What is covered under your Car Insurance Policy: Inclusions and Exclusions
It’s always good for you to know what’s covered and what’s not covered under your car insurance policy. This will avoid any hassles at the time of claim.
Floods, earthquakes, cyclones, etc.
Fire, terrorism, riot, strike, and accidents etc.
Personal Accident Cover for owner-driver:
Coverage of Rs. 2 lakhs for the owner-driver of the car and optional personal accident covers for passengers.
Compensates for injury or damages to a person or property caused by you to another person in a car accident.
Drink and Drive:
Damages caused to the car if you or anyone else was caught driving under the influence of alcohol at the time of accident.
Deliberate accidental loss is not covered. If it is proven that the accident was entirely staged, the claim would be rejected.
Driving on the wrong side of the road or without a valid license, or if the car’s driven by an underage person.
Driving your private vehicle for commercial purpose and vice versa
An expired policy, consequential damages, electrical and mechanical failure, regular wear and tear, and driving outside geographical limits are other reasons for claim rejection.
Types of Car Insurance Plans
Motor insurance is mandatory as per the government for all cars driven on public roads. For a small annual premium, you get protection against financial losses that may arise in case your car is damaged in an accident. You can choose from two types of insurance plans offered by us.
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Add-On Covers with Your Car Insurance Policy
You can enhance your motor insurancee cover with our wide-range of add-on covers to ensure maximum coverage and total protection.
Let’s have a look at the Motor Insurance Add-on covers that you can choose from.
Hydrostatic lock cover
Your car’s engine can get damaged during heavy rains or floods. This add-on provides coverage against repair or replacement of engine parts. This cover is applicable only if your vehicle is less than 5 years old.
No Claim Bonus (NCB) Protector
With a single claim, your accumulated No-Claim Bonus drops down to 0%. However, with the NCB Protector, even after making two claims in the policy period, you can still retain your No Claim Bonus discount.
Zero Depreciation cover
With this add-on, you don’t have to pay depreciation on expenses of repaired/replaced parts like plastic, fibre, rubber and glass parts.
You won’t be stranded if your car ever breaks down in the middle of the road as you can get help with just one call at any time of the day or night. The services offered include changing flat tyres, repairs, emergency fuel refilling, towing facility.
Invoice Price Cover
You generally get the depreciated value of your car at the time of claim. But with this add-on, if you make a claim, you get the invoice value of the car along with registration fees, road tax, and insurance.
In a standard policy, only the owner-driver gets a Rs. 2 lakh personal accident cover. However, with this add-on, fellow passengers are provided coverage of Rs. 1 lakh in case of death, permanent or total disability.
Coverage is provided for cost incurred to replace the vehicle lock and key if it’s stolen or lost. This is valid for up to 2 claims in a policy period.
If you and the passengers are injured in case of an accident, then medical expenses up to Rs. 10,000 are given for treatment.
For each day spent at the hospital, you get a lump sum amount of Rs. 1000 per day when hospitalized for up to 30 days.
Coverage is provided for expenses on consumables such as oil, nuts, bolts that are considered unfit for further use.
This add-on covers charges towards transportation of the insured person in an ambulance to the hospital.
Engine and gearbox cover
The add-on provides you financial protection if your car breaks down due to damage to the internal parts of the engine and gearbox.