bumper to Bumper Car Insurance
  • Car Insurance Calculator
  • Own Damage Car Insurance
  • Comprehensive vs Third Party Insurance
  • Compare Car Insurance
  • Find Vehicle Registration Details Online
Bike Insurance Guides
  • Third Party Bike Insurance
  • Comprehensive Bike Insurance
  • Zero Depreciation Bike Insurance
  • NCB in Two Wheeler Insurance
  • IDV Value Calculator for Bike
  • Add-on Cover in Bike Insurance
  • Bike Insurance Calculator
  • Own Damage Bike Insurance
  • Comprehensive vs Third Party Bike Insurance
  • Compare Bike Insurance
  • Royal Enfield Insurance
  • TVS Insurance
  • Hero Bike Insurance
Other Guides
  • Types of Insurance
  • Types of General Insurance
  • Types of Motor Insurance
  • International Driving License
  • Visa on Arrival for Indians
  • Visa Free Countries for Indians
  • Comprehensive vs Zero Depreciation
  • Coronavirus Health Insurance
  • Coronavirus Symptoms Checker
  • Indian Passport Rank
  • Digit Illness Group Insurance
  • Hero Splendor Insurance
  • Access Insurance
  • Scooty Insurance
Calculators
  • SME Buddy Calculator
  • Home Loan EMI Calculator
  • Bike Loan EMI Calculator
  • Car Loan EMI Calculator
  • HRA Exemption Calculator
  • Sukanya Samriddhi Yojana Calculator
  • SIP Calculator
  • RD Calculator
  • SWP Calculator
  • GST Calculator
  • PPF Calculator
  • Personal Loan EMI Calculator
  • EMI Calculator
Finance Guides
  • What is Credit Score
  • Public Provident Fund
  • How to Open PPF Account?
  • How to open Sukanya Samriddhi Account
  • What is GST?
  • GST Registration in India
  • PAN Card
  • Aadhaar Card
  • Property Tax
  • Road Tax
  • Passport Process
Traffic Rules
  • PUC Certificate
  • Vehicle Registration Certificate
  • New Traffic Fines
  • Fine for Driving without Helmet
  • Types of Driving Licence in India
  • Driving Licence in Delhi
  • Driving Licence in Bangalore
  • Driving Licence in Jaipur
  • Bangalore Traffic Fines
  • Pune RTO Fine
  • Own Damage Insurance
Income Tax Guides
  • How to Save Income Tax in India
  • Income Tax Slab
  • Tax Deductions under Section 80C
  • Individual Income Tax Slab
  • Income Tax Slab for Women
  • Senior Citizen Tax Slab
  • Income Tax Benefits for Senior Citizens
  • Tax Saving Options other than 80C
RTO Offices in India
  • RTO Office
  • RTO Pune
  • RTO Ahmedabad
  • RTO Bangalore
  • RTO Mumbai
  • RTO Delhi
  • RTO Lucknow
  • RTO Thane
  • RTO Chennai
Important Links
  • Digit Insurance Reviews
  • Car Insurance Reviews
  • Bike Insurance Reviews
  • Commercial Vehicle Insurance Reviews
  • Travel Insurance Reviews
  • Health Insurance Reviews
  • Mobile Insurance Reviews
  • Become a Digit Partner
  • General Insurance Agent
  • Health Insurance Agent
  • Motor Insurance Agent
Car Brands & Models
  • Maruti Insurance
  • Toyota Car Insurance
  • Tata Car Insurance
  • Hyundai Car Insurance
  • Kia Car Insurance
  • Mahindra Car Insurance
  • Tata Tiago Insurance
  • Tata Nexon Insurance
  • Hyundai i20 Insurance
  • Creta Insurance
  • Baleno Insurance
Downloads Do Not Disturb (DND) Public Disclosures Stewardship Policy IRDAI Privacy Policy

CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka