A Move Towards Digital India e-Gov ServicesThird-party liability plus damage to your own vehicle: accidents, theft, fire, floods, riots. Add-ons can be added. Best for most vehicles, and needed for vehicles on loan.
Car & bike insurance, sorted.
New policy, renewal, expired policy or a claim: tell us once, we compare quotes from several insurers and do the paperwork. We stay with you until the claim is settled.
INSURERS
Quotes from several insurers
We compare what the insurers we work with offer for your vehicle: premium, IDV, add-ons, cashless garages near Jamshedpur and claim service. Which insurers we can quote depends on our partner tie-ups at the time.
ICICI LombardHDFC ERGOBajaj AllianzTata AIGNew India AssuranceSBI GeneralIndusInd General (formerly Reliance General)IFFCO TokioCholamandalam MSGo DigitAckoNavi GeneralZuno (formerly Edelweiss)Liberty GeneralUniversal SompoRoyal SundaramMagma HDIFuture GeneraliUnited IndiaOriental InsuranceNational InsuranceKotak Mahindra General
Names and logos belong to their owners. Listing an insurer doesn’t mean it endorses NISE COMPORT.
The legal minimum under the Motor Vehicles Act, 1988. Pays for injury, death or property damage you cause to others. Does not cover your own vehicle.
Covers only your own vehicle. Useful when you already have a long-term third-party policy (common for vehicles bought after 2018/2019).
New cars come with 3-year third-party cover and new bikes with 5-year; own-damage can be 1 to 3 years with some insurers. Fewer renewals, steady premium.
What’s covered
- Accidents and collisions
- Theft of the vehicle (paid up to the IDV)
- Fire, explosion, self-ignition, lightning
- Floods, cyclones, earthquakes, landslides
- Riots, strikes, vandalism, terrorism
- Damage in transit by road, rail, water or air
- Third-party injury, death and property damage
- Owner-driver personal accident cover (up to ₹15 lakh)
What’s not covered
- Normal wear and tear, mechanical or electrical breakdown
- Depreciation on parts (unless you take Zero Depreciation)
- Driving without a valid licence or under alcohol/drugs
- Using the vehicle against the policy terms (e.g. private vehicle for hire)
- Accessories fitted later that weren't declared
- Damage when the policy had expired
- Consequential loss, e.g. engine damage from driving in water (unless Engine Protect)
Add-ons worth knowing
Full value of replaced parts without depreciation cut. Best for new vehicles (up to 5 years).
Towing, battery jump-start, flat tyre, fuel delivery, key help, 24×7.
Engine and gearbox damage from water entry or oil leakage, which the base policy excludes.
Engine oil, coolant, nuts, bolts, washers and similar items used in repairs.
Keep your No Claim Bonus even after a claim (usually one claim a year).
On theft or total loss, get the invoice value (plus road tax and registration) instead of the IDV.
New keys and locks if keys are lost, stolen or damaged.
Damage to tyres and tubes, normally covered only in an accident.
Personal accident cover for passengers / pillion rider.
Compulsory ₹15 lakh cover unless you already have one for another vehicle or a separate PA policy.
No Claim Bonus (NCB)
Discount on the own-damage premium for every claim-free year. It belongs to you, so it moves with you if you change insurer.
| 1 claim-free year | 20% |
| 2 years | 25% |
| 3 years | 35% |
| 4 years | 45% |
| 5 years or more | 50% |
IDV depreciation
IDV = showroom price (plus declared accessories) minus this depreciation. Over 5 years, the value is agreed with the insurer.
| Up to 6 months | 5% |
| 6 months – 1 year | 15% |
| 1 – 2 years | 20% |
| 2 – 3 years | 30% |
| 3 – 4 years | 40% |
| 4 – 5 years | 50% |
Bike third-party premium
Fixed by IRDAI for every insurer (before GST). Car rates depend on engine size; we share the exact figure with your quote.
| Engine | 1 year | 5 years |
|---|---|---|
| Up to 75 cc | ₹538 | ₹2,901 |
| 75 – 150 cc | ₹714 | ₹3,851 |
| 150 – 350 cc | ₹1,366 | ₹7,365 |
| Above 350 cc | ₹2,804 | ₹15,117 |
Renewing: what to know
- You can renew up to 45 days before your policy ends. Renewing before expiry needs no inspection and keeps your No Claim Bonus.
