Car Insurance

Zero Depreciation cover

This add-on provides full compensation for the cost of replaced car parts during a claim, regardless of their depreciated value. It is particularly useful for new and high-value cars.

Consumable cover 

This add-on covers the cost of consumable items like nuts, bolts, and engine oil, which are not covered under the standard car insurance policy.

Roadside Assistance

This add-on provides support in case of a vehicle breakdown, including towing services, fuel delivery, and battery jump-start.

Return to Invoice cover 

This add-on covers the gap between the Insured Declared Value (IDV) and the invoice value of the car, in case of total loss or theft of the vehicle.

Engine and Gear-box Protection cover

This add-on provides coverage for damages to the engine and gearbox of the car, which can be expensive to repair or replace without insurance.

Tyre Protect cover

This add-on covers the cost of repairing or replacing damaged tyres, which are not covered under the standard car insurance policy.

Key and Lock Protect

This add-on covers the cost of repairing or replacing lost or damaged car keys and locks.

No Claim Bonus (NCB) Protection

This add-on protects the policyholder's No Claim Bonus (NCB) in case of a claim, allowing them to retain their accumulated bonus and enjoy lower premiums

Driving without a valid license, drivers whose License has been suspended or cancelled or under the influence of drugs or alcohol

Using the vehicle for illegal activities or racing

Wear and tear, mechanical or electrical breakdown, and consequential loss

Damage caused to the vehicle when driving outside the geographical limits specified in the policy

Damage caused by war, mutiny, nuclear risks, act of a foreign enemy, terrorist activity, or any other malicious act

Damage caused due to natural calamities such as floods, earthquakes, hurricanes, etc. (unless specifically covered under the policy)

Damage caused by drivers not listed on the policy

Any damage caused due to gross negligence or wilful misconduct of the vehicle owner/driver.

Claim for own damages

• Inform the insurer immediately after the accident and file an FIR with the police (if required)
• Take photographs of the damaged vehicle and submit them to the insurer
• Submit a duly filled claim form along with a copy of the driving License and the RC of the vehicle
• Provide an estimate of the repair costs and any other relevant documents requested by the insurer
• Wait for the surveyor to inspect the vehicle and provide an assessment report
• If approved, the insurer will authorize repairs, and the policyholder will have to pay the deductible or any other amount not covered under the policy
• After completing the repairs, submit the bills and receipts to the insurer for reimbursement.

Claim for theft of the insured vehicle

• File an FIR with the police immediately after discovering the theft and inform the insurer
• Submit a copy of the FIR, the driving License, and the RC of the vehicle to the insurer
• Wait for the surveyor to inspect the vehicle and provide an assessment report
• If the claim is approved, the insurer will provide compensation based on the Insured Declared Value (IDV) of the vehicle
• The policyholder may have to provide additional documents or information requested by the insurer.

Claim for third-party liability

• Inform the insurer immediately after the accident and file an FIR with the police (if required)
• Take photographs of the damaged vehicle and submit them to the insurer
• Provide details of the third party involved in the accident, such as name, contact details, and vehicle registration number
• Submit a duly filled claim form along with a copy of the driving License and the RC of the insured vehicle
• Wait for the surveyor to inspect the vehicle and provide an assessment report
• If the claim is approved, the insurer will provide compensation for the third-party damages and the legal expenses incurred by the policyholder
• The policyholder may have to provide additional documents or information requested by the insurer.