Long Term Car Insurance

Running deadlines, tight schedules, long working hours have made our lives so busy that we often miss out on important things. If that's the case with you, we understand your problem and here's a quick solution for you. Presenting, Long Term Car Insurance Policy that makes the mundane task of renewing your car policy every year simple. This policy allows you to insure your beloved vehicle for up to 3 years without facing the hassle of annual renewals.

What does this policy cover?
If you suffer damages caused due to any of following reasons, we've got you covered



Make your car insurance premium more affordable with our special discounts

No Claim Bonus
The No Claim Bonus is your rightful reward for being a responsible driver. As our responsible customer, you can enjoy No Claim Bonus which increases progressively on a yearly basis, until the discount reaches a whopping 50%.

Voluntary Deductible
You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. A Voluntary deductible is a minimum amount that you choose to pay from the claim amount. The higher the Deductible amount, the lower is your auto insurance premium. Please refer to the below table for the applicable Voluntary Deductible-



Additional Discounts
Besides the attractive discounts offered by NCB, you can avail additional discounts on auto insurance in case

You are a member of any recognized automobile association
You have installed an anti-theft device in your car
You have covered the vehicle for specific location usage

What does this policy not cover?
As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover:

General wear-and-tear of the car

Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose.

Mechanical and electrical breakdown

Damage to/by person driving without a valid driving license

Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance

Loss or damage due to depreciation of the car's value

Loss or damage due to war or nuclear risks

Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered under our motor car insurance

Compulsory deductibles - a fixed amount that gets deducted at the time of the claim