EXPLORE INSURANCE SOLUTIONS
General Insurance
Comprehensive own damage & third-party cover for motor vehicles, commercial properties, fire, marine cargo, and corporate liabilities.
Health Insurance
Family floater mediclaim plans, senior citizen cover, critical illness lump-sum benefits, and cashless hospital network planning.
Life Insurance
Term protection cover (โน1 Cr+), Human Life Value (HLV) analysis, guaranteed savings policies, pension, and child education goals.
General Insurance
Protect your vehicle, home, business and assets with smart insurance planning and powerful financial tools.
Asset Protection Canopy
Motor, Home, Factory, Shop & Truck
Motor Vehicles Act (Section 146)
Third-Party (TP) liability insurance is legally mandatory for all motor vehicles operating in public spaces under Section 146 Motor Vehicles Act 1988.
Bharat Griha Raksha Standard Terms
IRDAI standard home policy covers building structure on a reconstruction cost basis (excluding land value) and offers automatic 20% content cover up to โน10 Lakhs.
RBI Banking Zero-Liability vs Cyber Cover
RBI guidelines protect unauthorized electronic debits reported within 3 working days, while personal cyber insurance indemnifies broader digital fraud & legal costs.
Explore Insurance Solutions
Discover comprehensive coverage guidance across General, Health, and Life Insurance.
General Insurance
Motor/Car Insurance, Commercial fleets, Home & Structure cover, IDV calculations, and NCB rollover guidance.
Health Insurance
Family Floater policies, Senior Citizen coverage, Mediclaim calculators, and Section 80D tax deduction benefits.
Life Insurance
Term Life Insurance, Human Life Value (HLV) income replacement, retirement pension, and family milestone planning.
General Insurance Categories
Explore motor, home, travel, commercial, fire, marine, engineering, liability, and SME insurance solutions.
Motor Insurance
Third-party liability (STATUTORY REQUIREMENT under Motor Vehicles Act 1988) & comprehensive own damage cover for cars, bikes, and fleets.
Home Insurance
Safeguard building structure, electronics, furniture, and valuables against fire, floods, and burglary.
Travel Insurance
Schengen-approved overseas medical cover, flight cancellation, lost passport & baggage protection.
Group Health Insurance
เคธเคฎเฅเคน เคเฅ เคเคฐเฅเคฎเคเคพเคฐเคฟเคฏเฅเค เคเคฐ เคชเคพเคคเฅเคฐ เคชเคฐเคฟเคตเคพเคฐ เคธเคฆเคธเฅเคฏเฅเค เคเฅ เคฒเคฟเค เคธเฅเคตเคพเคธเฅเคฅเฅเคฏ เคเคฐเฅเคเฅเค เคเฅ เคธเคฎเคเคจเฅ เคเคฐ medical risk เคเฅ manage เคเคฐเคจเฅ เคฎเฅเค เคฎเคฆเคฆ เคเคฐเคจเฅ เคตเคพเคฒเคพ insurance concept.
Commercial Insurance
Workmen compensation, director & officer liability, public liability, and cyber security insurance.
Fire Insurance
Protection for manufacturing plants, warehouses, stocks, and commercial shops against fire perils.
Marine Insurance
Cargo transit insurance covering inland transportation, ocean freight, export, and import shipments.
Engineering Insurance
Contractors All Risk (CAR), Erection All Risk (EAR), and heavy machinery breakdown coverage.
Liability Insurance
Directors & Officers (D&O), professional indemnity, and third-party commercial liability shield.
Shop Insurance
All-in-one retail store package protecting inventory, cash counter, glass breakage, and fire.
Office Insurance
Protection for office premises, IT server hardware, electronic data, and employee liabilities.
Warehouse Insurance
Logistics godown, inventory stock declaration, and cold storage perils insurance.
SME Insurance Package
Bundled insurance policy designed specifically for Indian MSME enterprises and startups.
Featured Insurance Calculators
Calculate vehicle premiums, Insured Declared Value (IDV), property reconstruction costs, and travel coverage.
Vehicle Premium Knowledge Hub
IRDAI tariff motor quote estimator & 50+ FAQs.
Claim Assistance Academy
Step-by-step claim roadmap & document checklist.
Registration Lookup
Instant RTO vehicle details and owner verification.
Property & Home Insurance
Structure & contents reconstruction valuer.
Fire & Factory Risk Hub
Commercial liability and fire peril modeler.
Marine & Cargo Transit Hub
Inland and export marine transit insurance guide.
International Travel Hub
Schengen & global medical coverage quotes.
General Insurance Journey
From category selection to instant digital policy issuance & claim assistance
Insurance Knowledge Center
Master motor OD vs TP, NCB rollover, IDV calculation, fire perils, and IRDAI regulations.
Motor Insurance Essentials: OD vs Third Party & NCB
Third-Party (TP) insurance is statutory and covers legal liabilities for bodily injury or property damage caused to third parties. Own Damage (OD) covers physical damage to your own vehicle due to accidents, fire, theft, or natural calamities.
1. Insured Declared Value (IDV)
Maximum sum insured based on vehicle selling price minus age-based depreciation.
2. No Claim Bonus (NCB)
Discount on OD premium accumulating up to 50% for claim-free years.
3. Zero Depreciation Add-on
Ensures 100% claim payout for rubber, plastic, and glass parts without depreciation deduction.
Frequently Asked Questions
All calculations provide financial literacy & tariff estimation.
Your figures remain strictly private in your local browser session.
Certified advisory & educational awareness platform.
FinSetu provides independent general insurance premium calculation tools based on standard Indian tariff rules. Insurance is the subject matter of solicitation.
Need Help Choosing Insurance?
Connect directly with licensed IRDAI advisors for custom commercial quotes, motor NCB transfers, or claims assistance.