From mandatory third-party cover to a fully protected comprehensive policy with the right add-ons for Assam's roads and monsoons — we arrange it, renew it on time, and stand with you at claim time.
| What it pays for | Third-Party Only | Comprehensive |
|---|---|---|
| Injury / damage you cause to others | Covered | Covered |
| Damage to your own vehicle (accident) | Not covered | Covered |
| Theft of your vehicle | Not covered | Covered |
| Fire, flood, falling trees | Not covered | Covered |
| Add-ons (zero dep, engine protect…) | Not available | Available |
| Legal requirement | Meets minimum | Meets minimum + protects you |
Add-ons are where motor policies differ most. These four earn their premium in this region more often than any others.
Claims paid without deducting depreciation on parts — the difference between a part-paid and a fully-paid repair bill on newer vehicles.
Covers engine damage from waterlogging and hydrostatic lock — the classic monsoon claim that standard policies reject.
Towing, battery, flat tyre and fuel help on highways and hill routes across the North East.
On total loss or theft, pays the invoice value of the car rather than the depreciated insured value.
Yes. Under the Motor Vehicles Act, every vehicle on Indian roads must carry at least third-party liability cover. Driving without it invites fines and leaves you personally liable for injury or damage you cause to others.
Usually not. Damage from cranking a car in standing water (hydrostatic lock) is treated as consequential loss and rejected under a standard comprehensive policy. An engine-protection add-on covers it — worth serious thought in Guwahati, where waterlogging is a fact of life in the monsoon.
Yes, but act fast. A lapsed policy usually means a vehicle inspection before renewal, and if the break exceeds 90 days you lose your accumulated No Claim Bonus. Renew before expiry whenever possible — we track renewals for our clients.
Yes. NCB belongs to you, not to the vehicle or the insurer. It transfers to a new car and to a new insurer at renewal — we handle the paperwork so the discount is not lost.
Send us your RC and current policy on WhatsApp — we will come back with options and the add-ons worth having.
