{"id":12262,"date":"2026-08-21T19:02:59","date_gmt":"2026-08-21T13:32:59","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=12262"},"modified":"2026-08-21T19:03:02","modified_gmt":"2026-08-21T13:33:02","slug":"what-is-motor-insurance","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/","title":{"rendered":"What is Motor Insurance? Meaning, Types &#038; Why It Is Mandatory\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Key Takeaways<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Motor insurance is the umbrella category that covers every vehicle on Indian\u00a0roads, and\u00a0understanding it helps you see how car and two-wheeler policies\u00a0actually fit\u00a0together.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Knowing what the law requires helps you stay compliant, since driving without at least the basic cover is a punishable offence.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Factors like vehicle category and usage type play\u00a0a major role\u00a0in deciding what level of cover\u00a0actually makes\u00a0sense.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understanding the compulsory personal accident\u00a0component\u00a0helps you see how the owner-driver, not just the vehicle, is protected.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comparing cover levels across vehicle types ensures you are not underinsured on any vehicle you own.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Motor insurance covers every vehicle on the road, from a scooter to a commercial truck, and the law treats them all the same way. This guide covers what\u00a0motor insurance is, the vehicle categories it applies to, the types of cover available, and the legal position in India. It helps vehicle owners manage the\u00a0financial impact\u00a0of accidents, theft, natural disasters, and third-party liabilities. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The coverage you need can vary based on the type of vehicle, how often you use it, and its overall value. Understanding the different policy options can help you choose protection that fits your needs and budget.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Motor insurance is one of the clearest everyday examples of\u00a0the role of insurance in protecting your\u00a0finances, since\u00a0it shifts the cost of an accident away from your own pocket and onto the insurer.\u00a0<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#What_is_Motor_Insurance\" >What is Motor Insurance?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#How_Does_Motor_Insurance_Work\" >How Does Motor Insurance Work?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#Types_of_Motor_Insurance_by_Vehicle_Category\" >Types of Motor Insurance by Vehicle Category&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#Levels_of_Cover_Available\" >Levels of Cover Available&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#What_Motor_Insurance_Covers\" >What Motor Insurance Covers&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#Is_Motor_Insurance_Mandatory_in_India\" >Is Motor Insurance Mandatory in India?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#What_Motor_Insurance_Does_Not_Cover\" >What Motor Insurance Does Not Cover&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#FAQs_on_Motor_Insurance\" >FAQs on Motor Insurance&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#What_is_motor_insurance_in_simple_words\" >What is motor insurance in simple words?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#Is_motor_insurance_the_same_as_car_insurance\" >Is motor insurance the same as car insurance?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#Is_motor_insurance_mandatory_in_India\" >Is motor insurance mandatory in India?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#What_is_the_minimum_motor_insurance_required_by_law\" >What is the minimum motor insurance required by law?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#Does_motor_insurance_cover_the_rider_or_driver\" >Does motor insurance cover the rider or driver?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.fatakpay.com\/blog\/insurance\/what-is-motor-insurance\/#What_is_the_penalty_for_driving_without_motor_insurance\" >What is the penalty for driving without motor insurance?&nbsp;&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Motor_Insurance\"><\/span>What is Motor Insurance?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Motor insurance is a contract that covers damage to the vehicle itself, liability for injury or property damage caused to others, and injury to the owner-driver. It is the umbrella category that includes two-wheeler insurance, private car insurance, and commercial vehicle insurance. In India, at least third-party motor insurance is compulsory for every vehicle on the road. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It can also include optional covers such as own-damage protection, personal accident cover, and various add-ons, depending on\u00a0the policy chosen. The right coverage helps reduce the financial burden of accidents, theft, natural disasters, and other covered risks.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_Motor_Insurance_Work\"><\/span>How Does Motor Insurance Work?