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 The Policy covers

All accidents including earthquake, flood, riot, strike and malicious acts.

        • Section I: It covers the legal liability of insured towards third party personal injury and property damage arising out of an accident involving the insured vehicle.
        • Section II: Undertakes to reimburse the expenses incurred :

- Towards repair/replacement of parts of the vehicle, or

- To pay the market value of the vehicle in case of a total loss, provided that the originating cause of such damage is an accident, including thief

  The Policy does not cover

The liabilities can emanate from numerous sources

        • Shareholders.
        • Customers and clients.
        • Suppliers.
        • Competitors.
        • Employees.
        • Members of public.
        • Government income tax, excise, etc.
        • Regulatory Bodies
        • Any accidents outside the geographical area.
        • Consequential loss, normal wear and tear.
        • Driving without valid licence for that class of vehicle. Driving under the influence of liquor / drugs.
        • Vehicle not being used as per the regulations of registration
 
 You can opt for the following extensions
  • Loss of accessories
  • Legal liability to the paid driver, cleaner or any workman
  • Personal accident to the occupants
  • Unlimited Legal liability towards property damage of Third Party
 
You should know
  • For claims free experience, discount available on subsequent renewal. Likewise loading applicable for claims made.
  • Discount available if excess is opted for.
  • Discount available for membership with approved Automobile Association.
  • Depreciation, for the parts needing replacement in the accident is define
 
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