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Benefits & coverages

What is car insurance?

Car insurance or vehicle insurance is all about protecting the vehicle against loss which are caused due to unavoidable situation. The insurance company will indemnify the insured against

  • 1. Loss or damage to the vehicle insured
    1. Fire, explosion self ignition or lightning,
    2. Burglary house breaking or theft
    3. Riots and strike
    4. Earthquake (fire and shoc b. Burglary house breaking or theft
    5. Riots and strike
    6. Earthquake (fire and shock damage)
    7. Flood typhoon hurricane storm tempest inundation cyclone hailstorm frost
    8. Accidental external means
    9. Malicious act
    10. Terrorist activity
    11. Damage or loss in transit by road, rail, and inland-waterway lift elevator or Air
    12. Landslide rock slide
  • 2. Liability to Third Parties insured vehicle, third parties (car and people). The premium of the insurance is dependent on certain parameters like, vehicle classification, age, zones etc. Car insurance gives confidence to drive fearlessly but at the same time should follow the traffic rules. In emergencies it acts like a boon to the insurer.

How to make Car Insurance claims?

With a new car comes a package of added expenses. Its maintenance and operating cost are part and parcel of these expenses. However, sometimes an unfortunate incident may occur that may damage your vehicle. The best way to deal with such unforeseen circumstances is by getting cheap car insurance offering a good cover. Check out the procedure for car insurance claims in India.

Claim related information

  • Call on the customer care toll free number of the insurance company or intimate us the same
  • Provide your policy number for reference and register the claim
  • Request for help with Towing / Ambulance services (If required), and claim formalities
  • If your vehicle can be driven, take it to the nearest dealer / garage.
  • Get a repair estimate, fill up the claim form and attach a copy of the registration Certificate and License of the person driving at the time of the accident
  • If the garage is within our network, you could avail of Cashless Claims facility. However, if the garage is outside the purview of our network.
  • you would have to get the claim reimbursed subsequently.
  • Pay for non accident related repairs, depreciation and a small deductible. company would settle the rest.

Documents required for Claims:-

  • Incase of an accident claim for Loss / Damage to the vehicle:
  • Duly filled and signed claim formRegistration
  • Certificate (RC)
  • Driving License of the person driving at the time of the accident
  • Policy Copy Original repair estimate, repair invoice and payment receipt for non-cashless claims
  • Original repair invoice for Cashless Claims In addition to the above documents, the following documents are applicable to Commercial Vehicles only:
  • Load Challan
  • Fitness Certificate
  • Route Permit Copy of FIR (First Information Report) lodged at the nearest police station
  • Spot Survey (Within few hours)

What is Health Insurance?

Health insurance protects you against the financial barriers which arise during medical urgency. In Medical insurance you pay a premium and in return the insurer commits to pay a predetermined sum of money to meet the claims. Health insurance is new in Indian context and is slowly catching up with the consumers. Consumers understand the objective of health insurance and it’s offering to cover the ever rising medical expenses.

Benefits of health insurance:

  • It helps securing a better future by paying a fraction as an expense today called the premium.
  • It definitely induces a sense of security to the insured.
  • It provides financial security to the family members.
  • It covers your hospitalization and medical bills.
  • It also covers disability and custodial bills.
  • You can avail tax benefits on the premium paid under section 80D of the Income Tax Act.
  • The best factor, you can also opt for health insurance policies even after the age of 60.

Claim related information for health insurance*

Please Carry your TPA card/s to the hospital for cashless settlement to the provider network hospitals only Whenever you register a claim, please provide the following information to the insurance company or TPA :

  • Your contact details
  • Name of the Insured
  • Policy number
  • Date and time of problem
  • Nature of problem
  • Location of problem

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