Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • L&T Car Insurance

     4.0 / 5.0   by 29 users
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    Policy Coverage

    Customer Service

    Claim Experience

    Cashless Garages

    L&T General Insurance Company Limited (L&T Insurance) is a wholly owned subsidiary of Larsen & Toubro Limited. L&T General Insurance offers products like Motor Insurance, Health Insurance, corporate Insurance and Home Insurance.


    Key Benefits of L&T Car Insurance

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    So you’re stranded almost nowhere

    Cashless Claim Networks

    Cashless claim service over 1000+ authorized network of garages across India

    Don’t we love a good discount?

    Discounts

    For every claim free year, the insured is rewarded with a discount on the renewal premium. It usually ranges from 10% to 50% and can save substantial amount of money.

    Help is always at hand

    Accidental Cover /Customer Support

    Coverage against financial liability caused by injury/death of a third party or damage to the property


    Add-on Covers for L&T Car Insurance

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    Depreciation cover for L&T Car Insurance

    Depreciation Cover

    50% Depreciation is Deducted on all Rubber, Nylon, Plastic Parts, Batteries and Airbags, 30% Depreciation is Deducted for 'Fibre Glass' components.

    Invoice price cover for L&T Car Insurance

    Third Party Cover

    The policy would also cover your legal liability arising out of an Injury / Death of a third party and Property Damage of a third party incase of an accident involving your vehicle.

    Personal Accident cover for passengers

    Personal Accident Cover

    A comprehensive coverage includes damage or theft of vehicle personal accident cover.

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Inclusion & Exclusion in L&T Car Insurance

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    No capers without the required papers!

    Inclusion

    Whilst the vehicle is being conveyed by road, rail, inland waterways, air or lift

    Drink OR drive. There’s only one choice

    Exclusion

    Loss or damage to vehicle when driven by person without valid driving license, oil leakage etc.

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    L & T Car Insurance Policy Highlights Updated on 21 Oct 2017

    Features Specifications
    Third Party Cover Upto 7.5 L
    Cashless Network Garages 1000
    Incurred Claim Ratio* 75.84
    Net Earned Premium* 22346

    *For Year 2015-2016

    Overview

    L&T General Insurance

    L&T General Insurance Company Limited is a fully owned subsidiary of Larsen & Toubro Limited, a company that is a common household name in India and was selected amongst the world’s Top-50 ‘Most Reputable Companies’ in June 2009 by the Forbes-Reputation Institute. L&T General Insurance is a world class company that utilises the very best technological and human resources to drive real value to it’s customers.

    Larsen & Toubro Ltd, a $12.8 billion company ventured into the financial services space after mastering the engineering, technology and construction spheres. The company’s vision is to create an experience for their customers that is unique in terms of character, calibre and capability, driving their vast experience and all-round expertise to emerge as the premier general insurance concern in India.

    Private Car Package Policy from L&T General Insurance

    Private Motor Insurance from L&T protects you from incurring any financial loss in the event of your vehicle meeting with an unfortunate accident or theft. The process is simple- you pay the regular premiums as per the sum insured, and L&T Car Insurance will cover your losses in a varied range of scenarios including personal accidents, natural and man-made calamities and third-party liabilities. Motor insurance from L&T acts as a ‘property coverage’ in the event of damage or loss of the car, and as ‘liability coverage’ in case of injury or damage of property belonging to a third party.

    Key Highlights & Features of L&T Private Car Package

    • Policy is issued instantly and with limited expenditure of time, effort and documentation.
    • Robust cashless claim settlement at L&T Insurance certified chain of garages across India.
    • Claim assistance available all days of the week (between 7am and 11pm) through a professional team of customer support specialists.
    • Survey will be conducted within 4 hours from the point of claim initiation, if the vehicle has been towed to a workshop.
    • If no claims are initiated through a tenure, then you are eligible for ‘No Claim Bonus’ that will be offered on renewal of your policy.
    • Free and timely renewal reminders.

    Sum Insured per the L&T Private Car Package

    The amount that is subject to coverage depends on the IDV (Insured Declared Value) of your car and the overall coverage that is opted for by you. In addition to this, the policy protects you from legal liability claims raised by a third party who has been injured, or whose personal property has been damaged in an accident that was caused by or involved your vehicle. An amount to the tune of Rs.750,000 will be allocated to cover for the aforementioned property damage, while the coverage amount for any personal injury caused is an unlimited sum of money.

