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Car Insurance Comparison

Car insurance comparison

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FAQs on Car Insurance Plans

What are the different types of car insurance?
There are two types of car insurance:
  • Liability only policy - This covers Third Party Liability for bodily injury and/ or death and property damage. Personal accident cover for owner-driver may also be included.
  • Comprehensive Package Policy – This covers third party liability, damage to own car and has various features as a package.
What is liability only policy?
Liability only policy covers third party liability (insurance) for bodily injury and/or death and property damage and personal accident cover for owner-driver. It is mandatory under provisions of the India Motor Vehicles Act 1988. It can further be combined with fire and theft covers: • Liability Only Policy with Fire Only Cover • Liability Only Policy and Theft • Liability Only Policy and Fire & Theft.
What does comprehensive package car insurance cover?
Comprehensive car insurance covers damage to own car along with third party liability. It allows safety cover against damage or loss to car against. • Fire, explosion, self ignition, or lightning • Natural disasters like floods, hurricanes and storms, earthquakes, Landslide etc • Burglary, housebreaking or theft • Riot, strike or terrorist activity • Accidents • Malicious act • Whilst in transit by road, rail, inland, waterway, lift, elevator or air. Comprehensive cover includes personal accidental benefit for the owner of the car; you can also take personal accident cover for unnamed passengers.
What are add-on covers?
Add on covers, as the name suggests, are the added benefits or additional insurance covers. One can buy these on payment of an extra premium to cover certain additional risks that might not be covered in the insurance policy otherwise. Some of the add-on covers being offered by various insurance companies are: • Depreciation cover • NCB protection cover • Personal belongings cover • Daily allowance cover • Loss of keys • Road assistance cover.
What is NCB (No Claim Bonus)?
No Claim Bonus is discount given to vehicle insurers on renewal when then is no claim in the preceeding year(s)
What are exclusions?
There are certain conditions and situations where the vehicle is not covered. The list may vary for different companies, general exclusions may be:
  • - Normal depreciation, wear and tear
  • - Mechanical or electrical breakdown failure or breakages
  • - Damage to tyres and tubes unless the vehicle is also damaged
  • - Car driven under the influence of intoxicating liquor or drugs at the time of loss
  • - Damage by person driving without a valid driving license
  • - Damage due to war or nuclear crises
  • - Use of vehicle other than it is meant for
  • - Use of vehicle beyond specified geographical area
  • - Consequential loss
  • - Compulsory deductibles

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