Insurance Policies โ€“ GVR Insurance
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Motor Insurance

Mandatory by law under the Motor Vehicles Act, motor insurance protects your vehicle โ€” and others on the road โ€” from accidents, theft, and natural calamities. Available for private cars, two-wheelers, and commercial fleets.

4 Products
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Most Popular

Private Car Insurance

Comprehensive and third-party coverage for your personal car. Protects against accidents, theft, fire, floods, and third-party liabilities on every road in India.

  • Comprehensive Cover โ€” own damage + third party
  • Third Party Only โ€” mandatory minimum
  • Zero Depreciation add-on available
  • NCB discount up to 50% for claim-free years
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Two Wheeler

Two Wheeler Insurance

Insurance for motorcycles and scooters โ€” available as third-party only or full comprehensive plans with optional add-ons including roadside assistance.

  • Bike & scooter insurance
  • Comprehensive & third party options
  • Personal accident cover for rider
  • Roadside assistance add-on available
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Commercial

Goods Carrying Vehicle Insurance

Specialized insurance for trucks, lorries, tempos, and goods transport vehicles โ€” covering vehicle damage and transport-related liabilities comprehensively.

  • Trucks, lorries, tempos, pickups
  • Own damage + third party liability
  • Driver personal accident cover
  • Goods in transit protection
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Commercial

Passenger Carrying Vehicle Insurance

Insurance for buses, taxis, school vans, and passenger transport vehicles โ€” covering vehicle damage and passenger liability for commercial operators.

  • Buses, taxis, cabs, school vans
  • Passenger liability coverage
  • Third party bodily injury cover
  • Comprehensive vehicle protection
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Health Insurance

With healthcare costs rising at 12โ€“14% annually in India, a health insurance policy is your most critical financial safety net. We offer individual, family, and group health plans with cashless treatment at thousands of network hospitals nationwide.

4 Products
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Individual

Mediclaim Policy

Individual mediclaim covering hospitalisation, surgical procedures, pre- and post-hospital expenses, and daycare treatments for a single insured person.

  • Inpatient hospitalisation (24+ hours)
  • Pre & post hospitalisation expenses
  • Daycare procedures covered
  • Ambulance charges included
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Enhanced

National Mediclaim Plus Policy

Enhanced mediclaim with higher sum insured options, broader coverage, additional benefits for critical illnesses, and AYUSH treatment coverage.

  • Higher sum insured options available
  • Critical illness cover included
  • AYUSH treatment covered
  • No-claim bonus at renewal
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Most Popular

Family Mediclaim Policy

Cover your entire family under a single policy with individual sum insured for each member โ€” spouse, children, and parents included.

  • Individual sum insured per member
  • Spouse, children & parents covered
  • Maternity benefit available
  • Newborn coverage from birth
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Cost-Effective

Family Floater Policy

A single shared sum insured covers the entire family at a lower premium. Best for families where multiple large claims in a single year are unlikely.

  • Shared sum insured for all members
  • Lower premium than individual plans
  • Covers entire nuclear family
  • Restoration benefit available
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Personal Insurance

Personal insurance provides financial security for individuals in the event of accidental injury, disability, or death โ€” and comprehensive coverage for travel emergencies at home and abroad.

4 Products
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Individual

Individual Personal Accident

Financial compensation for accidental death, permanent total or partial disability, and temporary disability โ€” giving your family a dependable safety net.

  • Accidental death lump sum benefit
  • Permanent total & partial disability
  • Temporary disability income benefit
  • Education benefit for dependent children
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Group

Group Personal Accident

Cost-effective group accident coverage for employers, associations, and organizations โ€” a safety net for all members under a single master policy.

  • Ideal for employers & organizations
  • Lower premium per person
  • Uniform benefit structure
  • Quick enrollment for all members
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Domestic

Domestic Travel Insurance

Coverage for trips within India โ€” protecting against trip cancellations, flight delays, baggage loss, and medical emergencies during domestic travel.

  • Trip cancellation & curtailment
  • Baggage loss & delay cover
  • Medical emergency expenses
  • Flight delay compensation
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International

Overseas Travel Insurance

Comprehensive international travel protection โ€” medical emergencies abroad, passport loss, and trip disruptions. Mandatory for Schengen visa applications.

