Now insure your vehicle, in just a
few clicks.


Why buy Motor Insurance?

Vehicle insurance is a contract between you and the insurer to ensure financial protection against any loss or damage to motor vehicle in case of an accident or theft. It also covers third party liabilities arising out of bodily injury/ death or property damage.

Motor insurance plan is important as well as compulsory under the Motor Vehicles Act of India, 1988. Hence it is necessary to have valid insurance policy inclusive of the third-party insurance cover.

about thumb

Third Party Losses

It offers cover against the losses made to the third party by your vehicle, i.e. in case of an accident, the third-party insurance plan will provide coverage against all the losses incurred to the third party (in terms of bodily injury/ death or property damages) by your vehicle.


Damages and losses that may arise out of accidents and collisions would be covered under the Accident benefit.

testimonial thumb
about thumb

Vehicle Theft

Finding out that your car is stolen can be an absolute nightmare. But under this benefit the insurer will pay the vehicle’s Insured Value in case it is stolen

Vehicle Fire

Any loss incurred due to Fire resulting from self-ignition, explosion or lightning will be considered under the benefit of Fire.

testimonial thumb
about thumb

Calamity Cover

Natural and man-made calamities can wreak havoc. But Motor Vehicle Insurance cover’s damages caused to your car because of flood, storm, earthquake, etc.

Type of Insurance Plans

Standalone Third-Party Insurance

It offers cover against the losses made to the third party by your vehicle, i.e. in case of an accident, the third-party insurance plan will provide coverage against all the losses incurred to the third party (in terms of bodily injury/ death or property damages) by your vehicle.

Comprehensive Insurance Plan

A comprehensive car insurance policy provides coverage for third party liability as well as damages caused to your own car. It offers extensive coverage to the vehicle arising out of an accident, collision, theft, etc.

Key Add-Ons

Engine Protection Cover

Engine protection cover compensates the cost of fixing the indirect damage that are caused to the engine due to lubricating oil leakage and water ingression. It covers the Gear Box Parts, Engine Parts, and DifferentialParts.

Zero Depreciation Cover

With this feature, you will not have to pay for the depreciation value of your vehicle’s parts. It is mostly valid on private cars and is subjected to a specific number of claims during the policy period.

No Claim Bonus

For every claim free year, the insured is rewarded with a discount on the renewal premium. This discount is called - No Claim Bonus (NCB). It is cumulative and increases every year. It usually ranges from 20% to 50%.

Personal Accident

This rider provides the policyholder with defined amount in case of death or disability caused due to an accident as per the conditions specified in the policy. As per current Motor Vehicle Act, this is also compulsory.

Consumables Cover

This includes all the expenses incurred on consumable items for any perils . Consumable items include screws, nuts and bolts, washers, AC gas, grease, lubricants, bearings, clips, engine oil, distilled water, oil filter, brake oil, and fuel filter are mostly covered.

Get the SafeTree Advantage

Risk Janampatri

Safetree has developed a tool which prepares a Risk Janampatri which defines risk profile and aptitude of the customer.

Customized Plans

SafeTree has compared quotes from various reputed insurers and based on risk profile, type of vehicle, no claim bonus, a customized need-based solution is offered.

Smooth Claim Process

Dedicated team to support smooth claims process and provide complete assistance

Regular Updates

We will provide you support to further strengthen your protection on the changing nature of risk.


Get answers to the most frequently asked questions

An IDV is calculated on the basis of the manufacturer’s listed selling price of the brand and model, which will include local duties/taxes, excluding registration and insurance.

Zero DEP refers to Zero depreciation Cover in car insurance. It is an add-on cover that allows the policyholder to get compensation up to the insured declared value (IDV) or current market value of the car without taking depreciation into account. You need to pay an extra premium amount to avail benefits of zero DEP in your car insurance policy.

No, Insurance Act 1938 does not allow you to pay premium for the auto insurance in installments. If you buy online, you can use credit card to make the entire payment and then payback it to the credit card company in installments.

For buying a policy online no documentation is required whatsoever. However, it is advisable to keep the previous insurance policy and RC handy at the time of buying the policy so that all information can be updated correctly in the policy form.

No Claim Bonus can be transferred from one car to another if the policyholder is the same person. It can also be transferred from one insurance provider to another. However, you cannot transfer NCB from one policyholder to another even if the car is sold to someone else.

In case you change your job or city, your car insurance remains to stay valid without being affected. However, you need to get your personal details such as address changed in your policy document.

Roadside Assistance Cover provides you services in the event of breakdown of your vehicle. Just in case you get stranded in the middle of the road due to a car breakdown, you can fetch help with just one call at any time of the day or night. Roadside assistance cover includes towing service, repairs, changing flat tyres and emergency fuel re-filling etc.

Cashless claims help you to get your vehicle repaired without paying money at the network garages of the insurance provider. The insurance company will pay the claim amount directly to the garage.

Most car insurance add-ons are quite affordable. The price of each add-on is dependent on several factors like vehicle age, vehicle type, location etc. You could key in your details into our "Get a Quote" section and receive a quote for a policy along with the add-ons you wish to opt for.

Passengers other than the insured, including a paid driver and cleaner of the vehicle can be insured under this cover by paying an additional premium. This covers them against death or disability caused due to an unfortunate accident.

Talk to our experts

Get in touch with us