Motor Insurance

Protect Every Journey With Confidence

Get reliable motor insurance guidance for your car, bike, and commercial vehicles with coverage built around real-life risks.

Introduction Section

Smart Protection For Every Vehicle Owner

Motor insurance protects you financially against accidents, theft, third-party liability, natural disasters, and unexpected repair costs. At Times Care, we help you choose the right cover so your vehicle stays protected and your legal obligations stay in place.

Whether you need a new policy, renewal support, add-ons, or claim assistance, our team makes the process simpler, clearer, and more dependable.

Instant Guidance Policy comparison, renewal help, and add-on selection in one place.
Claim Support Step-by-step support during claim filing and documentation.
Flexible Covers Solutions for private vehicles, two-wheelers, and commercial usage.
Coverage Types

Types Of Motor Insurance

Choose between primary coverage types based on your protection needs, budget, and legal requirements.

Comprehensive Insurance

Comprehensive Insurance

  • Covers own vehicle damage
  • Includes third-party liability
  • Protection against theft and fire
  • Covers natural disasters
Full Coverage
Third-Party Insurance

Third-Party Insurance

  • Mandatory by law in India
  • Covers damage or injury to third party
  • Budget-friendly option
  • Legally compliant cover
Mandatory
Own Damage Cover

Own Damage Cover

  • Covers repair cost for your vehicle
  • Useful with separate third-party policy
  • Supports accidental damage claims
  • Can be enhanced with add-ons
Vehicle Damage
Commercial Vehicle Insurance

Commercial Vehicle Insurance

  • Designed for business-use vehicles
  • Protects against road and liability risks
  • Suitable for fleets and transport vehicles
  • Supports business continuity
Business Use
What's Covered

Protection That Works For You

  • Accidental damage to your insured vehicle
  • Third-party injury, death, or property damage
  • Loss due to theft, burglary, or total loss
  • Damage caused by fire, explosion, or lightning
  • Natural calamities such as flood, cyclone, and earthquake
  • Optional add-ons like zero depreciation and roadside assistance
What's Not Covered

Common Exclusions

  • Normal wear and tear or mechanical breakdown
  • Driving without a valid driving licence
  • Driving under the influence of alcohol or drugs
  • Damage outside the policy terms or excluded usage
  • Consequential loss due to delay after an incident
  • Claims arising from illegal or reckless activities
Enhance Your Protection

Add-Ons That Make Coverage Stronger

Zero Depreciation Cover

Reduce out-of-pocket expenses on replaced vehicle parts during approved claims.

Roadside Assistance

Get support for towing, breakdowns, battery issues, flat tyres, and emergency help.

Engine Protection

Helpful for safeguarding costly engine components from water ingress and related damage.

NCB Protection

Preserve your no-claim bonus even after a claim, depending on policy conditions.

Claim Process

How To File A Claim

A clear and timely claim process helps reduce stress after an incident. Here is how we help clients move forward.

1

Inform Claim

Notify Times Care immediately after the incident.

2

Inspection

Surveyor visits for physical damage assessment.

3

Submit Docs

We assist in collecting and submitting all documents.

4

Repair / Approval

Cashless repair at network garage or reimbursement.

5

Settlement

Claim amount settled within stipulated timelines.

Why Choose Times Care

Reliable Support Beyond Just Policy Purchase

Tailored Advice

We compare policy structures and help you choose coverage based on usage, risk, and budget.

Claims Assistance

Our team helps with documentation, coordination, and next steps during difficult claim situations.

Fast Renewal Support

Renew your policy on time with better clarity on benefits, add-ons, and premium impact.

Trusted Service

We build long-term client confidence through responsive communication and dependable follow-up.

Have Any Questions?

Get quick answers to common motor insurance queries around legal cover, claim timelines, coverage types, and renewal support.

Contact us
Is motor insurance mandatory in India?

Yes. At minimum, third-party motor insurance is legally required for vehicles used on public roads in India.

What is the difference between comprehensive and third-party insurance?

Third-party insurance covers legal liability toward others, while comprehensive insurance also covers damage to your own vehicle.

Can I transfer my no-claim bonus when I change insurers?

In many cases, yes. The no-claim bonus is usually linked to the policyholder and can be transferred subject to insurer rules and timing.

How long does claim settlement take?

It depends on claim type, documentation, survey completion, and insurer processing timelines, but timely reporting helps speed things up.

Drive With Better Protection And Better Support

Speak with Times Care to compare motor insurance options, add-ons, and renewal strategies that fit your vehicle and your budget.