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A person who owns a vehicle either four-wheeler or two-wheeler, is the most precious possession for him. Hence, it is important to ensure its safety. The best way to protect your vehicle is through motor insurance. A motor insurance policy not only saves your money in cases of extensive repairs or loss of vehicle but also gives you peace of mind. Motor insurance is of two types - third party and own damage cover. While third party motor insurance is mandatory by law for all vehicles plying on road, own damage cover is optional. A comprehensive motor insurance policy consists of both third party cover and own damage covers. Third party motor insurance policy compensates you for the loss against physical damage, theft and third party liability. On the other hand, a comprehensive motor insurance policy provides cover for the liability arising out of the third party as well as the loss or damage to your own vehicle.
The first and foremost reason to have car insurance is because it is mandatory by law to have motor insurance for every vehicle plying on road. Car insurance provides coverage against loss or damage to your vehicle due to accident, theft, fire, explosion, self ignition, lightening, riots and natural calamities.
If you own a two-wheeler, either bike, scooty or scooter, it is mandatory by law to have two-wheelers insurance. It provides protection against financial liability arising out of incidences such as theft, damage or third party damage or death caused by your vehicle.
What Is Covered?
Financial liability caused by injury/ death of a third party or damage to the property
Loss or damage to insured vehicle
Loss or damage to your vehicle caused by accident, theft, fire, explosion, self ignition, lightening, riots, etc.
Cover against natural calamities such as storm, floods, earthquake etc.
Personal accident cover
Burglary, theft or housebreaking
Premium Saving Factors
No Claim Bonus (NCB)
No-Claim Bonus (NCB) is cumulative in nature. It increases every year. It ranges from 0-50%.
Voluntary Deductible
It is the amount that you agree to pay from your own pocket before the insurer pays the rest claim.
Anti Theft Features
If your vehicle is fitted with anti theft devices, insurer will offer you additional discount.
Add-on Covers
Roadside Assistance
This is offered as a part of a motor insurance policy which could be very useful if your vehicle needs to be repaired on the move. Insurers provide certain services 24/7 such as refueling, toeing, flat tyre change, mechanic services, etc.
Return to Invoice
If there is an accident or your car is stolen and car needs to be replaced, this rider ensures that the entire value of your car is paid by your insurer. You can claim your (IDV), along with the registration amount that was paid at the time of purchase.
Zero Depreciation
Depreciation is deducted from the assessed loss in claim process. It ensures that full value of spare parts is paid during the settlement and no depreciation is deducted. Entire expense is incurred by insurer when car gets damaged on collision.
No-claims Bonus Protector
The No-claims bonus protector add-on cover ensures that your no-claim bonus remains unchanged, irrespective of whether you have applied for claim benefit or not. It protects your no claim bonus for any undesirable situation
Some Important Terms Related to Motor Insurance
Insured Declared Value (IDV)
It is the maximum amount to be paid by the insurer at the time of a claim, if a vehicle is a total loss or stolen. It is calculated on the basis of the manufacturer's listed selling price, which will include taxes.
Compulsory Deductible
It is an amount decided by your insurer that you need to pay from your own pocket at the time of a claim before insurer kicks-in. The amount varies on the basis of cubic capacity of the vehicle.
Cover Note
It is a temporary insurance proof which is issued to the policyholder before the issuance of actual insurance document. A cover note is valid for 60 days from its issuance date and replaced by original insurance policy.
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