Bike & scooter
Two-Wheeler
Insurance assistance for motorcycles and scooters.
- Motorcycle
- Scooter
- Daily commute
Motor insurance services
Motor Insurance, Made Easier to Understand
Choose your vehicle, tell us how it is used, understand the available insurance cover, and connect with CAREALL for assistance.
CAREALL Digital Services provides insurance information and assistance. Cover, premium, eligibility and claims are decided by the applicable insurer under the policy wording and applicable law.
- Clear insurance guidanceConcepts explained in plain language, with the limits stated rather than hidden.
- Vehicle and usage based selectionYou start from the vehicle and how it is used, not from insurance jargon.
- Short assistance enquiryName, mobile and preferred language. No documents, no identity information.
- WhatsApp continuationYour enquiry is prepared for WhatsApp so you can review it before sending.
Start here
Which vehicle do you want to insure?
Pick a vehicle and send a short enquiry. Cover and optional add-ons are discussed in the conversation.
Personal or commercial
Car
Insurance assistance for cars used for personal or permitted commercial purposes.
- Hatchback
- Sedan
- SUV
Business use
Commercial Vehicle
Insurance assistance for vehicles used for permitted commercial or business purposes.
- Goods carrier
- Taxi
- Bus
Special categories
Other / Special Vehicle
Assistance for applicable special or miscellaneous vehicle categories.
- Special category
- Miscellaneous vehicle
- Other applicable category
Service chooser
What do you want to insure?
Select your vehicle to see the insurance route that fits its type and use.
Two-Wheeler
Insurance assistance for motorcycles and scooters.
Use
Personal / Private Use
Suitable for
Motorcycles and scooters used primarily for personal, family, commuting or permitted private purposes.
- Motorcycle
- Scooter
- Daily commute
- Family use
Eligibility is not confirmed here. It depends on the RC, actual permitted use, the applicable insurer and underwriting.
Route Two-Wheeler · Personal / Private Use
Car
Insurance assistance for cars used for personal or permitted commercial purposes.
Suitable for
Hatchbacks, sedans, SUVs and MUVs registered and used for private purposes.
- Hatchback
- Sedan
- SUV
- MUV
Selecting a use here does not confirm eligibility. Classification depends on the RC, actual permitted use, the applicable insurer and underwriting.
Route Car · Personal / Private Use
Commercial Vehicle
Insurance assistance for vehicles used for permitted commercial or business purposes.
Suitable for
Vehicles used to carry goods, subject to registration, permit, actual permitted use and insurer eligibility.
- Goods carrier
- Delivery vehicle
- Light commercial goods vehicle
- Truck
Commercial classification depends on the RC, permit, actual permitted use, the applicable insurer and underwriting.
Route Commercial Vehicle · Goods Carrying
Other / Special Vehicle
Assistance for applicable special or miscellaneous vehicle categories.
Use
Other / Special Use
Suitable for
Special or miscellaneous categories where availability has to be checked for the specific vehicle and insurer.
- Special category
- Miscellaneous vehicle
- Other applicable category
Not every special vehicle category is supported. Availability has to be checked for the specific vehicle, use and insurer.
Route Other / Special Vehicle · Other / Special Use
Choose a vehicle above to see the insurance cover options that apply to it.
Education
How motor insurance generally works
A motor insurance policy is a contract between the vehicle owner and an insurer. What it covers, what it excludes and how a claim is handled are all set out in the policy wording.
The vehicle and its use are identified
The registration certificate, the vehicle category and the actual permitted use decide which products can be discussed at all.
A cover structure is chosen
Third-party liability, own damage and comprehensive/package are different structures. Each one is defined by its own policy wording.
Optional add-ons may be considered
Where an insurer offers them, add-ons extend or change specific parts of the cover. They are selected and charged separately.
The insurer underwrites and issues
Acceptance, premium, conditions and any loading or exclusion are decided by the applicable insurer under its own underwriting rules.
Compare
Third-party, own damage and comprehensive / package
These are three different cover structures, not three grades of the same product. What each one actually addresses is set by the applicable policy wording.
Third-Party Liability
Protection for covered legal liability toward third parties, subject to applicable law and policy terms.
- Covered legal liability toward third parties
- Generally
- Covered loss or damage to the insured vehicle
- No
- Optional add-ons may be available
- No
- Governed by the policy wording and applicable law
- Generally
Own Damage
Protection for covered loss or damage to the insured vehicle, subject to policy terms, exclusions, deductibles and applicable limits.
