Motor Insurance policy covers all types of vehicles plying on public roads such as:
Scooters & Motorcycles
Private cars
All types of commercial vehicles
Motor Trade (vehicles in show rooms and garages)
Two types of covers are available:
1) Liability only policy :
This covers third party liability for bodily injury liability and / or death and property damage. Personal Accident cover for Owner-driver is also included.
2) Package policy :
This cover loss or damage to the vehicle insured in addition to (1) above.
You work hard to buy an automobile so as to enjoy the trips and may be to support the business needs. An uncertainty can occur anytime leading to heavy losses. The costs to get the vehicle repaired in the event of damage or replacing it just in case it is stolen can be huge.
Hence it is most needed to buy an appropriate comprehensive policy cover.
Scope of Cover
- This covers loss of or damage to the building/contents by fire & allied perils, such as riot, strike, lightning, explosion, flood, cyclone, inundation earth quake etc. (for further details please contact nearest office), Burglary & Housebreaking including larceny and theft.
- All Risk cover to loss or damage to jewellery & valuables caused by accident whilst anywhere in India.
- Loss or damage to domestic appliances caused by mechanical and/or electrical breakdown. Sum Insured in respect of each item should be its new replacement value.
- loss of or damage to the television apparatus and VCR/VCP in insured premises by fire and allied perils, burglary and/or housebreaking Or theft, accidental external means and mechanical or electrical breakdown.
- Loss of or damage to fixed plate glass in the insured premises by accidental breakage.
- Public liability cover
- loss or damage to Insured’s accompanied baggage by accident or misfortune whilst the Insured is on tour or holiday anywhere in India.
- The Insured, his spouse and his children, all between the age of 5 and 70 years can be covered under this section. The insurance covers death, permanent total disablement, permanent partial disablement and Temporary total disablement.
Add On Cover
Depreciation Re-imbursement
Daily Allowance
Courtesy Hire Car
Return to invoice
No Claim Bonus Protection
Consumable Expenses
Engine Secure
Tyre Secure
Emergency Transport and Hotel Expenses
Loss of Personal Belongings
Key Replacement
Exclusions
- WAR AND NUCLEAR RISK
Any car damages to your car due to war, radiation, rebellion, hostilities, terror attacks, or invasion.
- ALCOHOL & OTHER INTOXICANTS
At the time of accident, if you or anyone driving with your consent is found under the influence of alcohol.
- CONSEQUENTIAL DAMAGE
Eg: The engine's gear oil leaks. Yet you drive & the gearbox fails, which is a consequential damage.
- DELIBERATE ACCIDENTAL LOSS
No fraud or staged accidents here. We mean, don’t ever attempt smashing your car with a baseball bat. It won’t work.
- MALICIOUS ACTIVITY
Underage drivers, driving without a valid license or on the wrong side of the road are all grounds for your claim being rejected. So beware.
- FOR COMMERCIAL USE
There are separate policies for private and commercial cars, so any manipulation of the same can result in a rejection.
