COCODrive Private Car Policy - Navi General Insurance - Bundled

We protect you and your vehicle from accident and associated consequences. Everyone likes to have his or her own set of wheels whether for work or social reasons. For some, the car is their first love. Owning a car is an expensive investment. Which is why it's necessary to protect yourself, your occupants and most importantly, your precious car against huge losses and legal liabilities if the unforeseen happens.

With Our DIGI Drive Private Car Package policy, you get right and complete protection for you and your Vehicle.

Applicability:
Any private registered Private Car is eligible for this insurance.

Benefits:

Third party liability:
Our policy protects you against any legal liability arising out of the use of the vehicle, towards third party bodily injury and any third-party property damage.

Loss or damage to the vehicle:
Our policy covers you against any loss or damage caused to the vehicle or its accessories due to the following risks:

Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rock slide, Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, and any damage in transit by road, rail, inland waterway, lift, elevator or air.

Sum Insured:
Your vehicle is insured at a fixed value called the Insured's Declared Value (IDV). IDV is calculated on the basis of the manufacturer's listed selling price of the vehicle (plus the listed price of any accessories) after deducting the depreciation as per age of your vehicle as per table:



If the price of any non - electrical accessory or electrical / electronic accessory installed in the vehicle is not included in the manufacturer's listed selling price, then the actual value (after depreciation) of this item can be added to the Sum Insured over and above the IDV for extending the cover to these
items as well.

Similarly, CNG-LPG bi-fuel kit can also be covered by paying additional premium.

In the unfortunate event of total loss or theft, we pay you the IDV mentioned on the policy without any deduction.

Additional covers at extra cost:

Owner Driver Personal accident cover: Policy provides compulsory personal accident cover of Rs. 15 lakhs to individual owners of the vehicle while driving the insured vehicle or mounting into/dismounting from the vehicle insured or whilst travelling in it as a co-driver provided they have valid driving license to drive the vehicle.

This cover is not applicable for a Company owned vehicle.

Occupants of Vehicle can also be covered for Personal Accident for a maximum Capital Sum Insured of Rs. 2 lakhs per person.

Additional Legal liabilities:
The following legal liabilities may also be opted at an additional premium.
Employed paid driver.
Your employees travelling in/driving your vehicle

Premium:
Premium will be charged as per rate applicable on the date of insuring the vehicle.