Choose from 3 different VPAY plans as per your needs—VPAY Elite, VPAY Classic and the all new VPAY Prime.

Protects against a wide range of risks, including cyber attacks, mechanical breakdowns, and accidental damage.

Includes benefits like roadside assistance, vehicle towing, recalibration of digital systems, and smart repairs.

Coverage that fits different needs and budgets, while keeping the trusted VPAY promise.

Stay covered for new-age technologies like software-defined cars.

Protection for evolving fuel types such as electricity, hydrogen fuel, etc., so you’re never left exposed.

All minor damages such as scratches or dents can be reported together during the policy period, reducing paperwork and saving time.

Provides protection against sudden mechanical or electrical failures not caused by accidents, ensuring uninterrupted mobility and peace of mind.

Please read policy wording for detailed terms and conditions.

If something happens to the extra parts on your car (like accessories), the insurance will pay for the damage. The cover applies to accessories that came with the car when the policy started, or ones you added later (and informed us). The maximum amount we will pay is 1% of your car’s insured declared value (IDV).

If your car gets damaged in an organised rally event, the insurance will pay for it. But it won’t cover other risky activities like motor racing, speed tests, skill trials, or hill climbs.

Extends coverage to accidental loss or damage within Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka, and Maldives, along with India.

If your car has a CNG or LPG kit that wasn’t mentioned when the policy started, the insurance will still cover damage or loss to it. But we will only pay up to 1% of your car’s insured value.

Protection against damage to wiring, rubber, rexine, and other non-metal parts, due to rodent bite.

Protection against depreciation and cost of consumables during repair.

Care for your vehicles from damage arising due to power surges, explosions, water ingress, and short circuits.

Waiver of all types of compulsory deductibles during claims.

Coverage for the cost of vehicle retrieval and towing (up to 1% of IDV) if the car is disabled due to covered loss or damage. If the service cannot be arranged, you can arrange towing and submit bills for reimbursement.

Comprehensive support with 11 built-in services, plus specialised roadside help for both ICE (Internal Combustion Engine) vehicles and modern alternatives like electric vehicles. Ensures you’re never stranded during a breakdown.

VPAY 2.0 settles claims for total loss if your car is stolen or damaged so badly that it cannot be repaired. This ensures you don’t face a huge financial loss when your car is gone for good.

Covers repair costs for engine and fuel system damage due to any alternate fuel.

Covers damage to internal child parts of engine/vehicle components, including consequential damage caused from continued driving before repairs were possible, or the damage caused when the car is left unattended after an incident.

Covers the cost of replacing damaged tyres due to accidental means where the insured vehicle has not met with an accident, up to four tyres per policy period.

Please read policy wording for detailed inclusions.

Any accident caused while driving under the influence of alcohol or drugs is not covered.

Coverage becomes void if the driver doesn’t hold a valid licence at the time of the accident.

Damage caused deliberately, through neglect, or gross negligence by you, your family, or employees is not covered.

Any damage that existed before the policy started and wasn’t disclosed will not be covered.

If you or your authorised representative commit fraud, the claim won’t be honoured.

Please read policy wording for detailed exclusions.

Coverage for items like grease, lubricants, engine oil, filters, and brake oil.

Get the full claim amount without depreciation cuts, year after year.

Cover your tyres against accidental damage.

Provides a per-day cash benefit in case the insured vehicle is rendered unusable due to required repairs that will be performed in a workshop following an accidental loss.

Covers repair costs if your car’s engine suffers damage.

Recover the full invoice value of your car in case of theft or total loss.

Coverage, limits, and deductibles apply as per the policy schedule.

Recover invoice value of your car back in case of theft or total loss