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Insurance
Pvt Motor Insurance
Protect your private car against covered accident, theft, and third-party risks.
Before you start
Car Insurance Eligibility and Document Guide
Check the basic rules and keep the required records ready before starting this service.
Important before you apply
Key points to consider for Pvt Motor Insurance
Check these points carefully before choosing an option or starting your application.
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9 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
Eligibility / Criteria
- Registered private motor vehicle/car or eligible new vehicle.
- Proposer/insured must have insurable interest / ownership or lawful interest accepted by insurer.
- Correct vehicle type and usage must be declared as private use.
- Vehicle registration/make/model/variant/chassis/engine details must match.
- For renewal:
- previous policy and NCB history are used.
- expired/break-in policy may require inspection/self-inspection.
- Third-party motor insurance is legally mandatory for vehicles used on public roads; comprehensive/own-damage is optional/additional subject to product.
- Premium/acceptance depends on vehicle age, location, IDV, claim history, NCB, coverage and add-ons.
24 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Purchase Documents / Data
- Vehicle Registration Certificate (RC).
- Vehicle make/model/variant.
- registration number.
- chassis number and engine number.
- vehicle invoice for new vehicle where required.
- previous policy, if renewal.
- NCB details/declaration, if claimed.
- PAN / Aadhaar / other KYC identity/address proof as required.
- valid driving-licence details where insurer journey asks.
- contact details.
- financier/hypothecation details if financed.
- PUC details where required/applicable.
- photographs/inspection if break-in or insurer requests.
Claim Documents - Common
- Claim form.
- policy details.
- RC.
- valid driving licence of driver at time of loss.
- photos/videos of damage.
- repair estimate/invoices/payment receipts.
- FIR for theft, major/third-party cases where required.
- no-trace report for theft.
- original keys / RTO transfer forms for total theft as required.
- financier NOC where applicable.
- bank/NEFT details for reimbursement.
Buy car insurance in three steps
Follow these three simple steps.
- 1Check the coverReview what car insurance covers, does not cover, and when the cover starts.
- 2Share correct detailsEnter the requested personal, health, vehicle, home, or risk information correctly.
- 3Buy and keep the policyPay only after checking the policy terms and keep the issued policy safely.
More insurance services
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Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.