Private car insurance relates to private cars used for social and domestic purposes and / or business purposes. Comprehensive policies issued to individuals also include personal accident benefits for insured and spouse, medical expenses and loss of or damage to rugs, clothing personal effects.

All vehicles used for commercial purposes, lorries, taxis, vans, hire cars etc. are not insured under private car policies but under special contracts known as commercial vehicle policies.

The Company will indemnify the insured against loss of damage to the Motor Car and / or its accessories whilst thereon by :

  1. Accidental external means
  2. Fire external explosion, self – ignition or lightening or frost
  3. Burglary, house – breaking or theft
  4. Malicious act
  5. Riot, strike
  6. Flood, hail, wind, hurricane, cyclone, tornado, or typhoon
  7. Earthquake, volcanic eruption or other convulsion of nature and
  8. Whilst in transit by air, road rail inland waterway, lift or elevator

Liability to third parties:
The insured will be indemnified in the event of accident caused by or arising out of the use of the Motor Car against all sums including claimant’s cost and expenses which the insured shall become legally liable to pay in respect of:

  1. Death of or bodily injury to any person but except so far as is necessary to meet the requirements of Section 95 of the Motor Vehicles Act, 1939
  2. Damage to property other than property belonging to the insured or held in trust by or in the custody or control of the insured.

The company will pay all the costs and expenses incurred with its written consent.

Medical Expenses:
The company will pay to the insured the reasonable medical expenses not exceeding Rs. 350/- in respect of any one accident incurred in connection with any bodily injury by violent accident external and visible means sustained by the insured.