Private Car Insurance Eligibility

  • Age Discount:
    • If the age of the Insured is between 35 years to 45 years – 5 % Discount on the Own Damage Section of the policy.
    • If the age of the Insured is between 46 years to 60 years – 10 % Discount on the Own Damage Section of the policy.
  • Occupation Discount:
    An insured pursuing any of the following occupation can avail 5% discount on the Own Damage Section of the policy:
    • A fully qualified and practicing Chartered Accountant
    • Serving in defense and paramilitary services
    • Teaching in government recognized Schools, Colleges, and Universities & Educational Institutions
    • Employees of Central / State Government departments
    • Qualified medical doctors who are registered with any Government recognized Medical Council
    • For Occupation related discounts on your motor insurance, you need to submit either the education or employment certificate

Private Car Insurance Benefits

  • Cashless claim service over 3400+ authorized network of garages across India.
  • Avail a host of discounts – No claim bonus, Discount for Automobile Association Members, Discount based on age and profession.
  • Comprehensive support through our dedicated customer support team.
  • No lengthy procedures.
  • Instant Online Policy.
  • Zero Depreciation Claim.
  • The policy pays the full claim without any deduction for depreciation (excludes Tyres and Batteries) applicable on the own damage section. However, depreciation for parts excluded under India Motor Tariff is payable.

Private Car Insurance Features

A package Motor Insurance policy would cover the following:
  • Loss Or Damage To The Vehicle Insured:
    • Earthquake, Flood, Storm, Landslide or Rockslide
    • Transit by road, rail, inland waterways, air or lift
    • Terrorism, Riots, Strikes, Malicious Acts
    • Fire, Explosion, Self Ignition, Lightning
    • Burglary, House Breaking Theft
    • Accident by external means
  • Liability to third parties:
    • The policy would also cover your legal liability arising out of an Injury / Death of a third party and Property damage of a third party incase of an accident involving your vehicle.
  • Personal Accident Cover :
    • The policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 Lacs covering Accidental Death and Permanent Total Disability. It also covers the named and unnamed passengers upto the seating capacity of the vehicle and paid driver.
  • Zero Depreciation Claim :
    • In consideration of the payment of additional premium paid by the Insured and realized by the Insurer not withstanding anything to the contrary, it is hereby understood & agreed that for the purpose of this policy, in the event of partial loss, the depreciation applicable under section 1 of this policy would stand deleted.

Private Car Insurance Claim Process

  • For Accidental Damage to Insured Vehicle (Own Damage Claims):
    • Call our customer care Toll-free 1800-2-700-700 (Accessible from India only) if the vehicle meets ¡with an accident and provide your policy number for reference and register the claim.
    • Alternatively, you can visit and register on IPO (available on website/Download IPO app on your smart phone) by providing personal details, link your policy and register your claim under "Claims" tab.
  • Please keep the following details handy while intimating a claim
    • Policy No.
    • Registration details/ RC
    • Drivers details at the time of accident including driving license number
    • FIR on a case to case basis
    • Repair estimate

Private Car Insurance Exclusions

  • General Ageing, wear and tear.
  • Damage by a person driving without a valid driving license.
  • Mechanical or Electrical breakdown, failure.
  • Damage by a person driving under the influence of Liquor/Alcohol/Drugs.
  • Depreciation, any consequential loss.
  • Loss /Damage attributable to War /Mutiny /Nuclear risks.
  • Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.
  • Loss /Damage, outside India.