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Motor insurance provides financial protection against physical damage caused due to natural calamities and any loss or damages in an unforeseen accident. Motor insurance policies can be purchased for private four-wheelers, commercial vehicles, two-wheelers, and other road vehicles.


Third-Party Insurance Cover 

This type of cover protects the vehicle owner against any damages, death, or disability caused to a third person or property. It does not cover any damages caused to the policyholder’s vehicle. This type of cover is mandatory for all vehicles in India as per the Motor Vehicles Act, 1988.

For instance, when driving a car, if the policyholder causes damage to any vehicle or property, then the insurance company will offer to cover the cost of the damages caused to the third party. In this case, the damages caused to the policyholder’s car will not be covered.


Comprehensive Insurance Cover

This optional cover offers widespread coverage. This type of insurance policy insures the policyholder against own damages as well as a third party damages. It also provides coverage against any damages caused to the policyholder’s vehicle due to man-made or natural calamities. 

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