Vehicle Insurance - Two Wheeler & Four Wheeler - Bharat Online | Ravi Modanwal

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Vehicle Insurance Types

Choose the right insurance for your vehicle

Two Wheeler Insurance

Complete Protection for Your Bike/Scooter

Comprehensive two-wheeler insurance covering bikes, scooters, and mopeds with third-party liability and own damage protection.

Coverage Includes:

  • Third-party liability (mandatory by law)
  • Own damage cover from accidents
  • Theft and fire protection
  • Natural calamities coverage
  • Personal accident cover for owner-driver
  • Zero depreciation add-on available
  • Roadside assistance included
  • Cashless claim at network garages
Premium Starting From ₹538/year

*For 100cc bike with TP only

Four Wheeler Insurance

Complete Protection for Your Car

Comprehensive four-wheeler insurance for cars, SUVs, and MPVs with extensive coverage and add-ons for complete peace of mind.

Coverage Includes:

  • Third-party liability (mandatory)
  • Own damage comprehensive cover
  • Theft and fire protection
  • Natural disasters coverage
  • Personal accident cover (₹15 Lakhs)
  • Zero depreciation cover available
  • Engine protection add-on
  • Return to invoice cover
  • 24/7 roadside assistance
  • Cashless claim nationwide network
Premium Starting From ₹2,072/year

*For small car with TP only

Types of Vehicle Insurance Coverage

Understanding different insurance policy types

Third Party Insurance

Mandatory by law. Covers damage/injury caused to third party person or property. Does not cover own vehicle damage.

Comprehensive Insurance

Complete coverage including third-party + own damage + theft + fire + natural calamities. Most recommended option.

Standalone OD Insurance

Only own damage coverage without third-party liability. For those already having TP insurance or separate TP policy.

Popular Add-On Covers

Zero Depreciation

Get full claim amount without depreciation deduction on parts. Best for new vehicles under 5 years.

Engine Protection

Covers engine damage due to water ingress, oil leakage, or hydrostatic lock. Essential in monsoon areas.

Return to Invoice

Get full purchase price if vehicle is stolen or total loss. Covers depreciation gap completely.

Roadside Assistance

24/7 emergency support including towing, battery jumpstart, flat tire, fuel delivery, and breakdown help.

NCB Protection

Protect your No Claim Bonus even after making a claim. Maintains discount benefits for renewal.

Key Replacement

Covers cost of replacing lost or stolen vehicle keys including programming of smart keys.

Third Party vs Comprehensive Insurance

Detailed comparison to help you choose

Coverage Feature Third Party Only Comprehensive
Third Party Liability
Own Vehicle Damage
Theft & Fire Coverage
Natural Calamities
Man-Made Disasters
Personal Accident Cover
Add-On Covers Available
No Claim Bonus
Cashless Repair
Annual Premium (Approx) ₹538 - ₹2,072 ₹3,000 - ₹15,000
Recommended For Old vehicles, legal compliance New vehicles, complete protection

Insurance Claim Process

Simple 4-step process to file your claim

1
Report Incident

Inform insurer within 24-48 hours. Call helpline or use mobile app.

2
Submit Documents

Upload photos, FIR copy (if theft), repair estimates and bills.

3
Vehicle Survey

Surveyor inspects damage and approves repair at network garage.

4
Settlement

Cashless repair or reimbursement within 7-15 days of approval.

Documents Required for Claim

For Accident Claims:

  • ✓ Duly filled claim form
  • ✓ Original insurance policy copy
  • ✓ Vehicle RC book copy
  • ✓ Valid driving license copy
  • ✓ FIR copy (if third party involved)
  • ✓ Repair estimate/bills from garage
  • ✓ Photographs of damage

For Theft Claims:

  • ✓ Duly filled claim form
  • ✓ Original policy documents
  • ✓ Original RC book
  • ✓ FIR copy from police station
  • ✓ Non-traceable certificate from police
  • ✓ All original vehicle keys
  • ✓ Final police closure report

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Frequently Asked Questions

Common queries about vehicle insurance

Yes, third-party vehicle insurance is mandatory by law under the Motor Vehicles Act. Driving without valid insurance can result in fine up to ₹2,000 and/or imprisonment up to 3 months for first offense.

NCB is a discount on premium for not making any claims in previous policy year. It ranges from 20% to 50% based on claim-free years. NCB is vehicle-owner specific, not vehicle specific, so you can transfer it to new vehicle.

You lose NCB benefits after 90 days of expiry. Vehicle needs mandatory inspection before renewal if lapsed for more than 90 days. You'll also face legal penalty if caught driving with expired insurance.

Yes, insurance can be transferred to new owner with intimation to insurer within 14 days of ownership transfer. New owner needs to submit RC transfer documents and KYC. Alternatively, insurance can be cancelled and refund claimed.

IDV (Insured Declared Value) is the maximum amount you'll get in case of total loss or theft. It's the current market value of vehicle minus depreciation. Higher IDV means higher premium but better claim amount. You can choose IDV within +/- 10% range.

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