Third-Party Liability
Protection for covered legal liability toward third parties, subject to applicable law and policy terms.
Learn moreInsurance
Start from the vehicle you want to insure
Vehicle, use, cover and add-ons are four different decisions. This page lists all of them so you can jump straight to the part you need.
Level 1
Vehicle routes
Four primary routes. The usage options inside each route are what decide which products can be discussed.
Two-Wheeler
Insurance assistance for motorcycles and scooters.
- Personal / Private
Car
Insurance assistance for cars used for personal or permitted commercial purposes.
- Personal Use
- Commercial Use
Commercial Vehicle
Insurance assistance for vehicles used for permitted commercial or business purposes.
- Goods Carrying
- Passenger Carrying
- Other / Special
Other / Special Vehicle
Assistance for applicable special or miscellaneous vehicle categories.
- Other / Special
Level 2
Cover structures
Chosen after the vehicle and its use, never before.
Own Damage
Protection for covered loss or damage to the insured vehicle, subject to policy terms, exclusions, deductibles and applicable limits.
Learn moreComprehensive / Package
A policy structure that generally combines Third-Party Liability and Own Damage protection, subject to the specific policy wording.
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Level 3 · Optional
Add-ons
Optional and subordinate to the base cover. Availability depends on the insurer, the product, your vehicle and its use.
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.
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.