Motor Insurance
Drive with confidence — the right cover for your car and two-wheeler
Motor insurance is mandatory by law in India, but most people renew it without a second thought — often overpaying or under-insuring their vehicle. The right motor insurance policy protects you from financial loss due to accidents, theft, natural disasters, and third-party liabilities. At CashRich Surojit, we help you understand what you are buying, choose the right IDV, and ensure you are not left stranded when you need to make a claim.
Key Benefits
Comprehensive Car Insurance
All-round protection for your car — own damage, third-party liability, theft, fire, and natural calamities. The most complete cover available.
Third-Party Liability
Mandatory by law. Covers legal liability for injury, death, or property damage caused to a third party. Essential minimum coverage.
Two-Wheeler Insurance
Comprehensive or third-party cover for motorcycles and scooters. Includes personal accident cover for the owner-driver.
Zero Depreciation Cover
Ensures full claim settlement without deducting depreciation on parts. Highly recommended for new vehicles up to 5 years old.
No Claim Bonus (NCB)
Earn up to 50% discount on your premium for every claim-free year. We help you protect and transfer your NCB correctly.
Commercial Vehicle Insurance
Mandatory cover for goods carriers (trucks, tempos), passenger vehicles (buses, taxis, autos), and other commercial vehicles. Protects your business assets and meets legal requirements for vehicles used in trade or transport.
Add-On Covers
Engine protection, roadside assistance, key replacement, consumables cover, and more. We help you choose add-ons that genuinely add value.
Why Choose CashRich Surojit?
- We compare premiums and coverage across 15+ motor insurers
- IDV optimisation — we help you set the right Insured Declared Value
- Guidance on which add-ons are worth buying and which are not
- Claim support — we assist you through the entire claim process
- NCB protection advice to safeguard your discount
- Timely renewal reminders so your policy never lapses
Frequently Asked Questions
What is IDV and why does it matter?
IDV (Insured Declared Value) is the maximum amount your insurer will pay in case of total loss or theft. A higher IDV means a higher premium but better compensation. We help you set the right IDV — not too low, not unnecessarily high.
Is zero depreciation cover worth it?
For vehicles up to 5 years old, zero depreciation cover is almost always worth the additional premium. It ensures you receive the full cost of parts replaced during a claim, without any depreciation deduction.
What happens if I drive without insurance?
Driving without at least third-party insurance is a criminal offence in India, punishable by a fine of ₹2,000 and/or imprisonment. More importantly, you bear full financial liability for any accident you cause.
Can I transfer my NCB when I buy a new car?
Yes. NCB belongs to the owner, not the vehicle. When you sell your old car and buy a new one, you can transfer your accumulated NCB to the new policy. We help you do this correctly.
Ready to Get Started?
Talk to our expert advisors today. No obligation, just clarity.