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Insurance Plans
Comprehensive Plan
A comprehensive insurance policy is an all-around extensive plan that provides coverage for both third-party liabilities and own car damages or losses. In addition to theft and accidents, a comprehensive insurance policy also covers the losses arising out of natural calamities, lightning, collisions man-made disasters, vandalism, explosions, and more.
It consists of the following benefits,
Own Damage Plan
Own damage insurance offers coverage for the losses or damages to your vehicle. It allows the insured or the owner of the vehicle to avail of flexible coverage depending on his/her needs and preferences.
It consists of the following benefits,
Third Party Plan
Under the Motor Vehicles Act, 1988, third party insurance is mandatory for all vehicles. A third-party insurance policy covers you against the financial losses or expenses that you will have to bear in case you are liable for the loss or damage of property, physical injury, disability, or death caused by your vehicle. It also covers the cost of legal expenses that you may have to incur.
It consists of the following benefits,
No Claim Bonus
No Claim Bonus is the reward you get as a discount on your premium at the time of your car insurance renewal if you do not raise any claim in the preceding year. The NCB increases with every claim-free year.
Enjoy 20% No-claim Bonus, if you have had a claim-free year on your existing policy.
The discount can be accumulated on a yearly basis as mentioned below,
No of Years Discount
One Claim-Free Year 20%
Two Consecutive Claim-Free Years 25%
Three Consecutive Claim-Free Years 35%
Four Consecutive Claim-Free Years 45%
Five Consecutive Claim-Free Years 50%
Add-On Covers
Zero Depreciation
An insurer considers depreciation on car parts while calculating the claim amount. But with a Zero Depreciation Cover, you can get depreciation covered under your Comprehensive Car Insurance Policy.
Roadside Assistance
With the Roadside Assistance add-on, you get access to 24x7 emergency roadside assistance, including towing services during car breakdowns. Call us if you get stranded on the road due to a breakdown, and we will help you out.
No Claim Bonus (NCB) Protection
NCB Protection add-on keeps the NCB discount intact even if you make a claim. With this add-on, you can raise a claim and still get a No Claim Bonus discount of up to 50% on car insurance renewals.
Engine Protection
Reimburse can be made up to the amount specified in the Schedule attached to the Add-ons, for the cost incurred towards repair or replacement due to consequential damages of the internal parts of the engine, gearbox, and differential assembly arising out of water ingression, hydrostatic lock, or leakage of coolant/lubricating oil of the insured vehicle.
Consumables
Usually, the cost of the car's engine oil, gearbox oil, lubricants, nut, and bolt, screw, distilled water, grease, oil filter, bearing, washers, clip, break oil, air conditioner gas, and items of similar nature, excluding fuel consumed during repair of the insured vehicle is not covered during claim settlement. With Consumables Add-on, we will cover such costs while settling claims. We offer this add-on as a part of your Comprehensive Car Policy.
Return to Invoice
Return to Invoice Cover is useful in case of theft or damage-beyond-repair claims. With this add-on, you can claim the complete amount as per the car's invoice value.
Personal Accident Cover for Passengers
This add-on allows you to insure the passengers in your car in case of unfortunate accidents leading to permanent disability/death. It has a sum insured of up to Rs. 1 lakh/passenger.
Outstation Emergency
Outstation Emergency Cover focuses on insuring you in case of accidents/breakdowns that occur beyond a 100 km radius of your residence.
Key Replacement
The Key Replacement Cover helps you cover the cost of repairing the car's key and lockset if damaged. The coverage extends to replacing the key and locks on the car in case of lost keys or theft attempts.