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Driving a vehicle is not a luxury but it is a huge responsibility. Even driving is considered by many to be an enduring image, especially in an overlying country like the Republic of India, where people believe in showing off. With rising mileage slabs, currently having a vehicle is not a big deal and others can only afford to have a bike and a car. It not only shows the status of a society but also raises the level and hence saves time. Driving is also eliminating dependence on common public transport.

It is true that driving has made our life comfortable but at the same time it is also pushing us towards a dangerous life. As someone justified that "the speedway ends at the graveyard". People not only risk their lives in the name of arrogance but also injure others by driving their vehicles at high speed. Daily reports of accidents have yet to be a specific issue within the newspaper as far as the deaths. People lose their lives in road accidents by breaking the traffic rules and they also endanger the lives of others by not following the driving ethics. Also, the price of spare components with high repair prices squeeze your pocket which proves that having a good motor contract is important lately.


Motor insurance is mainly bought for vehicles plying on roads, the primary objective of which is to provide protection to the vehicle and hence to protect the driver from any physical damage in the event of an accident. Several factors are important when shopping for motor insurance:
  • Mandatory by Law:

    The most important reason to buy motor insurance is that it is mandated by law. As per the CAR Act, it is necessary to have a third-party insurance. The police have the right to visualize your vehicle documents such as PUC, license and contract at any time. If you are unable to provide documents, you will be in trouble. Therefore, it is prudent to buy motor insurance before hitting the road.


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  • Damage and Damage to Vehicle:

    We all have a tendency to understand that individuals don't have the slightest sense of driving and hence proper traffic management in our country, there are some days when you don't bang vehicles cause damage . The most important reason to have motor insurance is that it covers the expenses incurred due to any loss or damage to your vehicle. So it is always smart to broadcast the safe aspect and get a motor insurance before riding your bike or automobile on the roads.


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  • Minimizes Your Liability:

    Third Party Liability (TPL) motor insurance is important in the Republic of India, which protects you from the legal effects of an associated accident caused by you. TPL means that if you cause damage to a person and his property {in connection with the other} in an accident, the insurance pays for his treatment and prevents legal ramifications.

  • Hospitalization:

    Not every vehicle owner is lucky enough to get hurt due to only a few cuts in an accident. Some accidents put you in a very difficult position, and you will want to be hospitalized. During this situation, your motor non-depository financial organization pays your hospital bills, rather than eliminating high hospital and treatment costs from your own pocket.

  • Compensates your family on your demise:

    Some accidents are so terrible that it results in the death of an automobile owner, the most unfortunate consequence of a road accident. Once the bread earner policyholder gives up the ghost, it becomes difficult for his family to fulfill their daily wishes. Hence, a motor contract helps the family with up-to-date expenses in case of any unfortunate event.

~ author Jagbir