- Covered legal liability toward third parties
- No
- Covered loss or damage to the insured vehicle
- Generally
- Optional add-ons may be available
- Sometimes
- Governed by the policy wording and applicable law
- Generally
Comprehensive / Package
A policy structure that generally combines Third-Party Liability and Own Damage protection, subject to the specific policy wording.
- Covered legal liability toward third parties
- Generally
- Covered loss or damage to the insured vehicle
- Generally
- Optional add-ons may be available
- Generally
- Governed by the policy wording and applicable law
- Generally
Optional
Add extra protection if available for your vehicle and policy
Add-ons are optional and subordinate to the base cover. One applies only where the insurer offers it, it is selected, it is charged and it is recorded on the policy.
Zero / Nil Depreciation
Where offered, it changes how depreciation is applied to covered part replacement in an own-damage claim.
Roadside Assistance
Where offered, it provides defined on-road support services within the insurer's stated scope and limits.
Engine Protection
Where offered, it extends cover to specified engine-related damage that the base policy would not address.
Return to Invoice
Where offered, it changes the basis of settlement in a total-loss or theft claim, subject to the insurer's conditions.
Consumables
Where offered, it covers specified consumable items used during a covered repair, as listed by the insurer.
Key Protection
Where offered, it addresses specified loss or damage to vehicle keys and lock sets within stated limits.
Tyre / Rim Protection
Where offered, it addresses specified tyre and rim damage that the base own-damage section may not cover.
NCB Protection
Where offered, it changes how the No Claim Bonus is treated after a permitted number of claims, subject to conditions.
Owner-Driver Personal Accident Cover
Accident-related protection for an eligible owner-driver, subject to applicable policy, eligibility requirements and terms.
- This is accident-related protection for the eligible owner-driver. It is not cover for damage to the vehicle.
- Eligibility, the sum insured and the conditions are set by the applicable policy and law.
- Where an eligible cover is already held, the requirement may be handled differently. This has to be checked for the specific case.
Before you enquire
What information may be needed later
The enquiry form does not ask for any of this. It is listed so you know what the applicable insurer or service process may request once a conversation starts.
- Vehicle registration details
- Previous policy information, where a policy already exists
- Vehicle details such as make, model, variant and year
- Driver information, where the insurer asks for it
- Permit and fitness information, where applicable for commercial vehicles
- Other insurer-specific or product-specific information
Nothing needs to be uploaded here
You do not need to upload insurance documents or identity documents through this enquiry form. The applicable insurer or service process may request additional information later.
How it works
The general assistance process
Four steps from choosing a vehicle to continuing the conversation on WhatsApp.
Choose vehicle and use
Start from the vehicle you want to insure and tell us how it is actually used. This decides the route.
Understand cover
Read what third-party, own-damage and comprehensive/package structures generally address before deciding.
Tell CAREALL what you need
Share your name, mobile number and preferred language. No documents and no identity information are collected here.
Continue on WhatsApp
Your enquiry is prepared as a WhatsApp message. You review it and send it when you are ready.
Claims
How a motor claim generally proceeds
This is educational only. CAREALL does not approve, assess, settle or guarantee any claim — the applicable insurer decides.
Accident or loss occurs
Something happens that may give rise to a claim under the policy.
Ensure immediate safety
Safety of the people involved comes first, before anything to do with the policy.
Notify the appropriate authorities where required
Some incidents require the police or other authorities to be informed. Requirements vary by situation and applicable law.
Inform the insurer promptly
Policies generally expect the insurer to be told about a loss without delay. The intimation channel is set by the insurer.
Provide the required information and documents
The insurer states what it needs for the specific claim. CAREALL does not collect claim documents through this website.
Inspection or assessment where applicable
The insurer may arrange an inspection or a survey before deciding how the claim is handled.
Repair or settlement according to the policy
The outcome of a claim is decided by the applicable insurer under the policy wording and applicable law.
Terminology
Insurance words, explained plainly
The vocabulary you are most likely to meet when discussing a motor policy.
- Third Party
- The section of a motor policy that responds to covered legal liability toward another person or their property. Its scope is set by the policy wording and applicable law.
- Own Damage
- The section that responds to covered loss of or damage to the insured vehicle itself, subject to exclusions, deductibles and the applicable limits.
