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What is Auto Insurance?

Auto insurance policy is mandatory for vehicle owners as per Indian Motor Vehicles Act 1988. This Plan is designed to give coverage for losses which insured might incur in case his gets stolen or damaged. The amount of Auto insurance premium is decided based on the Insured Declared Value of a car. The premium will increase, if you raise the IDV limit and vice versa.
Why do I need to insure my vehicle?
Auto insurance is mandatory for all vehicles that ply on roads-like car, trucks, etc. The prime objective of this type of insurance is to provide complete protection & coverage on physical damage or loss from man-made & natural disasters. According to Indian Motor Act 1988, an auto insurance policy is mandatory for every automobile owner in the country. Hence, purchasing an auto insurance is not just a necessity, it is mandatory by law.
Key Features of Auto Insurance
1) Policy protection against loss or damage to the covered vehicle
2) Coverage against financial liability caused due to injury or death of a third party or damage to the property.
3) Personal Accident Coverage.
4) Auto Insurance protects you for the below mentioned damages, should they occur:-

Types of Auto Insurance

1)Car Insurance
This insurance gives coverage against accidental damage or losses to the holder’s vehicle or third party. The amount of premium depends upon the make of the car, manufacturing year, value & state of registration.
2)Two Wheeler Insurance
This type of insurance is for scooters, bikes & features are similar to that of four-wheeler insurance.
3) Comprehensive Coverage
This type of coverage offers complete package policy wherein any damages to the vehicle will be covered up to the Insured Declared Value. Any third party property damage or third party injury/death can be covered. Policyholders feel less stressful as it gives end-to-end coverage.
4) Third Party Liability Coverage
Under the Motor Vehicles Act, third party liability coverage is legally mandatory. This type of auto insurance offers coverage against all legal liabilities to a third party caused when insured vehicle owner is at-fault. It insures injury/damage caused by policyholder to third person/property
5) Collision Coverage
It financially protects the policyholder against damage of insured’s own car. Collision coverage pays the policyholder for damage caused because collision which generally occurs due to an accident.
Add-On Riders
Add-on riders doesn’t take the depreciation value of the parts & allows you to receive the entire claim amount. It is generally available for cars under three years & allows eligibility to claim full amount for replacing/changing any damaged parts of your vehicle.
Exclusions from Auto Insurance
1) General ageing, wear and tear
2) Damage by a person driving without a valid driving license
3) Mechanical or electrical breakdown, failure
4) Damage by a person driving under the influence of Liquor/Alcohol/Drugs
5) Depreciation, any consequential loss
6) Loss /Damage attributable to War /Mutiny /Nuclear risks
7) Damage to tyres and tubes are excluded unless the vehicle is damaged at the same time. In such circumstance, the liability of the company shall be limited to 50% of the cost which includes replacement Loss /Damage

Important points to remember in the event of an accident

These documents must always be in your vehicle:-
1) Copy of policy/cover note
2) Car Registration Copy (RC Book)
3) Driving License Copy
To Initiate The Claim Process
1) Register an FIR
Note down the vehicle number involved in the accident,witness name and contact details. Initiate the claim process by calling on toll free number and providing the required details.
2) Get in touch with the contact centre & inquire for the network garage nearby. And in case, should you visit a non-networked garage, the bills will be settled after ascertaining the damages caused.

Two Wheeler Insurance

Just the way your bike has been a reliable companion through all your journeys, our two wheeler insurance is meticulously designed to be your bike’s ideal partner. As per the latest Motor Vehicle A​ct, insuring your two wheeler is compulsory. Get Reliance Two Wheeler Insurance within minutes and avoid paying a fine of Rs. 2000. We also offer comprehensive coverage for all top brands, including Hero, Honda, Yamaha, TVS, Suzuki, Royal Enfield & more.

For your convenience, here’s a policy that insures your bike for 3 long years in just 1 payment!​ Click here to know more about long term two wheeler insurance ​​-

Reasons why Reliance Two Wheeler I​nsurance is the perfect match for your beloved motorcycle.​

  • Instant renewal process
  • Customised add-on covers
  • Cashless facility at at ​750+ garages​*
  • ​Available at upto 50% discount*​*

Things You ​Need to Kn​ow About Two Wheeler Insurance​​​

Why is two wheeler insurance necessary?

