Motor insurance is your safety net for the open road. It’s a legal must-have if you own a car, bike, or any motor vehicle in India. Simply put, it covers you financially if things go sideways-think accidents, theft, or damage.
There are three main types: Third-Party (covers others), Fire & Theft (adds protection for your vehicle against, well, fire and theft), and Comprehensive (the ultimate package). You’ll get perks like windscreen repair and legal cover, depending on your policy. It’s not just about ticking boxes—it’s about protecting yourself, your wheels, and your wallet.
You want your claims processed quickly and efficiently, right? We hold a solid claim settlement ratio to ensure your hard-earned money is safe.
No more scrambling for cash! Get repairs done at our network garages without burning a hole in your pocket.
Accidents don’t follow a schedule. With round-the-clock assistance, we’re here whenever you need us.
Quality coverage doesn’t have to cost a fortune. Choose plans that suit your budget without compromising benefits.
Knowing you’re financially protected lets you drive stress-free. It’s priceless, isn’t it?
Why Beema Company for your two-wheeler or car insurance? Because they’ve cracked the code to hassle-free protection! With lightning-fast claim settlements, you’ll never be left waiting. Their add-ons are like superpowers for your policy—zero depreciation, roadside assistance, you name it! Beema gives you maximum value without burning a hole in your pocket. Their customer service is so good that you’ll feel like royalty.
"Ride worry-free, Beema’s got thee!" Whether it’s your daily commute or a road trip, whether you drive a shiny new car or a trusty old bike, Beema has your back every mile. Choose Beema for a smoother, more brilliant insurance experience. Trust me, your ride deserves the best!
When it comes to motor insurance, you've got options galore. Each type of policy has its unique perks and quirks, so picking the right one depends on your needs (and your car’s/bike’s, of course!). Let me break it down for you.
Mandatory by law, this covers damages or injuries caused to others by your vehicle. However, it doesn’t cover your car’s repairs. It’s the cheapest option, helping you avoid fines and legal trouble, but it offers minimal protection.
This all-in-one policy covers both third-party liabilities and damage to your own vehicle due to accidents, theft, fire, or natural disasters. You can enhance it with add-ons like zero depreciation, engine protection, and roadside assistance for complete peace of mind.
A convenient option for new vehicles, this combines long-term third-party coverage (three years for cars, five years for bikes) with annually renewable own-damage cover. It simplifies renewals while keeping you compliant.
Ideal for low-mileage users, this plan calculates your premium based on how much you drive, tracked via GPS or odometer readings. If you drive less, you pay less—perfect for those who use public transport frequently.
If you already have a third-party policy but need protection for your own vehicle, this is the ideal add-on. It offers coverage against accidents, theft, and natural disasters without affecting your existing third-party plan.
Motor insurance isn’t just a legal formality; it’s your ride-or-die protection. Here are a few reasons why it’s essential for you
Driving without at least third-party insurance in India can lead to hefty fines or even imprisonment. Stay insured to avoid legal trouble.
If you damage someone’s vehicle or injure a pedestrian, insurance covers the costs, saving you from financial stress.
Accidents can be expensive. Insurance covers repairs, medical bills, and damages, so you don’t have to pay out of pocket.
Whether it’s an accident, theft, or a natural disaster, motor insurance ensures you’re financially secure.
Choosing the right motor insurance plan can be tricky, but don’t worry-it’s pretty simple! Here are five things to keep in mind.
Drive safely and enjoy lower premiums for every claim-free year.
Extras like zero depreciation, roadside assistance, and engine protection can save you big money during claims.
A wider garage network means hassle-free repairs. Ensure your preferred garage is covered.
Don’t just pick the cheapest policy; ensure it provides adequate protection.
Higher deductibles lower premiums but increase out-of-pocket costs during claims.
Let’s discuss riders—those magical little add-ons that supercharge your motor insurance. Think of them as power-ups for your policy. They cost a bit extra but save you big when things go sideways. Here’s the lowdown on the top riders in India that you must consider.
Without this add-on, insurers deduct depreciation costs during claims, meaning you pay out of pocket for parts like bumpers, tyres, and metal panels. With this add-on, you get the full replacement cost with zero depreciation and no hidden expenses, ideal for new cars.
Standard policies don’t cover engine damage from waterlogging, oil leakage, or mechanical failure. This rider ensures your engine repairs are covered, making it essential for those in monsoon-prone regions.
Have you lost your car or bike keys? This rider covers replacement costs, including reprogramming the locking system. It’s perfect if you frequently misplace keys.
A standard policy pays only its depreciated value if your car is stolen or totalled. RTI covers and reimburses the full invoice price, including road tax and registration costs, which are ideal for new or high-end vehicles.
Are you stranded due to a flat tyre or dead battery? This add-on provides towing, minor repairs, and even fuel delivery, ensuring you’re never stuck—great for long drives and emergencies.
These riders turn your basic policy into a supercharged shield. So, pick the ones that suit your needs and upgrade your motor insurance.
When it comes to health insurance, making a claim is straightforward. There are two ways to get your expenses covered—cashless and reimbursement. Let me break it down for you.
Claiming motor insurance might sound like a headache, but trust me, it’s easier than you think. Let me break down the claim process for you. Whether it’s a cashless claim, reimbursement claim, or self-inspection, it’s a piece of cake
This is a hassle-free option, as you don’t have to pay upfront.
If you prefer a non-network garage or have already paid for the repairs, this is your go-to. Here’s how:
First, inform your insurer immediately after the incident.
Get your vehicle repaired, and keep all the bills and receipts with you.
Submit a claim form along with the required documents to your insurer.
Once verified, the insurer reimburses the approved amount.
It takes more effort, but you can choose any garage you like. Just remember, accurate paperwork is key!
Now, you are allowed to inspect minor damages yourself. How cool is that? Instead of waiting for a surveyor, you can upload photos or videos of the damage via your insurer’s mobile app or portal. The insurer assesses the damage and approves your claim digitally. This is quick, easy, and perfect for tech-savvy people like you. It saves time and gets you back on the road faster.
Here are some common reasons due to which health insurance claims get rejected:
Motor insurance provides financial protection against loss or damage to your vehicle due to accidents, theft, fire, natural calamities, or third-party liabilities.
Yes. As per the Motor Vehicles Act, it is mandatory to have at least a Third-Party Liability Insurance for every vehicle on Indian roads.
Third-Party Insurance: Covers damage to others' property or injury to others.
Comprehensive Insurance: Covers both third-party liabilities and own damage (accidents, theft, natural disasters, etc.).
Standalone Own Damage Insurance: Covers your vehicle’s own damage, available only if you already have a third-party policy.
Yes. You can add add-on covers like:
