COCODrive Private Car Own Damage Policy Add-on Covers - Navi General Insurance

We protect you and your vehicle from accident and associated consequences. Everyone likes to own a vehicle to meet their personal and family commuting needs. Unfortunately, an unexpected event can bring financial loss and legal liabilities. Which is why it's necessary to protect yourself, your co passengers and your precious vehicle against losses and legal liabilities if the unforeseen happens.

With our Private Car Own Damage Insurance policy, you get right and complete protection for your car. We understand that specific solutions are required for your specific needs. Hence, we offer 12 Add on covers to fulfill your protection needs on Vehicle repair.

Zero Dep Cover : It relieves you from bearing the depreciation up to 50% on various parts and paint in the event of any damage to your vehicle due to an accident and helps you to make significant savings in case of an unfortunate damage to your vehicle.

Consumable Expenses : It provides you coverage for consumables associated with the damage to your vehicle which invariably is part of any claim you report to us thus complete protection for your vehicle. Consumables means Nuts, Bolts and Oils etc.

NCB (No Claim Bonus) Secure : It protects NCB slab mentioned in the policy schedule if only one claim is reported during the policy period provided claim is not for Theft & Total Loss. However, even in case of Theft of vehicle, protection will be available provided a new vehicle is purchased and insured with us within 90 days of settlement of claim

New Car for Old Car : In case of Total loss or Theft of vehicle this cover provides you difference between IDV (Insured Declared Value) and Invoice value of the new vehicle of same make and model enabling you to replace your vehicle easily without any monetary loss to you. Invoice means: Ex showroom + Road Tax + Registration expenses.

Engine Protector : It covers damage to Engine and Transmission parts due to ingress of water and/or leakage of oil due to external impact on the vehicle. This cover safeguards you from heavy expenses related to such incidents.

Daily Conveyance Allowance : While your vehicle is under repair, we will pay you an amount to take care of your conveyance charges till the time your vehicle is repaired for a maximum period of 15 days.

NCB Protector (Repair of Non-Metallic Parts) : Repair of parts is cost effective instead of replacement. If you choose to repair a claim of non-metallic parts like plastic, fibre, glass instead of replacement, NCB slab in your policy will not get impacted for one such claim.

Personal Belonging Protector : We will pay loss or damage to Personal belongings of you and occupants of your vehicle due to peril covered in your policy while lying in the vehicle but excluding Jewellery, money, paintings and articles of similar nature.

Key and Lock Replacement : If your vehicle key is lost or your vehicle is broken into; We will pay you cost of key and/or lock replacement expenses up to the sum insured chosen by you.

Tyre Replacement : In case of loss or damage to tyre due to perils covered in Section 1 of the policy, we will pay you cost of replacement of tyres. You have the option to choose protection- with/without reduction for depreciation of tyre.

Depreciation Cover- Specified Limit : It relieves you from bearing the depreciation up to 50% on various parts and paints in the event of any damage to your vehicle due to an accident and helps you to make significant savings in case of an unfortunate damage to your vehicle up to the amount specified in your schedule.

Roadside Assistance : You need not worry about breakdown of your vehicle while driving. Our Roadside Assistance Programme take care of such worries. You will get assistance in situations like puncture, towing to nearest workshop in case of breakdown, on site minor repairs, Fuel delivery, Journey continuation and medical co-ordination
etc.

Important Exclusions:
Apart from General Exclusions following are the exclusions applicable to respective add on covers:

Zero Dep cover
a) Deductible as mentioned in the policy schedule.

Consumable Expenses
a) Any consumable not associated with admissible Own Damage claim under section I (Own Damage) of the policy.

b) Any consumables that are related to wear and tear and not directly related to claim.

Engine Protector
a) Any consequential loss, wear and tear, mechanical & electrical failure and parts falling under warranty.

b) Loss or damage due to corrosion of engine or parts thereof due to delay in intimation.

c) Depreciation on parts unless zero dep cover is opted.

d) Deductible as stated in policy schedule.

NCB Protector-Repair of Non-Metallic Parts
a) If painting work is done without any repair associated with those parts.

Daily Conveyance Allowance
a) If Vehicle is not repaired at the Authorized Garage.

b) If claim under section 1 (Own Damage) is not valid and admissible.

c) If time required for repair of motor vehicle is up to 3 days.

d) if repair is delayed due to non-availability of spares.

e) If claim is only for windscreen or glass damage.

Tyre Replacement
a) loss or damage arising out of natural wear and tear.
b) any loss or damage within first 15 days of inception of the policy.

c) loss or damage to wheel accessories, any other parts.

d) if the tyres being claimed is different from tyres insured/supplied as original equipment along with the vehicle unless informed to us and mentioned/endorsed on the policy.

e) loss or damage resulting from hard driving due to race, rally or illegal activities.

f) loss or damage arising out of any manufacturing defect or design.

g) Theft of tyres or its parts accessories without vehicle being stolen or theft of entire vehicle.

h) Tyres with scratches, minor cuts, noise and vibrations that do not affect product function or performance

i) Any loss or damage to tyres that results from running of the vehicle with deflated tyres.

Key and Lock Replacement
a) If key is lost or stolen while left in the vehicle.

Personal Belonging Protector
a) Any goods or samples carried in connections with any trade or business is not covered.

Roadside Assistance
a) Act of God (including exceptional adverse weather conditions), earthquake, fire

b) Loss of or damage to luggage or other personal effects that might occur during the services performance.

c) Vehicles used for the purpose of racing, rallying, motor-sports.

d) Routine repairs/services at user's home or other location.

e) Consequential damages arising out of repair on the spot/ towing or any other roadside assistance services.

f) Any event not stated in coverage's.