Motor insurance is a financial safeguard that provides coverage for your vehicle in case of accidents, theft, or damage. It also includes liability protection for potential harm to others, ensuring legal compliance and peace of mind while driving. Having motor insurance is often a legal requirement in many places and helps mitigate the financial risks associated with car ownership.
This covers the insured vehicle against damages due to accidents, including collisions, overturning, and damage from natural calamities like earthquakes, floods, and storms..
If the insured car is stolen, the policy reimburses the policyholder for the insured value of the vehicle. Some policies also cover accessories and parts stolen with the car.
Comprehensive policies often include coverage for natural disasters like earthquakes, floods, landslides, and storms, ensuring the vehicle is protected in adverse weather conditions.
At times, vehicle is transported from one location to another via railways, surface transport and over river. In case the vehicle is damaged in transit, the comprehensive motor insurance policy will help take care of the cost of repairs
Mandatory by law in India, this covers legal liabilities arising from injuries or property damage caused to a third party by the insured vehicle. It includes compensation for bodily injury, death, and property damage.
Provides coverage for the policyholder and passengers for accidental injuries or death while traveling in the insured car. This typically includes coverage for medical expenses and compensation in case of death or disability.
This add-on covers the depreciation cost deducted from your car's parts during claims, excluding the first two claims from the depreciation deduction.
With this add-on, you can file a fixed number of claims in a policy year without affecting your accumulated No Claim Bonus discount..
Provides help in case of a car breakdown in sparsely populated areas by arranging fuel supply, towing, or repairs.
This covers the difference between the car's purchase price and compensation due to depreciation and may cover the gap for a new car of the same make and model.
Covers damages to glass, fibre, and plastic parts without affecting the No Claim Bonus discount, with one claim allowed per policy year.
Offers financial support for overnight accommodation and commuting expenses if your car is damaged during a journey.
Covers repair or replacement costs for the engine if damaged by water, ideal for flood-prone areas.
Covers the cost of replenishing consumables like gearbox oil, nuts & bolts, oil filter, etc., during claims.
It's essential for car owners in India to carefully review the terms and conditions of a Comprehensive Motor Insurance policy, including any exclusions and limitations, before purchasing coverage. Additionally, the premium amount may vary based on factors such as the car's make and model, the policyholder's age, and the location of the insured vehicle, among others.
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