Protect Your Assets. Drive with Confidence.
From your car to your home to your travels -- general insurance safeguards the things that matter most. Find cover that suits your needs and budget with WealthBay's guidance.
What Is General Insurance?
General insurance covers everything except life. It protects your physical assets -- vehicles, homes, businesses -- and covers liabilities and travel risks. Unlike life insurance, general insurance policies are typically renewed annually and provide compensation for specific losses or damages, as per policy terms.
In India, third-party motor insurance is legally mandatory. However, protecting your home, your travels, and your business operations is equally important. A single unforeseen event -- an accident, a fire, a natural disaster -- can cause financial losses that take years to recover from without adequate insurance.
Types of General Insurance We Offer
Motor Insurance
Comprehensive and third-party cover for your cars, bikes, and commercial vehicles. Third-party motor insurance is legally mandatory in India, but the right policy does much more than just comply with the law -- it protects you from financial loss due to accidents, theft, natural disasters, and third-party liability.
- Own damage cover for accidents and natural calamities
- Third-party liability cover (legally mandatory)
- Personal accident cover for owner-driver
- Zero depreciation and roadside assistance add-ons
- NCB (No Claim Bonus) for claim-free years
Home & Property Insurance
Your home is likely your biggest asset. Property insurance covers your house structure and contents against fire, natural disasters, burglary, and more, as per policy terms. Whether you own or rent, the right cover helps you avoid starting from scratch.
- Structure cover against fire and natural disasters
- Contents cover for furniture, electronics, and valuables
- Burglary and theft protection
- Landlord and tenant-specific plans
- Some plans cover temporary accommodation costs
Travel Insurance
Whether travelling domestically or internationally, travel insurance can cover medical emergencies abroad, trip cancellations, lost baggage, and passport loss. A single medical emergency in a foreign country can cost lakhs without insurance.
- Overseas medical expense coverage
- Trip cancellation and delay protection
- Lost baggage and passport assistance
- Emergency evacuation and repatriation
- Optional cover for adventure sports and activities
Commercial Insurance
Businesses face unique risks. Commercial insurance protects your business property, stock, equipment, and covers liabilities. From shop insurance to marine cargo, we help businesses find suitable coverage.
- Fire and allied perils cover
- Marine cargo insurance
- Professional indemnity insurance
- Workmen compensation cover
- Public liability insurance
General Insurers We Work With
WealthBay distributes general insurance policies from the following IRDAI-regulated insurers. Policy features, eligibility and premiums are as per each insurer's product terms.
Bajaj Allianz General Insurance
General insurer offering motor, health, home, travel and commercial insurance.
Future Generali India Insurance
General insurer offering motor, health, travel and commercial insurance.
Go Digit General Insurance
General insurer offering motor, health, travel and property insurance.
HDFC ERGO General Insurance
General insurer offering motor, health, home and travel insurance.
ICICI Lombard General Insurance
General insurer offering motor, health, home, travel and commercial insurance.
Reliance General Insurance
General insurer offering motor, health, travel and commercial insurance.
Kotak Mahindra General Insurance
General insurer offering motor, health and home insurance.
SBI General Insurance
General insurer offering motor, health, home and travel insurance.
United India Insurance
Public sector general insurer offering motor, health, property and commercial insurance.
The Oriental Insurance Company
Public sector general insurer offering motor, health, property and commercial insurance.
Need Help with a Claim?
Our team can guide you through documentation and follow up with the insurer on your behalf. Claim decisions are made by the insurer as per the policy terms.
Have questions about General Insurance?
Speak to our team — no obligation. We'll explain the options, risks and costs.
Common Questions About General Insurance
Is motor insurance mandatory in India?
What is the difference between comprehensive and third-party motor insurance?
Does home insurance cover natural disasters like floods and earthquakes?
When should I buy travel insurance?
WealthBay Private Limited — AMFI-registered Mutual Fund Distributor, ARN-29566. WealthBay acts as a distributor of third-party financial products and earns commissions from product providers. Please read all scheme / offer documents carefully before investing.
Protect Your Assets with the Right Insurance
From motor insurance to property coverage, our advisors compare policies across our partner insurers to help you find suitable cover at a competitive premium. Consultation is free.