Motor Insurance
Private, commercial and fleet motor cover across India.
Understanding Motor Insurance.
From personal cars to commercial vehicle fleets, our motor programs combine the right balance of Own Damage and Third Party cover, IDV optimisation, add-ons and expert-led claim assistance.
Motor is the most frequently used insurance line in the country — network garages and surveyor quality drive real outcomes.
What's actually inside this cover.
- Private car, two-wheeler and CV
- Fleet motor programs
- Zero-dep, RTI, engine and consumables
- Roadside assistance
- Own damage to insured vehicle
- Third-party legal liability
- Personal accident for owner-driver
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Cashless repair after a city accident; OD claim settled via authorised garage.
Engine seizure after waterlogging; engine protect add-on responds.
Third-party claim filed against insured driver; TP cover and legal defence responds.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Have these ready and we can move the same day.
A short list either way. For a renewal, the claim confirmation matters — it decides whether your no-claim bonus carries over.
- Proforma invoice
- RTO office
- Existing policy
- RC copy
- Confirmation about any existing claim
Send them across on WhatsApp or email and we will come back with options. If something on the list does not apply to you, tell us and we will work around it.
Is your Motor Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
More in Motor & Vehicle.
Comprehensive cover for bikes, scooters and superbikes.
Specialised cover for electric cars and 2-wheelers — including battery, charger and wall-box.
Goods carriers, passenger vehicles and declared fleets.
Manufacturer-style warranty extension for vehicles and consumer durables.