Car Insurance is a vehicle policy to protect yourself from financial losses arising from unforeseen risks such as accidents, thefts or Third Party Liabilities. It is also known as auto or motor insurance. As per the Motor Vehicles Act, 1988, Motor third party Insurance is mandatory in India. You can avail Four Wheeler Insurance to obtain cover for you (insured party), your car (insured vehicle), and third parties (other vehicles and their property). You can renew or Buy Car Insurance for both new as well as pre-owned cars
You spend a good part of your savings to get a car. You make sure that you follow all the traffic rules, and drive safe, but accidents can still happen. Repairs cost can burn up a hole in your pocket. But, that is not the only thing that may happen – what would happen, if your car gets stolen? Can you afford another car to replace the loss? Or if the car is on EMI, can you pay to the financing Bank?
The best way to prepare yourself from such losses/ damages is through having a car insurance policy that provides cover to you, your car and the third party.
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Comprehensive car insurance policy provides protection against damages to your car (Own damage cover) and third party liability. Comprehensive insurance cover will not only take care of costs incurred from the loss or damage to your car due to accident or theft of vehicle but also damages due to malicious act, burglary, housebreaking, flood, earthquake, fire, explosion etc. A comprehensive insurance cover offers all above coverages under one umbrella and is ideally recommended for all cars.
Third-party liability is compulsory for all vehicle. If a third-party suffers injury or death or their car or property gets damaged in an accident caused by your car, your insurance provider will pay the compensation. Third-party car insurance only covers third-party liabilities and not any loss or damage that you may suffer.
While the best car insurance policy in India offers maximum protection and includes most losses and damages, there are certain risks and situations that are excluded from claim benefits. When you buy car insurance, it is important that you know about these inclusions and exclusions in detail so that there is no scope of ambiguity.
Any losses or damages that you may suffer due to an accident caused while driving are covered.
Car got stolen? Don’t worry, your ICICI Lombard General Insurance (Bharti AXA General Insurance*) Car Insurance policy will cover you against this loss.
Natural calamities like earthquakes, cyclones, floods etc., can literally destroy your car. Damages due to such disaster are covered.
Any loss occurred due to accidental fire, riots, strikes, etc., is covered under your car insurance policy.
If a third party is involved during the accident, you might have to cover their losses. Third-party liability cover protects you from any financial losses in such a scenario.
Car accidents leading to permanent disablement or an unfortunate death of the owner-driver is covered in case the insured has opted for it.
If you damage the car while you drink and drive, it will not be covered under the insurance. It would be wise to not drink and drive.
Damage to the car while driving without a valid license is not covered.
Using your private vehicle for commercial activities will not be covered under the policy.
The reasons which are not mentioned above like consequential damages, mechanical breakdown, contributory negligence, staged accidents, and driving outside geographical limits etc. will not be covered.
Car Insurance policy covers losses and damages to your car as well as third-party cover. However, if you want to provide additional protection to your car, then add-on covers are recommended. They are optional, and you can avail them by paying a little extra over the base premium. But, they are worth every penny. These add-on covers are also available on online car insurance policy.
With our online purchase facility a mobile or laptop with internet connection can buy you car insurance in a few clicks.
For a hassle-free purchase experience visit https://www.bharti-axagi.co.in/car-insurance, enter your details, select the type of car insurance you want and pay online. As soon as the payment is processed you get an e-copy of your policy.
You can rely on our online chat or call facility for a quick response.
Policy Name:
Smart Drive Private Car Insurance
UIN:
IRDAN139RP0032V01200809
IRDAI Registration N0.115
CIN-L67200MH2000PLC129408
ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025 | Email : customersupportba@icicilombard.com Toll Free Number : 1800-103-2292