Yes. Even if you have CASCO, you are still legally required to have MTPL. CASCO covers damage to your own vehicle, but MTPL is mandatory by law to cover any injuries or property damage you cause to other people. One does not replace the other—they serve different purposes.

Covers damage to your own vehicle from a wide range of risks, including traffic accidents (even if you're at fault), theft, fire, vandalism, natural disasters (like hail or floods), and glass breakage. It can also include optional extras such as roadside assistance, replacement vehicle, and legal expenses, depending on your policy.

CASCO does not cover mechanical breakdowns, normal wear and tear, or damage caused by illegal use—such as driving under the influence or without a license. It also excludes use for unauthorized purposes like racing or commercial driving unless declared.

Yes, optional add-ons such as roadside assistance, replacement vehicle coverage, legal expenses protection, and personal accident cover for you and your passengers. These endorsements enhance your basic policy and can be tailored to your needs.

This insurance provides compensation for the driver and passengers in case of accidental bodily injury, disability, or death resulting from a vehicle accident. It typically covers medical expenses, permanent disability benefits, and accidental death benefits while traveling in the insured vehicle.

Voluntary Personal Accident Cover in Vehicles can usually be purchased either as a standalone policy or as an add-on to your existing motor insurance (like MTPL or CASCO), depending on the insurer’s offerings. It’s often more convenient and cost-effective as an add-on.

GAP Insurance covers the difference between the actual cash value of your vehicle (what your insurer pays if it’s stolen or totaled) and the amount you still owe on your loan or lease. It protects you from having to pay out-of-pocket if your car’s market value is less than your outstanding finance balance after a total loss.

GAP Insurance is ideal for people who have financed or leased a new or expensive vehicle.

You should consider GAP Insurance if you’ve made a small down payment, have a long-term loan or lease, or if your vehicle depreciates quickly. It’s most valuable during the first few years of ownership when the car’s market value can drop faster than your loan balance.