Four-Wheeler Insurance

Four-Wheeler Insurance is a type of insurance policy that provides financial protection to owners of cars, trucks and other four-wheeled vehicles against the risks associated with owning and operating these vehicles.

Policy Type


  • Personal Accident to driver and passengers
  • Damage to own property
  • Damage due to Fire and Lightning/self-ignition
  • Damage due to Natural Calamities
  • Theft or Burglary
  • Damage due to Riot Strikes, Malicious Acts & Terrorism
  • Third-party coverage
Policy Type

Third Party

  • Death or bodily injury to Third-party
  • Damage to property of Third-party

Why you should have a car insurance

Legal Requirement

Having a basic liability insurance is a legal requirement for operating a motor vehicle on public roads. Failure to have insurance can result in fines, penalties and even legal consequences.

Financial Protection

Car accidents can result in significant financial losses, including vehicle repairs, medical expenses, property damage and legal liabilities. Insurance helps protect you from these unexpected costs by providing financial coverage in case of an accident.

Third Party Liability Coverage

It also covers the costs associated with damage or injuries one might cause to others while operating the vehicle. It can cover medical expenses, property damage, and legal fees if found responsible for an accident.

Comprehensive Coverage

It also covers damages to the vehicle due to non-collision incidents such as thefts, vandalism, natural disasters and more.

Peace of Mind

Insurance provides peace of mind knowing that you're financially protected in case of accidents, theft, or other unforeseen events. This can reduce stress and worry associated with driving.

  • Intentional Damage
  • Driving Without a Valid License
  • Commercial Use
  • Damage to Personal Belongings inside vehicle

General Exclusions

  • Racing or Reckless Driving
  • Driving Under the Influence
  • Wear and Tear
  • War and War like situations

Factors affecting Four-Wheeler Premium

    • Make year and Model
    • Year of Registration
    • Coverage and Policy Type
    • Engine Capacity (CC)
    • Excess on Damage (EOD)
    • No-claim Discount (NCD)
    • Modifications done to the vehicle

Claim Process

Register your claim with Us

In case of an accident or theft of your Four-Wheeler, inform us about the incident as soon as possible.

Provide all the required documents

There are certain documents required for the claim process which will be informed to you by our claim department.

Relax, we will take it from here

Once we receive all the documents, you can relax and wait to receive your cheque