Online Vehicle Insurance — 2W / 3W / 4W (Third-Party & Comprehensive)

Why Choose Harsiddhi for Vehicle Insurance (Gujarat & PAN India)

• Authorized Partner: We facilitate policies only through IRDAI-approved insurers using authorized channels.
• 100% Online Process: Compare quotes, complete KYC, pay premium and receive policy documents digitally — no office visits required.
• No Service Markup: We do not charge any extra fee — you pay only the insurer premium and statutory taxes.
• Fast Issuance: Instant policy issuance for most renewals and new policies (subject to insurer validation).
• Gujarat-Focused Support: Local assistance for Vadodara and Gujarat customers for claims coordination and documentation help.
• Comprehensive & TP Options: Both Third-Party (statutory) and Comprehensive (own damage + TP) covers available.

Our Insurance Services — What We Offer

• Two-Wheeler Insurance (Bike / Scooter): New policies, renewals, long-term policies and add-ons (NCB protection, zero-dep, roadside assistance).
• Three-Wheeler Insurance: Commercial and passenger vehicle covers, third-party & comprehensive options.
• Four-Wheeler Insurance (Car): New car insurance, renewals, OD-only, comprehensive and add-ons (zero-depreciation, engine protection).
• Commercial Vehicle Insurance: Light & heavy commercial vehicle policies for business operations.
• Policy Renewals & Mid-term Endorsements: Change of vehicle details, engine/transmission cover, owner change endorsements.
• Claims Support & Guidance: Assistance with claim intimation, document checklist and insurer liaison (Gujarat priority).
• Policy Comparison: Clear comparison of premiums, coverage, deductibles and add-ons to help you choose the best product.

How the Online Process Works

1. Share vehicle details: Registration number, make/model, year, current policy (if any) and owner details via WhatsApp or form.
2. Compare quotes: We pull real-time quotes from authorized insurers and present clear options.
3. Select cover & add-ons: Choose Third-Party or Comprehensive cover, deductible and add-ons (NCB protection, roadside assistance).
4. Complete KYC & pay premium: Digital KYC (Aadhar/eKYC, PAN) and secure online premium payment.
5. Policy issuance: Digital policy & e-certificate delivered instantly or within insurer SLA.
6. Post-issue support: Documents, ID cards and claim guidance provided; local Gujarat support for claim coordination.

Important Notes & Customer Commitments

• We are an intermediary and authorized partner — all policies are issued by IRDAI-regulated insurers.
• No hidden fee policy — we do not charge commission or convenience fees to customers; you only pay insurer premium and applicable taxes if invoiced by the insurer.
• Policy terms, cover limits and claim decisions are governed by the insurer’s policy Wordings and IRDAI regulations.
• For accurate premiums, provide correct vehicle and owner details — incorrect info can lead to policy voidance or claim repudiation.

Vehicle Insurance — Frequently Asked Questions (25+)

Q1: Do you charge any extra fee for buying insurance through you?

A1: No. We do not charge any extra fee. Customers pay only the insurance premium and statutory taxes charged by the insurer.

Q2: Is the policy valid PAN India?

A2: Yes — motor insurance policies issued by IRDAI-approved insurers are valid across India. We provide PAN India issuance and Gujarat-focused support.

Q3: Can I buy a policy online for my bike/car?

A3: Yes — the entire process is digital: quote comparison, KYC, payment and policy delivery are handled online.

Q4: What is the difference between Third-Party and Comprehensive cover?

A4: Third-Party insurance covers liability to third parties (statutory minimum). Comprehensive cover includes third-party liability plus own-damage cover for your vehicle.

Q5: How fast will I receive the policy document?

A5: Most renewals and new policies are issued instantly or within insurer SLA after successful payment and KYC. Delivery is typically via email/WhatsApp as e-policy.

Q6: Can I renew an expired policy?

A6: Yes — you can renew an expired policy. Renewal within 90 days usually retains your NCB when a proper renewal & insurer conditions are met; some insurers may require inspection if expiry is long.

Q7: What is NCB (No Claim Bonus)?

A7: NCB is a discount on your own-damage premium for claim-free years. We ensure NCB is applied correctly during renewal if records permit.

