This cover is over and above ‘Invoice Cover’, where in case of a total loss of vehicle, the insurer will pay the cost of road tax for the new vehicle purchased.
This cover is required if drivers are hired or employed to drive your car. There is a legal liability for the owner a car to protect such paid drivers during their working hours under the workmen compensation act/fatal accidents act/common law.
This is not an automatic cover in comprehensive car insurance policies. It is an optional cover for which, you have to pay additional few hundred rupees if you are likely to use paid drivers.
Even if you prefer self driving, you will not know when you will be necessitated to hire a driver. So, it always makes sense to add this cover to your car insurance policy.
Baggage, personal belongings of the insured, if lost in an accident is covered under this add on.Continue reading “Baggage Cover”
This cover pays for the cost of hiring an alternative vehicle if the insured vehicle is stolen or while under accidental repairs.Continue reading “Daily Allowance”
This cover pays for the money spent on nuts and bolts, screen washers, engine oil, etc. in the event of accidental repair of your vehicle, which are normally not paid under a standard motor insurance policy.Continue reading “Cover for Consumables”
Engine Protect is an add-on cover which provides protection against damage to engine and its parts due to ingress of water, which is common during monsoon or due to hydrostatic lock, leakage of lubricating oil, damage to gear box, etc.Continue reading “Engine Protect Cover”
The add-on cover that keeps your NCB intact even if you had a claim on your motor insurance policy
NCB Protection is an additional cover that protects the No Claim Bonus earned until previous year, even if there is a claim in this year’s policy. No Claim bonus (NCB) is a discount applicable on renewal of motor comprehensive insurance for every claim free policy year.Continue reading “NCB Protection”
If you feel responsible to your near and dear, you should consider passenger cover..
Passenger Cover is an additional benefit which provides personal accident insurance for unnamed passengers travelling in your car. The premium is calculated based on the seating capacity of the vehicle.Continue reading “Passenger Cover”
Invoice cover allows the Insurer to pay the invoice price of the vehicle due to an event of total loss or theft of your vehicle.Continue reading “Invoice Cover or Return to Invoice”
This add on is applicable if the vehicle keys get misplaced or stolen or lost. Insurers will compensate for the cost of replacement of key and lock.Continue reading “Key And Lock Replacement Cover”