Navigating the world of car insurance can be tricky. Understanding what’s covered under your policy is essential to ensure you’re adequately protected. Here’s a breakdown of the key coverage options available in a comprehensive car insurance policy.
- Theft of Your Vehicle
If your car is stolen or deemed a total loss due to an accident, our comprehensive car insurance policy will reimburse you for the Insured Declared Value (IDV) or the total market value of your vehicle.
- Protection from Natural Disasters
Natural disasters can strike unexpectedly. Fortunately, a comprehensive car insurance policy or standalone own damage cover provides financial protection against damage from events such as cyclones, floods, earthquakes, and severe storms.
- Coverage for Man-Made Calamities and Fire
Our comprehensive and own damage policies cover damages caused by riots, terrorist attacks, and other man-made disasters. Additionally, you’re protected from fire damage due to incidents like lightning strikes and explosions.
- Accident Damage Coverage
Whether it’s a minor fender bender or a major collision, accidents can lead to significant repair costs. A comprehensive policy ensures that you’re financially protected against the costs of repairing your vehicle after an accident.
- Transit Damage
If you need to transport your car via waterways, railways, roadways, or airways, our comprehensive car insurance policy covers any damages that may occur during transit.
- Third-Party Liability Protection
Under both third-party and comprehensive car insurance policies, you’re protected against liabilities arising from bodily injury, death, or property damage to third parties caused by your vehicle.
- Personal Accident Cover for the Owner-Driver
For added peace of mind, you can opt for a Personal Accident Cover of up to ₹15 lakhs with your comprehensive car insurance. This cover protects you against permanent disability, death, and significant injuries resulting from an accident. You also have the option to include coverage for unnamed passengers for enhanced protection.
- Enhance Your Coverage with Add-Ons
Want more specific protection? Choose from 17 different car insurance add-ons to customize your coverage. Options include Roadside Assistance, Engine Secure, Tyre Secure, and Zero Depreciation Cover, among others.
What’s Not Covered Under Your Car Insurance Policy?
While car insurance provides significant coverage, certain situations are not covered, including:
- Damages incurred while driving without a valid license.
- Accidents that occur outside the geographical area of coverage (i.e., outside India).
- Damage resulting from driving under the influence of alcohol or drugs.
- Ordinary wear and tear or depreciation.
- Costs associated with general maintenance.
- Negligence on the part of the driver.
- Use of a private vehicle for commercial purposes.
- Damage from speed racing or crash testing.
- War or nuclear-related damages.
- Any specific add-ons that are not included in your policy.
- Reimbursement of only 50% for consumable items due to wear and tear.
Understanding your car insurance policy’s coverage and exclusions can help you make informed decisions and ensure you have the protection you need. Drive safely!
