Third-Party Foundation
Handles legal liability for damages caused to third-party people or property.
Coverage Route
Build the right coverage route before you request a quote.
Use this page to map legal minimums, own-damage protection, and add-ons to your daily driving reality.
- Pick a reliable base: Third-Party or Comprehensive
- Add targeted riders for actual risk exposure
- Prepare renewal checklist in advance
Coverage Route Timeline
Comprehensive Expansion
Adds own-damage protection from incidents like collisions, theft, or natural events.
Smart Add-ons
Layer only add-ons that solve meaningful risk and claim friction for your profile.
Renewal Readiness
Review sum insured, usage, NCB position, and document status before expiry.
Third-Party Explained
This is typically the legal minimum. It protects against external liability but usually not your own vehicle damage.
- Legal compliance baseline
- Budget-friendly structure
- Limited own-vehicle protection
Comprehensive Explained
Balanced option for most drivers. Combines third-party liability and own-damage safeguards.
- Broader incident coverage
- Useful for financed/newer vehicles
- Supports add-on customization
Add-ons Explained
Common options include roadside assistance, zero depreciation, engine protect, and personal accident support.
- Roadside Assistance
- Zero Depreciation
- Engine Protect
- Personal Accident Cover
Renewal Checklist
- Verify expiry date and break-in risk window
- Confirm vehicle details and nominee information
- Review claim records and no-claim benefit position
- Check add-ons relevance for current usage
- Store policy PDF and payment record securely
Coverage Matcher
Choose your profile and generate a recommendation.