Motor cover for every journey, with renewal support.

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Cashless repairs at network garages

Add-ons explained, including zero depreciation

Roadside assistance as an add-on

Motor & Fleet Advisory

Protection for your vehicle and your liability

Traffic accidents, waterlogging and theft can cause heavy losses. A Distroo Advisor helps you choose between third-party and comprehensive cover, set a fair Insured Declared Value (IDV), pick add-ons such as zero depreciation and engine protection, and renew on time.

Zero Depreciation Add-On Explained

Roadside Assistance Add-On Where Offered

Engine & Gearbox Protection for Water Ingress

Return to Invoice Cover on Total Loss or Theft

A car on a highway, protected by motor insurance

Claim Guidance

How a Cashless Garage Repair Works

After an accident, knowing the steps saves time. Here is how a motor claim usually works, and where your Advisor helps. The insurer makes the claim decision.

Step 01

Inform the Insurer

Make sure everyone is safe, take photographs of the damage and inform the insurer. Let your Advisor know so that we can guide you.

Step 02

Move the Vehicle to a Garage

If your policy includes roadside assistance, use it. Otherwise arrange safe towing to a network garage for a cashless repair.

Step 03

Surveyor Assessment

The insurer appoints a surveyor, who assesses the damage in person or through photos and videos and approves the repair estimate.

Step 04

Estimate Review

Your Advisor can help you understand what the estimate includes, such as depreciation and deductibles, so you know what to expect.

Step 05

Repair & Delivery

At a network garage, the insurer pays eligible repair costs directly. You pay the compulsory deductible, depreciation where applicable and any non-covered items.

Policy Add-Ons

Motor Add-Ons to Consider

A standard comprehensive policy still leaves some costs with you after a claim. Add-ons can reduce them. Each has its own terms, limits and eligibility.

Zero Depreciation

Zero Depreciation (Bumper-to-Bumper)

Removes the depreciation deduction on most replaced parts in a claim, subject to the number of claims allowed and the vehicle's age.

Monsoon Cover

Engine & Gearbox Protector

Covers damage from water ingress or hydrostatic lock after waterlogging, and oil leakage, as defined in the add-on.

Total Value

Return to Invoice (RTI)

In a total loss or theft, pays the invoice value of the vehicle, which may include registration charges and road tax, as per the add-on terms.

Roadside Help

Roadside Assistance (RSA)

Help with towing, battery jump-start, flat tyre, key replacement and similar breakdown issues, within the limits of the add-on.

Talk to an Advisor

Share your vehicle details and a Distroo Advisor will explain suitable options in plain language.

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Know the Terms

Motor Cover Inclusions & Exclusions

Typical clauses to understand before you buy. Your policy wording is the final word.

What Is Covered

Covered

Typical features of comprehensive motor policies; check your policy

Accidental Damage

Damage to the vehicle caused by accidents, collisions or overturning, subject to the policy terms and deductibles.
Theft & Vandalism

Settlement up to the Insured Declared Value (IDV) if the vehicle is stolen or damaged beyond repair, as per the policy.
Natural Calamities & Fire

Damage from fire, explosion, storm, flood, earthquake, landslide or falling trees, as listed in the policy.
Third-Party Legal Liability

Legal liability for injury, death or property damage caused to others, which is mandatory under the Motor Vehicles Act.

What Is NOT Covered

Excluded

Typical exclusions; the policy wording is final

Driving Under the Influence

Accidents while the driver is under the influence of alcohol or drugs are generally excluded.
Driving Without a Valid Licence

Claims may be rejected if the person driving did not hold a valid driving licence at the time.
Consequential Damage

Damage caused by starting the engine in floodwater is generally excluded unless an engine protection add-on applies.
Wear & Tear and Breakdown

Normal wear and tear, mechanical or electrical breakdown and tyre damage on their own are generally excluded.

Eligibility Checklist

Documents Required for Motor Insurance Claims

Having these documents ready helps with the surveyor's assessment and repair approval.

Vehicle Registration Certificate (RC)

Original or DigiLocker copy of the registration certificate.

Valid Driving License (DL)

Driving licence of the person driving at the time of the incident.

Claim Form & Photos

Completed claim form and photos of the damage.

Police FIR & Untraced Report

A copy of the FIR and the police's untraced report, as the insurer requires for theft claims.

Original Keys & Service Book

Both sets of keys and the service book for theft or total loss claims.

Transfer & Subrogation Papers

Ownership transfer forms and a subrogation letter for total loss settlement.

Legal Notice or Summons

Any notice or summons received from the third party or tribunal, to be shared with the insurer promptly.

Police Report & Spot Inspection

The police report or spot inspection record, if applicable.

Driver Licence & Fitness Certificate

Driver details and, for commercial vehicles, the fitness certificate and permit.

Free Advisory Call

Book a One-on-One Consultation

Discuss your vehicle, driving profile and add-on needs with a Distroo Advisor.

Schedule a Free Call

Policy Review

Get Your Existing Policy Reviewed

Share your policy schedule and we will explain its key terms, IDV and add-ons.

Request Policy Review

Free Motor Advice

Explore Car, Two-Wheeler & Commercial Vehicle Cover

Speak with a Distroo Advisor. We help you set a fair IDV, understand your No Claim Bonus and choose add-ons that make sense for your vehicle and usage.

Guidance on your No Claim Bonus
Claim guidance and garage process explained
A named Advisor as your point of contact

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FAQs

Frequently Asked Questions on Motor Insurance

Answers about zero depreciation, IDV and No Claim Bonus.

What is the difference between third-party and comprehensive motor insurance?

Third-party insurance is mandatory under the Motor Vehicles Act. It covers your legal liability for injury, death or property damage caused to others, but not damage to your own vehicle. Comprehensive insurance covers third-party liability and also damage to your own vehicle from accidents, fire, theft and natural calamities, subject to the policy terms.

How does zero depreciation work in a claim?

In a standard claim, depreciation is deducted from the cost of replaced parts, commonly 50% for rubber, plastic and batteries, 30% for fibre glass, and a rising percentage for metal parts as the vehicle ages. A zero depreciation add-on removes most of this deduction, subject to the add-on's terms and limits on the number of claims.

Can I transfer my No Claim Bonus to a new vehicle?

The No Claim Bonus belongs to the owner, not the vehicle. If you sell a vehicle and buy another, you can usually carry the discount to the new policy, subject to the insurer's rules and time limits. Your Advisor helps you get the NCB certificate and apply it.

What is IDV and why does it matter?

IDV, or Insured Declared Value, is the current market value of your vehicle used by the insurer, and it is the most you can receive in a theft or total loss claim. Setting it too low to reduce the premium can leave you under-compensated, so discuss it with your Advisor.

What should I do first after an accident?

Make sure everyone is safe, photograph the damage from several angles, and do not start the engine if oil or coolant has leaked. Inform your insurer using the number on your policy document, and call your Advisor on +91 98346 16517 for guidance on the next steps.