Car insurance
Third-party and comprehensive cover, with useful add-ons.
General Insurance
Protect what you own, from your car to your shop
Motor, home, travel, shop/office, fire and marine insurance — compared, explained and renewed on time.
Explained simply
What is general insurance?
General insurance covers your assets and liabilities — vehicles, home, belongings, travel and business property — against loss or damage for a defined period, usually one year.
Because policies renew annually, exclusions, add-ons and the insured value matter every time. We help you check these at purchase and each renewal.
At a glance
- Short-term annual policies
- Add-ons customise cover
- Insured value must be set correctly
Plans & options
Covers we help with
Two-wheeler
Mandatory third-party plus own-damage options.
Commercial vehicle
Goods carriers, passenger vehicles and fleet cover.
Home insurance
Structure and contents against fire, theft and natural events.
Travel insurance
Medical emergencies, baggage and trip disruptions.
Shop / office
Property, stock and equipment cover for small businesses.
Fire
Cover for fire and allied perils to buildings and stock.
Marine
Transit cover for goods moving by road, rail, sea or air.
Benefits
Why general insurance matters
Tax statements are as per prevailing tax laws and subject to conditions.
Legal compliance
Third-party motor cover is mandatory in India.
Financial protection
Avoid large out-of-pocket repair or replacement costs.
Useful add-ons
Zero depreciation, engine protect, roadside assistance and more.
Renewal reminders
We remind you before cover lapses.
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Premium, claim process and garage network side by side.
Claim assistance
Help with surveys, documents and follow-up.
Who should consider it
Is this right for you?
- Car & bike owners
- Homeowners & tenants
- Frequent travellers
- Shop owners
- Transporters & traders
How we help
How we help — including at claim time
- 1
Tell us what you own
Vehicle, property or business details.
- 2
Compare quotes
Cover, add-ons, deductibles and network.
- 3
Buy & get documents
Digital policy delivered quickly.
- 4
Renew & claim support
Reminders and guidance when you need to claim.
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Third-party vs comprehensive motor insurance
| Third-party only | Comprehensive | |
|---|---|---|
| Legal requirement | Mandatory | Optional |
| Own vehicle damage | Not covered | Covered as per policy |
| Third-party liability | Covered | Covered |
| Add-ons available | No | Yes |
FAQs
General Insurance: common questions
Is third-party car insurance enough?
It meets the legal minimum but does not cover damage to your own vehicle. Comprehensive cover is worth considering.
What is zero depreciation cover?
An add-on that reduces the depreciation deduction on parts at claim time, subject to policy terms and limits.
What is IDV?
Insured Declared Value is the maximum sum payable on total loss or theft. Setting it correctly affects both premium and claim.
Can I insure my shop's stock?
Yes — shop and fire policies can cover stock, fixtures and equipment. The sum insured should reflect actual values.
What if my policy has lapsed?
A break in cover may affect no-claim bonus and require inspection. Renew on time or tell us and we will guide you.
Free consultation
Get free guidance on general insurance
Tell us a little about yourself. We will call you back to understand your goals — no pressure, no jargon.
- Call us+91 88288 99979
- Message usWhatsApp Enquiry
- Emailsupport@nivaraedge.com
- Visit01, Building No. 80, Poddar Samruddhi Evergreen, Badlapur East, Thane – 421503, Maharashtra, India
- Office hours
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