Comprehensive cover
For own vehicle damage plus third-party liability, with add-ons such as towing, windscreen, personal accident, flood, or natural perils depending on the insurer.
Motor insurance belongs beside leasing because vehicle buyers need cover decisions before the vehicle is on the road. Start with cover type, vehicle value, NCB, add-ons, and digital card readiness.
Quote inputs
The marketplace should explain the difference before showing plan cards. Price alone is not enough when exclusions, excess, add-ons, and claim handling change the outcome.
For own vehicle damage plus third-party liability, with add-ons such as towing, windscreen, personal accident, flood, or natural perils depending on the insurer.
For owners who want a middle path between legal liability cover and selected own-risk protection.
The statutory baseline for vehicles on public roads. It covers legal liability to third parties, not damage to the insured vehicle.
Typed plan cards now hold insurer, cover type, digital-card readiness, add-ons, excess notes, quote mode, and request routing for provider follow-up.
Private cars and SUVs
Comprehensive Motor
Comprehensive
LKR 77,800 to LKR 86,200
Standard accidental-damage excess applies after underwriting.
Best for owners who want lender-friendly cover before vehicle handover.
Owners comparing extras
Comprehensive Plus Add-ons
Comprehensive
Quote required
Excess and natural-perils terms confirmed at quotation.
Useful when add-on coverage is more important than the lowest premium.
Mid-range budget cover
Third-party, Fire and Theft
Third-party, fire and theft
Quote required
Own-damage cover is limited to selected events.
A middle path when comprehensive cover is too expensive.
Legal baseline cover
Third-party Motor
Third-party only
Quote required
Does not cover damage to your own vehicle.
Use only when you understand the own-damage gap.
Share the details insurers normally need before pricing: vehicle value, use, cover type, NCB, add-ons, and contact information.
Sri Lanka Police notes that insurers started issuing digital motor insurance cards from 1 May 2026, with verification through USSD, SMS, or hotline on 1338. This means plan cards should eventually show whether a provider supports digital card delivery and quick verification.
Start with an indicative range, then request insurer confirmation with vehicle details, registration, claims history, and selected add-ons.
Request insurer quotes