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

Car Insurance - Inclusions and Exclusions

 4.5 / 5.0   by 2294 users
Used this product? Write a review >>

Policy Coverage

Customer Service

Claim Experience

Responsiveness

Cashless Garages

As the owner of a new car, you would have scoured all available options to identify insurance policies that are most suitable for you. When you are buying a policy and paying the premium, you need to be aware of what is covered in the insurance and what is not.

Inclusions in Car Insurance Policy

Car insurance policies vary between insurers. However, most policies cover the following,

  • Comprehensive cover for your car

    You will need to prioritise your requirements and compare insurance policies to identify the one that is appropriate for your needs.

  • Damage to your own car
    • If you are involved in an accident, and your car has borne some damages, you can notify the insurer at the earliest possible time to claim insurance. Most policies provide you a time frame of 48 hours for intimating the insurance company of the accident.
    • You can get your car towed to a Network Garage (if included in your insurance cover) or an ordinary garage for the repair of the vehicle.
    • Following an inspection of the vehicle and evaluation of the estimated charges, the insurer approves the claim and releases funds for repair work.
  • Natural calamities

    A comprehensive insurance cover for your car can protect it in the event of unpredictable natural calamities like floods, landslides and earthquakes.

  • Personal accident cover

    An effective car insurance policy will provide financial assistance to your/your family in case you are injured in an accident. This helps in reducing your financial burden at a time when you need it most.

  • Man-made disasters

    Your car insurance policy can protect your vehicle from various man-made hazards like strikes, terrorism, riots and fire.

  • Theft of your car

    In case you car has been stolen, you can claim for an amount that equates to the insured declared value specified in your car insurance policy.

  • Third-party liability insurance
  • If a third-party has incurred damages through your car in an accident, a comprehensive car insurance policy covers the cost of claims.

  • Injury to a person

    If you have accidently run over a person and injured him, your car insurance policy can compensate that person/his family for their losses.

  • Damage to property

    In case of an accident where you have caused damage to a person’s property, your insurer can pay that person for the damages incurred by him.

  • In addition to these inclusions, you can enhance your car insurance policy by selecting add-on covers at a higher premium.

Exclusions in Car Insurance Policy

A car insurance exclusion involves risks or situations that are not covered in your car insurance policy. These are always clearly mentioned in the policy documentation. It is important to know your policy exclusions so that you are prepared when an incident occurs.

Permanent Exclusions

Some of the situations that are permanently not covered by a standard car insurance are,

  • Damages incurred while using the car for illegal purposes.
  • Damages caused to the car due to its usage beyond limits.
  • Loss or damage as a result of war, terror attacks, hostilities or nuclear accidents.
  • Damages caused to the car while it was driven by a person under the influence of drugs or alcohol.
  • Accidents found to be fraudulent by the insurance company.
  • Damages caused to the car in an accident while the person driving could not produce a valid license.
  • Damages incurred by the car in an accident with an underage driver, or one who drove on the wrong side of the road.
  • Cost of car coolants, petrol, nuts, bolts, etc.
  • Willful damages caused to the vehicle by the owner.
  • Damages caused to the car during a time when the policy had expired and was not renewed. Car insurance policies are annual contracts that should ideally be renewed on time, without the occurrence of a gap between the expiry date and the renewal date.
  • Damages to the car and its engine due to oil leakage.
  • Consequential losses due to certain actions from the car owner or a third-party, and not due to an uncertain event. For instance, the engine damage of a car following hydrostatic loss during the monsoons is due to the negligence of the car-owner, as he had cranked it up in a flooded area. This will not be covered by the insurer.
  • Contractual liabilities that the policyholder has towards the car. For example, if the car-owner had pledged his car to another person for a certain duration, and the car is damaged while it was used by the person to whom it was pledged, the damages incurred by the car are not covered by the policy. However, if the pledged car was driven by the car-owner himself, the damages to the car will be covered by the insurance, as per the comprehensive coverage of the policy.

The scenarios listed above are applicable to cars used for personal purposes. For commercially used cars, separate insurance policies can be purchased from insurers. Any manipulation in this process will also result in the rejection of an insurance claim. Further, rejected claims that have not been taken up in court within 12 months of rejection will not be recoverable from the insurance provider later on.

Exclusions that can be covered via add-ons

Certain risks that are not included under the coverage of a standard insurance plan can be added to the policy on payment of extra premium. These type of exclusions are as follows.

  • Mechanical expenses due to wear and tear of the car and its parts is not usually covered in a standard plan. However, adding a zero depreciation cover ensures that the depreciation of the value of damaged parts will not happen before reimbursement. In effect, you will receive full reimbursement for the costs incurred for replacing parts.
  • For own damages, the maximum amount that your insurer pays you is the IDV of your car as per the policy, subject to deductibles. Adding an Invoice Cover to your policy enables you to claim for reimbursement of the full amount that was paid for the car. However, this cover is available only during the initial few years following the purchase of the car.
  • Usually, a car’s engine is not covered for malfunctions that are non-accidental. If you add an engine protector cover, you will be insured against non-accidental electrical and mechanical breakdowns.
  • A 24x7 Roadside Assistance cover protects you in emergency breakdown situations that require battery jump-start, emergency fuel, replacement to a punctured tyre, etc.
  • Passengers in a car or a hired driver are not included under a standard personal insurance. However, you can add-on an Extended Accident Cover for the passengers and the paid driver.
  • A standard car insurance policy is valid only within the geography of India, but it can be extended to include neighbouring countries like Bangladesh, Sri Lanka, Bhutan, Pakistan, Nepal and the Maldives for an additional premium of Rs. 500 for each vehicle. However, these geographical extensions exclude protection for damage to the vehicle or injury to its occupants/third-party.

