Vida Masters
General Insurance

Vehicles, business and property cover across the country's leading insurers.

For the things that move you and the businesses you build. From two-wheelers and commercial fleets to office premises, shop inventory, and professional liability, we place general insurance across every major insurer.

HDFC ErgoICICI LombardTATA AIGBajaj AllianzReliance
01

Two Wheeler Insurance

Mandatory third-party cover and optional comprehensive cover for scooters, motorcycles, and electric two-wheelers. Comprehensive plans cover damage to your own bike too.

Ideal for

Every two-wheeler owner — required by law, comprehensive recommended.

Key features

  • Third-party liability (legally mandatory)
  • Own-damage cover for accidents, theft, fire, natural calamities
  • Personal accident cover for the rider
  • Zero-depreciation and engine-protect add-ons
02

Car Insurance

Comprehensive and third-party cover for private cars. Comprehensive plans pay for damage to your car from accidents, theft, fire, floods, and most natural events.

Ideal for

All private car owners; zero-dep recommended for cars under 5 years old.

Key features

  • Third-party liability cover (mandatory)
  • Own-damage with depreciation-based or zero-dep payout
  • Cashless repair at network garages
  • Add-ons: engine protect, return-to-invoice, NCB protect
03

Bus, Van & Lorry Insurance

Comprehensive commercial vehicle insurance for passenger and goods-carrying vehicles. Covers third-party legal liability and own-damage including transit incidents.

Ideal for

Transport operators, logistics businesses, school and tour operators.

Key features

  • Goods-carrying vehicle (GCV) and passenger-carrying vehicle (PCV) variants
  • Cover for driver and conductor
  • Towing and transit damage cover
  • Fleet discounts for 5+ vehicles
04

Tata Ace & Tempo Insurance

Specialised commercial vehicle cover for small goods carriers like Tata Ace, Mahindra Bolero Pickup, and tempo travellers used in last-mile delivery and trade.

Ideal for

Small business owners, traders, and last-mile delivery operators.

Key features

  • Comprehensive own-damage and third-party cover
  • Cover for goods in transit (add-on)
  • Loss of income cover when vehicle is in workshop
  • GVW-based premium with no-claim bonus
05

Workmen Compensation

Statutory cover for employers under the Employees' Compensation Act 1923. Pays compensation if an employee is injured, disabled, or dies during the course of employment.

Ideal for

Manufacturing, construction, logistics, and any labour-intensive business.

Key features

  • Mandatory for many industries under labour law
  • Pays medical expenses and statutory compensation
  • Covers occupational diseases (with conditions)
  • Optional terrorism and 24-hour cover extensions
06

Marine Insurance

Cover for goods in transit by sea, air, road, or rail. Includes import-export consignments, inland transit, and stock throughput policies for ongoing trade.

Ideal for

Importers, exporters, manufacturers shipping goods, and traders.

Key features

  • Single-transit and open (annual) policies
  • Cover from warehouse to warehouse
  • Includes import, export, and domestic movement
  • All-risk, named-perils, and ICC clause-based options
07

Professional Indemnity

Protects professionals against third-party claims arising from errors, omissions, or negligence in providing professional services. Covers legal costs and compensation.

Ideal for

Doctors, lawyers, chartered accountants, architects, IT consultants.

Key features

  • Cover for legal defence costs
  • Compensation payouts to third parties
  • Retroactive cover for past acts (most plans)
  • Tail cover for claims after policy ends
08

Fire & Burglary

Combined cover for premises and contents against fire, allied perils (lightning, explosion, riot, flood), and burglary or theft. Standard sum-insured or replacement-cost basis.

Ideal for

Shop owners, manufacturers, warehouse operators, and offices with stock.

Key features

  • Cover for building, contents, plant, machinery, stock
  • Standard Fire & Special Perils Policy (SFSP)
  • Burglary add-on for forced entry theft
  • Business interruption cover available
09

Office Package Policy

Bundled cover for offices combining fire, burglary, electronic equipment, plate glass, money in transit, and public liability into one annual policy.

Ideal for

Small to mid-sized offices, professional firms, IT companies.

Key features

  • Fire and allied perils for office premises
  • Electronic equipment breakdown cover
  • Money in safe and in transit
  • Public liability for visitor injuries
10

Shop Keepers Policy

Tailor-made package for retail outlets covering fire, burglary, stock, money, plate glass, and personal accident for the shopkeeper, all under one premium.

Ideal for

Retail shops, grocers, jewellers, electronics stores, and showrooms.

Key features

  • Cover for shop premises and contents
  • Stock (including in-transit) covered
  • Money in counter, safe, and in transit
  • Personal accident for shopkeeper and employees
11

Construction All Risks (CAR)

Project-specific cover for civil engineering and building construction works. Covers material damage during construction plus third-party liability.

Ideal for

Builders, contractors, real-estate developers, and EPC firms.

Key features

  • Contractor's All Risks (CAR) and Erection All Risks (EAR) variants
  • Cover for the contract works during construction
  • Plant and machinery on site
  • Third-party bodily injury and property damage
12

All Risk & Machinery

All-risk policies for portable equipment (laptops, cameras, jewellery) and machinery breakdown cover for fixed plant. Pays for accidental damage from any unforeseen cause.

Ideal for

Photographers, jewellers, IT firms, and factories with critical machinery.

Key features

  • Portable all-risk for personal and business gear
  • Machinery breakdown for plant in operation
  • Worldwide cover available (portable items)
  • Replacement-cost or depreciated-value basis
13

Household Articles

Single-policy cover for home contents against fire, burglary, accidental damage, and natural perils. Includes jewellery, electronics, furniture, and personal valuables.

Ideal for

Homeowners and tenants in apartments, houses, and bungalows.

Key features

  • Fire and allied perils cover for home contents
  • Burglary and house-breaking cover
  • Accidental damage to TVs, appliances
  • Jewellery and valuables on declared value

Not sure which plan?

Let's shortlist the right general cover for you.

A 20-minute conversation with our team is usually enough to narrow down two or three plans worth comparing. No obligation, no pressure.

Talk to our team