Motor Insurance

The highest discount, not just the cheapest plan.

RiskPe compares motor insurance across India's top insurers and finds you the real best deal, the one with the right coverage and the highest discount you actually qualify for. Not just whatever is cheapest on paper.

Compare My Motor Insurance
No commission bias
Compare 10+ insurers
Cars, bikes, commercial fleet

Most people overpay on motor insurance without knowing it

Up to 50% NCB
No Claim Bonus can reduce your premium significantly, but many policyholders lose it by switching insurers incorrectly at renewal.
IDV mismatches
An incorrectly set Insured Declared Value means you either overpay on premium or get underpaid at claim time. Both are common.
Add on overload
Unnecessary add ons inflate your premium without adding real protection. We help you pick only what you need.

What RiskPe checks before you buy or renew

Comprehensive vs Third Party
We assess whether comprehensive cover or third party only makes sense for your vehicle age and usage.
No Claim Bonus Protection
We ensure your NCB transfers correctly when switching insurers, so you never lose years of accumulated discount.
IDV Accuracy
Insured Declared Value set correctly, so your premium and your claim payout both reflect your vehicle's real worth.
Add On Selection
Zero depreciation, engine protection, roadside assistance — only the add ons that actually matter for your vehicle.
Two Wheeler Coverage
Dedicated comparison for bike and scooter insurance, often overlooked but equally important.
Commercial Fleet
Fleet insurance for businesses running multiple vehicles, with consolidated renewal management.

Built for every kind of driver

First Time Car Owners
Buying your first comprehensive policy and want to understand what coverage actually means.
Renewal Shoppers
Your policy is up for renewal and you want to know if you are getting the best deal available.
Fleet Owners
Managing insurance across multiple commercial vehicles and want a single point of coordination.

When you need to file a motor claim

Motor insurance claims for own damage or third party liability can get stuck in surveyor delays, documentation disputes, or settlement negotiations. RiskPe's claim support team steps in when your claim is delayed or disputed.

Already have a stuck motor claim? RiskPe reviews it for a fee that is refunded in full if we find the claim is not payable. See how claim recovery works.

Common questions about motor insurance

Can RiskPe get me a cheaper motor insurance premium?
We compare your motor insurance across multiple insurers to find the right balance of premium and coverage, including your eligible No Claim Bonus and applicable discounts. The goal is the best value, not just the lowest number.
Do you handle bike insurance too?
Yes, RiskPe compares and advises on both two wheeler and four wheeler insurance, as well as commercial vehicle fleet policies.
What if my motor insurance claim is rejected?
Our claim consultancy reviews rejected motor insurance claims for a fee that is refunded in full if we find the claim is not payable. You get a straight answer on whether the rejection was valid and what your options are, and on a successful recovery we are paid a share of what is recovered.
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