Exux Group · Motor Insurance
Complete Protection for Every Vehicle You Own
Stay legally compliant. Stay financially protected. Stay on the road.
Under the Motor Vehicles Act, 1988, every vehicle on Indian roads must carry valid third-party insurance. Exux Group makes it effortless to compare and buy the right policy — for your private car, two-wheeler, or commercial fleet.
What it covers
Three vehicle classes, one trusted advisor
We offer the full spectrum of motor insurance — from mandatory third-party cover to comprehensive own-damage with add-ons like zero depreciation, engine protect and roadside assistance.
Private Car Insurance
Comprehensive cover against accidents, theft, fire, natural calamities and third-party liability.
Commercial Vehicle
Tailored cover for trucks, taxis, buses, tempos and goods carriers used for business operations.
Two-Wheeler Insurance
Affordable protection for motorcycles, scooters and mopeds — including delivery riders.
Third-Party Liability
Mandatory cover for any financial obligation arising from injury or damage to third parties.
Cashless Repairs
Direct settlement at thousands of authorised garages — no paperwork, no upfront payment.
No Claim Bonus (NCB)
Earn premium discounts up to 50% for every claim-free year — fully transferable when switching insurers.
By the numbers
How a typical motor premium is built
How a typical motor premium is built
Components of an Indian comprehensive motor insurance premium
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Own-damage premium (IDV-linked)55%
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Third-party liability (regulated)20%
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Add-ons (Zero Dep, Engine, RSA)12%
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GST @ 18%10%
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Personal Accident cover3%
Numbers vary by vehicle make, age, IDV, city and driver claim history. Get a real quote for your exact vehicle below.
Why borrowers & families pick Exux
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Instant online policy in under 5 minutes
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1-click renewal before expiry
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Real-time SMS claim tracking
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Best price across all major general insurers
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24×7 advisor support for FNOL & claims
Who is it for?
If you own a registered vehicle in India, motor insurance is mandatory. We make it the easiest part of owning that vehicle.
- Owners of private cars, two-wheelers and commercial vehicles
- Vehicles registered with a valid RC under the Motor Vehicles Act
- Both new vehicles and renewals (with or without break-in period)
- Individual and corporate fleet ownership accepted
New Policy Purchase
- Completed proposal form with vehicle details
- Copy of Registration Certificate (RC)
- Government-issued KYC (PAN + Aadhaar)
- Photograph of the vehicle (for inspection if break-in)
Policy Renewal
- Copy of previous policy document
- Vehicle Registration Certificate (RC)
- Updated KYC if details have changed
- Claim history (if held with another insurer)
Curated Insurer Network
Our Insurance Partners
We compare quotes from India's most trusted general and life insurers — so you see the best price, the best coverage, and the best claim record in one place.
Don't drive unprotected
Get the right motor cover at the best price — quickly and effortlessly through Exux Group.