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MOTOR INSURANCE

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Road travel is an inevitable part of our daily routine and motor insurance is mandatory. Motor Insurance is bought for all vehicles plying on our roads which include two-wheelers, cars, trucks and other commercial vehicles.

Motor insurance provides protection against uncertainties such as physical damage caused due to an accident and loss due to natural and man-made calamities. Additionally, Motor insurance can be used to provide cover for liability incurred to third party/person who is injured due to accident involving your motor vehicle.

MOTOR INSURANCE

BENEFITS

  • Comprehensive Insurance: This type of policy gives full coverage to the policy holder which includes loss or damage to the insured motor vehicle (man-made or natural calamities), Third party cover (Death / injury to Person and/or Damage to Property) and personal accident benefit in case of any accident. It protects you from any kind of financial or legal crises.
  • Third Party Liability: This policy covers Third Party Property Damage & Death or bodily injury to third party followed by an accident. As per provisions of Motor Vehicle Act 1988, no person can use the vehicle in public place unless the vehicle is covered with a minimum coverage of Third Party Liability.

Add On Covers

  • Zero depreciation: Is an add on cover known as Nil depreciation or Bumper to Bumper car insurance that offers 100% coverage for all fibre, rubber, glass and metal parts without deduction of depreciation, excluding tyres and batteries.
  • Consumable Expenses: This covers cost of consumables required to be replaced/replenished arising from the accident to the insured vehicle. Consumable for the purpose of this cover may include engine oil, gear box oil, lubricants, nut & bolt, screw, distilled water, grease, oil filter, bearings, washers, clip, break oil, air conditioner gas and items of similar nature excluding fuel.
  • Engine Secure: This covers repair and replacement expenses for the loss or damage to internal parts of the engine and gear box for damages due to ingress of water in the engine or leakage of lubricating oil from engine/respective assembly arising out of an accident and/or an consequential event.
  • Road Side Assistance: It’s a service facilitated post a vehicle meeting with an accident or breakdown. Few of the benefits are Service for Flat Tyre, Flat Battery – Jump Start Service, Repair on the spot, Emergency towing assistance & service for key locked inside. Covers extended may differ with different Insurers.

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