Q8: Do you provide claim assistance?

A8: Yes — we guide you through claim intimation, document submission and insurer liaison. Local Gujarat customers receive priority coordination support.

Q9: Can I add zero depreciation cover?

A9: Yes — zero-dep and other add-ons (engine protection, roadside assistance, NCB protect) can be added for an additional premium where available.

Q10: Do you handle insurance for commercial vehicles?

A10: Yes — we facilitate commercial vehicle insurance including goods and passenger vehicles, subject to insurer underwriting rules.

Q11: How do I update owner or engine details mid-term?

A11: Mid-term endorsements (owner change, engine replacement, address change) are processed via insurer endorsement flows. We assist in submission and approvals.

Q12: What documents are required to buy a policy?

A12: Vehicle RC, owner KYC (Aadhar / PAN), previous policy (for renewal), and insurer-specific forms for NCB transfer if applicable.

Q13: Do you provide insurance for used vehicles?

A13: Yes — used vehicle insurance (transfer/renewal/new insurance) is available with premium based on vehicle age and insurer rules.

Q14: Will I lose NCB if I make a claim?

A14: Making a claim for own damage may affect NCB depending on insurer policies; some insurers offer NCB protection add-ons to preserve discount.

Q15: Can I get a long-term two-wheeler policy?

A15: Yes — certain insurers offer long-term (2–3 year) policies for two-wheelers which may be cost-effective. We present options where available.

Q16: How are premiums calculated?

A16: Premiums depend on vehicle cubic capacity, make/model, age, location, declared IDV (Insured Declared Value), add-ons and driver details. We provide transparent breakup of premiums.

Q17: Do you help with policy endorsements after purchase?

A17: Yes — we assist with mid-term changes and endorse policy records with the insurer as necessary.

Q18: Can I cancel a policy after purchase?

A18: Policy cancellation terms are governed by the insurer. Refundable premium (if any) and short-period scales apply; we help process cancellations if required.

Q19: How do I file a claim for an accident?

A19: Intimate the insurer immediately via their claim portal or helpline, lodge FIR if required, gather photos and documents, and notify us for assistance. We help with the claim documentation and follow-up.

Q20: Is insurance mandatory in Gujarat?

A20: Yes — motor insurance (at least Third-Party) is mandatory nationwide including Gujarat under the Motor Vehicles Act.

Q21: Do you offer cashless claims at garages?

A21: Cashless claims depend on insurer tie-ups with network garages. We guide you to insurer-approved garages for simplified claim settlement.

Q22: Can I buy insurance for a vehicle registered in another state?

A22: Yes — motor insurance is PAN India. Ensure correct registration details (RC) are provided for accurate premium and policy validity.

Q23: How do I check policy status after purchase?

A23: We deliver the e-policy via WhatsApp/email. You can also verify the policy on the insurer portal using policy number and owner details.

Q24: What add-ons should I consider?

A24: Zero depreciation, engine protection, roadside assistance, consumables cover, and NCB protect are common add-ons. Selection depends on vehicle age, usage and budget.

Q25: Do you support corporate/fleet insurance?

A25: Yes — we assist with corporate and fleet insurance programs subject to insurer underwriting rules and coordinated documentation.

Q26: How do I transfer my policy when selling the vehicle?

A26: Policy transfer on sale requires insurer endorsement and submission of NOC and buyer details. We facilitate the transfer process as per insurer guidelines.

Q27: Are refunds processed if insurer cancels a policy?

A27: Refund rules follow insurer policy terms. We coordinate with the insurer to calculate refund amounts and process them per the short-period scale.

Q28: Does location (Gujarat vs other states) affect premium?

A28: Yes — location (city/state) affects premium due to zone rating, theft/accident statistics and salvage values. We show location-adjusted quotes during comparison.

Q29: Can I get insurance for imported vehicles?

A29: Insuring imported vehicles requires specific underwriting; we assess feasibility and coordinate with insurers for bespoke solutions.

Q30: How secure is online premium payment?

A30: Payments are routed via insurer/payment gateway secure channels (PCI-DSS compliant). We never store card details; all payments go directly to insurer gateway.