Vehicle Insurance

Vehicle insurance gives complete protection against loss or damage to your vehicle and death or bodily injury to a third party arising from natural and man-made calamities. It can be bought for private cars, two-wheelers, three-wheelers and commercial vehicles. This insurance is broadly classified into

  • Comprehensive / Package Policy
  • Liability only Policy

What it Covers

It covers loss or damage to the insured vehicle and its accessories caused due to the following reasons:

  • Burglary, housebreaking or theft
  • Fire, explosion, self-ignition or lightning
  • Malicious acts
  • Riot and strike
  • Earthquake
  • Terrorism
  • Accidental damages by external visible means
  • Natural calamities

Popular Add-on Covers

By paying additional premium, you can opt for certain add-on covers in the base plan to enhance the coverage on the vehicle:

  • Zero depreciation cover
  • Engine protector
  • No claim bonus protection cover
  • Return of invoice price
  • Key replacement cover
  • Tyre cover
  • Roadside assistance cover

Major Exclusions

  • Mechanical or electrical breakdown
  • Depreciation
  • Wear and tear

Please refer to the policy document for complete scope of cover and list of exclusions and other terms and conditions under the policy.

Get in Touch

Call us at +91-22-67618900 or write to us for more information or any questions you may have.

Some Dos and Don’ts

Dos

  • Understand the coverages and exclusion in the policy
  • Be aware of the fact that it is not compulsory to purchase the insurance from the vehicle dealer only
  • Know the fact that the policy can be renewed from some other insurer at the time of renewal
  • Fill your proposal form correctly
  • Ask for information about add-on covers that may be available and choose what suits you
  • Give documents like RC Copy, Driving licence etc. to the insurance company for any verification
  • Use the vehicle only for the authorised use as per the RC
  • Know what is admissible and inadmissible at the time of any claim
  • Update the insurance company for any changes in the policy
  • Renew the policy without any break in the period of cover to avoid breach of Motor Vehicles Act
  • In case of any claims follow the claims procedures correctly

Don’ts

  • Hide any material facts pertaining to the insurance
  • Provide any incorrect information about the actual use of the vehicle while insuring
  • Keep the vehicle uninsured at any point of time

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