That apart, you should get your car insured because it saves you from any financial loss caused due to accidents, damage or theft of your car. The Third Party Liability Car Insurance policy is generally chosen by individuals who want to buy car insurance as it is mandatory by law. it is in the insurer's authorized network garage for more than 30 days for repairs.​. 50/- irrespective of any period of insurance, not exceeding 12 months. Cars being used outside of the limitations placed on the usage, Damage to / by person driving without a valid driving license, Loss or damage due to depreciation of the car’s value, Consequential loss i.e. For superior risk coverage, we have compiled a mix of add-on covers in a single package. The higher your voluntary deductible, the lesser will be your premium.​  Know what are deductibles for car insurance before purchasing. IDV (Insured Declared Value) is the current market value of the car which is calculated after deducting the depreciation amount. Now a dent in your car will not​ cause a dent in your finances. A Comprehensive package policy as the word signifies complete, offers extensive protection due to accidental damages to both parties involved . All expenses incurred on consumable items are covered in case they are damaged due to perils covered our policy. The value of the item is as stated by you i.e. This personal accident cover provides compensation in case of death or permanent disabilities due to an accident involving the insured vehicle. The poor road conditions and a blatant disregard for traffic regulations make Indian roads one of the most dangerous in the world. The feeling I got at the end of the chat was that the team was happy to serve their customers. 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.​​​​, Triggere​d if >3days vehicle under repairs due to perils/OD, Allowance Limit Rs.5000/- per day (For Pvt car limit can be increased further), Lumpsum theft benefit, if vehicle is not recovered <=90 days​, Vehicle is in repair,​​ vehicle loan EMIs will gets paid, Payment directly made to financial institution, Comprehensive Car Insurance Policy or Package Policy, You are a member of any recognized automobile association, You have installed an anti-theft device in your car, You have covered the vehicle for specific location usage. At the time of renewal, the features, as well as the insurance company, could be changed to a completely new one. If this driver meets with an accident while driving your car, you will need to compensate him / her or that person’s family for the injury or loss of life. The risks that we don’t cover in this car insurance policy are as follows​: ​Third-Party Cover is mandatory in India. The loss or damage to the keys/lock/lockset is reported to us within 7 days of the loss or damage. What do you mean by Constructive Total Loss? An annual premium for a new Maruti Vitara Brezza starts at Rs. A page that helps you LiveSmart every day. Zero documentation is required to buy a car insurance policy online. Brochure could not be sent to Your Email Address. It covers you against legal liability for injury or death or property damage caused to any third party, who is not in the insurance contract in an accident. • There is an addition of LPG / CNG kit, electrical / non-electrical accessories, anti-theft device, addition or change of hypothecation in your car. Customer can opt-out of this cover if he already has other PA cover covering (Death & Permanent Disability) up to the extent of minimum 15 lacs or is covered with other CPA policy under motor insurance in other vehicles owned by him. In this case, you need to make the complete payment to the garage at the time of the repairs. We award a discount on the Own Damage premium if your car is fitted with an ARAI-approved anti-theft alarm and locking system. Claim Form has been sent to Your Email Address. Own Damage claim. Also, it is important to file an FIR in the nearest police station which would be a document that the insurer will require. This add-on cover compensates for the depreciating value of your car. I got my car insurance in minutes and I am really happy with their services. We offer a wide range of add-on covers to ensure superior protection from a v​ariety of risks. • There is a change or correction in your address, • There is a change in car, RTO or registration number of your vehicle. the insured. The more secure way you opt for, the more is the premium thus it is important to find a good balance between the premium you can afford which is also secure. You can even switch the company and the features. This is the present market value of a car. Also, the payment can be made online and a new renewed insurance paper will be generated, a copy of which would serve for the original purpose. There could be many reasons that your policy could have lapsed and you need to renew the policy before the expiration date to continue driving your vehicle safely. Our agents will confirm the liability after the inspecting the damage. Also, knowing the. Your staff has given good support and guided me till I received my policy document. 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