Private Car Insurance India

Private Car means the vehicle which we own for own self use or own home use. These vehicle registered under white no. plate. Normally R.T.O. issues R.C. for 10 year to 15 years period under this segment

Last updated: 07-Jul-2023 14:57:pm

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Type of Coverage

Liability Only / Third- Party Only

Package Policy / Comprehensive Policy

Third-Party Policy

This is mandatory cover, enforced by law, serves to protect the insured from claims arising from a third party. When the insured vehicle in at fault . This cover will pay for only fiscal liability and will also take care of any legal repercussions that arise out of the accident. Read More

Package Policy

A package policy or a comprehensive policy covers loss or own damage (OD) to the vehicle insured in a addition to all the covers provided by a third-party policy. It is the non-compulsory 'own damage cover' part of the comprehensive motor policy that actually pays you in case of damage to your vehicle caused by accident, theft, fire, explosion, self-ignition, lightning, riots, strikes or act of terrorism, natural calamities.

By fire explosion self ignition or lighting.
By burglary housebreaking or theft.
By riot and strike.
By Earthquake (Fire and Shock Demage).
By flood typhoon hurricane strorm tempest inundation cyclone hailstorm frost.

By Accidental external means.
By malicious act.
By terrorist activity.
While in transit by road rail inland-waterway lift elevator or air.
By landslide rockslide

What is Not Covered Under above said Insurance ?

The major policy is a yearly contract and has to be renewed without a break. In case any damage happens post the expiry, the loss won't be covered. Read More