    Scenarios Covered as per the L&T Private Car Package

    Natural Mishaps Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
    Man-made Burglary, theft, riot, strike, malicious act, accident by external means, any damage in transit by road, rail, inland waterway, lift, elevator or air, etc.
    Third Party Legal Liability The policy also provides for scenarios wherein your vehicle might have been the cause of/ been part of an accident that resulted in the injury, disability or death of an individual (not directly related to you) or caused damages to a third party property.
    Personal Accident Cover for the Owner This covers accidental death or permanent total disability as endured by the owner when he/she is driving. This personal accident cover can also be extended to unnamed passengers who might have been part of the accident.
    Additional Covers Herein, additional protection can be purchased to account for the following scenarios-
    • Loss or damage to the various car accessories, including electrical/non- electrical accessories including fog lights, stereo system, mats and seat cover etc. Implementation of bi-fuel injection systems, such as for CNG, can also be covered.
    • Extend the coverage in terms of geographical area beyond the Indian borders.
    • Personal accident cover for the driver and passengers involved in an accident.

    Exclusions- Incidents that aren’t covered by the Policy

    • General and natural ageing that results in wear and tear.
    • Damage caused to vehicle when the driver wasn’t carrying a driver’s license, and/or driving under the influence of alcohol or other mood/mind stimulating substances.
    • Mechanical or electrical breakdown.
    • Loss sustained financially as a consequence of the accident.
    • If the vehicle was operated outside India at the time of the accident (this doesn’t apply if additional coverage in this regard is purchased).
    • If the vehicle is utilised under an agreement that hasn’t been intimated to L&T Insurance.

    In Summation, L&T Private Car Package is just what the doctor ordered if you are looking for a simple, scalable, robust and highly responsive private motor insurance to protect your cherished set of wheels. The company’s rich history and adherence to quality and performance has certainly brushed off to it’s Insurance wing, as can be gauged from the phenomenal response it’s been receiving in India. Look no further, enrol TODAY!

    FAQ- L&T Car Insurance

    1. What is the range of coverage applicable to me?

      As per the L&T Private Car Insurance Package Policy, property damage upto Rs 750,000 is covered. However, in case of personal injury to a third party, the coverage amount is unlimited.

    2. What conditions or threats to my car are taken care of with L&T Car Insurance Policy?

      No Claim bonus of 20% to 50 % depending on the number of claim free years.

      For the truly confident drivers, option to enrol for higher voluntary excess. Herein, you agree to pay part of the claim yourself, thereby qualifying for a discount of upto Rs 2500/renewal.

      • A discount of upto Rs. 500 on your policy for installing an anti-theft device.
      • Membership of any automobile association in India entitles you for a discount.
      • Accidents caused by external factors.
      • Burglary, fire, explosion, lightning, earthquakes, flood, storms, landslides or other freak natural occurrences.
      • Man-made situations including terrorist attacks, riots, strikes or other such malicious acts.

      Damage incurred while the vehicle is being transported by road, rail, air, inland water ways or lift.

    3. Is it compulsory to have a car insurance policy?

      Yes, as per the Motor Vehicles Act, 1988, car insurance is a must in India .

    4. What additional covers can I avail with my L&T Private Car Package Policy?

      Additional covers from L&T Car Insurance provides for the following contingencies-

      • Damage to non-electrical accessories like alloy wheels, seat covers etc.
      • Option to purchase additional personal accident cover for yourself and other passengers (amounting to Rs.2,00,000 per head).
      • Coverage for car accessories, included or fitted in the vehicle.
      • Additional coverage for your driver, to pay for any injuries or damages incurred by him/her while driving your vehicle.
    5. Can I cancel my L&T Private Car Package Policy?

      Yes, you can cancel the policy as per your wish at any time before the natural expiry of the policy. You will however have to submit the proof of insurance to cancel the same.

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

    L&T Car Insurance Reviews

  • Page 1 of 2 1 2
    • 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
    • L and T Car Insurance
      "Low premium.."
      0.5 4.0/5 "Great!"
      L&T General Insurance processed the car insurance for low premium and I have chosen. Executives told me that the settlement would be done in 7 days of time. Customer service is satisfactory. I don�¢??t have bumper to bumper as that is comprehensive plan so for some damages I have to pay from my hands. Coverage is not of hundred percentage.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 29, 2015
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