Drive karo Risk Free with Motor Insurance Plan

Prevent financial losses that may occur due to unforeseen damages to your two-wheeler and four-wheeler

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Broker Licensed by IRDAI
Shiftrisk insurance policy
2 Lacs+ Policies Issued
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In-House Claims Management
96% 5 Star Rating

 What does the Motor Insurance Policy Cover?

Below are some common motor insurance policies in India for two- wheeler and four-wheeler

Standalone OD Cover icon
Standalone OD Cover

Covers you against damages caused by natural and man-made disasters as defined in scope

Third-party Legal Liability
Third-party Legal Liability

 Covers your legal liability to pay compensation for death or bodily injury to a third party and damage to third-party property.

Comprehensive Policy icon
Comprehensive Policy

Covers damage to the car due to accidents, car theft, losses to a third party, personal injuries or death caused in an accident, and damage caused in a fire.

Optional Add-on Covers

Bumper to Bumper

Add-on parts for cars can be expensive. Having this add-on relieves the policyholder by paying the full value of the part during the time of a mishap.

Engine Protect

Covers against the loss or damage caused by ingress of water in the engine or by leakage of lubricating oil from the engine. 

Tyre Protect

As long as the damage is accidental and not due to negligence or poor maintenance, expenses for repair and/or replacement will be covered.

Personal Accident Cover

Owner-operators are protected against accident-related injuries or the financial security of their loved ones in case of death by accident.

Roadside Assistance

If your car breaks down in the middle of a journey and leaves you stranded, a professional technician will come to the rescue with just a call to us. 

Car Accessories Cover

It's a financial coverage for the accessories, like a stereo system, reverse camera and more, in case of mishap or accident.

Drive stress-free by insuring your vehicle with a Motor insurance policy from ShiftRisk



No claim bonus

Save on your insurance premiums
if you go without making an 
insurance claim for some no. of years.

Cover beyond accidental damage

Save your bucks in case of accidental
damage, theft, natural calamity,
or dire vandalism.

Hassle-free Plan purchase and Renewals

Get personalised assistance in
plan selection, renewal reminders,
easy premium payments.

Easy Add-to-cart

Add or remove any specific add-on
cover as and when required.

Smooth Claim Process

Get personalised support on claims. Our experts will guide you throughout the claim process.

No Hidden Fees

No secrets. You’ll receive every minor
detail of the policy that you’re buying.

Many have Shifted their Risk

Rashmi Manjerekar
4 star rating

I was saving money for 10 years to buy my dream car, and finally I purchased it after a lot of research. However, I wanted to buy an extra cover for the engine and other accessories, and so I bought a base and add-on cover from Shift Risk. I am extremely happy with their plans and honest advice

Nitin Godse
4.5 star rating

Shift Risk Insurance Brokers offers a variety of insurance plans to meet the needs of individuals and businesses. Their staff is very knowledgeable, friendly, and helpful in selecting the best plan for your car insurance. I got exactly what I was looking for. Easy claim settlements and agile customer service were like a cherry on the cake.

Kirtan Bhatt
5-star rating

The team at Shift Risk helped me choose the best car insurance policy for my Honda City. Their insurance expert gave me honest advice and offered a plan that included everything I needed. They are very helpful and quick in responding to my queries. I would strongly recommend them to my friends and family.

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Which type of insurance policy should I purchase?

A third party insurance is nowadays compulsory for all automobiles riding on Indian Roads. It provides coverage for injuries and damages caused to the insured vehicle. Getting coverage for damage losses is better if you buy a comprehensive motor insurance plan. You can buy an Add-on cover as per your vehicle's usage and need.

How Motor insurance premium is calculated?

The premium calculation depends on various aspects like IDV, deductibles, cubic r seating capacity, previous history etc. Our ShiftRisk expert can help you compare various plans so you can make a feasible yet smart investment.

What to do in case of an accident?

Whenever you meet with such an unfortunate event, notify policy and take spot pictures immediately. Click pictures of your vehicle from all the required angels, especially the damages. Be ready with essential information like colliding party driver's number, vehicle number and documents like policy number, driving licence, etc. Get in touch with ShiftRisk customer support to file a claim on time.

What is meant by IDV?

 IDV stands for Insured's Declared Value. It is the value of a vehicle, which is arrived at by adjusting the current manufacturer's listed selling price with a depreciation percentage as prescribed by the tariff. 

For obsolete and aged vehicles over 5 years, the IDV will be the value agreed between the insurer and the insured.

What period does a Motor Policy get issued?

All motor policies are annual policies issued for twelve months. Although, policyholders may apply for an extension of their policy less than twelve months before it expires, with the approval of the competent authority. The policyholder must pay an additional premium for this extension.

This extension can be on a short period basis only if the competent authority approves it.

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