Private Car Eligibility

• No-Claim Bonus – something you can control. We appreciate good and safe driving, which means you make no claims through the year. As a reward, we give you an awesome discount on the premium. Also, this bonus can be transferred over to your new car if you like. This discount can be accumulated on a yearly basis as mentioned below.

  • One claim-free year: 20%
  • Two consecutive claim-free years: 25%
  • Three consecutive claim-free years: 35%
  • Four consecutive claim-free years: 45%
  • Five consecutive claim-free years: 50%

• Voluntary Deductible, a minimum amount that you choose to pay of the claim amount, while we pay the rest. The higher your Voluntary Deductible amount, the lower is your premium. Thus, eventually discounting the premium. Please refer to the below table for appilcable Voluntary Deductible:

  • Rs 2500 : 20% on the OD premium of the vehicle, subject to a maximum of Rs 750/-
  • Rs 5000 : 25% on the OD premium of the vehicle, subject to a maximum of Rs 1500/-
  • Rs 7500 : 30% on the OD premium of the vehicle, subject to a maximum of Rs 2000/-
  • Rs 15000: 35% on the OD premium of the vehicle,  subject to a maximum of Rs 2500/-

Additional discounts if you. . .
• Are a member of any recognized automobile association
• Install an anti-theft device in your car
• Have covered the vehicle for specific location usage
• Have opted for Voluntary Deductible while buying the policy

Private Car Benefits

• NCB Retention

  We offer this add-on for any private car which is 2 years old or above. With this add-on, we can help you to retain your earned No-Claim Bonus (NCB) percentage, even after you've made a claim. Without this additional cover, the NCB would drop to 0% if you've made a claim in the previous policy period. Also note, if the value of your car is less than or up to Rs. 10 lakh, you can avail of this add-on while renewing your previous policy with us or even a previous policy from another company.

  The retainable NCB is applicable when :

  • The NCB percentage of the vehicle should be 25% and above
  • One approved accidental claim is made during your policy period
  • The total value of the claim payment made during your policy period is up to 25% of the value of your car, as mentioned in your policy
  • Your policy is renewed with us, within 90 days of its expiry, which is the normal grace period for availing NCB

• Personal Accident Bundle Cover

  • As part of the Optional Personal Accident cover, we provide you a cover against accidents anywhere in the world regardless of who is driving the car. Under this cover, you are insured against Accidental Death and Permanent Total Disablement.

• Motor Secure Plus Cover

  • The Motor Secure Plus cover includes Nil Depreciation, Consumables & Engine Cover..

• Nil Depreciation Cover

  Nil Depreciation Cover is helpful to combat the depreciating value of your car. With this add-on, there is no deduction for depreciation even on the car's parts, other than tyres and tubes. Things to consider when you opt for this add on :

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured car only if it is repaired by/ at one of our authorised dealers or workshops.
  • Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable, if you have opted for it.
  • Your policy is renewed with us, within 90 days of its expiry, which is the normal grace period for availing NCB

• Consumables Cover

  This add-on element covers expenses incurred by you on the consumable items in case of damage to the car insured and / or to its accessories, arising out of any peril as covered under your policy on approved partial loss claims. Consumable items include nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil. Things to consider when you opt for this add on :

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured vehicle only if it is repaired at one of our authorised dealers or workshops.

• Engine Cover

  With this add-on, we cover you for expenses incurred while fixing indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to :

  • Engine Parts
  • Differential Parts
  • Gear Box Parts

  The coverage is available only for the claims intimated within 7 days of the loss or damage

• Motor Secure Premium Cover

  • This cover includes Nil Depreciation, Consumables, Engine Cover and Key Protect Cover.

• Key Protect Cover – Private Cars

  With this, we cover the expenses you make while repairing or replacing your car keys and / or locks and / or lockset, including the locksmith's charges. You can make a claim during your policy period if the loss has occurred due to theft or burglary or loss of / damage to the keys, lock or the lockset. Things to consider when you opt for this add on:

  • The coverage will be available only for a maximum of two claims during your policy period.
  • A claim resulting from burglary or theft should be supported by a First Information Report (FIR) with the police.
  • The replaced keys / lock / lockset is of the same nature and kind as the one for which the claim has been made.
  • The loss or damage to the keys / lock / lockset is reported to us within 7 days of the loss or damage.
  • Replacement of key(s) will be allowed for broken or damaged keys only.
  • In case of theft or misplacement of key(s), the entire set comprising of key, lock and lockset will be replaced, subject to the handing over the other key(s) to us.

Private Car Features

• 24x7 Anywhere Assist service, which is free of charge. We offer roadside help within a large 25-km radius of your car breakdown location for any of the following problems:We've tried to cover all the basic elements in our vehicle insurance policy, so if your car is damaged due to any of the following reasons, or lost, we have it covered!

  • Accident
  • Fire
  • Lightening
  • Self-Ignition
  • Explosion
  • Theft
  • Riot & Strikes and / or Malicious Acts
  • Terrorism
  • Earthquake
  • Flood
  • Cyclone Inundation
  • Transit by Rail, Road, Air & Elevator

• 24x7 Anywhere Assist service, which is free of charge. We offer roadside help within a large 25-km radius of your car breakdown location for any of the following problems:

  • Towing Assistance
  • Battery Jumpstart
  • Minor Repairs
  • Tyre Punctures
  • Emergency Fuel Assistance
  • Delivering Back-Up Key
  • Organising a taxi
  • Organising Hotel Accommodation
  • Sending Outgoing Messages

• we also bring to the table some add-on covers that will help to customise your automobile insurance policy. Here's what you can choose from!

  • Electrical or Electronic Accessories
  • Non-Electrical Accessories
  • Bi-Fuel Kits Comprising LPG/CNG Systems
  • Legal Liability to Employee, Paid Driver, Cleaner & Conductor
  • Racing & Speed Tests/div>
  • exterity Trials & Hill Climb Extensions

Private Car Claim Process

• We aim to make claim process as smooth as possible for your convenience. Here's how it works:
• Register your claim by calling our Toll free Helpline no. 1800 3009 as soon as the claim occurs.
• Take your vehicle to any of our authorized network garages for repair. Submit the require documents to the surveyor.
• Company confirms liability
• If you opt for cashless facility, get your vehicle repaired by our company-authorised garages. We will settle the repair bills directly with the garage up to the amount payable
• In case you do not opt for cashless facility, you have to pay for the repair charges. You can then submit the bills and claim form to the surveyor/company for settlement
• Vehicle Delivery

Private Car Exclusions

• Although we'd like your motor insurance to cover all types of situations, it isn't possible. Some of the exclusions are:
• Normal wear-and-tear of the car
• Mechanical and electrical breakdown
• Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose.
• 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.
• Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.