  • Avoid Financial Losses:- ​Two Wheeler Insurance protects you against the financial losses that could occur due to unforeseen accidents.
  • Mandated by Law:- Riding without a valid two wheeler insurance policy is punishable by law.
  • Peace of Mind:- Being financially prepared even for the worst case scenario will give you a sense of peace.
  • Personal Accident Cover:- Stay protected against medical treatment costs arising from accidents


We, at Besecureindia General Insurance Company Ltd., comprehend your vehicle is family to you and you do your bit to guard it. Permit us to be a piece of the family and guarantee your vehicle against any sort of unforeseen circumstances, for example, mishaps or burglary, characteristic disasters.

Your vehicle protection strategy at Besecureindia, is an umbrella of administrations. It doesn’t just cover your vehicle, yet additionally an outsider vehicle and harms caused to it (if there should be an occurrence of a mishap). To purchase an online four wheeler protection, be it extensive, outsider or own vehicle protection, all that’s needed is a couple of snaps to tweak and purchase the correct one for yourself! You can think about vehicle protection costs by utilizing our vehicle protection number cruncher, apply for a vehicle protection restoration or even get vehicle protection cites, all online with a couple of simple advances.

Advantage of Besecureindia Car Insurance Policy

Phenomenal circumstances can expand the danger of a street mishap for all drivers, experienced or learners. Indeed, even a minor crash between vehicles out and about can bring about weighty fix costs. One approach to be set up against such circumstances is to purchase an appropriate vehicle protection strategy.

A vehicle protection strategy covers the guaranteed vehicle against misfortunes caused because of harms in a mishap, vehicle burglary, and regular disasters. You pay the arrangement premium to get a guaranteed total if there should be an occurrence of untoward episodes as canvassed in the strategy terms.

Being a vehicle proprietor in India, it is obligatory for you to purchase vehicle protection. Purchase vehicle protection online from Besecureindia, which goes about as a genuine companion at the hour of emergency. It gives inclusion to the misfortunes brought about in a mishap or vehicle robbery, hence sparing you from covering tremendous fix tabs from your own pocket. At Besecureindia, we guarantee that harms brought about to your vehicle won’t bring about a monetary weight for you.

  • Moment Acquisition of Vehicle Protection On the web
  • Secure Against Misfortune, Burglary and Harm
  • Extensive Inclusion
  • 13 Additional items to Browse
  • 24×7 Client care Help
  • No Case Reward Security Spread

Single Owner Multiple Vehicle Insurance

Owners having multiple vehicles may soon get an app-based single insurance policy. They will also get new options to financially protect their vehicles against any damages as insurers are planning to roll out unique features in their policies, reported The Indian Express. Insurance companies may offer insurance policies computed on the basis of driving pattern, distance covered while driving the vehicles or a first-of-its-kind mobile app-based single policy for multiple vehicles.

According to the report, insurance companies are gearing up to introduce innovative schemes such as ‘pay as you use’ or ‘pay how you use’ under pilot projects through the sandbox route. Various non-life insurance companies had filed as many as 173 proposals before the Insurance Regulatory and Development Authority of India (Irdai) under the regulatory sandbox structure out of which 33 proposals were accepted by the insurance regulator.

Commercial Vehicle Insurance

Whether you own and drive a commercial vehicle or you own the vehicle and someone else drives it, you are responsible for it completely. To stay safe in this situation, it’s always advantageous to have Commercial Vehicle Insurance.​

  • ​Coverage for a variety of situations
  • Quick and hassle-free settlement for your claims​

​If you need more information about the policy, feel free to call us on 7827366985.

What does the​​ policy cover?​

​​a) Loss or damage to your vehicle due to:

  • Riot, strike​
  • Earthquake
  • Malicious act
  • Terrorist activity
  • Landslide rockslide
  • Accident(external means)
  • Burgl​ary, housebreaking, theft
  • Inundation cyclone, hailstorm, frost
  • Fire explosion, self-ignition or lightning
  • Flood, typhoon, hurricane, storm, ​​tempest


b) Third-party insurance, which protects you against losses that occur due to bodily injury or death to a third party or any damage to that person’s property by use of your insured vehicle.

What is Fire Insurance?

Fire insurance is property insurance that covers damage and losses caused by fire. The purchase of fire insurance in addition to homeowners or property insurance helps to cover the cost of replacement, repair, or reconstruction of property, above the limit set by the property insurance policy. Fire insurance policies typically contain general exclusions, such as war, nuclear risks, and similar perils.


  • Fire insurance is property insurance that provides coverage for loss or damage to a structure damaged or destroyed in a fire.
  • Homeowner’s insurance usually covers fire damage but it may be capped at a rate that is less than the cost of the losses accrued, necessitating a separate fire insurance policy.
  • The policy pays the policyholder back on either a replacement-cost basis or an actual cash value (ACV) basis for damages.

