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Motor Insurance Policy

Motor insurance, also known as auto or car insurance, provides coverage for vehicles against various risks. It is a legal requirement in many places, aiming to protect vehicle owners from financial losses associated with accidents, theft, or other damages to the insured vehicle, as well as liability protection for third-party injuries or property damage.

Coverage

Own Damage (OD) Cover

Protects the insured vehicle against damages caused by accidents, natural disasters, theft, or vandalism.

Third-Party Liability

Covers bodily injury and property damage liabilities to third parties in the event of an accident where the insured is at fault.

No Claim Bonus (NCB)

Rewards policyholders with a discount on premium for every claim-free year.

Personal Belongings

Covers loss or damage to personal belongings inside the insured vehicle, such as electronic devices, luggage, or valuables, in case of theft or accident.

Personal Accident Cover

Offers coverage for bodily injuries or death of the insured and passengers in the insured vehicle.

Tyre Cover

Coverage for damages to the vehicle's tires caused by punctures, bursts, or other accidental events.

Add-On

Zero Depreciation Cover - Eliminates the deduction of depreciation on the value of parts replaced during repairs, providing more comprehensive coverage.

Roadside Assistance - Offers services like towing, fuel delivery, and minor repairs in case of breakdowns or emergencies.

Engine Protection - Covers damages to the vehicle's engine and its parts.

Return to Invoice (RTI) Cover - Ensures reimbursement of the original invoice value in case of total loss or theft of the vehicle.

Consumables Cover - Covers expenses for consumables like lubricants and brake fluid during repairs

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Exclusions

1. Drunk & Driving
2. Negligence or Unauthorized Use
3. Wear and Tear
4. Driving Without a Valid License
5. Use Beyond Policy Term

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