Vehicle Protection Solution

You work hard to buy an automobile so as to enjoy the trips and may be to support the business needs. An uncertainty can occur anytime leading to heavy losses. The costs to get the vehicle repaired in the event of damage or replacing it just in case it is stolen can be huge. Hence it is most needed to buy an appropriate comprehensive policy cover.

A standard motor insurance is an insurance coverage mandated by law to enable one to drive on the roads in India. It mainly provides covers against liability damages (bodily injury caused to a third party and damage to the property of a third person and own car ) and unexpected repairs.

We at understand the needs and offer Comprehensive Motor Insurance products that provide the added protection for your vehicle. It further provides cover for liability, death or property damage of third parties.

Vehicle Insurance can cover some or all of the following items:

  • The insured party (medical payments)
  • The insured vehicle (physical damage)
  • Third parties (car and people, property damage and bodily injury).
  • Third party, fire and theft.
  • In some jurisdictions coverage for injuries to persons riding in the insured vehicle is available without regard to fault in the auto accident (No Fault Auto Insurance).
  • The cost to rent a vehicle if your vehicle is damaged.
  • The cost to tow your vehicle to a repair facility.
  • Accidents involving uninsured motorists.

Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.

Motor Insurance Policy

Motor Insurance or engine protection covers for misfortunes that you may acquire if your auto gets harmed or stolen. The premium measure of your auto protection is settled on the premise of Insured Declared Value or IDV of the vehicle. In the event that you build the IDV, the premium ascents and on the off chance that you lower it, the premium decreases. It is imperative for any policyholder to think about different choices before striving for an auto protection reestablishment or purchasing another arrangement.

Benefits & Features of Motor insurance

A typical Motor insurance policy covers damages to third party and to self.

The major benefits provided under a motor insurance policy are :

  • Direct settlement or cashless claims.
  • Depreciation Cover
  • Engine Protection Cover
  • 24X7 Road Side assistance
  • Towing Facility
Car Insurance

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Two Wheeler Insurance

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Types of Motor Insurance

Car Insurance

Car Insurance provides cover for accidental loss or damage to own car or to a third party.

Key Benefits of Car Insurance

Car insurance plan offers following benefits:

  • Coverage against loss or damage to the insured vehicle.
  • Coverage against loss or damage to your vehicle caused by accident, theft, fire, explosion, self ignition, lightning, riots, strikes or act of terrorism, natural calamities.
  • Coverage against financial liability caused by injury/death of a third party or damage to the property.
  • Personal accident cover.
Documentation Required for Car Insurance
  • For a new policy-Filled proposal form and copy of Registration Certificate
  • For Renewals-Copy of registration Certificate along with copy of previous insurance policy
What is not covered in Car Insurance?
Following features are usually not covered in car insurance:
  • Loss or damage if a policy is not in force.
  • Gradual wear and tear of car and its parts.
  • Loss or damage to vehicle when driven by person without a valid driving license.
  • Loss or damage to vehicle as a result of intoxication due to drugs, alcohol etc.
  • Loss or damage to engine as a result of oil leakage.
  • Loss or damage to vehicle as a result of abuse of car manufacturer's guidelines.

Two Wheeler Insurance

Similar to a Car Insurance, two wheeler insurance provides protection to two wheelers. The features of a two wheeler policy are more or less similar to those of a car insurance.

Commercial Vehicle Insurance

Commercial vehicle insurance helps all commercial vehicle owners to cover losses they may incur due to damage to their commercial vehicle. It also provides protection against any legal liability from accidental damage / injury / death.

Documents required for motor insurance claim

Generally, the following documents are required to be submitted. Please, read through your policy to see the complete list—duly filled in claim form, RC copy of the vehicle, Original estimate of loss, Original repair invoice and payment receipt. In case cashless facility is availed, only repair invoice needs to be submitted and FIR, if required. For theft claims, the keys are to be submitted. Theft claims would also require non-traceable certificate to be submitted.

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