General Insurance
What is general insurance?
General insurance covers everything other than life insurance: your vehicle, home, travel, personal accidents and small business premises. Most policies run for one year and are renewed annually.
Each policy pays for a specific loss, such as damage, theft or medical costs abroad, up to the sum insured.
The risk general insurance addresses
Accidents, theft, fire and floods are sudden and expensive. Without cover, the repair or replacement cost comes straight out of your savings, and some covers, such as third-party motor insurance, are required by law.
Without it, you could face
- Expensive repairs after an accident
- Legal liability to third parties
- Loss of your home or belongings to fire, flood or theft
- Medical bills abroad with no cover
What general insurance gives you
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Motor insurance
Third-party cover is compulsory by law; comprehensive cover also protects your own vehicle.
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Home insurance
Your house and its contents against fire, flood, theft and other perils.
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Travel insurance
Medical emergencies, trip cancellation and lost baggage when you travel.
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Personal accident
A payout for accidental death or disability, alongside your life and health cover.
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Shop and office
Cover for small premises, stock and equipment.
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Renewal reminders
We track renewal dates so your cover never lapses by mistake.
Is this right for you?
If any of these sound like you, a short conversation with us is a good place to start.
Ask us a question- Vehicle owners
- Home owners and tenants
- Frequent travellers and students going abroad
- Shop owners and small offices
- Anyone who wants all their policies looked after in one place
Consultation, comparison, planning and ongoing support
We compare policies from leading general insurers, including United India, National Insurance, ICICI Lombard and Star Health, and explain exactly what each one covers and excludes.
We remind you before renewals so your cover never lapses, and when something goes wrong we guide you through the claim and follow up with the insurer and surveyor.
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Consultation
Vehicles, property, travel plans and the risks you want to cover.
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Comparison
Cover, exclusions, deductibles and price from several insurers.
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Plan & set-up
We help with the proposal, inspections and documents.
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Ongoing support
Timely renewal reminders and hands-on help with every claim.
General Insurance: common questions
Third-party motor insurance is compulsory in India. Comprehensive cover, which also pays for damage to your own vehicle, is optional but strongly recommended.
Yes. Tenants can insure their belongings even if they do not own the building.
Inform the insurer quickly, keep photos and bills, and file a police report where required. Call us and we will guide you through each step.