Cover for everything you own — cars, homes, trips, shops.
Life and health are the big two, but a stolen laptop, a scooter accident, a flooded shop or a cancelled international trip can each dent your finances just as badly. General insurance covers all of that — usually for a very small fraction of the asset's value. We keep it simple: right policy, honest premium, actual claim support.
General Insurance
Cover for everything you own — cars, homes, trips, shops.
Get started
Insure your assets
We bundle all your general policies under one renewal tracker and one claim helpline. Whether it is a motor accident or a flooded shop, one WhatsApp to us starts the claim process and we follow it through.
What it is
Everything else your life needs to insure
Life and health are the big two, but a stolen laptop, a scooter accident, a flooded shop or a cancelled international trip can each dent your finances just as badly. General insurance covers all of that — usually for a very small fraction of the asset's value. We keep it simple: right policy, honest premium, actual claim support.
- IRDAI-licensed distribution across all major general insurers
- One-touch renewal reminders so nothing lapses
- Genuine claim assistance — we file with you
- Motor, home, travel, shop and personal accident under one roof
Why it matters
Why general insurance matters
Your car, home, shop and trips are worth protecting. A small premium prevents a single accident, theft or natural event from derailing your cash flow. Third-party motor cover is mandatory, but comprehensive cover is what actually saves money when things go wrong.
What Rajagopuram does
How we handle general insurance differently
Principles and processes that protect your interest before anyone else's.
Comprehensive over Third-party
Third-party is the legal minimum. For anything worth insuring, we recommend comprehensive — the ₹3,000 saved isn't worth a ₹80,000 repair bill.
IDV set honestly
Insured Declared Value is negotiable within limits. We set it accurately — not artificially low to reduce premium, not artificially high to inflate claims.
Zero-dep for the first 5 years
Zero-depreciation add-on pays for full replacement without depreciation cuts. Worth the ~15% premium bump on newer cars.
Renewal never lapses
We track every renewal date across your policies and remind you 30/15/7 days out. Lapsed comprehensive = restart of the no-claim bonus from zero.
How it is useful to you
From first conversation to live coverage — usually within a week
We bundle all your general policies under one renewal tracker and one claim helpline. Whether it is a motor accident or a flooded shop, one WhatsApp to us starts the claim process and we follow it through.
- 01Step 1
Asset inventory
Tell us what you want to insure. Vehicle, home, shop, trip — with rough values.
- 02Step 2
Quote comparison
We pull 3–4 quotes with matching feature sets so you compare apples to apples, not the cheapest premium blindly.
- 03Step 3
Policy issuance
Digital policy in your email within 24 hours. Original filed with our team as backup.
- 04Step 4
Renewals & claims
Automatic renewal reminders. When a claim happens, one WhatsApp to us gets the ball rolling.
The menu
Sub-categories inside General Insurance
Every option is available — we recommend only what fits your situation.
Car & Two-wheeler
Third-party, comprehensive, own-damage. Zero-dep, engine protect and roadside assistance add-ons.
Home insurance
Structure and contents cover against fire, flood, theft, riots. Very cheap relative to the value protected.
Shop / Small business
Fire, burglary, plate glass, cash-in-transit, employee dishonesty. Custom bundles per shop type.
Travel insurance
Single-trip, multi-trip and student policies. Medical, trip cancellation, baggage loss and passport support.
Personal accident
Lump-sum on accidental death or permanent disability. Cheap standalone cover — often ₹1cr for under ₹2,000/year.
Cyber & device insurance
Emerging category — protects against phishing, identity theft, phone damage. Ask us if it fits your risk.
Common questions
Everything people ask about General Insurance
Is third-party motor enough?
Legally, yes. Financially, no. A single at-fault accident with a comprehensive policy costs you ₹0; with third-party only, potentially lakhs.
Should I claim small dents?
Usually no. Losing NCB is often costlier than the repair itself. We do the math each time before you claim.
Does home insurance cover jewellery?
Base policies cover contents up to a sub-limit. Jewellery beyond that needs a valuable items add-on with valuation certificates.
What about tenants?
Tenants insure contents only, not the building. It's cheap (~₹1,500/year for ₹5L cover) and often skipped — don't skip it.
Travel insurance — worth it?
For any trip outside India, yes. A single ER visit in Europe or the US can wipe out the entire holiday budget. For domestic trips, it's optional.
Can I insure my parent's home from another city?
Yes. As long as you have insurable interest (financial stake), we can structure it. Common when children fund parents' home.
How fast are motor claims settled?
Cashless at network garages: same-day drop-off, 3–10 days delivery. Reimbursement: 15–30 days after documentation.
Ready to start?
Insure your assets
A dedicated general insurance advisor will call you within one business day.
Explore more
General Insurance pairs well with
Most Rajagopuram clients who choose general insurance also plan for these next.
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Explore Life Insurance
The one policy that lets your family sleep peacefully.
Read the life insurance pageAlso offered
Free advisor call
Ready to talk about general insurance?
Share your goal, budget and timeline. A Rajagopuram advisor will call you within one business day — no spam, no pressure.
- Personalised product recommendation
- Transparent cost comparison
- Lifetime servicing after you buy