• Loss or damage to your vehicle: The policy covers you against 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, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
  

• Personal accident cover: The motor insurance provides compulsory personal accident cover of Rs. 2 lakhs for individual owner driver of the vehicle insured while travelling in, mounting or dismounting from the car. You can also opt for a personal accident cover for passengers.

• Third party legal liability: This protects you against legal liability arising due to accidental damages
  - Permanent injury/ death of a person
  -Damage caused to the property.

• You can avail of our cashless claim facility at our Cashless Garage Network all across India.
• You can claim towing charges up to Rs 1,500 in the event accidental damage or loss to your vehicle as specified under the policy.
• Cashless claim settlement at network garages all across India.
• Avail of the following bonuses and discounts -
  
  No Claim Bonus: If you do not make a claim during the policy period, a No Claim Bonus (NCB) is offered on renewals. This discount can go as high as 50%. (NCB will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.)
  
  Transfer your NCB: You can transfer full benefits of No Claim Bonus when you shift your motor insurance policy to another company.

  The discount rate remains the same, provided you show evidence that you are entitled to No Claim Bonus from your previous motor insurance company.
  Evidence can be in form of

• Renewal notice or
• Letter confirming the NCB entitlement from the previous insurer
• NCB Declaration
  

  Click here to view the wordings of the written declaration

Voluntary Excess discount: A further discount on the premium is available if you opt for a Voluntary Excess in addition to the Compulsory Excess. (Compulsory Excess is the amount of loss which the insured has to bear in each and every claim.)

Click here to view Voluntary excess discount schedule.

Additional discounts: You can also avail of additional discounts if you are a member of a recognized Automobile Association in India.

Discount for Anti-theft Devices: In case you have installed ARAI approved anti theft device in your vehicle, you get a discount of 2.5 % on the OD Premium to a maximum of Rs. 500.

Cover yourself and your family: You can also opt for personal accident cover of up to Rs. 2 Lakhs for other unnamed passengers in your car. For e.g. your family, relatives, friends etc.

Customise your insurance with additional covers: Electrical and/ or non-electrical items fitted to the vehicle can be insured separately. For example: fog lights, music system, seat covers.

In case of vehicles fitted with bi-fuel system such as Petrol/ Diesel and CNG/ LPG, permitted by the concerned RTO, the CNG/LPG kit fitted to the vehicle is to be insured separately at an additional premium of 4% on the value of such kit. You need to specifically declare this in the proposal form

Under this policy, you are not covered against -

• Normal wear, tear and general aging of the vehicle
• Depreciation or any consequential loss
• Mechanical/ electrical breakdown
• Wear and tear of consumables like tyres and tubes
• Vehicle being used otherwise than in accordance with limitations as to use
• Damage to/ by a person driving the vehicle without a valid license
• Damage to/ by a person driving the vehicle under the influence of drugs or liquor
• Loss/ damage due to war, mutiny or nuclear risk

For more details, kindly refer to the Policy Wordings.

Car Insurance Product Code: Motor 01