- Comprehensive / Package
- A policy structure that generally combines the third-party and own-damage sections. It does not mean that every possible loss is covered — the policy wording still decides.
- Liability Only / Act Only
- A policy structure limited to the liability cover required under applicable law. It does not address damage to the insured vehicle.
- Bundled structures
- Some vehicles are offered a policy whose liability and own-damage sections run for different periods. Where this applies, the exact terms are set by the insurer and applicable rules.
- IDV — Insured Declared Value
- The value assigned to the insured vehicle for the purposes of the policy. It is generally used as the basis of settlement in a total-loss or theft claim, subject to the policy terms.
- Premium
- The amount charged by the insurer for the cover. It depends on the vehicle, use, cover structure, add-ons, declared value, underwriting and applicable charges.
- Deductible / Excess
- The part of a claim the policyholder bears. A policy may carry a compulsory deductible and, where chosen, a voluntary one.
- NCB — No Claim Bonus
- A reduction applied at renewal where no claim was made in the preceding policy period. The applicable slabs and conditions are set by the insurer and applicable rules.
- Policy period
- The period during which the cover operates. Losses outside the policy period are not covered.
- Renewal
- Continuing cover for a further period. Renewing before the existing policy expires generally avoids a break in cover; a break may affect the terms offered.
- Add-ons
- Optional sections that extend or modify the base cover where the insurer offers them. They have to be selected, charged and recorded on the policy to apply.
- Owner-driver personal accident cover
- Accident-related protection for an eligible owner-driver, subject to the applicable policy, eligibility requirements and terms. It is not cover for damage to the vehicle.
- Commercial vehicle documentation
- For commercial vehicles, the registration, permit, fitness and actual permitted use are generally relevant to what can be offered. Requirements vary by vehicle, state and insurer.
- Claim intimation
- Informing the insurer about a loss. Policies generally expect prompt intimation; the process and timelines are set by the insurer and the policy wording.
FAQs
Frequently asked questions
The questions people ask most often before starting an enquiry.
CAREALL Digital Services explains motor insurance concepts, helps you identify the vehicle category and use that applies to your case, and prepares a structured enquiry so a conversation can continue on WhatsApp. CAREALL does not underwrite, issue, price or renew a policy, and does not approve or settle claims.
No. CAREALL Digital Services is a private business. This website is not a government website and is not an insurer.
The vehicle and how it is used decide which products can be discussed at all. Choosing the cover first would mean discussing options that may not apply to your vehicle, so the chooser asks for the vehicle and the use first.
No. Comprehensive or package is a policy structure that generally combines the third-party liability and own-damage sections. What is actually covered, and what is excluded, is set by the specific policy wording.
No. Add-ons are optional. An add-on applies only where the insurer offers it for your vehicle and cover, it is selected, it is charged and it is recorded on the policy.
None. You do not need to upload insurance documents or identity documents through this enquiry form. The applicable insurer or service process may request additional information later.
Your name, mobile number and preferred language are required. Email, a preferred contact date and a preferred contact time are optional. The form never asks for Aadhaar, PAN, bank details, an OTP, a password or any uploaded document.
The details you entered are used to prepare a WhatsApp message. WhatsApp opens with that message ready for you to review. Nothing is sent until you send it yourself, and the enquiry is not stored on a CAREALL server.
The contact window is 9:30 AM to 6:30 PM. If you choose a preferred date and time slot, it is included in your enquiry as a preference. It is not a confirmed appointment.
No. Claim approval, the claim amount, settlement time, cashless eligibility and repair approval are decided by the applicable insurer under the policy wording and applicable law. CAREALL can explain the general process only.
You can indicate English, Tamil or Hindi as your preferred language in the enquiry form. Website content is currently published in English.
Locations
Find insurance assistance near you
State and city pages for local search intent. Assistance itself is provided remotely.
Assistance is available to vehicle owners across 36 states and union territories, covering 160 cities. Insurance assistance is provided remotely across India from CAREALL's office.
Next step
Ready to discuss your vehicle insurance?
Tell CAREALL what you need and continue with a simple WhatsApp enquiry. Nothing is sent until you review and send it yourself.
Disclaimer
Information on this website is provided for general guidance. Actual insurance coverage, exclusions, eligibility, premium, deductibles, add-ons, claims and policy conditions depend on the applicable insurer, product, vehicle, use, policy wording and applicable law.
Official insurer policy wording and applicable law prevail.