Motor Private Car

Private Car Insurance Policy covers Vehicles used for social, domestic and pleasure purpose and also for professional purpose (excluding carriage of goods other than samples) of the insured or used by insured's employees for such purpose but excluding use for hire or reward, racing, pace making, reliability trial, speed testing and use for any purpose in connection with the Motor Trade.

What does this Policy cover?
The Policy covers loss or damage to the vehicle insured arising out of:
Fire, explosion, self ignition, lightning, burglary, theft, riot, strike, malicious act, terrorism, earthquake, flood, typhoon, accidental external means, landslide or rockslide, road/rail/inland waterway/air transit
It also provides cover against Legal Liability to third party personal injury and property damage arising out of an accident involving the vehicle as required under Motor Vehicle Act.

The Policy further provides for compulsory Personal Accident cover for owner driver.

Optional Extensions
Loss of accessories
Legal liability to paid driver, cleaner or any workman
Personal Accident to the occupants
Increased legal liability to property damage of third party for a limit of Rs 7.5 lakhs

Private Car Add-ons
Nil Depreciation cover
Return to Invoice
Daily Cash Allowance
Accidental Hospitalization Clause for Family
Key Replacement
Road Side Assistance
Cost of Consumables
Secure Towing (Higher Towing and Removal Costs)
Hydrostatic Lock Cover
Engine Protector
NCB Protector

Other Salient Features
Provision of No Claims bonus for claims free experience.
Discount for opting higher voluntary excess
Discount for approved anti-theft devices installed in the vehicle.
Concession for specially designed/modified vehicle for blind, handicapped and mentally challenged persons
Depreciation, for the parts needing replacement in the accident is defined.
Discount for specially Designed/ Modified vehicles for the blind, handicapped and mentally challenged persons.

The Policy does not cover the following
Any accidents outside the Geographical Area
Consequential loss, normal wear and tear
Driving without valid licence for the class of vehicle. Driving under the influence of liquor/drugs
Vehicle not being used as per Limitation as to use defined