Everything that truly matters before buying Motor insurance in India.
Choosing the right motor insurance in India goes beyond just price. From understanding policy coverage and add-ons like zero depreciation and roadside assistance to comparing claim support and renewal benefits every detail matters.
Discover the key factors that help you make a smarter, more secure, and cost-effective car insurance decision for your vehicle.
Insurer Specific Features
Insurer specific features that tell you how to shortlist a Motor insurance company.
Check the Claim Settlement Ratio
When you buy a term insurance policy, verify that the insurer settles claims promptly. Check two key metrics: the three-year average claim settlement ratio and the percentage of claims paid within 30 days.
If both figures exceed 97%, the insurer demonstrates strong reliability. You can find this data in IRDAI’s annual reports or by consulting our insurance advisors.
Check the Volume of Complaints
If an insurer receives more than 20 complaints for every 10,000 registered claims, it may be a sign to look for a better option. These numbers are available in the insurer’s public disclosures on their website or you can simply consult our advisors for clear, unbiased guidance.
You could talk our insurance advisors.
You need a high amount settlement ratio too
Some insurers may approve smaller claims but reject larger, high-value ones to artificially boost their claim settlement ratios. To get a clearer picture, check the total amount settled as a percentage of the total value claimed a figure above 90% generally indicates reliability. You can find this data in IRDAI’s annual reports, or consult our advisors for assistance.
Must have - Policy add-ons
In Policy-specific features we help you understand the must have and good to have features while buying a Motor insurance.
Zero Depreciation Cover
When you make a claim, your insurer usually deducts the depreciation cost of car parts before settling the amount meaning you pay out of pocket. With a Zero Depreciation Cover, that deduction disappears. Your claim is settled without factoring in the reduced value of parts like bumpers, metal, or plastic.
It ensures your car’s repair costs are covered almost in full, leaving you stress-free. If your vehicle is under 6.5 years old or newly purchased, this add-on is a must-have for maximum protection.
And can find this information in IRDAI’s annual reports or you could talk to our advisors.
Consumables Cover
When your car goes for repairs after an accident, you might be surprised not everything is covered. Items like engine oil, nuts, bolts, brake fluid, or lubricants often fall under “consumables” and are billed separately. With a Consumables Cover, every tiny detail counts. It ensures even the smallest components that keep your car running smoothly are covered during claims.
And can find this information in IRDAI’s annual reports or you could talk to our advisors.
Return to Invoice (RTI) Cover
When the unexpected happens like total loss or theft most policies only reimburse your car’s current market value. But with Return to Invoice (RTI), you get exactly what you paid for. This add-on bridges the gap between your car’s insured value and its original on-road price, including registration and taxes.
It’s your financial safety net ensuring you recover your car’s full value, not its depreciated worth. Ideal for new or high-value vehicles, RTI gives you the confidence that no matter what happens, you’ll always get back what your car was truly worth.
You could talk to our advisors.
Engine Protection
Engine Protection is your car’s ultimate shield Safeguards the heart of your vehicle the engine and its vital components like the gearbox from costly damages caused by incidents such as oil leaks or water ingress.
It ensures your drive stays powerful, smooth, and worry-free.
Key and Lock Cover
Key and Lock Cover is your car’s smart layer of security a premium add-on that protects you against the hassle and cost of lost, stolen, or damaged keys. Whether it’s reprogramming a smart key or replacing the entire lock set,
this cover ensures you stay in control, always ready to drive with confidence and ease.
Road Side Assisstance
The Roadside Assistance (RSA) add-on provides 24×7 help if your car breaks down, covering towing (up to 50 km), battery jumpstarts, fuel supply, key retrieval, minor repairs, flat tyre support, and phone guidance.
ideal for frequent travelers and long-distance drivers.
Good to have - Policy Specific Features
Personal Accident Cover
Personal Accident Cover for Owner-Driver is your ultimate safety net a built-in protection that puts you first. In the event of an accident, it offers up to ₹15 lakh in compensation for accidental death or permanent disability. It’s not just coverage it’s confidence
Paid Driver Cover
Paid Driver Cover is protection that values every hand behind the wheel. This smart add-on provides up to ₹2 lakh in compensation for your paid driver in case of accidental disability or death. It ensures safety, dignity, and financial security
Passenger Cover
Passenger Cover is care that travels with everyone on board. This thoughtful add-on provides up to ₹2 lakh in compensation per passenger as per your vehicle’s seating capacity in case of accidental injury or death.
You are liable to pay for the injuries that may be caused to the passenger in case of an unfortunate accident
Frequently Asked Questions
We’re always here for you. email us at support@aeroinsurance.in. Our team is just a message away.
Yes, but only slightly and the value they deliver far outweighs the cost. For a few hundred rupees more, you can secure lakhs in coverage and eliminate major repair or replacement expenses. It’s smart protection that pays for itself when life throws a curveball.
No, you can’t add new covers once your policy is active. Add-ons can only be selected at the time of purchase or during renewal. So, when you renew your policy next time, you can easily opt for the add-ons you need and customize your protection perfectly.
Start by speaking with our advisors they’ll help you understand your needs and suggest the right covers. For example, Engine Protection suits flood-prone areas, Zero Depreciation is ideal for new cars, and PA plus Passenger Cover ensure complete safety.
Yes, a Personal Accident Cover of up to ₹15 lakh for the owner-driver is mandatory under IRDAI regulations. It ensures financial protection in case of accidental death or permanent disability a must-have safeguard for every vehicle owner.
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