Responsible Driving.. Reliable Protection

Get insurance that protects your vehicle from third-party liabilities as mandated by the Motor Vehicles Act 1988 and subsequent amendments thereon.

Financial protection against accident-related losses
Covers both private and commercial vehicles

A truck, two cars and a scooter in front of a shield carrying a tick

What is Motor Insurance?

Safeguarding others while protecting yourself

Motor insurance provides financial protection against risks involving your private and commercial vehicles (including private car, two-wheeler, passenger & goods carrying vehicles, and miscellaneous vehicles) due to accidents – damage and legal liabilities.

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Vehicle Types Eligible for Motor Insurance

Car
Two-wheeler (Scooters, Bikes, EVs)
Goods Carrying Vehicle
Passenger Carrying Vehicle
Miscellaneous Vehicle

Our Offerings

Types of Motor Insurance We Offer

Our motor insurance solutions are designed for different vehicle categories, helping owners stay financially protected against any third-party liability.

Car Insurance
Motor insurance solutions for private and passenger cars, designed to protect against loss arising from accidents and third party liabilities.
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Two-wheeler Insurance
Motor insurance coverage for two-wheeler, offering protection against third party liability arising from your two-wheeler usage.
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Compulsory Personal Accident Insurance
This policy offers financial protection to the owner-driver of a vehicle in case of death or disability due to an accident while driving the vehicle.
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Miscellaneous Vehicle Insurance
Motor insurance coverage for miscellaneous vehicles such as tractors & other special-purpose vehicles, as per applicable policy terms.
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Goods Carrying Vehicle Insurance
It offers third-party coverage for trucks, tempos, and other commercial goods carriers, ensuring that you stay protected from unexpected liabilities on the road.
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Passenger Carrying Vehicle Insurance
It provides mandatory coverage for legal liabilities arising from accidents involving your insured passenger carrying vehicle
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Learn the Basics

Motor Insurance Terms You Should Know

Understanding these common terms will help you make informed decisions when choosing a motor insurance policy.

Premium
The amount you pay periodically to keep your insurance policy active. It can be paid monthly, quarterly, or annually.
Deductible
The “out-of-pocket” amount you must pay before your insurance coverage kicks in for a claim.
Third-Party Liability
Coverage for damages or injuries caused to other people or their property in an accident where you are at fault.
Insured Declared Value (IDV)
The current market value of your vehicle, which serves as the maximum sum insured under the policy.
Claim Settlement Ratio
The percentage of claims settled by the insurance company out of total claims received in a year.
No Claim Bonus (NCB)
A discount reward for not making any claim during the policy year. Can go up to 50% off on renewal.
Comprehensive Coverage
Complete protection including own damage, third-party liability, theft, and natural calamities.
Depreciation
The gradual reduction in a vehicle’s value over time due to regular use and ageing.

Why Choose Kshema
Motor Insurance ?

Motor insurance solutions designed to help you stay protected and confident on the road

Simple Policy Issuance
Get your motor insurance policy through a simple & streamlined digital process
Diverse Plans
Choose from motor insurance options based on your vehicle type and coverage requirements
Transparent Claims Process
A clear and structured claims process supported by defined policy terms
Digital-first
Manage your motor insurance journey digitally, from policy purchase to support