Private car insurance policy provides coverage for loss of or damage to your vehicle against the risk of accident, fire, theft, floods, earthquake, riot, strike etc. The policy also gives coverage for your liability arising out of death, injury to third party and/ or third property damage.
What the policy covers:
Loss or damage to the insured vehicle, Personal Accident and Third Party Liability due to the following:
Natural calamities -- Fire, explosion,self-ignition, lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
Man made: Burglary,Theft,Riot & strike, Malicious act, Accident by external means, Any damage in transit by road, rail, inland waterway, lift, elevator or air.
Personal Accident Cover:
Provides compulsory personal accident cover of Rs. 2 lakhs for individual owner driver of the insured vehicle while travelling in, mounting or dismounting from the car. You can also opt for a personal accident cover for passengers.
Third party legal liability:
Gives guaranteed protection against legal liability arising due to accidental damages, any permanent injury/ death of a person and/or any damage caused to the property.
Key Benefits
Cashless claim facility at Cashless Garage Network across India.
Claim towing charges up to Rs 1,500 in the event accidental damage or loss to your vehicle as specified under the policy
Avail the following bonuses and discounts:
No Claim Bonus:
If you do not make a claim during the policy period, a No Claim Bonus (NCB) is offered on renewals. The discount can go as high as 50%.
(NCB will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.)
