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Overview
Overview Car Insurance Two Wheeler Insurance

Motor Insurance

You love your vehicle as more than just a mode of transport - so why not give it the care it deserves? While getting insurance is compulsory, There are various choices available and we are here to help you make the right one.

At Tata Capital, we understand your motor needs and offer Motor Insurance policies that provide the added protection for the vehicle you love. Motor Insurance Policies includes Private Car Insurance and Two-Wheeler Insurance, to give you the all-round protection. At Tata Capital, we don’t just insure, we protect!

Disclaimer: Tata Capital Financial Services Limited (“TCFSL”) bearing License no. CA0076 valid till 31st Mar 2025, acts as a composite Corporate Agent for TATA AIA Life Insurance Company Limited, HDFC Life Insurance Company Limited, TATA AIG General Insurance Company Limited, IFFCO Tokio General Insurance Company Limited and Star Health and Allied Insurance Co Ltd. The Registered office of TCFSL is 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400 013, India. Please note that, TCFSL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms & conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary. 

What is Motor Insurance?

Motor Insurance is a type of insurance cover which protects your vehicles from any kind of potential risk arising. The cars or two wheelers policyholder gets financial security against damages arising out of accidents and other threats. In exchange for the premium, the insurance company promises to offer financial assistance in case of a list of events mentioned in the terms and conditions of the policy.

Why should one buy motor insurance?

You should buy car insurance in India to ensure you do not face a financial loss in case of an unfortunate circumstance such as a car accident, natural calamity, etc. Also, buying car insurance in India is compulsory. Failing to do so will amount to penalties. Going by the number of vehicles on the road and the rate of accidents, it is imperative to make the right choice when it comes to purchasing car insurance coverage.

Types of Motor Insurance

Types of Motor Insurance

  • Do you remember the feeling of happiness when you bought your first car? Let’s keep that smile intact for all your four- wheeler endeavours. A car insurance helps protect against loss arising due to accident, theft or natural calamity. It also helps protect against third party property damage, personal injuries or death.

Types of Motor Insurance

  • Your need for speed maybe big or small; but your bike protection policy must always be extensive. Two-wheeler insurance, also referred as bike insurance or motorcycle insurance, helps protect against loss due to accident, theft or natural calamity. Now speed away responsibly and stress free.

Types of Motor Insurance coverages

Types of Motor Insurance coverages

  • Third Party Coverage

    Insurance partners cover the policyholder. It is compulsory to avail a third-party coverage for car or two wheelers under the Motor Vehicles Act, 2019.

Types of Motor Insurance coverages

  • Own Damage Coverage

    It is an essential type of coverage. This type of coverage is optional

Types of Motor Insurance coverages

  • Comprehensive Coverage

    It is an all-inclusive coverage that provides you with both the above-mentioned coverages. Apart from this, there are additional add on coverage which include roadside assistance, zero depreciation cover and others.

How to get claims in car insurance

Here’s how the claim process works in car insurance.

Third-party Claims

Here, the third-party will have to file a claim against the policyholder by registering a First Information Report. A case will be lodged and heard in the Motor Claims Tribunal and settled accordingly.

Own Damage Claims

For damages to the insured car, the policyholder will have to contact the insurance company and apply for a claim. Usually, this can be done via call, mobile application or website. Once the claim request is accepted, the insurance company will assign a surveyor and the claim will be settled as per the surveyor’s report.

Why choose TATA Capital

  • To be based on trusted brand of TATA.

  • Have tie ups with renowned partners in the insurance industry

How to apply

It is a very simple process 

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