Motor Insurance

Third-party cover is the legal minimum and only pays for damage you cause to others. It doesn't cover damage to your own vehicle. Comprehensive cover costs more but protects your own vehicle too — worth it for most owners unless the vehicle is very old and low in value.

Your No Claim Bonus (NCB) is tied to your claims history, not your insurer, so it transfers when you switch — you'll need an NCB retention letter from your previous insurer. NCB can reduce your premium by up to 50% after several consecutive claim-free years, so it's worth protecting.

For a new or recent-model vehicle, usually yes — without it, the insurer deducts depreciation on parts during a claim, which can significantly reduce your payout on a repair. For an older vehicle, the add-on's cost-benefit is less clear cut and worth reviewing case by case.

Typically your policy copy, RC (registration certificate), driving licence, FIR (for theft or major accidents), and repair estimates or bills. Having these ready and notifying your insurer promptly after an incident makes the claims process considerably smoother.

Yes — motor insurance must be transferred to the new owner within 14 days of sale, along with the RC transfer. This isn't optional; an untransferred policy can create liability complications for the seller if the vehicle is involved in an incident afterward.