🚗 Motor Insurance

Drive with Complete Peace of Mind

Your vehicle is more than just a mode of transportation—it's an investment that deserves protection. Motor insurance is not only legally mandatory in India but also essential for safeguarding yourself against financial losses from accidents, theft, and damages. Whether you own a two-wheeler or a four-wheeler, Saral offers comprehensive motor insurance solutions tailored to your needs.

Our motor insurance policies provide coverage for vehicle damage, third-party liabilities, personal accident, and much more. With cashless claim settlement at thousands of network garages and 24/7 roadside assistance, we ensure you're never stranded on the road.

Key Features & Benefits

• Cashless repairs at 5,000+ network garages
• 24/7 roadside assistance nationwide
• No claim bonus (NCB) up to 50%
• Personal accident cover for owner-driver
• Quick claim settlement process
• Instant policy issuance online
• Flexible add-on coverage options
• Zero depreciation cover available
• Engine and gearbox protection
• Coverage for natural and man-made calamities

Types of Motor Insurance

Comprehensive vs Third-Party Insurance

Comprehensive Insurance (Recommended)

Provides complete protection for your vehicle and third parties:

• Own damage coverage (accidents, fire, theft, natural disasters)
• Third-party liability (death, injury, property damage)
• Personal accident cover for owner-driver (₹15 lakhs)
• Eligibility for add-on covers
• No claim bonus benefits
• Cashless repair facility

Third-Party Insurance (Mandatory)

Basic coverage as required by law:

• Third-party death and injury (unlimited coverage)
• Third-party property damage (up to ₹7.5 lakhs)
• Personal accident cover for owner-driver (₹15 lakhs)
• No coverage for own vehicle damage
• Lower premium compared to comprehensive

What's Covered?

Own Damage Coverage (Comprehensive):

• Accidental damage to your vehicle
• Fire, explosion, and self-ignition
• Theft and burglary
• Natural calamities (flood, earthquake, storm, cyclone)
• Man-made perils (riots, strikes, malicious acts)
• Damage during transit by road, rail, or inland waterway
• Terrorist activities

Third-Party Liability:

• Death or bodily injury to third parties (unlimited)
• Property damage to third parties (up to ₹7.5 lakhs)
• Legal liability arising from accidents

Personal Accident Cover:

• Accidental death (₹15 lakhs)
• Permanent total disability (₹15 lakhs)
• Permanent partial disability (proportionate)
• Temporary total disability (weekly compensation)

Add-On Coverage Options

• Zero Depreciation Cover: Full claim amount without depreciation deduction
• Engine Protection: Coverage for engine and gearbox damage from water ingress
• Return to Invoice: Full invoice value in case of total loss or theft
• Roadside Assistance: 24/7 emergency services including towing and fuel delivery
• NCB Protection: Retain no claim bonus even after making a claim
• Consumables Cover: Coverage for nuts, bolts, oils, and other consumables
• Key Replacement: Cost of replacing lost or damaged car keys
• Tyre Protection: Coverage for tyre and rim damage
• Passenger Cover: Personal accident cover for passengers
• Daily Allowance: Compensation during vehicle repair period

No Claim Bonus (NCB)

Earn discounts for claim-free years:

• 1st year: 20% discount on own damage premium
• 2nd year: 25% discount
• 3rd year: 35% discount
• 4th year: 45% discount
• 5th year onwards: 50% discount

Note: NCB is linked to the policyholder, not the vehicle, and can be transferred to a new vehicle.

Who Should Buy Motor Insurance?

• All vehicle owners (legally mandatory)
• New vehicle buyers
• Existing policyholders due for renewal
• Owners of high-value vehicles (comprehensive recommended)
• Frequent long-distance travelers
• Vehicles parked in high-risk areas
• Commercial vehicle operators
• Electric vehicle owners

Why Choose Saral for Motor Insurance?

• Instant online policy issuance
• Competitive premiums from top insurers
• Easy comparison of multiple quotes
• Cashless repairs at 5,000+ garages
• 24/7 claim support and assistance
• Quick claim settlement (within 7 days)
• Hassle-free renewal with NCB transfer
• Expert guidance on coverage selection
• Transparent terms with no hidden charges
• Dedicated relationship manager

Claim Process

Cashless Claim (Network Garage):

• Step 1: Inform us immediately after accident
• Step 2: Take vehicle to nearest network garage
• Step 3: Garage will coordinate with insurance company
• Step 4: Surveyor will assess damage
• Step 5: Approval granted for repairs
• Step 6: Collect repaired vehicle (pay only deductible)

Reimbursement Claim (Non-Network Garage):

• Step 1: Inform us within 24 hours of accident
• Step 2: Get vehicle repaired at any garage
• Step 3: Collect all bills and payment receipts
• Step 4: Submit claim form with documents
• Step 5: Surveyor will verify repairs and bills
• Step 6: Reimbursement to your bank account

Documents Required for Claims

• Duly filled claim form
• Copy of insurance policy
• Driving license (valid)
• Vehicle registration certificate (RC)
• FIR copy (for theft or third-party claims)
• Repair bills and payment receipts
• Photographs of damaged vehicle
• Survey report

Important Points to Remember

• Renew policy before expiry to avoid NCB loss
• Declare all modifications to the vehicle
• Maintain valid driving license and RC
• Inform insurer about change of address or ownership
• Don't drive under influence of alcohol or drugs
• Report accidents to police if required
• Keep policy documents in vehicle always
• Review coverage annually and add necessary riders