What is Marine Insurance

 Marine insurance is another variant of the general term ‘insurance’ and as the name suggests is provided to ships, boats and most importantly, the cargo that is carried in them.

Marine insurance is very important because through marine insurance, ship owners and transporters can be sure of claiming damages especially considering the mode of transportation used. Of the four modes of transport – road, rail, air and water – it is the latter most which causes a lot of worry to the transporters not only because there are natural occurrences which have the potential to harm the cargo and the vessel but also other incidents and attributes which could cause a huge loss in the financial casket of the transporter and the shipping corporation.

What is Engineering Insurance

Engineering Insurance is an insurance policy that covers a wide range of engineering related risks. It is a comprehensive insurance that provides complete protection against risks associated with erection, resting and working of any machinery, plant or equipment. In addition to this, under the Factories Acts businesses are required to have certification on specific items of plant such as lifting plant, pressure vessels and steam boilers. Suitably qualified engineers employed by an insurance company can inspect such items at the required intervals and provide the necessary certificates/documentation to meet your obligations.

Types of Engineering Covers

  • Sudden and unforeseen damage cover including breakdown from internal defects
  • Machinery Movement – transit and erection
  • Accidental damage cover for plant and equipment
  • Computer equipment cover for loss or damage by almost any external cause
  • Contract works cover – Erection All Risks
  • Deterioration of Stock

What is Workman Compensation Insurance

One of the key responsibilities of a company is to provide a safe and healthy working environment. In an unfortunate event of an Employee suffering a bodily injury (temporary or permanent), or death during the course of employment ,Employer is legally liable to pay compensation to the Employee under the Employee’s Compensation Act 1923 and subsequent amendments of the said Act, The Fatal Accidents Act 1855, and at Common Law. Our policy provides protection to the employer against this statutory liability. In Indian context with the advent of global work environment and increased employee right awareness which can translate into costly law suits and exorbitant compensation the policy provides protection to the employers.

Factory Insurance

What is Factory Insurance

Every manufacturer invests huge capital in building up their businesses and sees it flourish. Since the future is uncertain a short circuit can reduce your assets to ashes, a burst pipe can flood your premises, an explosion at a furnace or boiler can wipe away years of effort. Natural calamities such as earthquake, storm and flooding can also put your property at risk. Insuring a factory requires experience of understanding the specific nature of the manufacturing and unique location risks associated with it. As per Industrial Policy professional advice on Factory Insurance in deciding on the type of cover, the extensions and add ons which are most relevant requires you to work with the right consultants. With years of hands-on expertise on Factory Insurance India, you can count on Edify to deliver cost-efficient, tailored property insurance solutions

Liability Insurance

Liability insurance provides the insured party with protection against claims resulting from injuries and damage to people or property. Liability insurance policies cover both legal costs and any payouts for which the insured party would be responsible if found legally liable. Intentional damage and contractual liabilities are generally not covered in these types of policies.

Cargo Insurance

Legally, all carriers must carry a minimum amount of insurance, known as carrier liability. However, carrier liability provides very limited coverage, and anything from natural disasters to vehicle accidents or even acts of war could damage your cargo. Therefore, shippers can request cargo insurance to protect their goods from loss, damage, or theft while in transit. Generally, goods are insured while being stored and while in transit, until they reach the buyer

Building Insurance

Building Insurance

Buildings insurance is an insurance policy that covers the financial cost of repairing damage to the physical structure of a property in the event of damage or theft. This includes the roof, floors and walls, as well as any fitted or permanent fixtures (i.e. a fitted kitchen). 

The cause of the damage is important. A typical policy will cover the holder from damage which is out of their control, and may include (without being limited to) the following:

  • Flooding;
  • Fires and arson;
  • Explosions;
  • Malicious damage and vandalism;
  • Storm damage, and that from falling trees.

There are often limits to what kinds of damage is included in your insurance policy, so it’s worth checking the details thoroughly before taking out a policy. This way, there’ll be no nasty surprises when you need to make a claim.

Miscellaneous Insurance

Miscellaneous Insurance

Accidents are common and sometimes cause fatal injury leading to disabilities or death. Personal Accident insurance is a benefit policy providing compensation in the event of an unfortunate event. It provides for the payment of compensation in the event of the Insured sustaining death or disablement by bodily injury, resulting solely and directly from accident caused by external, violent and visible means.

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