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The process of motor insurance follows a structured sequence, from selecting&nbsp;an appropriate policy&nbsp;to receiving claim settlement when a covered event occurs. Understanding how each stage works can help policyholders make informed decisions and use their coverage effectively. The following steps outline the process:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>You select a sum insured and policy type for your specific vehicle category.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>You pay the premium, which is priced based on the vehicle, usage, and location.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>An insured event occurs, such as an accident,\u00a0theft\u00a0or natural calamity.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>You intimate the insurer promptly, and a surveyor assesses the loss.\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>The claim is settled cashless at a network garage or through reimbursement.\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_of_Motor_Insurance_by_Vehicle_Category\"><\/span>Types of Motor Insurance by Vehicle Category&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Motor insurance requirements vary depending on the type of vehicle, its intended use, and the risks associated with it. While third-party liability cover is compulsory across vehicle categories, the available policy options and&nbsp;additional&nbsp;protection can differ. Understanding these differences helps vehicle owners&nbsp;identify&nbsp;the coverage that best suits their needs and usage. The table below compares the major vehicle categories, who typically need the insurance, what is legally compulsory, and the common cover options available:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Vehicle Category<\/strong>&nbsp;<\/td><td><strong>Who Needs It<\/strong>&nbsp;<\/td><td><strong>What Is Compulsory<\/strong>&nbsp;<\/td><td><strong>Typical Cover Options<\/strong>&nbsp;<\/td><\/tr><tr><td>Two-wheeler&nbsp;<\/td><td>Owners of scooters and motorcycles&nbsp;<\/td><td>Third-party liability&nbsp;<\/td><td>Third-party, standalone own damage, comprehensive&nbsp;<\/td><\/tr><tr><td>Private car&nbsp;<\/td><td>Car owners&nbsp;<\/td><td>Third-party liability&nbsp;<\/td><td>Third-party, standalone own damage, comprehensive&nbsp;<\/td><\/tr><tr><td>Commercial vehicle&nbsp;<\/td><td>Business and fleet owners&nbsp;<\/td><td>Third-party liability&nbsp;<\/td><td>Comprehensive with commercial-use riders&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The private car category is covered in full detail separately, and\u00a0car insurance specifically\u00a0is worth reading if that is the vehicle type you are insuring right now.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Levels_of_Cover_Available\"><\/span>Levels of Cover Available&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Regardless of vehicle category, the same three levels of cover apply at an umbrella level.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Third-party liability<\/strong>, the compulsory legal minimum, covering only injury or damage caused to others.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Standalone own damage<\/strong>, covering only your own vehicle, and available only alongside a valid third-party policy.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Comprehensive<\/strong>, bundling both third-party liability and own-damage cover into one policy.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The specific rules and comparison points for each level differ slightly by vehicle type, so the dedicated car insurance&nbsp;types&nbsp;guide is worth following for private car buyers specifically.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Motor_Insurance_Covers\"><\/span>What Motor Insurance Covers&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At the umbrella level, motor insurance covers three broad categories of loss across every vehicle type.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Third-party injury,\u00a0death\u00a0and property damage<\/strong>\u00a0caused to others through use of your vehicle.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Own-vehicle damage<\/strong>\u00a0from accident, fire,\u00a0theft\u00a0and natural calamity, when comprehensive or own-damage cover is held.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The compulsory personal accident cover<\/strong>\u00a0for the owner-driver, a fixed benefit that applies specifically to the person driving or riding the insured vehicle. For two-wheeler owners, the mechanics of\u00a0personal accident cover in a two-wheeler policy\u00a0are worth understanding in full, since this\u00a0component\u00a0is narrower than most riders assume.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_Motor_Insurance_Mandatory_in_India\"><\/span>Is Motor Insurance Mandatory in India?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, at least third-party motor insurance is mandatory in India for every vehicle on the road. This requirement exists under Section 146 of the Motor Vehicles Act, 1988, and the Motor Vehicles (Amendment) Act, 2019 sets out the penalty for driving uninsured. A first-time offence attracts a fine, with escalating penalties for repeat violations, and the vehicle can also be impounded in some circumstances.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At its core, this legal requirement is a straightforward application of\u00a0insurance and risk\u00a0management, since\u00a0the law assumes an uninsured driver at fault in an accident may not have the means to compensate the injured party directly.