Insurance is like a spare tyre. You may not require it, but not having one is not an option.

L&T Auto Insurance

 4.0 / 5.0   by 30 users
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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

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 insure your vehicle 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

L&T Auto Insurance Reviews

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  • L and T Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    The dealer gave me L & T general insurance policy for my car the premium amount is nominal for the tenure of one year, I have old Tokyo Innova, hence I took comprehensive and third party cover, they do have road side assistance and 24 hours services on time.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • L and T Car Insurance
    " Very good plan benefits"
    0.5 4.0/5 "Great!"
    I hold Hyundai i10 4 wheeler and I have insured it with L&T GENERAL INSURANCE . It has very good benefits, so that was the reason, I have choose L& T GENERAL INSURANCE. I do get the reminders to renew the policy before the expiry date, the reminders starts a month prior to the expiry date. I never had any claim experience so far, the cashless garages options are available with this policy. I paid Rs.5000 to renew the policy and I am happy holding this car insurance policy with L&T.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 15, 2017
  • L and T Car Insurance
    "Falls below my expectations"
    0.5 2.0/5 "Expected more"
    L&T car insurance overall its average. I will not recommend this LNT to others. Basically I was in hurry at the time of purchasing the car. I was advised by the Branch to opt for this insurance. I got the claim the customer service was not good actually I did not like the service. I do have claim insurance it was around 6000 to 7000 it was not good
    Was this review helpful? 0
    , jaipur
    Reviewed on Feb 09, 2017
  • L and T Car Insurance
    "IRRESPONSIBLE AND INCOMPETENT"
    0.5 0.5/5 "Unacceptable"
    Please save yourself a lot of time and energy and go for another insurance. They will NEVER give you your money and you will be following up with them till the end of time. I have been promised action every week, for more than a month now. But nothing has come off their useless customer care and cover fox has completely washed their hands off my case. So much for trusting these people with my hard earned money.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 02, 2017
  • L and T Car Insurance
    "Very Good Car Insurance"
    0.5 4.5/5 "Excellent!"
    When I taken my car loan from Capital First, They gave car insurance from L & T insurance. I paid Rs. 12,000 its for a year, I could claim upto 100% of reimbursement for any damages without any cash, But however I dont have any claim experience..
    Was this review helpful? 0
    , pune
    Reviewed on Nov 15, 2016
  • L and T Car Insurance
    "Not bad"
    0.5 3.0/5 "Satisfactory"
    Recently I had taken policy for my car from L&T. It was good for my car, I had paid Rs.6905 for 1 Year policy. Even I could get the policy coverage of 1.75 Lakhs if there will be any damage in future. It was good policy coverage however I dont have any claim experience.
    Was this review helpful? 0
    , karimnagar
    Reviewed on Nov 02, 2016
  • L and T Car Insurance
    "Very much reliable"
    0.5 5.0/5 "Blown Away!"
    LNT Car insurance is pretty good it is very much reliable. The reason being I had got all the required information. More than all, I was able to get the claim amount within 3 days of time. LNT was able to provide the maximum portion of the insurance which is 75%. I had just submitted my RC, driving license and insurance copy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Oct 11, 2016
  • L and T Car Insurance
    "Very bad insurance. Will never buy L&T again in my life"
    0.5 0.5/5 "Unacceptable"
    I have L&T Car insurance and recently my car met with an accident on Pune highway. I have submitted all the photos of the accident but the company has used all the means to harass me and has gone to extent of threatening and abusing me to deny the claim. The Manager was very rude and the surveyor was arrogant. They made no effort to find out how the accident would have happened and work jointly to find out the fact. All they did was kept declining the claim. Will never ever in my life again for for L&T insurance again. The policy of the company is very clear. Try all means to decline the policy holder of his rightful claim and go to any extent to deny the claim.
    Was this review helpful? 1
    , pune
    Reviewed on Sep 09, 2016
  • L and T Car Insurance
    "Very good"
    0.5 4.0/5 "Great!"
    I have renewed my car insurance policy with L&T general insurance company and the premium is around 5000 Rupees, also it covers only third party and vehicle. It will not covers riders. For initial three years of time, they have provided bumper to bumper coverage and now its not applicable. Renewal process is very simple with them.
