1)Comprehensive Coverage

• It is a complete package policy wherein own vehicle damages will be covered up to the Insured Declared value.


• Any third party property damage or third party injury/death can be covered.


• Policyholders feel less stressful as it gives end-to-end coverage.

2)Third Party Liability Coverage

• In India, third party liability coverage is legally compulsory under the Motor Vehicles Act.


• This vehicle insurance type offers coverage against all legal liabilities to a third party caused when insured is at-fault.


• It insures injury/damage caused by policyholder to third person or property.

3) Collision Coverage

• It financially protects the policyholder against damage of insured’s own car.


• Collision coverage pays the policyholder for damage caused because of


• Collision which generally occurs due to an accident.


• Loss or damage because of vandalism or theft

Why do you need Add-On Covers / Additional Riders?

• This cover makes you eligible to claim the full amount for replacing damaged parts of your car.


• It doesn't consider the depreciation value of the parts and allows you to receive the entire claim amount. It is generally available for cars under three years

What is not covered by Auto insurance?

• General Ageing, wear and tear


• Damage by a person driving without a valid driving license


• Mechanical or Electrical breakdown, failure


• Damage by a person driving under the influence of Liquor/Alcohol/Drugs


• Depreciation, any consequential loss


• Loss /Damage attributable to War /Mutiny /Nuclear risks


• Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement


• Loss /Damage, outside India

While we hope and pray that you may never need to use this information, it is important to be well-informed than lose money in the event of an unfortunate accident

Some points to remember in such situation are mentioned below:-

Always carry in your vehicle:-

1) Copy of policy/cover note
2) Car Registration Copy (RC Book)
3) Driving License Copy

Claim Process

1) Register an FIR

Note down the vehicle no. involved in the accident
Note down the witness name and contact no.
Intimate the claim by calling on toll free no. and providing the required details

2) Ask for the network garage near by calling the toll free no. and in case of non-networked garage, the bills will be reimbursed later after accessing the damages.