+91 9390107451

Motor Insurance

Drive worry-free with motor insurance that protects your vehicle, finances, and peace of mind on every journey.

Speak to an Advisor for a New Policy Get a Free Policy Review
Team Image
ABOUT company Understand the Basics

What Does Motor Insurance Cover?

Motor insurance is a legal and financial cover that protects your vehicle—be it a bike, car, or commercial vehicle—against accidents, theft, fire, and third-party liabilities. In exchange for a premium, your insurer covers the repair or replacement costs arising from unforeseen damages. It’s not just a smart decision—it’s a mandatory one under Indian law for all motor vehicles.

Learn More

Smart, Quick & Digital

Benefits of Buying Motor Insurance Online

Icon Icon Hover
Instant Policy Issuance

Compare and purchase motor insurance in minutes, with no paperwork or agent dependency.

Icon Icon Hover
Easy Premium Comparison

Access quotes from top motor insurers and select the best coverage for your budget.

Icon Icon Hover
Digital Policy & Renewals

Get your policy instantly on email and enjoy seamless renewals from anywhere, anytime.

Secure Your Ride and Finances

Why You Need Motor Insurance Without Delay

01

It’s Legally Mandatory

All vehicles on Indian roads must have at least third-party motor insurance coverage.

02

Covers Accident Damages

Get financial protection for vehicle damage due to collisions, natural disasters, or fire.

03

Protects Against Theft

If your vehicle is stolen, your insurer compensates you based on the insured value.

04

Third-Party Liability Cover

Covers injuries, property damage, or death caused to others by your vehicle.

05

Cashless Garage Network

Avail repairs at partner garages without paying upfront—insurer pays directly.

06

Add-Ons for Enhanced Cover

Include benefits like zero depreciation, engine protection, or roadside assistance as needed.

Choose What Works for Your Vehicle

Types of Motor Insurance You Can Buy

Third-Party Liability Cover

Mandatory coverage for damage or injury caused to others in an accident.

Comprehensive Insurance

Covers both third-party liabilities and own vehicle damages or loss.

Own Damage Cover

Protects your vehicle against theft, fire, natural calamities, and accidental damage.

Two-Wheeler Insurance

Designed specifically for bikes and scooters with affordable premiums and wide coverage.

Car Insurance

Protects your personal or family car against multiple on-road and off-road risks.

Commercial Vehicle Insurance

Covers goods carriers, taxis, and other business-use vehicles under a tailored policy.

Smart Coverage with Full Support

Why Motorists Trust Itus for Insurance

Icon Icon Hover
Top Insurer Options

Choose policies from India’s leading motor insurance companies.

Icon Icon Hover
Quick Online Purchase

Compare, select, and buy your vehicle policy in minutes with zero hassle.

Icon Icon Hover
Transparent Add-On Guidance

Know what you need and what you don’t—no hidden extras or vague terms.

Icon Icon Hover
Seamless Renewals

Renew existing policies digitally with reminders, document-free processing, and instant confirmation.

Icon Icon Hover
End-to-End Claim Support

Our team helps you through every step of the claim—no confusion, no delays.

Icon Icon Hover
Coverage for All Vehicle Types

Whether it’s a two-wheeler, personal car, or a commercial fleet—we’ve got you covered.

Just a Few Clicks

Steps to Get Your Motor Insurance Online

1. Enter Vehicle Details

Input your registration number, make, model, fuel type, and claim history.

2. Compare & Choose

View quotes, IDV, add-ons, and claim benefits to select the right motor policy.

3. Make Payment & Get Policy

Pay online securely and receive your e-policy instantly via email.

We Help You Drive Through the Claims Process

How to File a Motor Insurance Claim

01

Inform the Insurer Immediately

Notify the insurance company about the accident or theft as soon as it happens.

02

Submit Documents & FIR

Share required documents like claim form, registration certificate, and FIR copy (if needed).

03

Get Vehicle Inspected & Settled

An inspection is arranged, and the claim is processed for repair or settlement as per policy terms.

Know Before You Drive

Frequently Asked Questions About Motor Insurance

Yes, under the Motor Vehicles Act, it is compulsory to have at least a third-party liability cover before driving any vehicle on public roads. Failing to do so can lead to penalties, license suspension, or even legal action.

Comprehensive motor insurance includes third-party liability and own vehicle protection against theft, fire, natural disasters, accidents, and vandalism. You can also enhance it with add-ons like zero depreciation or engine protection.

Premiums depend on factors like vehicle type, make, model, age, location, IDV (Insured Declared Value), and claim history. Using a motor insurance premium calculator online can help you compare and choose the right plan.

NCB is a discount on your renewal premium if you haven’t made any claims in the previous policy year. It ranges from 20% to 50% and is transferable even if you change your insurer.

Yes, you can switch to a new insurer during policy renewal. It’s wise to compare coverage, premium, and claim process before porting. You retain your NCB benefits even when you move to a different insurer.

If your policy has lapsed, renew it immediately to avoid fines and protect your vehicle. Insurers may inspect your vehicle before issuing a renewed policy if there’s a long gap.

Engine damage is generally not covered in a basic policy unless caused by an accident. However, you can add Engine Protection Cover as an add-on to cover water damage or oil leakage issues.

Typically, you need the vehicle’s registration certificate (RC), previous policy (if renewing), and a valid ID. The online process is simple and paperless—just enter the details, pay, and download your policy instantly.

Zero Depreciation Cover, also known as bumper-to-bumper cover, ensures that you receive the full claim amount without any deduction for depreciation on parts. It’s especially useful for new or high-end vehicles and is available as an add-on with comprehensive policies.

Yes, you can transfer your motor insurance policy to the new owner of the vehicle. You’ll need to submit a request with the insurer along with the sale documents, vehicle registration transfer, and a NOC. The No Claim Bonus, however, remains with the original policyholder.

Follow Us

  • Powered By

Quick Links

Home About POSP Contact Us

Legal

Connect With Us

Email: cs@itus.co.in Call: +91 9390107451

ITUS INSURANCE BROKERS PRIVATE LIMITED, Valid Till date 22 / 10 / 2025,
Category - Direct Broker (General & Life Insurance), Principal officer name: Mr. M. N. Prasad, Contact No.: 91+ 9966078855, Email ID: po@itus.co.in

2025 All Rights Reserved - ITUS INSURANCE BROKERS PRIVATE LIMITED

POSP
Buy Here