What is covered in Car Insurance?

Car insurance will cover the following:

  • Third Party Personal Liability with unlimited coverage for causing loss of life on account of accident or injuries by your car. The amount awarded by the court as your liability for such cases by your vehicle will be compensated for under the car insurance policy. This is mandatory as per law
  • Third Party Property Damage to buildings or other such properties with a maximum cover ofINR 7,50,000, in the case of private cars is part of the car insurance policy provided by all insurance companies
  • Provides Own Damage Insurance protection against losses due to:
    • Fire, lightning, self-ignition or explosion
    • Burglary, theft or housebreaking
    • Strike or riot
    • Earthquake (shock damage and fire)
    • Flood, inundation, storm, tempest, typhoon, hurricane, Cyclone and Hailstorm
    • Accidental external means
    • Malicious acts
    • Terrorist activity
    • During transit by rail, road, inland waterway, air or lift
    • Landslide and rockslide
    • Personal Accident Cover with compensation for owner cum driver
    • Legal Liability Cover to Paid Driver
    • PA cover for named& unnamed passengers, including spouse, children, parents, etc
    • Legal liability towards employees arising out of an accident involving the insured vehicle.

Other Covers available are

  • Discounts include No Claim Bonus, Automobile Association Membership Discount, Discount for Anti-Theft Devices approved by Automobile Research Association of India (ARAI) that are fitted in the vehicle
  • Add-on Covers for Private Vehicles include a wide range of additional covers that you can choose from for enhanced protection of your vehicle
  • Fixed Daily Allowance of Rs.500 or Rs1, 000 per day to meet the cost of hiring a car (for a maximum of 5 days per policy period) if the insured vehicle was involved in an accident and is under repair at a garage.
  • Reinstatement Value to ensure maximum claim benefit - Full Car Investment Security with compensation based on the vehicle invoice value# and zero depreciation charges on repaired parts
    (# Excluding vehicle registration charges and road tax.)
  • Waiver of reduction in depreciation for partial losses, such asreplaced vehicle parts, depending on the age of the vehicle
  • Cover for personal belongings and clothing destroyed or damaged in a fire or an accident (the items must have been inside the locked car during the mishap). The maximum reimbursement during a policy period isINR10,000
  • Reimbursement of expenses towards obtaining a duplicate ignition key up to a maximum of Rs.1,000, following the loss of the original ignition key
  • Compensation for obtaining duplicate license (fixed sum of Rs.500) in the event that the original driving license for a light motor vehicle is lost
  • Cover for road tax and registration charges

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