Essential facts about motor insurance drivers should know

The term motor insurance is applicable for any kind of vehicle that plies on the Indian roads. It could be a four-wheeler, bike, or commercial vehicle. Every year, thousands of new motorists get their driving license and become motor owners. Of these, the number of young motorists is maximum. Newbies need to have all the information to be able to invest in a decent insurance policy.

If you are a new driver, you should be aware of the following facts before taking that vehicle on the highway –

Types:

You get a driving license for a motorcycle without gear when you turn 16 years old. But need to wait until 18 years for getting driving license for other automobiles, which includes four-wheelers, jeeps, buses, etc. No matter the kind of vehicle you own, you must buy an insurance plan for the same. Typically, there are three motor insurance types –

  • Two-wheeler insurance
  • Car insurance
  • Commercial insurance such as cabs, rickshaws, buses, trucks, etc.

Plans:

New drivers need to be aware that these types have their motor insurance plans as well. Generally, the two common plans in India are –

  • Third-party liability

Also called limited liability insurance, is a mandatory policy that all owners must invest according to the Motor Vehicle Act, 1988. Such insurance covers third-party individuals and properties in case of accidents, resulting in injury, death, or damage to the vehicle. The policyholder is not the beneficiary of such policies. The sum assured under third-party is lower, and so is the premium amount.

  • Comprehensive plan

One of the best motor insurance plans to consider is a comprehensive policy. They are regarded as an all-round insurance policy that covers both the third-party as well as the holder. Under such insurance, you get coverage against a wide range of roadside scenarios and natural as well as humanmade calamities, or damage to specific parts of the automobile. You can also customise the plan by adding some riders for additional protection. Comprehensive policies hold higher premiums, but there are some personal as well as external factors that could reduce them.

Kind of add-on covers:

While new drivers buy motor insurance, they need to be aware of different riders which gives them added protection. These include –

  • Zero depreciation cover
  • Roadside assistance
  • No claim bonus cover
  • Accidental cover
  • Personal accident cover

If you have got your driving license, you should be aware that driving without both a license and insurance is a punishable offence. If you are a young driver, research as much information on motor insurance types before hitting the roads.

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