Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typePrivate-vehicle motor insurance for two-wheelers and four-wheelers, including fresh, renewal and rollover journeys.View source
The page identifies private two-wheeler and four-wheeler motor insurance and lists rollover, renewal and fresh-registration journeys.
- Source
- Digital Insurance Platform
- Page / section
- Online Two-Wheeler & Four-Wheeler Insurance; Products available
- Accessed
- 31 Aug 2026
- Confidence
- high
InsurerUniversal Sompo General Insurance, United India Insurance (UIIC) and Cholamandalam MS General Insurance (Chola MS).View source
The page names all three general-insurance corporate-agency partners providing motor insurance through the platform.
- Source
- Digital Insurance Platform
- Page / section
- Insurance companies providing the services
- Accessed
- 31 Aug 2026
- Confidence
- high
Sum insured / coverVehicle insured-declared value and liability limits are quote- and policy-dependent; no numeric sum insured is printed on the platform page.View source
The page explains covered perils and third-party liability but does not publish a numeric or sum-insured amount.
- Source
- Digital Motor Insurance cover review
- Page / section
- Complete motor-insurance
- Accessed
- 31 Aug 2026
- Confidence
- high
Entry ageNot applicable as a person-age rule; the platform is for private two-wheelers and four-wheelers and underwriting is quote-dependent.View source
The platform page specifies private-vehicle types rather than an insured-person age band.
- Source
- Digital Motor Insurance eligibility review
- Page / section
- Products available under motor insurance
- Accessed
- 31 Aug 2026
- Confidence
- high
Policy termThe platform page supports fresh registration, rollover and renewal journeys but does not publish a fixed policy-term number.View source
The page describes the available journey types without printing a term duration.
- Source
- Digital Motor Insurance term review
- Page / section
- Products available under motor insurance
- Accessed
- 31 Aug 2026
- Confidence
- high
PremiumLive benefits illustrations and quote comparison are available from the channel partners; no premium amount is published on the platform page.View source
The page says customers can choose an insurer using real-time benefits illustrations and quote comparison.
- Source
- Digital Motor Insurance premium review
- Page / section
- How to choose insurer
- Accessed
- 31 Aug 2026
- Confidence
- high
Waiting periodNo separate waiting period is published for the motor-insurance journey.View source
The does not state a waiting period.
- Source
- Digital Motor Insurance waiting review
- Page / section
- Complete motor-insurance
- Accessed
- 31 Aug 2026
- Confidence
- high
Key coverageOwn-damage cover includes fire, explosion, self-ignition, lightning, burglary/theft, earthquake, flood, cyclone, accidental external means, terrorism, riot and strike, plus selected add-ons. Third-party liability covers accidental death or injury and damage to third-party property.View source
The official enumerates own-damage perils, third-party liabilities and seven optional covers.
- Source
- Digital Insurance Platform
- Page / section
- Major covers; Optional covers
- Accessed
- 31 Aug 2026
- Confidence
- high
Key exclusionsPublished exclusions include ordinary ageing/wear and tear, mechanical or electrical breakdown, depreciation or consequential loss; driving without a valid licence or under alcohol/drugs; war, mutiny or nuclear risks; tyre/tube damage except when caused by an accident; specified equipment overturning; and theft of accessories unless the vehicle is also stolen.View source
The official lists the motor-policy exclusions and the separate rule.
- Source
- Digital Insurance Platform
- Page / section
- Major exclusions of the policy
- Accessed
- 31 Aug 2026
- Confidence
- high
Geographic limitsOwn-damage cover includes fire, explosion, self-ignition, lightning, burglary/theft, earthquake, flood, cyclone, accidental external means, terrorism, riot and strike, plus selected add-ons. Third-party liability covers accidental death or injury and damage to third-party property.View source
The manually reviewed product record states: “Own-damage cover includes fire, explosion, self-ignition, lightning, burglary/theft, earthquake, flood, cyclone, accidental external means, terrorism, riot and strike, plus selected add-ons. Third-party liability covers accidental death or injury and damage to third-party property.”.
- Source
- Indian Bank Digital Motor Insurance (Two-wheeler & Four-wheeler) — official product page
- Page / section
- Published product metadata
- Accessed
- 31 Aug 2026
- Confidence
- high
Benefits and features
- Rollover renewal of policies from any insurer to an Indian Bank channel partner
- Renewal of Universal Sompo, UIIC and Chola MS policies
- Fresh registration cover for new private vehicles
- Real-time benefit illustrations and quote comparison across channel partners
- Optional PA owner-driver, paid-driver liability, key replacement, return-to-invoice, accessory, engine-protector and nil-depreciation covers
Eligibility
- An Indian Bank account is required for online application through IndSMART or Internet Banking.
- The platform currently covers private two-wheelers and four-wheelers; branch-assisted service is available.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Vehicle and registration details required by the selected insurer
- Existing policy details for rollover or renewal journeys
- Indian Bank account and digital-banking access for online journey
Related official documents
Digital Insurance Platform — Motor Insurance — Indian Bankofficial-product-page · current · accessed 31 Aug 2026
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