General Insurance
Everything you own and run, insured in one place.
General insurance covers everything other than life: your vehicles, home, shop, factory, stock, projects and machinery. We compare policies from leading general insurers, recommend the right add-ons, and support you through renewals and claims.
- Covers
- Vehicles, property, stock, projects
- Policy term
- Usually 1 year, renewable
- For
- Individuals and businesses
- Claims
- Cashless and reimbursement
Choose the general insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Two-Wheeler Insurance
Covers accidental damage, theft and third-party liability for bikes and scooters.
Commercial Vehicle Insurance
For trucks, buses, taxis and autos used for business.
Car Insurance
Third-party liability and own-damage cover for private cars.
Property / Fire Insurance
Protects offices, shops, plants and warehouses against fire and related risks.
Stock Insurance
Covers raw materials and finished goods against fire, theft and accidental damage.
Project Insurance
Covers risks during construction, installation and execution of projects.
Comprehensive / Package Policy
Own-damage plus third-party cover under one combined policy.
Construction Equipment & Machinery
Covers heavy machinery against accidental damage, theft and operational risks.
Why people choose our general insurance advice
- One advisor for all your non-life insurance
- Policies compared across leading general insurers
- Right add-ons recommended, nothing you don't need
- Renewal reminders so cover never lapses
- Claim support from intimation to settlement
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Accidental damage and theft
- Fire, explosion and natural calamities
- Third-party liability
- Burglary and malicious damage
- Machinery breakdown (with add-on)
- Vehicle owners, private and commercial
- Shop, office and factory owners
- Traders and manufacturers holding stock
- Contractors and infrastructure companies
- Wear and tear and gradual deterioration
- Under-insurance reduces claim payouts
- Wilful damage or negligence
- Losses outside the policy period or location
General Insurance premium: what decides it?
Two people buying the same general insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for General Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
8 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Asset / Vehicle / Property Details
- Previous Policy Copy (for renewal)
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
9 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Asset / Vehicle / Property Details
- Previous Policy Copy (for renewal)
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
Document Proof
8 items- Utility Bill (Electricity / Water)
- Bank Statement
- GST Certificate
- Company PAN Card
- MOA / AOA / COI
- Udyam Certificate
- Asset / Vehicle / Property Details
- Previous Policy Copy (for renewal)
Income Proof
5 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
- Audited Balance Sheet (2 yrs)
- Complete Balance Sheet with Audit Report (3 yrs)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Insure assets at their correct value; under-insurance reduces claims proportionally.
- 2Renew before expiry to avoid inspections and keep your no-claim bonus.
- 3Photograph assets and keep invoices; they speed up claims.
General Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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