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  • What is Covered and What is Not Covered Under Car Insurance Policy?

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    As a car owner in India, it is mandatory for you to avail at least a third-party liability cover as per the Motor Vehicles Act. Car insurance protects you from any unforeseen liabilities that you may incur as a result of an unfortunate mishap. Car insurance plan can be a comprehensive one that covers third-party liabilities and own damage liabilities or a third-party liability car insurance plan that covers third-party liabilities. Car insurance plan comes with a number of inclusions and exclusions. Knowing what is covered and what isn’t covered under your insurance policy will motivate you to ride your vehicle safety, avoid being discontent with the claims and getting maximum car insurance coverage.

    Inclusions in Car Insurance Policy

    Car insurance policy comes with a number of inclusions, a few among them are mentioned below:

    • Third-party liability cover inclusions:
      • Injury to third-party

    Liability towards injury to third party involved in the mishap.

      • Property Damage

    Liability towards damage to external property.

    • Vehicle Damage

    Liability towards damage to vehicle of the third-party involved in the accident.

    • Third-party liability cover exclusions:
      • Injury to self

    Liability towards injury to self due the mishap.

      • Damages to your car

    Liability towards damages to own car due the mishap.

    • Comprehensive car insurance inclusions:
      • Own car damage

    Liability towards damages to own car due the mishap.

      • Personal accident cover

    Liability towards injury to self due the mishap.

      • Natural calamities

    Liability towards loss/damage due to natural calamities.

      • Stolen car

    Liability towards loss of vehicle due to theft.

      • Man-made hazard

    Liability towards loss/damage due to natural calamities.

    • Permanent Inclusion List
      • Liability in case the policyholder was driving the vehicle with an expired insurance policy
      • Liability towards damage to vehicles as a result of war and nuclear peril
      • Liability in case the policyholder was driving the vehicle under the influence of alcohol and other intoxicants
      • Liability in case the vehicle has a pre-existing condition and after prolonged use becomes more damaged as a consequence
      • Liability in case the mishap involving the accident was staged with the aim of cheating the insurance firm to pay the claim amount
      • Liability in case the vehicle was damaged when being used for illegal activity
      • Liability in case the commercial vehicle was being used for personal purpose and vice-versa

    Exclusions that can be covered via add-ons

    You can add certain exclusions in the insurance policy by converting them into inclusions with add-on covers, a few of them are mentioned below:

    A zero depreciation cover protects the value of the car parts at any given point of time. The cover prevents the loss in the original value of the car parts due to depreciation.

    An engine protect covers the liability towards engine related issue post a misuse.

    A return to invoice protects the original invoice value of the car at any point in time. The cover prevents the loss in the original value of the car due to depreciation.

    A NCB protect prevents the the loss of the accumulated NCBs. With this cover, you can raise a claim request without losing any of the accumulated bonuses.

    • Consumables cover

    A consumables cove protects the value of the vehicle consumables such as nuts, coolant, etc.