Car Insurance Solutions
Comprehensive vehicle protection with third-party liability, comprehensive coverage, zero depreciation, and roadside assistance. Secure your car with trusted insurance policies and cashless claim settlements.
Car Insurance Exclusions & Limitations
Understanding what your car insurance doesn't cover is crucial for making informed decisions. Here are the common exclusions and limitations to be aware of when purchasing car insurance.
- Damage due to driving under influence of alcohol or drugs
- Using vehicle for commercial purposes without declaration
- Mechanical or electrical breakdown not due to accident
- Damage to vehicle due to wear and tear
- Consequential losses like loss of use or earning
- Damage due to war, nuclear risks, or terrorism
- Using vehicle outside geographical limits
- Damage when vehicle driven by unlicensed person
Comprehensive Car Insurance Features
Our comprehensive car insurance provides extensive coverage for your vehicle with modern features and benefits designed to give you complete peace of mind on the road.
Third Party Liability
Mandatory coverage for damages to third party property, injury, or death as per Motor Vehicle Act.
Own Damage Coverage
Protection against damage to your own vehicle due to accidents, theft, fire, and natural calamities.
Zero Depreciation
Get full claim amount without depreciation deduction on plastic, metal, and rubber parts.
Roadside Assistance
24/7 emergency services including towing, battery jump-start, flat tire assistance, and fuel delivery.
Personal Accident Cover
Compensation for death or permanent disability of owner-driver up to ₹15 lakhs.
Cashless Claims
Get your vehicle repaired at network garages without paying upfront through cashless facility.
Motor Insurance Coverage Types
Choose from different types of motor insurance coverage based on your vehicle type, usage, and protection needs. Each coverage type offers specific benefits and protection levels.
| Coverage Type | Third Party Liability | Comprehensive | Standalone Own Damage |
|---|---|---|---|
| Third Party Coverage | ✓ Included | ✓ Included | ✗ Not Included |
| Own Damage Coverage | ✗ Not Included | ✓ Included | ✓ Included |
| Personal Accident | ✓ Included | ✓ Included | ✗ Not Included |
| Legal Requirement | Mandatory | Voluntary | Voluntary |
| Premium Cost | Lowest | Highest | Moderate |
Life & Vehicle Protection Benefits
Combining life insurance with vehicle insurance provides comprehensive protection for you, your family, and your valuable assets. Here are the integrated benefits of having both coverages.
- Complete family financial security with life insurance
- Vehicle protection against accidents and damages
- Tax benefits under Section 80C and 80D
- Emergency assistance for both health and vehicle
- Cashless settlements for claims and treatments
- 24/7 customer support for all insurance needs
- Family personal accident cover in vehicle insurance
- Comprehensive protection for lifestyle and assets
Car Insurance Add-on Covers
Enhance your car insurance with valuable add-on covers for complete protection and peace of mind while driving.
Zero Depreciation
No depreciation deduction on claim settlement for plastic, rubber, and metal parts.
Engine Protection
Coverage for engine and gearbox damage due to water ingression or oil leakage.
Roadside Assistance
24/7 emergency services including towing, battery support, and fuel delivery.
Key Replacement
Coverage for lost or damaged car keys including reprogramming costs.
NCB Protection
Protect your No Claim Bonus even after making a claim during policy period.
Passenger Cover
Personal accident cover for passengers traveling in your vehicle.
Protect Your Vehicle Today
Get comprehensive car insurance coverage with the best rates and extensive benefits. Compare plans, calculate premiums, and choose the perfect policy for your vehicle protection needs.
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