  • Medical cover up to โ‚น1 crore abroad
  • Emergency medical evacuation
  • Passport & document loss cover
  • Schengen visa compliant (โ‚ฌ30,000+)
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Home & Property Insurance

Your home is your most valuable asset โ€” yet less than 1% of Indian homes are insured. Home insurance protects your building structure, contents, and valuables from fire, theft, natural disasters, and accidental damage at a very affordable premium.

4 Products
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All-in-One

Householders Policy

A comprehensive all-in-one policy covering your building structure, household contents, valuables, and personal liability under a single plan.

  • Building structure coverage
  • Household contents & furniture
  • Jewellery & valuables coverage
  • Personal liability protection
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Contents

Home Content Insurance

Protect your household belongings โ€” electronics, appliances, furniture, and valuables โ€” from theft, fire, and accidental damage. Ideal for tenants too.

  • Electronics & appliances covered
  • Furniture & fixtures protection
  • Jewellery & cash coverage
  • Burglary & theft cover
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Residential

Residential Property Insurance

Standalone insurance for your residential property โ€” protecting the building structure from fire, floods, earthquakes, and other natural and man-made perils.

  • Building structure protection
  • Natural disaster coverage
  • Fire & explosion damage
  • Covers apartments & independent houses
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Commercial

Commercial Property Insurance

Property insurance for offices, shops, warehouses, and commercial buildings โ€” protecting your business premises and assets from all major perils.

  • Office & shop building coverage
  • Warehouse & godown protection
  • Business assets & stock cover
  • Business interruption add-on
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Fire Insurance

Fire insurance protects your property against losses from fire, lightning, explosion, floods, earthquakes, and 12+ special perils. Often a mandatory requirement when property is mortgaged to a bank.

2 Products
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Standard

Standard Fire & Special Perils Policy

The most comprehensive fire insurance policy covering buildings and contents against fire, natural calamities, riots, and all special perils in one policy.

  • Fire, lightning & explosion damage
  • Flood, cyclone & earthquake cover
  • Riot, strike & malicious damage
  • Aircraft impact & vehicle collision
  • Overflow from water tanks & pipes
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Industrial

Industrial Fire Policy

Specialized fire insurance for manufacturing plants and large industrial premises โ€” covering buildings, machinery, stock, and business interruption losses.

  • Factory building & structure
  • Plant & machinery coverage
  • Raw material & finished goods
  • Business interruption losses
  • Debris removal expenses covered
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Engineering Insurance

Engineering insurance covers construction projects, industrial machinery, and technical installations against accidents and breakdowns. Essential for contractors, project owners, and industries operating heavy equipment.

3 Products
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Construction

Contractors All Risk (CAR)

All-risk insurance for civil engineering and construction projects โ€” protecting the contract works, plant, machinery, and third-party liabilities on site.

  • Contract works โ€” building & structure
  • Construction plant & equipment
  • Third-party liability on site
  • Covers floods, fire & collapse
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Erection

Erection All Risk (EAR)

Comprehensive coverage for mechanical and electrical installations during erection โ€” including the testing and commissioning phases of industrial projects.

  • Mechanical & electrical equipment
  • Covers testing & commissioning
  • Third-party liability included
  • Transit to site coverage
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Machinery

Machinery Breakdown Policy

Protects industrial machines and equipment against sudden and unforeseen breakdown during normal operation โ€” covering repair and replacement costs.

  • Sudden mechanical breakdown
  • Electrical short circuit damage
  • Operator error coverage
  • Consequential loss add-on available
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Marine Insurance

Marine insurance protects goods and cargo during transit โ€” by sea, air, road, or rail โ€” covering import and export shipments and domestic consignments. Essential for traders, importers, exporters, and logistics businesses.

2 Products
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International

Marine Cargo Insurance

Comprehensive cargo insurance for import and export shipments transported by sea, air, or multimodal routes โ€” covering loss, damage, and theft of goods in transit.

  • Sea, air & multimodal transit
  • Import & export shipments
  • Total loss & partial damage covered
  • General average & salvage charges
  • Open & specific voyage policies
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Domestic

Inland Transit Insurance

Protection for goods moved by road or rail within India โ€” covering damage, theft, and accidents during domestic transit for manufacturers, traders, and distributors.

