Add-Ons
Free Benefits
Spot Settlement
6 months Repair Warranty at select garages
Cashless Claims
Free Vehicle Pickup and Drop
Paid Add ons :
Please note that the below all Add-ons might not be available for all vehicles. It is based on the vehicles condition and Insurer.
Zero Depreciation : also known as Nil Depreciation or Bumper to Bumper, ensures no depreciation is deducted from the coverage amount during a claim. In the event of a claim, the insurance company will cover the entire cost of replacing damaged parts without factoring in depreciation.
Key & Lock Replacement : Covers the cost of replacing lost or stolen vehicle keys, including the cost of new locks if necessary.
NCB Protection : Go claim-free for years and enjoy discounts as big as 50% in premium. The 'No Claim Bonus' add-on guarantees discounts, calculated on the IDV of the vehicle even after a claim has been processed. Terms and conditions are applicable.
Consumables : Covers the cost of items like engine oil, gearbox oil, nuts and bolts, washers, grease, and brake oil after an accident.
Road Side Assistance : Provides immediate help for vehicle breakdowns, including towing, jump-starting batteries, changing flat tires, fuel delivery, and lockout assistance
Engine Protection & Gearbox Cover : Protects your vehicle’s engine from water ingress, lubricant leakage, and internal mechanical failures not covered by standard insurance
Loss of Personal Belongings
Invoice cover : It is a protective add-on that makes up for the gap in between the insured declared value and the on-road price of the vehicle. Reimbursements are available in cases of total loss.
Tyre Protection : Covers the cost of repairing or replacing damaged tyres due to punctures, cuts, bursts, or other accidental damage not typically covered by standard insurance
Personal Accident Cover : Personal Accident cover covers the owner in case of death or disability due to an accident.
Driver Cover: The add-on is an insurance for a paid-up driver. In circumstances of unfortunate death and permanent total disability, caused due to an accident, insurers are liable to pay all bills.
Passenger Cover
Voluntary Deductibles : You will pay a cheaper premium. If you take a claim, only then you will have to pay a minimum of Rs. 2500 otherwise you keep enjoying the discount benefit.
Electrical Accessories
Non-Electrical Accessories
Discount
No Claim Bonus discount range : 20% - 50%
Zero Discount if there was any claim in previous year and If NCB (No Claim Bonus) protection is not taken
Features
Inclusions:
- Third Party Bodily Injuries : All bodily Injuries caused to someone else by your car in an accident will be compensated for by your insurance provider.
- Third Party Permanent/Temporary Disability: If an accident caused by your car results in a disability of a third party, then the compensation for the same will be provided.
- Third Party Death: Compensation will be provided in case an accident caused by your car results in a demise of a third party.
- Third Party Property Damage: Damages caused to a third party’s property will be covered up to Rs. 7.5 Lakh.
- Road Accidents: Damages caused to your car in accidents or collisions will be covered.
- Natural Calamities: Damages sustained by your car in natural disasters such as earthquakes, floods, cyclones, etc will be covered.
- Man-made Disasters: Damages incurred by your car in man-made disasters like riots, strikes, terrorsism, vandalism, etc will be covered.
- Damage During Transit: Damages caused to your car during transit by road, rail, inland waterway, and lift will be covered.
- Fire/Explosion: Damages sustained by your car in fire and explosions will be covered.
- Theft of Your Car: Loss of your car due to theft or burglary is covered.
Exclusions :
- Drunk Driving: Claims for incidents when the insured was driving under the influence of alcohol are not admissible.
- Driving Without Valid Driver’s License: No coverage is offered if the insured was driving without a valid driver’s license.
- Driving Under the Influence of Drugs: Claims when the insured was driving under the influence of drugs are not covered.
- Damage in War/Nuclear Attack: No coverage is provided for damages sustained in a war or nuclear activity/attack.
- Damage Incurred Outside Covered Geographical Boundaries: No coverage is offered for damages incurred outside the coverage geographical limits.