Category: Car Insurance

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. 

This cover pays for the cost of hiring an alternative vehicle if the insured vehicle is stolen or while under accidental repairs.

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. 

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.