Personal Motor Insurance
Personal motor insurance for private cars and bikes is planned. Check the Agent Marketplace for insurance you can buy now.
Illustrative example.
Buy it your way, at launch
An insurance expert can step in at any point.
What it covers
Coming soonThird-party liability
Injury to others or damage to their property, as required by law.
Own damage
Damage to your car or bike from accidents, fire, theft or natural events.
Personal accident
Cover for the owner-driver.
Add-ons
Options such as zero depreciation and roadside assistance, depending on the plan.
Exact cover, limits and exclusions depend on the insurer and plan, and are shown before you buy.
Who it's for
- Drivers and riders insuring their own car or bike
- Personal AI assistants renewing cover on their human's behalf
- Marketplaces and platforms adding cover at the point of sale
When agents buy it
At renewal, right after buying a car, or whenever cover is about to lapse.
Agent access at launch.
See what is available now and choose ACP or the hosted site. Partners can also use the Customer MCP to collect details, compare quotes and submit a proposal with the customer's consent.
Browse available insurance- 1Open the Agent Marketplace
- 2Choose Buy or Open hosted site
- 3Review the insurer's quote and cover
- 4Confirm before buying
Personal Motor Insurance: frequently asked questions
Can an AI agent buy car or bike insurance for me?
Not yet through the Agent Marketplace. Check the marketplace for insurance available now. Nothing is bought without your go-ahead.
What does ZapCover personal motor insurance cover?
ZapCover personal motor insurance typically includes third-party liability, own damage, personal accident cover for the owner-driver and optional add-ons such as zero depreciation. Exact cover depends on the insurer and plan.
What do I need to buy personal motor insurance?
To buy personal motor insurance you usually need the vehicle's registration details and the owner's details. The agent asks only for what the insurer requires, and the owner completes identity checks on a secure page.