Motor insurance policy is the most important document for your vehicle because it protects you against financial loss and legal issues. It would protect you and your vehicle against physical damage, bodily injury / death and cover against third-party liability, bringing you security and peace of mind. Motor insurance sustains your freedom by compensating your major claims which can otherwise be very expensive. Your vehicle is one of your most important possessions. Give it the care and protection it deserves.
- Loss or damage to your car due to natural calamities : Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.
- Loss or damage to your car against man-made calamities : Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
- Personal Accident Cover : Coverage of Rs. 15 lakh for the owner-driver of the vehicle while driving or travelling and mounting or dismounting from the Four-wheeler. Optional personal accident covers for Passenger/ Paid Driver/ driver/ Insured are also available.
- Third Party Legal Liability : Protection against legal liability due to accidental damages caused to the surrounding property and/ or resulting in permanent injury or death of a person.
Additional Covers :
- Nil Depreciation or Depreciation Reimbursement : Amount of depreciation deducted on the value of parts replaced under own damage claim.
- Key Replacement or Loss of Keys or Lock and key replacement cover : The cost of replacing your vehicle keys which are lost or stolen. In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same, you will be indemnified for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle.
- Engine Secure or Engine Protector : Repair and replacement expenses for the loss or damage to Internal parts of the engine, Gear Box, Transmission or Differential Assembly. Provided loss or damage is due to ingress of water in the engine or leakage of lubricating oil from engine/respective assembly. We will also pay for the lubricating oils/consumables used in the respective assembly i.e. material, which is used up and needs continuous replenishment such as engine oil, gear box oil etc. but excluding fuel.
- Tyre Secure : Expenses for repair and/or replacement, as may be necessitated arising out of accidental loss or damage to tyres and tubes.
- Road side assistance or 24x7 Spot Assistance: This is a Pan-India cover for car insurance policyholders who need assistance while on the road. It's a service facilitated to take care of your vehicle and your worries in an unfortunate event of your vehicle meeting with an accident or breakdown. Some of the benefits are as follows: Service for Flat Tyre, Flat Battery – Jump Start Service, Repair on the spot, Fuel Support (Emergency fuel delivery), Emergency towing assistance, Spare Key Retrieval/Service for key locked inside, Continuation/Return Journey (Taxi Support), Legal advice in case of an accident and many more.
- Consumable Expenses : Cost of consumables required to be replaced / replenished arising from an accident to the insured vehicle. Consumable for the purpose of this cover shall include engine oil, gear box oil, lubricants, nut & bolt, screw, distilled water, grease, oil filter, bearing, washers, clip, break oil, air conditioner gas and items of similar nature excluding fuel.
- Return to Invoice : The financial shortfall between the amount you receive under section 1 of the policy and the purchase price of the Vehicle as confirmed in the invoice of sale OR current replacement price of new vehicle in case exactly same make/model is available, whichever is less, in the event of Your Vehicle being a Total Loss/CTL following an accident or stolen during the period of insurance and not recovered. Also reimburse the first time registration charges and road tax which you had incurred on the insured Vehicle.
- Accident Shield : Compensations will be made for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car.
- Conveyance benefit or Transportation & Hotel Expenses : If the insured car is in a workshop following accidental damage and the claim for the same is accepted, the insured would get a 'per day' cash benefit, as per the plan opted by the insured.
- Personal baggage or Loss of Personal Belongings : The Insured is indemnified in case of any loss or damage caused to his/her personal baggage kept in their insured vehicle. Damage caused by the covered perils is covered Motor Insurance/Car Insurance policy.
