Motor Insurance

Coverage Add-On Cover Exclusion


  • Two Wheeler

  • Four Wheeler

  • Goods Carrying Vehicles

  • Passenger Carrying Vehicles

  • Miscellaneous Class Vehicles


  1. Own damage to the vehicle caused due to:
    • Accident by external means
    • Burglary, housebreaking or theft
    • Fire, explosion, self-ignition, lighting
    • Terrorism, riots, strike or malicious act
    • Transit by road, rail, inland waterway, lift
    • Earthquake, flood, storm, landslide, rockslide
  2. Personal Accident Cover
    • It covers costs incurred during medical treatment of the driver. However, you can choose to cover the occupants by paying additional premium
  3. Third Party Legal Liability
    • Accidental death or injury to any third party
    • Any damage to property owned by third party
  4. Choose a variety of optional covers on payment of additional premium, as listed below:
    • Electrical / Non Electrical items can be insured separately
    • Personal Accident cover for owner driver
    • Personal Accident cover for Named / Unnamed Passengers
    • Personal Accident cover for paid driver / employee
    • Legal liability for paid driver in connection with the operation of the insured vehicle
    • Legal liability to Non fare paying passengers
    • Cover for lamps, tyres / tubes, mudguards, bonnet /side parts, bumpers, headlights and paintwork of damaged portion only
    • Use of commercial type vehicles for both commercial and purposes

Add-On Cover

  • Depreciation reimbursement
  • Return to invoice
  • Engine Protection
  • Consumable Expenses
  • Road Side Assistance
  • No Claim Bonus Protection cover
  • Key Replacement Cover
  • Loss of personal belongings
  • Daily allowance
  • Emergency transport & hotel expenses
  • Repair of Glass, Fibre, Plastic and Rubber Parts
  • Tyre Secure


This policy does not cover loss or damage due to:

  • Depreciation
  • 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 tyre 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
  • Damage caused by overloading or strain of the Insured Vehicle
  • Damage to any bridge and / or via duct and / or to any road and/or anything beneath by vibration or by the weight of the insured vehicle and / or load carried by the insured vehicle.