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Motor Insurance


It Includes

Motor insurance includes Private Cars, Motorized Two Wheelers and Commercial Vehicles:


  • Two Wheeler
  • Private Car
  • Commercial Vehicle

Liability for death or injury to third parties

This means that you are insured against death or injury (caused by your vehicle) to pedestrians, occupant of other vehicles, and outsiders other than passengers.

  • Third party injury or death
  • Third party property damage caused to their property

The Policy does not cover use for:

  • Organized racing
  • Pace Making
  • Reliability Trials
  • Speed Testing

The vehicles are insured at a fixed value called the Insured’s Declared Value (IDV). IDV is calculated on the basis of the manufacturer’s listed selling price of the vehicle (plus the listed price of any accessories) after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff. If the price of any electrical and / or electronic item installed in the vehicle is not included in the manufacturer’s listed selling price, then the actual value (after depreciation) of this item can be added to the sum insured over and above the IDV.

General Exclusions

The Policy does not cover any claim due to

  • Loss or damage to your vehicle: Any loss or damage caused to the vehicle due to the following natural and man made calamities
  • Natural Calamities – Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
  • Man made Calamities – Burglary, theft, riot, strike, malicious act, accident by external means, any damage in transit by road, rail, inland waterway, lift, elevator or air.
  • Personal accident cover: The motor insurance provides compulsory personal accident cover for individual owner driver of the vehicle insured while traveling in, mounting or dismounting from the vehicle. You can also opt for a personal accident cover for pillion rider.
  • Third party legal liability: Protects against legal liability arising due to accidental damages, any permanent injury/ death of a person and/or any damage used to the property.

Scope Of The Policy

This policy provides the following covers

  • Fire exclusion or the lighting
  • Self-ignition
  • External explosion
  • Burglary
  • Housebreaking or Theft
  • Malicious act
  • Riot and strike
  • Terrorism
  • Earthquake
  • Flood
  • Cyclone and inundation
  • Whilst in transit by rail, road, air, elevator, lift
  • Land slide/rock slide

Loss or Damage to your Vehicle

Any partial or total loss to your vehicle arising out of accident or on account of fire and allied perils in covered. Please click to Coverage’s and Exclusion for details

Sum Insured

The vehicles are insured at a fixed value called the Insured’s Declared Value (IDV). IDV is calculated on the basis of the manufacturer’s listed selling price of the vehicle (plus the listed price of any accessories) after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff. If the price of any electrical and / or electronic item installed in the vehicle is not included in the manufacturer’s listed selling price, then the actual value (after depreciation) of this item can be added to the sum insured over and above the IDV.


Extensions

  • Loss or damage to electrical accessories
  • Loss or damage to Non-electrical accessories
  • Personal Accident cover for insured or any named person or unnamed Passengers
  • Legal liability to person’s employees (paid drivers/cleaners)
  • Legal Liability to employees of the insured (other than paid drivers/cleaners) by paying an additional premium, you can opt for these extra covers

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