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Motor_Insurance_Does_Not_Cover\"><\/span>What Motor Insurance Does Not Cover&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Standard exclusions apply across every vehicle category, and it helps to know them before assuming a claim will be honoured.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wear and tear and mechanical or electrical breakdown.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Driving without a valid licence at the time of the accident.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Driving under the influence of alcohol or drugs.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consequential loss arising indirectly from an insured event.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Using a private vehicle for commercial hire without the correct policy type.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Motor insurance is the umbrella term covering every vehicle category in India, and at least third-party cover is the legal floor for all of them. The right level of cover beyond that depends on what the vehicle is worth and what it is used for. A comprehensive policy can provide broader protection\u00a0against accidents, theft, natural disasters, and damage to the insured vehicle. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing suitable add-ons can further strengthen coverage, but they should match your actual needs rather than simply increase the premium. Reviewing the policy terms, exclusions, and coverage limits can help ensure you are adequately protected without paying for unnecessary benefits.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_on_Motor_Insurance\"><\/span>FAQs on Motor Insurance&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_motor_insurance_in_simple_words\"><\/span>What is motor insurance in simple words?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Motor insurance is a contract covering financial losses from using a motor vehicle, including damage to the vehicle, third-party liability, and injury to the owner-driver.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_motor_insurance_the_same_as_car_insurance\"><\/span>Is motor insurance the same as car insurance?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No, motor insurance is the umbrella category that includes two-wheeler, car, and commercial vehicle insurance; car insurance is one specific type within it.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_motor_insurance_mandatory_in_India\"><\/span>Is motor insurance mandatory in India?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, at least third-party motor insurance is mandatory for every vehicle on Indian roads under the Motor Vehicles Act, 1988.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_motor_insurance_required_by_law\"><\/span>What is the minimum motor insurance required by law?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The legal minimum is third-party liability insurance, covering injury or property damage caused to others; own-damage cover is optional.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Does_motor_insurance_cover_the_rider_or_driver\"><\/span>Does motor insurance cover the rider or driver?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, through the compulsory personal accident cover&nbsp;component&nbsp;included for the owner-driver or owner-rider.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_penalty_for_driving_without_motor_insurance\"><\/span>What is the penalty for driving without motor insurance?&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Driving without valid motor insurance attracts a statutory fine under the Motor Vehicles (Amendment) Act, 2019, with the possibility of higher penalties on repeat offences.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n{ \n  \"@context\": \"https:\/\/schema.org\/\", \n  \"@type\": \"BreadcrumbList\", \n  \"itemListElement\": [{ \n    \"@type\": \"ListItem\", \n    \"position\": 1, \n    \"name\": \"Home\", \n    \"item\": \"https:\/\/www.fatakpay.com\" \n  },{ \n    \"@type\": \"ListItem\", \n    \"position\": 2, \n    \"name\": \"Blog\", \n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n  },{ \n    \"@type\": \"ListItem\", \n    \"position\": 3, \n    \"name\": \"Insurance\", \n    \"item\": \"https:\/\/www.fatakpay.com\/blog\/insurance\/\" \n  },{ \n    \"@type\": \"ListItem\", \n    \"position\": 4, \n    \"name\": \"What is Motor Insurance? 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This guide covers what\u00a0motor insurance is, the vehicle categories it applies to, the types of cover available, and the legal position in India. It helps vehicle owners manage the\u00a0financial<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[696],"tags":[],"class_list":["post-12262","post","type-post","status-publish","format-standard","category-insurance"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12262","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=12262"}],"version-history":[{"count":1,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12262\/revisions"}],"predecessor-version":[{"id":12263,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12262\/revisions\/12263"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=12262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=12262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=12262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}