Protect Your Vehicle Beyond Legal Requirements

Motor insurance helps protect against vehicle damage, theft, accidents, and third-party liabilities while ensuring compliance with legal requirements.

Whether you own a car or a two-wheeler, accidents and unexpected damage can result in significant repair costs.

The right motor insurance policy helps reduce those financial risks while providing access to cashless repairs and support services.

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Choose The Right Type Of Protection

Every motor insurance policy serves a different purpose. Start by selecting the type of protection that best matches your vehicle and driving requirements.

Most Recommended

Comprehensive Cover

  • Own Vehicle Damage
  • Third-Party Liability
  • Theft & Fire Protection
  • Natural Calamity Cover
Best For Most private vehicle owners.

Zero Depreciation

  • Higher Claim Value
  • Lower Depreciation Deduction
  • Better Repair Reimbursement
Best For Vehicles up to 5 years old.

Third-Party Cover

  • Legal Compliance
  • Third-Party Injury
  • Property Damage Liability
Best For Minimum legal requirement.

What Affects Your Premium?

Motor insurance premiums are calculated using multiple factors. Understanding these can help explain why two similar vehicles may receive different premium quotes.

Vehicle Type

Cars, SUVs, motorcycles, electric vehicles, and commercial vehicles each carry different risk profiles that influence premiums.

Vehicle Age

The age of your vehicle affects depreciation, repair costs, and eligibility for certain add-ons such as Zero Depreciation Cover.

Registration Location

Premiums may differ depending on where the vehicle is registered, reflecting local traffic conditions, theft rates, and repair costs.

Insured Declared Value (IDV)

The IDV represents the insured value of your vehicle and directly influences both premium calculations and claim settlements.

Claim History

A good claim record may help preserve your No Claim Bonus (NCB), while frequent claims can influence renewal premiums.

Add-On Benefits

Optional covers such as Zero Depreciation, Engine Protection, and Roadside Assistance increase overall protection and may affect premium costs.

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What Affects Your Premium?

Motor insurance premiums are calculated using several factors. Understanding them helps explain why similar vehicles can receive different premium quotes.

01

Vehicle Type

Cars, SUVs, motorcycles and commercial vehicles carry different risk profiles that influence premium calculations.

02

Vehicle Age

Older vehicles depreciate differently and may have different repair costs, affecting premium calculations.

03

Registration Location

Traffic density, theft rates and repair costs vary by city and registration zone.

04

Insured Declared Value (IDV)

The IDV determines your vehicle’s insured value and directly impacts both premium and claim settlement.

05

Claim History

A strong No Claim Bonus (NCB) can reduce renewal premiums, while frequent claims may increase costs.

06

Add-on Covers

Zero Depreciation, Engine Protection and other add-ons increase coverage and influence premium pricing.

What motor insurance protects

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Have questions? Book a callback or chat with an advisor on WhatsApp. We’re here whenever you need assistance.

Motor insurance guide before you buy

What Matters Most

Premium is only one part of choosing motor insurance. The quality of coverage, repair support, and claims experience often have a greater impact when you actually need to use your policy.

Insured Declared Value (IDV)

The IDV represents your vehicle’s insured value and directly affects both your premium and the maximum claim amount payable in case of total loss.

Cashless Garage Network

A wide cashless repair network makes claim settlement more convenient and reduces the need for upfront repair payments.

Claim Experience

Efficient claim processing, transparent communication, and timely approvals can make a significant difference after an accident.

No Claim Bonus (NCB)

Maintaining a claim-free record can earn renewal discounts, helping reduce premiums over time.

Frequently
Asked
Questions

UNC
Is third-party motor insurance enough? +
Third-party insurance satisfies the mandatory legal requirement in India by covering liabilities arising from injury or property damage to others. However, it does not cover damage to your own vehicle.
What is Comprehensive Motor Insurance? +
Comprehensive motor insurance combines third-party liability coverage with protection for your own vehicle against accidents, theft, fire, natural calamities, and other covered risks, depending on the policy.
What is Zero Depreciation Cover? +
Zero Depreciation Cover is an optional add-on that reduces depreciation deductions on eligible vehicle parts during claim settlement, helping increase the reimbursement amount.
Is Zero Depreciation suitable for older vehicles? +
Zero Depreciation Cover is generally more suitable for newer vehicles. Eligibility depends on the insurer’s policy terms and the age of the vehicle.
What is Insured Declared Value (IDV)? +
The Insured Declared Value (IDV) represents the current insured value of your vehicle and plays an important role in determining both your premium and the maximum claim amount for total loss or theft.
How is motor insurance premium calculated? +
Premiums depend on several factors, including vehicle type, age, registration location, IDV, claim history, No Claim Bonus (NCB), selected coverage, and optional add-ons.
What is No Claim Bonus (NCB)? +
No Claim Bonus is a renewal discount awarded to policyholders who complete a policy year without making a claim, subject to insurer guidelines.
What are cashless garage networks? +
Cashless garages are authorised repair centres where eligible claims can be settled directly between the insurer and the garage, reducing out-of-pocket expenses for the policyholder.
Which add-ons are commonly available? +
Common motor insurance add-ons include Zero Depreciation Cover, Engine Protection, Roadside Assistance, Return to Invoice, Consumables Cover, and Key Replacement, depending on the insurer.
Should I renew my policy before it expires? +
Yes. Renewing your policy before expiry helps maintain continuous coverage, preserves No Claim Bonus eligibility where applicable, and avoids gaps in protection.
Can I switch insurers during renewal? +
Yes. Vehicle owners can compare policies and switch insurers at renewal while retaining eligible benefits such as No Claim Bonus, subject to applicable rules and insurer requirements.
Can UNC Insurance help compare motor insurance policies? +
Yes. UNC Insurance advisors can help compare coverage options, explain IDV, add-on benefits, claim support, cashless garage networks, and assist you in selecting motor insurance that matches your vehicle and driving needs.

Customer Reviews

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I had a very smooth experience. Everything was explained clearly and patiently, which made it much easier to understand my options. I appreciated the transparency and the fact that there was never any pressure during the process.

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Rahul S.
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What stood out the most was the responsiveness and professionalism. Every question was answered in a simple manner, and the entire experience felt trustworthy from start to finish.

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Priya M.
★★★★★

I was looking for guidance rather than a sales pitch, and that is exactly what I received. The explanations were easy to understand and helped me make a more informed decision.

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Amit K.
★★★★★

Great service and clear communication. Everything was explained in a practical way, and I always felt supported whenever I needed assistance.

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