• Inclusions and Exclusions of Car Insurance

    Car Insurance
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    • Choose from a variety of zero depreciation and roadside assistance covers
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    No one should buy a car insurance because it is enforced on you by the law. You should always buy an insurance because it is the need and want for the vehicle and you. And you shouldn’t stop there, it is important to know the extent of cover for the type of insurance you have chosen. This will help you in claims and renewals where you can avail the benefits if all the details and situations are in par with the policy specifications.

    Important tips:

    • Do not drink and drive, let your friend who is not intoxicated drive to avoid accidents.
    • Drive your vehicle in accordance with the traffic rules. Avoid collisions and maintain a safe distance between you and the other vehicles.
    • Stop and go in cross roads and pedestrian crossings.
    • Do not claim for smaller amounts as it will freeze annual discounts on insurance policy.
    • Buy the right policy after a thorough research and do not run into any deal without considering other options yourself.

    Inclusions and exclusions in Third-party car insurance policy:

    • If you have caused accident or injury or damage to the third-party person or his/her property, then the insurer is liable to pay compensation for the same.
    • Any damages caused to you or the car is not covered under this policy.

    Inclusions in a Comprehensive car insurance policy:

    • This is also known as own damage cover, and therefore any damages caused to the insured vehicle is covered under the policy.
    • In few company policies, personal accident cover is included in the basic policy. If it is not covered then it is advised that you purchase this cover as an optional cover in addition to the basic policy.
    • Covers natural calamities like landslides, earthquakes, floods, storms, etc.
    • Man-made disasters is also covered for situations like theft, riots, public protests, burglary, house breaking, terrorism attacks, fire, self-ignition, etc.
    • Total loss or damage of the vehicle is covered wherein the insurer will pay the IDV value of the vehicle.
    • Damages done to the third-party person or property and the legal liabilities attached to it is also covered.


    • If your policy is not renewed or lapsed, until you renew the policy, no claim done in the meanwhile will be covered as the policy is considered as invalid.
    • Damages caused in nuclear war or attack.
    • Driving while intoxicated with drugs and alcohol.
    • Normal wear and tear caused due to ageing of the car.
    • Mechanical and electrical breakdown
    • Consequential damage
    • Depreciation
    • Personal vehicle used for commercial purpose
    • Malicious activity where in underage drivers without a permit driving the vehicle is not covered
    • Staged accidental losses

    Please note that buying a minimum policy that is the third-party policy is not enough, buying a comprehensive policy that provides a complete protection for a longer run is important. If you purchase add-on covers like zero-depreciation, return to invoice cover, anti-theft device cover, etc. it will not only add more value to the policy, but will also increase the extent of cover in the event of accidents and mishaps. It is only optional that you purchase these covers and not mandatory. However, covers like zero-depreciation will save you from depreciation calculation while claiming for a damage. Read the documents carefully before signing on them and a proper research online wouldn’t hurt either. Insuring the car you bought with the blood and sweat earnings of your own, is just as important as enjoying driving the beautiful machine.

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