IRDAI Certified Coverage

Drive with Complete
Peace of Mind

Comprehensive motor insurance for cars and bikes starting at ₹499/year — instant policy, zero-depreciation cover, and 24/7 roadside assistance across India.

Car & Bike Coverage Instant Policy Issuance Plans from ₹499/yr 24/7 Roadside Assist

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5,000+ Vehicles Insured Trusted by VCULP clients across India

Instant Policy

Issued in 2 mins

Motor Insurance

Car & Bike Protection Plans

IDV Coverage Up to ₹10 Lakh

Own Damage Cover

Repairs from accidents, fire, theft & floods

Third Party Liability

Legal coverage for third-party damage/injury

Zero Depreciation

Full part replacement without deduction

Roadside Assistance

24/7 towing, fuel, flat tyre support

2 Min Renewal

Quick online process

Why Motor Insurance?

Stay Protected on Every Road, Every Day

Motor insurance is not just legally mandatory — it protects you from accidents, theft, natural disasters, and third-party liabilities that can cost lakhs without coverage.

Legally Mandatory

Third-party insurance is compulsory by law in India. Driving without it can lead to heavy fines and legal consequences.

Accident Protection

Repair costs after an accident can run into lakhs. Motor insurance covers your vehicle damage and keeps your savings intact.

Theft & Natural Damage

Covers your vehicle against theft, fire, floods, earthquakes, and other natural calamities that can cause total loss.

Third-Party Liability

If you accidentally damage someone's property or injure a person, third-party coverage handles all legal & financial liabilities.

What's Covered?

Comprehensive Cover for Every Situation on Road

From minor scratches to total vehicle loss — our motor insurance covers all major risks so you never face an unexpected financial burden.

Accidental Damage

Repair costs for vehicle damage due to collision, overturning, or any road accident.

Fire, Theft & Calamities

Coverage against fire damage, vehicle theft, floods, earthquake, and storm damage.

Roadside Assistance

24/7 emergency support — towing, flat tyre change, fuel delivery, and key lockout.

Plan Highlights

Included Benefits

Active Coverage

Own Damage Cover

Covers repair or replacement of your own vehicle after an accident.

Third Party Liability

Legal & financial protection if your vehicle causes harm to others.

Zero Depreciation Add-on

Full claim without depreciation deduction on parts replacement.

Easy Online Renewal

Renew your existing motor policy in under 2 minutes online.

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Our Plans

Plans for Every Vehicle & Budget

Whether you own a car, bike, or commercial vehicle — we have the right motor insurance plan with the best coverage and affordable premiums.

Legally Required

Third Party Plan

Mandatory coverage that protects you against legal liabilities arising from injuries or damage caused to a third party.

Starting from

₹499/year

Third-party injury cover

Property damage liability

Legal compliance assured

Instant digital policy

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Best Value

Recommended for Car Owners

Comprehensive Plan

Complete protection — covers your vehicle damage, third-party liability, theft, fire, and natural calamities under one plan.

Starting from

₹2,999/year

Own damage + third party

Theft & fire coverage

Natural calamity protection

Zero depreciation add-on

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For Two-Wheeler Owners

Bike Insurance

Affordable two-wheeler insurance with all-round protection — covering accident damage, theft, liability, and personal accident cover.

Starting from

₹699/year

Two-wheeler specific plan

Personal accident cover

Theft & damage included

Quick 2-minute renewal

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How Claim Process Works

Simple Steps for a Fast Motor Claim

From accident reporting to repair settlement — our simple 4-step process ensures your claim is handled quickly with zero hassle.

Report the Incident

Notify the insurer immediately after an accident or theft. File an FIR if required and inform your VCULP advisor.

Take to Network Garage

Drive or tow your vehicle to an authorised network garage for cashless repairs — no upfront payment needed.

Submit Documents

Provide your policy copy, RC, driving licence, FIR copy (if applicable), and repair estimate to the garage or insurer.

Repair & Settlement

After surveyor approval, repairs begin and bills are directly settled with the garage. Reimbursement within 7 working days.

Start Your Claim Get Claim Assistance

Drive with Complete Peace of Mind

Stay Protected on Every Road, Every Day

Legally Mandatory

Accident Protection

Theft & Natural Damage

Third-Party Liability

Comprehensive Cover for Every Situation on Road

Accidental Damage

Fire, Theft & Calamities

Roadside Assistance

Included Benefits

Plans for Every Vehicle & Budget

Third Party Plan

Comprehensive Plan

Bike Insurance

Simple Steps for a Fast Motor Claim

Report the Incident

Take to Network Garage

Submit Documents

Repair & Settlement

Drive with Complete
Peace of Mind