Motor Insurance Assistance
Insurance assistance for cars, two-wheelers and commercial vehicles — so you understand what your policy actually covers before you need it.
Cover that matches how you actually use the vehicle
Motor insurance is where most people discover the difference between what they assumed and what the policy says. CoverBima’s role is to close that gap: explaining the sections, the deductions, the conditions on add-ons, and the practical steps if you need to claim.
You can talk to us whether you are buying for the first time, renewing, switching insurers, adding a vehicle to a fleet, or trying to understand a claim decision you have received.
Fast facts
- Private car, two-wheeler and commercial vehicle assistance
- Policy review before renewal, at no charge for individuals
- Motor claim steps, documents and surveyor interaction explained
- Add-on and NCB implications discussed in clear terms
Vehicles We Assist With
Share the vehicle type and how it is used, and a consultant will talk you through suitable structures.
Private Car
Own-damage and third-party cover for your personal car — with the deductibles, add-ons and NCB position explained.
Two-Wheeler
Statutory and comprehensive cover for bikes and scooters, including what is usually excluded.
Commercial Vehicle
Goods carriers, passenger vehicles and fleets, aligned with permits, fitness and usage.
What to check in a motor policy
- IDV (Insured Declared Value) against the current market value of the vehicle
- Compulsory deductible, and whether a voluntary deductible is being applied
- Own-damage vs third-party-only sections, and what each actually pays
- No Claim Bonus percentage and whether a claim would affect it
- Add-ons such as zero depreciation, engine protect or roadside assistance
- Whether a break in cover has made an inspection necessary
- Driver details, vehicle usage and the region where the vehicle is registered
- Exclusions - particularly around drunk driving, unlicensed drivers and unauthorised use
Types of motor cover, in one line each
| Type | What it covers | Usually chosen by |
|---|---|---|
| Third-party only | Legal liability for injury, death or property damage caused to a third party | Older vehicles, minimum statutory compliance |
| Comprehensive | Third-party liability plus own damage to the vehicle, with optional add-ons | Most private vehicles |
| Own damage only | Damage to the vehicle, where third-party liability is covered elsewhere | Specific fleet arrangements |
| Commercial / fleet | Multiple vehicles under one policy, aligned to permits and usage | Businesses with several vehicles |
Motor claim steps, briefly
Inform the insurer promptly
Use the claim helpline, app or your consultant. For theft, a police complaint is required.
Document the damage
Photographs, the location and the circumstances, if it can be done safely.
Wait for the surveyor where required
Unless it is an emergency or a very minor claim, avoid starting repairs before intimation.
Repair, then settle
Network garages allow cashless repair; non-network garages are reimbursed as per the surveyor’s assessment.
Motor Insurance FAQs
Common questions we are asked about vehicle cover.
Talk to Us About Your Vehicle
Motor insurance, explained properly.
Share your vehicle details and how you use it. A consultant will explain the coverage considerations that apply to your situation.
Straight Answers.