- Once a policy expires there is no cover at all. Renewing an expired comprehensive policy usually needs a vehicle inspection (photos or a visit).
- If you don’t renew within 90 days of expiry, the No Claim Bonus is lost.
- Switching insurer at renewal is allowed: your NCB moves with you (we get the NCB confirmation from your old policy).
- Riding or driving without valid insurance can mean a fine of ₹2,000 (₹4,000 for a repeat offence) and/or up to 3 months in jail.
- At renewal you can change IDV, add or drop add-ons, or switch from third-party to comprehensive.
What decides your premium
- Policy type and add-ons
- IDV (current value of the vehicle)
- Make, model, variant and fuel
- Engine cc (decides the third-party premium)
- Age of the vehicle and city of registration
- No Claim Bonus and claim history
- Voluntary deductible and approved anti-theft device discounts
Documents: new vehicle
- Sale invoice (for a brand-new vehicle) or RC
- Owner’s PAN (or Form 60) and Aadhaar for KYC
- Mobile number and email for the policy
- Engine and chassis number (from RC or invoice)
Documents: renewal
- Registration certificate (RC)
- Previous policy copy (for NCB and policy number)
- PAN and Aadhaar for KYC
- Valid PUC certificate
Documents: claim
- Policy copy and RC
- Driving licence of the person driving
- Filled claim form with cancelled cheque / bank details (we fill it with you)
- Photos of the damage
- FIR for theft, third-party injury or major damage
- Repair estimate and final bills (for reimbursement)
- Loan NOC / Form 28-29-30 for theft or total loss, if asked
How a claim works
- Tell the insurer as soon as possible (we help you register the claim and note the claim number).
- Don’t move a badly damaged vehicle before photos or the surveyor’s visit; for theft, file an FIR at once.
- Cashless: take the vehicle to the insurer’s network garage; the insurer pays the garage and you pay only deductibles and items not covered.
- Reimbursement: repair at any garage, pay the bill, then submit bills for repayment.
- Survey / video inspection by the insurer, documents submitted, approval and settlement.
We help at every step; the insurer’s surveyor and claims team decide the amount.
Common reasons claims are refused
- No valid driving licence
- Driving under alcohol or drugs
- Policy had expired
- Wrong or hidden information
- Wear and tear or mechanical failure
- Private vehicle used commercially
- Late intimation or moving the vehicle before the survey
Get my quotes Health & life insurance help
Insurance is the subject matter of solicitation. Premiums, cover and discounts depend on the insurer’s terms; read the policy wording before buying. NISE COMPORT helps you compare, buy, renew and claim. The policy is issued by the insurance company you choose, and claims are decided and paid by that insurer under its policy terms. NISE COMPORT is not the insurer and is not liable for the insurer’s decisions, but we stay with you from quote to claim settlement.
QUESTIONS CUSTOMERS ASK
Motor insurance questions
Is NISE COMPORT an insurance company?
NISE COMPORT helps you compare, buy, renew and claim. The policy is issued by the insurance company you choose, and claims are decided and paid by that insurer under its policy terms. NISE COMPORT is not the insurer and is not liable for the insurer’s decisions, but we stay with you from quote to claim settlement.
When should I renew?
Up to 45 days before the end date. Renewing before expiry needs no inspection and keeps your No Claim Bonus. We send a WhatsApp reminder before your next due date.
My policy has expired. What now?
Don't drive until it's renewed: there's no cover and you can be fined. We arrange renewal; the insurer may ask for an inspection. Renew within 90 days of expiry to keep your NCB.
Can I change my insurer at renewal and keep my NCB?
Yes. The NCB belongs to you, not the insurer. Bring your last policy; we get your NCB applied with the new insurer.
What is IDV?
The Insured Declared Value is the vehicle's current value after depreciation. It's the most the insurer pays if the vehicle is stolen or totally damaged. A very low IDV lowers the premium but also the payout.
Do I really need zero depreciation?
For vehicles up to about 5 years old, yes, usually: without it, plastic, rubber and fibre parts are paid at 50% and other parts after age-based depreciation.
Who settles my claim?
The insurance company that issued your policy decides and pays the claim. We help you register it, prepare documents, follow up with the insurer and the garage until it's settled.