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Motor Vehicles Act passed in 1939 and amended in 1988 further amended in 2019.

Own damage of the vehicle is not compulsory, but the insurance of third-party liability arising out of the use of motor vehicles in public places is made compulsory. No motor vehicle can ply in a public place without a third-party insurance.

The policy of insurance should cover the liability incurred in respect of any one accident as follows:

(a) In respect of death of or bodily injury to any person, the amount of liability incurred is without limit i.e. unlimited.

(b) In respect of damage to any property of third party: A minimum of Rs. 6,000/- and can be covered for an amount of Rs. 750,000/-

        The liability in respect of death of or bodily injury to any passenger of a public service vehicle in a public place, the amount of liability incurred is unlimited.



Rates are based upon the cubic capacity as given by manufacturers, Insured’s Declared Value (IDV), the Zone of operation and age of the vehicle.


The cubic capacity of the vehicle indicates the power of the engine. Separate rates apply for cars up to 1000 cc, 1000 cc – 1500 cc and above 1500 cc and scooters/motorcycles up to 150cc, 150-350cc & above 350cc.

Similarly, there are different rates for vehicles in the age groups up to 5 years, 5 years to 10 years and above 10 yrs.


There are two Zones of operation, Zone A and Zone B, as follows:

Zone A: Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, Delhi & Pune.

Zone B: Rest of India. Note: The rates for Zone A are higher than those for Zone B.



Commercial Vehicle Insurance under the Auto Insurance in India provides cover for all the vehicles which are not used for personal purposes, like the Trucks and HMVs. The amount of premium depends on the showroom price of the vehicle at the commencement of the insurance period, make of the vehicle and the place of registration of the vehicle.


The auto insurance generally includes:


Loss or damage by accident, fire, lightning, external explosion, burglary, theft, malicious act. Liability for third party injury/death, third party property and liability to paid driver On payment of appropriate additional premium, loss/damage to electrical/electronic accessories. The auto insurance does not include consequential loss, depreciation, mechanical and electrical breakdown, failure or breakage when vehicle is used outside the geographical area, war or nuclear perils and drunken driving.


With the digital first approach, we at Esurance strive to blend in the new way of doing insurance which is fast and convenient for the customers. We are putting our best foot forward in revolutionising the industry with state-of-the-art consumer engagement models, digitised distribution and operations, and a smarter customer experience by embracing big data and analytics.

Whether you are looking to protect yourself, your loved ones or your business, we’ll help you find the right insurance for your specific needs.


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Any advice on this website is general advice only. Please read the relevant product disclosure/ policy wordings to decide whether it suits your needs which can be obtained from Esurance. Esurance is also happy to provide you with further information if required. Esurance recommends that you seek advisory prior to acting upon material contained on this website or any linked site.

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