Private Car Insurance Eligibility

  • NCB Discount
    • No Claim Bonus (NCB) is a discount on premium of the Own Damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period of one year. If you have NCB, you can avail a discount ranging from 20-50% on the Own Damage Premium. The NCB can be accumulated up to a maximum limit of 50% on OD premium.

Private Car Insurance Benefits

  • Hassle-free inspection & cashless claim service at more than 1900 network garages.
  • Claim settlement within 7 working days.
  • Transfer existing No Claim Bonus from any insurance provider.
  • Avail of additional protection & convenience through different add on covers.
  • Swift telephonic service for effective claims support & assistance even on Sundays & holidays, all available on a toll free number.

Private Car Insurance Features

A package Motor Insurance policy would cover the following:
  • Loss or damage to the vehicle due to:?
    • Accident
    • Fire
    • Lightning
    • Self-ignition
    • External explosion
    • Burglary
    • Housebreaking or theft
    • By accidental external means
    • Malicious act
    • Riot and strike
    • Terrorism
    • Earthquake, flood, landslide, rockslide, cyclone and inundation
    • Whilst in transit by rail, road, air, elevator, lift.
  • Personal accident cover in case of loss of limb or sight, disablement or death
  • Liability for third party injury or death and damage caused to their property
  • By paying an additional premium, one can opt for extra cover in case of:
    • Loss or damage to electrical and non-electrical accessories
    • Personal accident cover for the insured and any named or unnamed passenger(s)
    • Cover for lamps, tires/tubes, mudguards, bonnet etc. and paintwork of the damaged portion
    • Legal liability to person employed (paid driver /cleaners)
    • Legal liability to person employed travelling in the vehicle (other than driver/cleaner)
    • Indemnity granted to trailers
    • Legal Liability to Non-Fare Paying Passengers other than Statutory Liability except the Fatal Accidents Act, 1855

Private Car Insurance Claim Process

  • Register your claim immediately via either of the below mentioned options:
    • Call us at our Toll Free Number 1800 266 5844 (between 8:00am to 8:00pm, 7 days of the week)
    • Visit our nearest branch office or mail us on
    • Send a written intimation letter to our registered office or the applicable branch office by post or courier.
  • Company representative will get in touch with you for further details as required.
  • Company organise a survey inside city limits within in 24 hours and outside city limits within 48 hours.
  • Once the vehicle is moved to a garage, we’ll need the related documents at the garage for our surveyors to verify.

Private Car Insurance Exclusions

  • Consequential loss
  • Claims arising out of any contractual liability
  • Loss or damage covered under manufacturer ’s warranty or part of manufacturer ’s recall
  • Loss or damage to the engine and/or gear box due to delay in intimation to the insurer or delay in retrieval of insured vehicle from water clogged area.
  • Depreciation; wear and tear
  • Mechanical and Electrical breakdown; failure or breakage
  • When the vehicle is used outside the geographical area
  • When used contrary to limitations as to use
  • When driven by a person other than the driver stated in the driver’s clause
  • War perils, nuclear perils and drunken driving