Cover for every vehicle on the road, chosen right the first time.
Motor insurance protects you against the risk of damage or loss to your vehicle, and against third-party liability while it's driven or parked. Third-party cover is compulsory by law in India — comprehensive cover is what actually protects you.
Types of car insurance we offer
Car insurance policies are classified by how much they cover — from the legal minimum to full protection. We help you weigh the trade-off and pick what actually suits your vehicle, usage and budget.
Third-Party Car Insurance
The legal minimum in India. Covers injury, death or property damage caused to a third party — it does not cover your own vehicle.
Standalone OD Insurance
Covers damage to your own vehicle only — typically paired with a separate third-party policy you already hold.
Comprehensive Car Insurance
Combines own-damage and third-party liability in one policy — our most recommended option for full peace of mind.
Bundled Car Insurance
A long-term own-damage cover bundled with a third-party policy, bought together as a single package.
Pay As You Drive
Premium is linked to how much you actually drive — a fit for low-mileage or occasional drivers.
Motor Floater Insurance
A single policy covering multiple vehicles owned by the same policyholder, under one sum insured.
Filing a claim, done in the right order
A well-run claim avoids delays, unwanted back-and-forth and the risk of outright rejection. Here is exactly what happens, for both comprehensive and third-party policies.
Comprehensive car insurance
Own-damage claim, in four steps
Intimate your insurer immediately
Inform the insurance company right away — every policy has a timeline within which you must report an incident to remain eligible for the claim.
File an FIR
Register a police FIR at the nearest station as early as possible — it becomes a key document in claim processing and settlement.
Schedule the inspection
The insurer arranges inspection within a day or two. Don't get the car towed before that — the surveyor will then direct you to the nearest network garage.
Settle the claim
Once repair costs are estimated and approved, confirm what you'll bear out-of-pocket, so you know exactly what to expect at handover.
Third-party car insurance
Third-party liability claim, in four steps
Inform the insurer
Report the incident immediately to activate claim assistance and receive a reference number to track your claim.
File a police FIR
An FIR at the local police station is a mandatory document for every third-party claim.
Motor Accidents Claims Tribunal
The claim is assessed by the tribunal, which passes judgement on financial liability — this stage can take time to conclude.
Settlement by the insurer
Once the tribunal rules, the insurer pays the third party directly, against your policy bond, licence, ID proof, tribunal order and (where relevant) medical documentation.
Protection for every kind of two-wheeler
An agreement between you and your insurer, where the insurer covers the financial liability arising from an accident involving your bike, scooter, scooty, electric two-wheeler or moped — under third-party, standalone own-damage, or comprehensive cover.
- Third-party liability coverMeets the legal requirement for every registered two-wheeler.
- Comprehensive own-damage coverProtects your own vehicle against accident, theft and natural calamity.
- Cashless repairsAt any network garage across India.
- Add-on coversReturn-to-invoice, consumables, zero depreciation, engine & gearbox protection, roadside assistance — added for an extra premium.
- No Claim Bonus20%–50% discount building up over 5 consecutive claim-free years.
Passenger Carrying Vehicle Insurance (PCV)
Covers commercial passenger vehicles against accident, fire, theft and natural calamity, along with third-party liability — plus optional cover for accidental injury to passengers.
Goods Carrying Vehicle (GCV) Insurance
A comprehensive policy built for vehicles that carry goods — covering accident, natural calamity and fire damage, along with third-party liability arising from the insured vehicle.
What you can expect, every time
We compare across insurers and stay with you through the claim — advisors, not one-time salespeople.
100% Satisfaction
Every plan is reviewed until it genuinely fits. Your trust is the only metric we track — not just the sale.
24/7 Support
Claims and questions don't wait for office hours, so neither do we. Support stays with you after the policy is bought.
Free Consultation
The first conversation costs nothing. We listen, understand your goals, then recommend — never the other way round.
All-India Insurers
Be smart with the right choice — compared across the maximum number of insurers.
Experts at Every Stage
Finding the right policy and filing claims has never been this easy.
Affordable Recommendation
Unprejudiced, simple advice built to help you achieve your goals — nothing oversold.
"Sparrowmint Team guided me for my BMW Motor insurance with maximum discount and lowest premium compared with all other insurance companies. Budget friendly."Rahim Khan — Vice-President, Mumbai
Ready to put the right cover on the road?
Tell us your vehicle and usage — we'll compare insurers and bring back the policy that actually fits, at no cost for the consultation.
Book Your Free Consultation →Motor insurance claims, made simple
What to do after an accident, damage or theft, and how to get your claim settled smoothly.
www.sparrowmint.in
Buy your motor insurance with Sparrowmint
Compare leading insurers, get the right cover at a fair premium, and have an expert beside you when you claim. Insure your car or two-wheeler with Sparrowmint Wealth Management Consultancy today.
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How to file an own damage claim
- Stay safe and documentTake photos or videos of the vehicle and the spot, and note witness details. Do not admit liability.
- Inform your insurerCall the helpline or use the app within 24–48 hours, or as your policy states, and note the claim number.
- File an FIR where requiredNeeded for theft, third-party injury or death, major damage, riots or suspected foul play.
- Get the survey doneDo not repair or move the vehicle before inspection unless it is unsafe.
- Repair and approvalUse a network garage for cashless repair, or any garage for reimbursement, once the estimate is approved.
- Settle and collectPay your share (deductible, depreciation, non-covered items), collect the vehicle and sign the satisfaction voucher.
Documents usually required
- Signed claim form
- Policy copy and RC
- Valid driving licence
- FIR copy and damage photos
- Repair estimate, invoice, receipts
- KYC and bank details
Theft, total loss and third-party
- Theft or total loss: file an FIR at once; settlement is on the Insured Declared Value (IDV).
- Submit the untraced report, original keys and RC.
- Third-party claims: inform the insurer and do not settle privately.
Timelines and tips
Settlement timelines
- Survey report is generally due within 15 days of the surveyor's appointment.
- Settlement or rejection is generally due within 30 days of receiving all documents.
- Delayed or rejected? Ask for the reason in writing, then escalate to the Grievance Officer, the Insurance Ombudsman or IRDAI's Bima Bharosa portal.
Quick tips
- Renew on time; claims on a lapsed policy are not payable.
- Zero Depreciation and Engine Protect add-ons reduce your out-of-pocket cost.
- For very small damage, compare repair cost with your No Claim Bonus before claiming.
- Drunk driving, an invalid licence or unauthorised use can lead to rejection.
Need help with a claim or choosing a policy?
Speak to Ms. Vibha Pandey, IRDAI Registered Insurance Expert, Sparrowmint Wealth Management Consultancy.
Phone: 9892638124 / 02245670798
Email: info@sparrowmint.in
Web: www.sparrowmint.in
General information only. Procedures, timelines and documents vary by insurer and policy; refer to your policy wording. Insurance is the subject matter of solicitation.