General Insurance Solutions for Every Need

What is general insurance?

General insurance covers everything except life — your vehicle, health, home, business, goods, machinery and legal liabilities. In exchange for a premium, the insurer protects you against financial loss from accidents, theft, fire, natural calamities, lawsuits and more. Unlike life insurance (which pays on death or maturity), general insurance is typically an annual contract that you renew.

For an individual it means protecting your car, bike, health and home. For a business it means safeguarding your factory, stock, employees, goods in transit and professional liability. The right cover turns an unpredictable, potentially ruinous loss into a manageable, fixed annual cost — that's the real value of insurance.

Motor insurance

Motor insurance protects your vehicle and covers your legal liability to others. Under the Motor Vehicles Act, 1988, at least third-party insurance is mandatory for every vehicle on Indian roads. We arrange cover for the full range of private and commercial vehicles.

Third-party motor premium

Third-party premiums are fixed by IRDAI based on vehicle category and engine capacity, and are usually revised every year (effective around 1 April). Because they change, we don't publish fixed figures here — we share the current rate for your exact vehicle when you ask.

Category	Sub-class (by engine / use)	Premium
Private Car	≤1000cc · 1000–1500cc · >1500cc	IRDAI-set (indicative)
Two-Wheeler	≤75cc · 75–150cc · 150–350cc · >350cc	IRDAI-set (indicative)
Goods Carrying	By GVW slab	IRDAI-set (indicative)
Passenger Carrying	Taxi · Bus · School Bus	IRDAI-set (indicative)
Commercial	Truck · Trailer · Tempo · Mini Truck	IRDAI-set (indicative)
3-Wheeler	Auto · E-Rickshaw	IRDAI-set (indicative)

Premium rates are indicative and subject to IRDAI revisions and insurer updates. Contact us for the current applicable rate.

Fire insurance

Fire insurance protects buildings, plant, stock and contents against fire and allied perils. Essential for factories, warehouses, shops, offices and homes.

Burglary insurance

Protects against loss from theft, burglary and housebreaking — for offices, shops, factories, warehouses and valuables.

Shopkeepers insurance

An all-in-one package policy for shops & small businesses bundling multiple covers into a single, affordable plan.

Liability insurance

Liability insurance protects you against legal claims from third parties for injury, damage or professional errors. Vital for businesses and professionals.

Workmen compensation (Employee compensation)

A legal requirement for many employers under the Employee's Compensation Act. It covers your liability to pay compensation if a worker is injured or dies during employment.

• Who needs it: factories, construction, manufacturing, transport, warehousing — anyone employing workers.
• Covers: death, disability and medical costs from work-related injury; legal liability of the employer.
• Includes: contract labour and factory labour as applicable.

Personal accident policy

An affordable cover that pays out for accidental death or disability — protecting your family's finances.

Marine insurance

Covers goods in transit — by sea, air, rail or road — against loss or damage. Essential for traders, importers, exporters and manufacturers.

Engineering insurance

Protects machinery, equipment and construction projects against breakdown, damage and project risks.

Miscellaneous & business insurance

Specialised covers for specific trades, assets and risks.

Claim process — step by step

1. Notify: Inform the insurer (and us) immediately after the incident — within the stipulated time.
2. Survey: A surveyor assesses the loss for most non-health claims.
3. Documentation: Submit the claim form and supporting documents (see checklist below).
4. Approval: The insurer reviews and approves the admissible amount.
5. Settlement: Claim is paid or repair is authorised (cashless where available).

Document checklist

Why insurance is important

Insurance is the quiet foundation of financial security. We work hard to build assets — a car, a home, a business, a steady income — yet a single accident, fire, theft or lawsuit can undo years of effort in moments. Insurance exists to absorb that shock, so one bad day doesn't become a lifelong setback.

It converts uncertainty into a fixed cost

Nobody can predict an accident or a natural calamity. What insurance does is replace an unknown, potentially huge loss with a small, known annual premium. That predictability is what lets families and businesses plan with confidence instead of living one mishap away from crisis.

It protects your family and dependents

A personal accident policy or health cover ensures that if something happens to you, your family isn't forced to drain savings or take on debt. For a breadwinner, this protection is not a luxury — it's a responsibility.

It keeps businesses alive after a loss

For a business, the right cover is the difference between a temporary setback and permanent closure. Fire at a warehouse, theft of stock, a liability lawsuit, an injured worker, damaged goods in transit — each can be financially fatal to an uninsured business. Commercial insurance keeps operations running and obligations met even after a major loss.

It's often a legal and contractual requirement

Motor third-party cover is mandatory by law. Workmen compensation is required for many employers. Banks insist on insuring mortgaged property; contracts often require liability cover. Being properly insured keeps you compliant and credible.

It brings peace of mind

Beyond the numbers, insurance buys something harder to measure — peace of mind. Knowing your vehicle, home, health, business and people are protected lets you focus on living and growing, instead of worrying about what might go wrong. That is the true return on a well-chosen policy.

The cost of being uninsured

Many people skip cover to save a modest premium, only to face a catastrophic bill later — a major car repair, a hospital stay, a stolen inventory, a court award. The premium almost always costs far less than the loss it protects against. Being under-insured is a silent risk that surfaces only when it's too late. A short conversation today can ensure you have the right cover, at the right value, before you ever need it.

Frequently asked questions

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Disclaimer & compliance: Binod Kumar Shukla provides insurance advisory and policy assistance for multiple insurers. Policies are issued subject to the underwriting guidelines of the respective insurance companies, and premiums are governed by the insurer and IRDAI regulations. Premium rates shown as "indicative" are subject to IRDAI revisions and insurer updates. Policy issuance and claim settlement are subject to insurer underwriting terms and IRDAI regulations. Insurance is the subject matter of solicitation. This page is for information only and does not constitute a contract of insurance.