L&T Auto Insurance

L&T General Insurance Company Limited (also known as L&T Insurance) is one of the wholly owned subsidiaries of Larsen & Toubro Limited, one of the most reputed companies in the world. The insurance wing of L&T Limited offers services and solutions to individuals, corporations, SMEs and agricultural insurance solutions to people in rural areas. Credibility, experience and experience are some of the characteristics of L&T Insurance that has helped the company to become one of the premier insurance providers in the country.

L&T Auto Insurance helps people to avoid financial losses in unfortunate situations when their vehicles are stolen or damaged in an accident. If you with L&T, you will be protected against losses in many situations, which include personal accidents, 3rd party liabilities, and natural and man-made calamities. You can easily apply for L&T Auto Insurance online.

Features and Benefits of the L&T Auto Insurance Policy

  • Get access to total disability and accidental death coverage of Rs 200,000 and property damage coverage of up to Rs 750,000.
  • Get access to a hassle-free application and approval process when you apply for a L&T Vehicle Insurance Policy.
  • Enjoy cashless claim settlements at various garages across the country that are certified by the company.
  • Get access to claim assistance service Monday to Sunday, between 7 am – 11 pm.
  • Enjoy ‘No Claim Bonus’ when you do not initiate any claims during the tenure of an auto insurance policy.
  • Get protection against all liability claims made by any 3rd party involved in the accident.
  • Enjoy the flexibility of applying for both 4-wheeler and 2-wheeler L&T Auto Insurance Policy online.

Scenarios covered by the L&T Auto Insurance Policy

The L&T Vehicle Insurance Policy covers the following:

  • Accidents caused by external forces
  • Damages caused by Explosion, Fire, Lightning and Self-Ignition
  • Damages caused due to Riots, Malicious Acts, Strikes and Terrorist Attacks
  • Damages caused by natural calamities like Floods, Storms, Earthquakes and Landslides
  • Damages caused during the transportation of the vehicle by rail, road, air, lift and inland waterways.
  • Theft or burglary

Claim Process Do’s & Don’ts Of L&T Auto Insurance

  • Do not leave your vehicle unlocked or unattended once it had met with an accident.
  • Make a note of the contact details of witnesses, and details of the 3rd party individuals and vehicles involved in the accident.
  • Get the vehicle towed if needed and take it to the nearest, preferably a garage approved by L&T Insurance for cashless claims.
  • Call the toll-free number of L&T Insurance within 24 hours and report the accident and keep your policy number and vehicular details handy when making the call.
  • Start the repairs only after the vehicle has been surveyed by a representative of the company.
  • In case of reimbursements, pay all the bills immediately and keep a copy of the receipts to make your claim.
  • Do not indulge in any negotiations with the 3rd parties involved in the accident.
  • Go to the nearest police station for filing an FIR, if the accident results in 3rd party property damage, theft, injury or death.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

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