Inclusions

Exclusions

Natural Disasters:
Floods, earthquakes, cyclones, etc.

Drink and Drive:
Damages caused to the car if you or anyone else was caught driving under the influence of alcohol at the time of accident.

Man-made Disasters:
Fire, terrorism, riot, strike, and accidents etc.

Staged / planned Accidents:
Intentional accidental loss is not covered. If it is proven that the accident was entirely staged, the claim would be rejected.

Personal Accident Cover for owner-driver:
Coverage of Rs. 15 lakhs for the owner-driver of the car and optional personal accident covers for passengers.

Illegal Activity:
Driving on the wrong side of the road or without a valid license, or if the car’s driven by an underage person.

Third-Party liability:
Compensates for injury or damages to a person or property caused by you to another person in a car accident.

Commercial Activity:
Driving your private vehicle for commercial purpose and vice versa

Other reasons:
An expired policy, consequential damages, electrical and mechanical failure, regular wear and tear, and driving outside geographical limits are other reasons for claim rejection.