Motor Insurance
Why is motor insurance mandatory in India? Can’t I just drive carefully?
Even if you’re the world’s most careful driver, you can’t control other people on the road! The Motor Vehicles Act makes third-party insurance mandatory because accidents happen, and someone needs to pay for damages. Without insurance, you could face heavy fines or even jail time. Plus, careful drivers get rewarded with No Claim Bonus discounts!
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What's the difference between third-party and comprehensive motor insurance?
Simple comparison:
Third-party insurance
Covers damage you cause to others (mandatory minimum)
Comprehensive insurance
Covers others + your own vehicle damage
Which vehicles can I insure and what affects my premium?
You can insure pretty much anything with wheels:
Cars and SUVs
Cars and SUVs
Cars and SUVs
Cars and SUVs
Cars and SUVs
Your premium depends on:
- Vehicle age and type (older = usually cheaper)
- Vehicle value and model (luxury or high-value cars = higher premium)
- Your location (metro cities cost more due to higher risk)
- Your claim history (accident-free = No Claim Bonus discounts)
- Your claim history (accident-free = No Claim Bonus discounts)
How do I claim motor insurance? Is it complicated?
Here’s the simple 6-step process:
01
Call immediately
Inform insurer/AIMS within 24 hours
02
File FIR
If it’s a major accident
03
Take photos
Document the damage
04
Repair or get reimbursed
At network garage or get money back
05
Get surveyor inspection
They’ll assess the damage
06
Submit documents
Claim form, driving license, RC
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We are availing the services of AIMS for our company’s insurance needs and have found their service to be reliable and professional. Their support and responsiveness make them a trusted partner for our insurance requirements.
Maya George
I had a great experience with AIMS. The team was very easy to work with. They gave us all the information we needed to make the right choice for health insurance that suited our needs the most.
Maya Gopi
I had a great experience with the service at AIMS Thrissur branch. I have no words to express my appreciation for the staff at this branch. The entire team operates with professionalism.
Farhan
A very prompt and really helpful broking team. Their Kochi office was very helpful and supportive in all my insurance needs…I strongly recommend their service for any type of insurance needs.
Rithu
While dealing with AIMS Cochin office for the settlement of my claim, i really impressed with the service provided by the team in that office especially the staff Ms Renya who was attending my claim.