    Was this review helpful? 1
    , bangalore
    Reviewed on Aug 27, 2016
  • L and T Car Insurance
    "Haven't received the insurance paper yet "
    0.5 2.0/5 "Expected more"
    I loved all of their schemes hence I bought it. But it's been 1.5 months still I did not received the original insurance paper which creates problem when a traffic police catches me, they don't want the xerox copy. Last time Reliance delivered the paper within a week. I have contacted them multiple times, still I haven't received the paper. Need to improve this for sure.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 17, 2016
  • L and T Car Insurance
    "CHEAP & BEST CAR INSURANCE"
    0.5 5.0/5 "Blown Away!"
    hi all... I recently purchased a Car Hyundai Creta SX(O) I bought insurance from L&T General Insurance They have provided Zero Depreciation plan in lowest price in the market buldled with benefits like 24x7 Road side assistance..plus 12 more benefits... Superlike... impressive...
    Was this review helpful? 1
    , ahmedabad
    Reviewed on May 22, 2016
  • L and T Car Insurance
    "Anything but L&T car insurance"
    0.5 0.5/5 "Unacceptable"
    L&T Car insurance is terrible and has the worst employees. The employees are given special training in lying to customers and are used to getting paid without working. For 18days since the claim was made, they were sitting on our file. The surveyor hired by L&T are rude and it is their policy that they will not get either a second opinion or another surveyor and customer is stuck with them for the entire duration. Details can be found at - http://anythingbutlandt.blogspot.in/
    Was this review helpful? 0
    , new delhi
    Reviewed on May 18, 2016
  • L and T Car Insurance
    "Satisfied"
    0.5 4.0/5 "Great!"
    I have the four wheeler insurance policy with the L&T general insurance company, also they have provided me with the lowest premium. They are giving 24*7 service and the road side assistance , also they are giving 12 to 15 extra benefits.
    Was this review helpful? 0
    , new delhi
    Reviewed on Mar 16, 2016
  • L and T Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I insured my car with the L&T general insurance company and the policy does not cover the third party. It covers only metallic parts of the car and I been with them from the last one year of time. Policy coverages values are good with them.
    Was this review helpful? 1
    , guwahati
    Reviewed on Mar 07, 2016
  • L and T Car Insurance
    "Best "
    0.5 4.0/5 "Great!"
    I have the car which got insured with the L&T general insurance and I have paid around 6700 Rupees per annum. Total depreciation value of the vehicle is around 10% and the total insured value is around 2.1 lakh Rupees.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Feb 23, 2016
  • L and T Car Insurance
    "Fabulous"
    0.5 5.0/5 "Blown Away!"
    I insured my car with the L&T general insurance company and I been with them from the last one year of time. I have paid around 15000 Rupees as the premium and the insured value is around 5.8 lakh Rupees. Third party coverage is applicable over there. I felt happy with L&T and I dint faced any claims.
    Was this review helpful? 1
    , chandigarh
    Reviewed on Jan 11, 2016
  • L and T Car Insurance
    "Convenient"
    0.5 4.0/5 "Great!"
    I am having the four wheeler which got insured with the L&T general insurance. Total insured value would be around 3.4 lakh Rupees. Services are fine with them and I got this policy through online, so it dint made me any hassle. For vehicle inspection it took around half a day.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 08, 2016
  • L and T Car Insurance
    "satisfactory.."
    0.5 5.0/5 "Blown Away!"
    In one year of experience with L&T general insurance I made a claim once where it was fine. The settlement was done in overall two to three days. The total amount that I have to pay is 15 thousand and on that they reimbursed 11 thousand. I paid 4thousand. Happy to have car insurance.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 22, 2015
  • L and T Car Insurance
    "Nice "
    0.5 4.0/5 "Great!"
    The service provided by L&T based on the car Insurance was very good.I have taken this Insurance through the online site where I got best option regarding the Insurance.They have provided a coverage around 177.They have few parts as the exception provided in the coverage.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 21, 2015
  • L and T Car Insurance
    "Satisfied..."
    0.5 4.5/5 "Excellent!"
    I have tried through online and the third party agents did everything for me to get this car insurance. It is bumper to bumper insurance and everything will be covered. I have utilized that and never faced any hiccups. During the claim it was smooth but L&T General Insurance have slabs in covering the parts.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Oct 22, 2015
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