Motor
Insurance
Comprehensive shields for personal vehicles.
Secure your cars and two-wheelers against accidental damage, theft, natural disasters, and third-party liabilities. We help negotiate zero-depreciation covers and return-to-invoice benefits.
BP & AF Auto Shield
Personal Insurance • Motor Lines
Visualizing Vehicle Protection
“A vehicle represents freedom, convenience, and a major capital investment. We protect it with absolute underwriting precision.”
Standard motor policies often have complex fine print regarding depreciation deductions and exclusions. At BP & AF Insurance Brokers, we act as your advisors, helping you compare insurer options, optimize your Insured Declared Value (IDV), and procure key add-ons so that you get stress-free claims.
Certified Broker Guidance
We analyze exclusions, co-payment terms, and claim payout records from 18+ underwriters so you don't face surprises.
Custom Add-on Packages
Configure Zero Depreciation covers, Engine Protection shields, and Key replacements tailored to your driving habits.
Priority Claims Concierge
Get immediate support for roadside assistance, towing logistics, surveyor coordination, and claim status updates.
Interactive Policy Builder
Step through our configuration parameters to formulate your customized coverages. We will benchmark policy structures matching these details.
Select Vehicle Type
Choose your primary asset type for custom underwriting limits.
Private Car
Four-wheeler family / luxury vehicle covers
Two-Wheeler
Motorcycle / scooter travel security
Commercial Vehicle
Trucks, delivery vans, passenger fleets
Configured Cover
Policy Comparison
Determine whether legal compliance suffices or if you require total asset damage insurance protection.
Third-Party Liability
Regulatory Mandatory
- Legally mandatory under Motor Vehicles Act, India.
- Covers third-party death / permanent disability claims.
- Covers property damage claims up to ₹7.5 Lakhs limit.
- No coverage for own vehicle accident repairs or replacement.
- No option to configure engine, keys, or zero-dep riders.
Comprehensive Cover
Recommended
- Covers ALL third-party liability claims.
- Covers self-accidental damage repair costs.
- Safeguards against vehicle theft and total loss payouts.
- Covers fire, flooding, cyclone, and riot damages.
- Fully configurable with Zero Depreciation & Engine Protection.
What's Covered
Understand the specific incident scopes covered under our partner underwriting frameworks.
Accidental Damage
Covers repair bills for physical body damages, structural parts, and denting jobs due to road collision incidents.
Fire Coverage
Saves you from loss arising out of self-ignition, lightning strikes, explosion, or localized engine fire situations.
Theft Protection
Provides full Insured Declared Value (IDV) payouts if your registered vehicle is stolen and untraceable.
Natural Disaster
Reimburses component restoration costs due to cyclones, flooding, earthquakes, landslides, or hailstorms.
Riot & Strike Perils
Guard your vehicle against malicious damage, civic unrest, strikes, vandalism, and anti-social destruction.
Third-Party Liability
Legal coverage covering third-party injury compensations and property damages awarded by courts.
Personal Accident Cover
Provides mandatory ₹15 Lakhs lumpsum compensation shield for owner-driver in case of severe road accidents.
Optional Add-on Riders
Add extra layers of protection to eliminate out-of-pocket costs on replacements and labor.
Zero Depreciation
Prevents depreciation deductions during claim evaluations, guaranteeing full reimbursement on parts.
Engine Protection
Covers engine block repairs & component replacements due to hydrostatic lock or lubrication leakages.
Roadside Assistance
Emergency towing support, flat tyre change, dead battery jumpstarts, and minor mechanical fixes.
Key Replacement
Reimburses locksmith costs and key fob replacement bills if vehicle keys are lost or locked inside.
Consumables Cover
Covers expenses for oil, coolants, nuts, washers, and filters that are normally excluded.
No Claim Bonus Protect
Maintains your premium NCB discount percentage even if you log an accidental repair claim.
Return to Invoice
Pays back the complete on-road invoice amount including road tax if the vehicle is written off.
Claims Process
Our advisors handle claims directly with surveyor networks and garage managers so you can relax.
Phone Call
Notify BP & AF claims concierge immediately after the incident. We guide you on safe towing.
Document
Submit digital copy of RC, driving licence, policy schedule, and accident pictures.
Surveyor
Underwriter assigns a surveyor. We negotiate the repair approval limits within 24 hours.
Garage
Vehicle undergoes repairs at authorized cashless network garages.
Claim
We track component approvals & parts exclusions to optimize out-of-pocket costs.
Settlement
Delivery of vehicle after cashless billing verification directly to the garage.
Required Documents
Keep these documents ready to ensure instant claim survey clearances.
Registration Card (RC)
Mandatory registry validation of engine/chassis numbers.
Driving Licence
Drivers licence validation at the time of collision.
Insurance Copy
Active policy certificate schedule detailing coverage rules.
Repair Estimate
Authorized garage quote detailing parts replacement bills.
Police FIR File
Legally mandatory for third-party injury claims or severe accidents.
Vehicle Photos
Digital verification images of car dents, engine, & plates.
Underwriting & Coverage FAQ
Standard motor policies deduct depreciation on replaced parts (plastic, rubber, metal) during claims. Zero-Dep cover pays the full cost of replaced parts without any depreciation deductions.
Request Motor Proposal
Provide your registration details below. We will coordinate underwriting approvals and quote comparisons for your vehicle.