In summary, it is advisable to read your policy documents carefully and understand the conditions included therein. This will help you immensely at the time of a claim, as it avoids confusion and gives you better clarity of the overall process.

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

Car Insurance Reviews

Page 1 of 50 1 2 3 4 5
  • Tata AIG Car Insurance
    "Satisfied policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG is the best company to take the car insurance. Since long time i have taken this insurance. The customer care people used to call me to renew the policy and they used to policy renewal letter. I will do payment through online. Several times i have claimed the policy and i have received very good response.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jan 18, 2019
  • Universal Sompo Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and it has been a good insurance policy. I had been paying the premium online and the payment method has been convenient. There has been a claim made once and the claiming method has been simple.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Jan 18, 2019
  • New India Car Insurance
    "Comprehensive benefit policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from New India. I don't speak with their customer care since i don't require it. I had a claim experience which is a easy process without any tension. As per their policy, the maximum claim amount settled. Since they are providing good services i have opted this policy. They have given me a road side assistance and bumper to bumper facility.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 18, 2019
  • Bajaj Allianz Car Insurance
    "Good to Go with Bajaj"
    0.5 4.0/5 "Great!"
    The conditions and the insured which they are providing is good, I have insured Ford Car with Bajaj Allianz, the premium amount is reasonable but they can reduce it. Its 1.5 year old year but still the insurer providing 24 hours service, cash less garages and they have tie up with many centers, the response is great.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • ICICI Lombard Car Insurance
    "Premium should be standard as per market"
    0.5 4.0/5 "Great!"
    I never used the policy if something happen I claim it, I didn't interact with the customer care but I get the reminder message for car renewal. I have insured my maruthi Suzuki riz with ICICI Lombard, The premium is higher but still they are good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 14, 2019
  • HDFC Ergo Car Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    Even my car was insured with HDFC Ergo. It is a second-end car and have chosen the third party insurance. I have not done any claim so far. The premium is reasonable. It offers bumper to bumper facility and road side assistance. The policy period is 2 years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 1
    , tirupur
    Reviewed on Jan 10, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • National Insurance Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this Insurance policy for my Maruti Car and i had been paying the premium on an annual basis. The premium amount has not been too high and there has been cash less garages available with this insurance policy. Their customer support has also been helpful at times.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Car Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    My car was insured with ICICI Lombard. Last year i have purchased this insurance policy. My wife has referred me about this policy. I pay the premium amount of Rs. 13500. They have given me a convenient IDV value. I had no claim experience so far.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 3.0/5 "Satisfactory"
    I'm not satisfied with the service provided by new India. I have bought the car insurance policy. They closed their branch on every weekends hence its difficult to renew the policy. I have been paying the premium amount of Rs. 14000 which is a competitive price. They have given the IDV value of Rs. 1.50 lakhs.
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Average Car Insurance"
    0.5 3.0/5 "Satisfactory"
    My car insured with the New India Insurance company. I have been renewing the policy with the same company for 3 years. I have paid the premium amount of Rs. 7000 and they have offered me a satisfied coverage value. The documentation process was fine
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • review Car Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    Last year I had car policy with Bharthi axa whenever I try to renew it ask my poliy no, whenever I mention the same, it shows the its incorrect. If I try to reach the customer care its not reachable. I done the claim, some minor damage back side of the car, they have processing fee 1500. Remaining all taken care by the insurer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Great Policy"
    0.5 4.0/5 "Great!"
    ICICI Lombard has a good brand value hence i have selected the car insurance policy with this card and the dealer has also recommended about this policy. I pay the premium amount of Rs. 9000 and this is a 100% coverage with bumper to bumper facility. I'm not sure about the IDV value. Its easy to renew the policy.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    Previously my car was insured was with ICICI Lombard and it was offered by the showroom. I got a call from the representative for the policy renewal as reminder. I got the insurance paper. I have not done done a claim. It is a comprehensive with zero dep. The premium was high so changed my insurer.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 08, 2019
  • Future Generali Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from Future Generali through online portal. The premium was reasonable and also they have provide bumper to bumper facility. The policy period is one year. There is no interaction between the customer service. I just gave my car for the claim so no experience.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 08, 2019
  • Oriental Insurance Car Insurance
    "Good insurance company"
    0.5 2.0/5 "Expected more"
    Dealer has referred me about this oriental car insurance when i purchase the vehicle. They have rejected the claim since the copy of FIT is not available. They have given me a coverage value upto Rs. 6 lakhs. For the past 3 years i have been renewed the policy with the same company.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Iffco Tokio Car Insurance
    "Good Policy and you can try"
    0.5 4.0/5 "Great!"
    Two months before, i have taken my car insurance policy with Iffco Tokio. Its a PAN India agreement policy for my Maruti Car. I don't remember about the coverage value. This is a zero depreciation policy. I paid the premium amount of Rs. 6500. I have not seen any add on and cashless garage facility.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Its Excellent"
    0.5 4.0/5 "Great!"
    My brother is working with Reliance hence I took my two wheeler policy from this insurance company. I have hyundai accent car, they are providing cash less garages for the damage. I have zero depreciation bumper to bumper policy for the term of one year.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken with reliance. The dealer has provided me a policy with this policy. This is a 100% coverage value which covers the bumper to bumper facility, They have given me a IDV value of Rs. 11 lakhs. I pay the premium amount of RS. 33000.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 04, 2019
Common Loader Icon
Page 1 of 50 1 2 3 4 5

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.