Comprehensive Automobile Insurance
Protect your car, your peace of mind, and your savings all in one policy.
Your Journey Deserves the Right Protection
Choosing the right automobile insurance can feel complex, but it doesn't have to be. At Norisk, we make finding the perfect coverage simple. As an independent corporate agent, we work for you, not the insurance companies. We shop, compare, and customize policies from top national providers to ensure you get maximum protection at the best possible price.
Why Choose Norisk for Your automobile insurance?
We're more than just a quote engine we're your personal insurance advisor.
Independent Expertise
Maximize Savings
Personalized Advice
Simple Claims Support
Choose Your Perfect Coverage
We offer flexible policy types to give you the right level of protection:
Comprehensive Automobile Insurance
Most Recommended- Complete 360° Protection: Covers damages to your own vehicle and third party liabilities.
- Own Damage Cover: Financial protection against damages due to accidents, fire, theft, as well as natural and man-made calamities (floods, cyclones, riots, etc.).
- Third-Party Cover: Includes legal and financial liability for damage, injury, or death caused to a third party by your vehicle.
- Personal Accident Cover: Compulsory cover for the owner-driver up to ₹15 Lakh in case of accidental death or permanent disability.
Third-Party Liability Only Insurance
Mandatory by Law- Legal Compliance: Meets the minimum requirement under the Motor Vehicles Act, 1988.
- Third-Party Cover Only: Covers legal and financial liability for damages, injury, or death caused to a third party.
- Note: Does NOT cover any damage to your own vehicle.
Boost Your Protection with Smart Add-ons
Attach these to your Comprehensive plan for extra peace of mind.
Zero Depreciation
What it Protects : Metal, plastic, and rubber parts of your car.
Why You Need It : Get the full claim amount for replaced parts without depreciation deduction. Also called 'Bumper-to-Bumper' cover.
Engine & Gearbox Protect
What it Protects : The car's engine and gearbox assembly.
Why You Need It : Covers damages due to water ingression (e.g., in floods) or oil leakage, which a standard policy often excludes.
24×7 Roadside Assistance
What it Protects : You, when your car breaks down.
Why You Need It : Get instant help for flat tyres, empty fuel tank, minor repairs, and towing services nationwide.
NCB Protector
What it Protects : Your accrued NCB discount.
Why You Need It : Protects your valuable NCB discount (up to 50%) even after making a single claim during the policy period.
Return to Invoice (RTI)
What it Protects : The original on-road price of your car.
Why You Need It : Get the full original invoice value (including registration and road tax) in case of total loss or theft.
Consumables Cover
What it Protects : Items like nuts, bolts, engine oil, and grease.
Why You Need It : Reimburses the cost of consumables used during repair following an accident.
Quick Explainer of Common Coverage Terms
Liability
What it Protects : Other people's property and medical bills if you cause an accident.
Why You Need It : Required in most states. Protects your assets from lawsuits.
Collision
What it Protects : Damage to your vehicle resulting from an accident with another vehicle or object.
Why You Need It : Pays to repair or replace your car, regardless of fault.
Comprehensive
What it Protects : Damage to your car from non-collision events (e.g., theft, fire, hail, vandalism).
Why You Need It : Essential for protecting your investment from the unexpected.
Personal Injury Protection (PIP) / Medical Payments
What it Protects : Medical bills for you and your passengers after an accident.
Why You Need It : Covers expenses quickly, regardless of who was at fault.
Uninsured / Underinsured Motorist
What it Protects : Damage and injuries caused by a driver with little or no insurance.
Why You Need It : Protects you when the other driver can't cover your costs.
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