  • Road & rail transit within India
  • Goods in transit all-risk cover
  • Loading & unloading risks
  • Annual & single transit policies
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Liability Insurance

Liability insurance protects your business from the financial impact of third-party claims โ€” whether from customers injured on your premises, or clients who suffer losses due to professional errors or negligence.

2 Products
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Public

Public Liability Insurance

Protects your business against legal liability for accidental bodily injury to third parties or damage to their property arising from your business operations.

  • Third-party bodily injury claims
  • Third-party property damage
  • Legal defence costs covered
  • On-premises & off-premises cover
  • Mandatory in some industries
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Professional

Professional Indemnity Insurance

Protection for professionals and service businesses against claims arising from errors, omissions, or negligence in the delivery of professional services.

  • Errors & omissions coverage
  • Negligence claims protection
  • Legal defence & court costs
  • Ideal for doctors, CAs, engineers, IT firms
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Rural Insurance

GVR Insurance supports India's farming communities with specialized rural insurance products โ€” from crop protection under PMFBY to livestock coverage that safeguards the livelihood of millions of agricultural families across India.

3 Products
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Govt Scheme

Crop Insurance (PMFBY)

Protection for farmers under Pradhan Mantri Fasal Bima Yojana โ€” covering crops from drought, floods, unseasonal rain, and pest attacks at subsidized premiums.

  • Kharif crops โ€” just 2% premium
  • Rabi crops โ€” just 1.5% premium
  • Covers drought, flood & pest attacks
  • Pre & post-harvest losses covered
  • Mandatory for loanee farmers
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Livestock

Cattle Insurance

Livestock insurance for cows, buffaloes, and bullocks โ€” providing compensation to dairy farmers in the event of accidental death or disease-related mortality.

  • Cows, buffaloes & bullocks
  • Accidental death compensation
  • Disease-caused mortality cover
  • Market value at time of loss paid
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Poultry

Poultry Insurance

Specialized insurance for commercial poultry farmers โ€” covering mortality in birds due to disease, fire, flood, cyclone, and other specified perils.

  • Broilers, layers & breeders
  • Disease mortality coverage
  • Fire, flood & cyclone cover
  • Covers on batch or flock basis
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Business Insurance

India has over 63 million SMEs โ€” most without adequate insurance. A single fire, theft, or lawsuit can permanently close a small business. Our business insurance packages provide comprehensive protection for SMEs and commercial establishments.

2 Products
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SME

Small Business Package Policy

An all-in-one SME insurance package covering business premises, stock, equipment, cash, employees, and liability under a single affordable policy.

  • Building & contents coverage
  • Stock & inventory protection
  • Electronic equipment cover
  • Money insurance (cash on premises)
  • Employee & public liability
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Office

Office Package Insurance

Comprehensive insurance for offices โ€” covering the building, IT infrastructure, furniture, and business interruption losses for corporate establishments.

  • Office building & contents
  • IT equipment & servers
  • Business interruption losses
  • Burglary & theft protection
  • Employee fidelity guarantee
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Miscellaneous Insurance

Specialized insurance for modern and emerging risks โ€” from cyberattacks targeting businesses in the digital age, to burglary coverage protecting your home or shop from break-ins and theft.

2 Products
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Digital Age

Cyber Risk Insurance

Protect your business from the growing threat of cyberattacks โ€” covering data breaches, ransomware, financial fraud, legal liabilities, and business interruption.

  • Data breach response & legal costs
  • Ransomware payment & recovery
  • Cyber fraud & phishing losses
  • Business interruption coverage
  • Regulatory fine coverage (PDPB)
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Security

Burglary Policy

Insurance against loss or damage to property caused by burglary, housebreaking, or theft with forcible entry โ€” for homes, shops, offices, and commercial premises.

  • Theft by forcible entry covered
  • Cash, valuables & jewellery
  • Stock & business assets cover
  • Damage to premises during break-in

Not sure which policy is right for you?

Our insurance advisors will assess your needs and recommend the most suitable coverage โ€” at the best available premium. Free consultation, no obligation.