info@dhanmithra.in +91 95399 45467
Automobile Protection

Motor Insurance Solutions

On the Road with Confidence

Comprehensive Protection for Your Four-Wheeler & Two-Wheeler

Motor insurance is legally mandatory under the Motor Vehicles Act, but having the *right* policy matters far more than simply holding a compliance paper in your glove box.

At DhanMithra, we ensure you don't compromise critical coverage just to save a few hundred rupees. From Zero-Depreciation add-ons that protect against fiber and plastic part depreciation to keeping your accumulated No Claim Bonus (NCB) intact when switching insurers, we give you transparent, practical advice.

Get Motor Insurance Quote Compare Coverage
Motor Vehicle Insurance Consultation
Categories

Vehicle Coverage Solutions

Facilitating reliable insurance packages across all personal and commercial vehicle classifications.

Private Car Insurance

Comprehensive own-damage (OD) and third-party liability (TP) coverage. Tailored Insured Declared Value (IDV) calculations to ensure fair market compensation in total loss scenarios.

  • Comprehensive or standalone OD covers
  • Protection against flood, theft, & vandalism
  • Personal accident cover for owner-driver

Two-Wheeler Policies

Protection for scooters, commuters, and superbikes against road mishaps, skid accidents, and third-party liabilities with multi-year policy options for extended peace of mind.

  • 1-year and multi-year renewals
  • Zero-depreciation available on new bikes
  • Fast, instant digital policy issuance

Commercial Fleet & Transport

Insurance solutions for passenger vehicles (taxis, tourist buses) and commercial goods carriers. Structured for minimal downtime and fleet risk management.

  • Comprehensive goods-carrying vehicle plans
  • Paid-driver & legal liability extensions
  • Bulk fleet renewal management

Essential Motor Insurance Add-Ons Worth Considering

Standard motor policies deduct 30–50% depreciation on rubber, plastic, and glass components during accidental repairs. These optional add-ons seal the financial gaps:

Zero Depreciation (Bumper to Bumper)

Eliminates out-of-pocket depreciation deductions on replaced car parts, ensuring near-100% claim settlement for accidental damage.

Engine & Gearbox Protector

Crucial for Kerala’s heavy monsoons. Covers hydrostatic lock caused by water ingression into the engine, which standard policies strictly exclude.

Roadside Assistance (RSA)

24/7 towing, emergency fuel delivery, flat-tire changes, and jump-start assistance across highways and cities throughout India.

Consumables Cover

Reimburses the cost of engine oil, nuts, bolts, lubricants, coolant, and AC gas which normally must be paid by the car owner.

Return to Invoice (RTI)

In the unfortunate event of vehicle theft or constructive total loss, RTI pays the full original on-road showroom purchase price plus road taxes.

NCB Protection Cover

Allows you to make one accidental claim during the policy year without losing your hard-earned 20% to 50% No Claim Bonus discount.

Compliance & Underwriting Notice: Motor insurance policies are underwritten and issued directly by IRDAI-licensed General Insurance Companies. DhanMithra acts as an intermediary facilitating comparison, documentation, and renewal management. We do not manufacture insurance or settle claims directly.

Is Your Vehicle Policy Due for Renewal?

Send us your current policy copy. We will check your NCB eligibility, optimize your IDV, and help you choose the most reliable network garage policy.

Request Motor Insurance Quote Explore Travel Services