Padmajaya Life

PADMAJAYA LIFE

Motor Insurance

Your vehicle moves every day. Make sure your protection keeps up.

03 / MOTOR INSURANCE

Understand your motor insurance options.

Explore the details below, then speak with us about your circumstances, eligibility and policy terms.

Discuss motor insurance

Start with your needs

For vehicle owners considering a new policy or renewal.

  • Identify your vehicle type and whether this is a new policy or renewal.
  • Compare third-party liability and protection for damage to your own vehicle.
  • Check insured declared value, deductibles, exclusions and eligible add-ons.

Next: send a short enquiry to begin a discussion about your needs and the applicable insurer process. No documents are needed for this initial enquiry.

Discuss my vehicle insurance
Motor Insurance — the details

Motor insurance helps protect against specified risks relating to eligible vehicles. India also has statutory third-party motor insurance requirements applicable to vehicles using public roads.

Types of Motor Insurance

Depending on the vehicle and insurer, options can include third-party liability cover, own-damage cover, comprehensive policies and eligible add-on covers.

Third-party cover addresses specified liability to others. Own-damage cover addresses specified loss or damage to your vehicle. Comprehensive cover combines these areas, subject to terms; it does not cover every event. A deductible is the amount you bear on a claim. Insured declared value is the vehicle value used for specified total-loss or theft claims.

Tata AIG’s explanation of motor cover types

Don't Renew Automatically Without Checking

Before renewing, look at insured declared value where applicable, deductibles, no-claim bonus, add-on covers, claim history, policy exclusions, garage network and overall coverage. Saving a small amount on premium is not useful if you remove protection that matters to you.

Need a Motor Insurance Quote?

Start by telling us whether you need a new policy or renewal. Keep vehicle and existing policy details ready for a later discussion; do not upload documents with this initial enquiry.

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