Car, bike and fleet insurance · Kandivali East, Mumbai
Motor Cover Without the Guesswork.
We're motor insurance agents in Kandivali East, Mumbai. We compare car, two-wheeler and fleet policies from leading insurers, pick the add-ons that are worth paying for, and help you through the claim after an accident or theft.
What we insure
Every Vehicle on Your Drive.
The fine print
What We Check Before You Renew.
The cheapest renewal is not always the best one. We go through these with you every year.
After an accident
One Call, and We Take It From There.
01Call us firstBefore the vehicle is repaired. We tell you what to photograph, whether a police report is needed, and which garage to use.
02We follow it upWith the insurer and the surveyor, so the inspection and approval don't drag on.
03If it's cut or refusedWe check the assessment against your policy and take it up with the insurer, and then the Insurance Ombudsman if needed.Questions
Motor Insurance, Answered Plainly.
Is third-party insurance compulsory?
Yes, under the Motor Vehicles Act. IRDAI fixes the third-party premium, so it's the same at every insurer. New cars come with 3 years of third-party cover and new two-wheelers with 5. Cover for damage to your own vehicle is separate and optional, but well worth having.
What is No Claim Bonus, and can I keep it?
A discount on the own-damage premium for every claim-free year: 20%, 25%, 35%, 45%, then 50% after five years. A claim resets it. It belongs to you, not the vehicle, so it moves to your next car or insurer (ask for a retention certificate when you sell). Renew within 90 days of expiry or you lose it.
Is a zero-depreciation add-on worth it?
Usually, for newer vehicles. Without it, the insurer deducts depreciation on replaced parts, so you pay part of every repair. One client added it at renewal for ₹5,000 more; on two later claims of ₹80,000 and ₹35,000 they paid only ₹8,000 and ₹3,000. Consumables and engine-protect add-ons fill other gaps.
What is IDV?
The Insured Declared Value: the most you're paid if the vehicle is stolen or written off. It's the vehicle's listed price less depreciation for its age. A lower IDV lowers the premium but also the payout, so don't cut it just to save money.
What do I do after an accident?
Tell the insurer (and us) straight away, take photos, and don't start repairs before the survey. File a police report if anyone is injured. A network garage can repair cashless. Bigger losses need a licensed surveyor, who should be appointed within 24 hours.
My vehicle was stolen. How do I claim?
File a police FIR immediately and inform the insurer and the RTO. You'll need the claim form, RC, all keys, the purchase invoice and RTO transfer forms. The insurer pays the IDV, less any deductible, once the police issue their "untraced" report, usually about a month later.
I sold my vehicle. What happens to the insurance?
The buyer should have the policy transferred into their name within 14 days of the sale; until then, own-damage claims can be disputed. You keep your No Claim Bonus for your next vehicle.
My claim is delayed or rejected. What can I do?
Tell us what happened, even if you didn't buy the policy through us, and we'll tell you honestly whether it's worth pursuing. The formal route: complain to the insurer's grievance officer, who must resolve it within 14 days. If that fails, go to IRDAI's Bima Bharosa portal or the Insurance Ombudsman, which is free, must be approached within a year and handles claims up to ₹50 lakh. The Ombudsman is open to individuals, sole proprietors and micro enterprises, not to partnerships or companies.
More on claims, tax and other cover: see all our FAQs.
Serving all of Mumbai
Visit Us in Kandivali East, or Do It All by Phone.
Our office is at 102, New BMC Market Building, Akurli Road, Kandivali East, Mumbai 400101, open Monday to Saturday, 10 am to 6 pm. Wherever you live in Mumbai, we can handle your motor cover by phone and WhatsApp.