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What is Private Car Insurance

Private Car Insurance is specifically designed for personal cars and SUVs used for private purposes. It provides coverage for:

  • Accidental Damages: Protects against repair and replacement costs due to accidents.
  • Theft: Covers financial losses in case of vehicle theft.
  • Natural Disasters: Includes damages caused by events like floods, earthquakes, and storms.
  • Third-Party Liabilities: Protects against legal and financial responsibilities arising from injury or damage caused to others.

This insurance ensures financial security for vehicle owners, covering repair expenses, replacements, and legal obligations.

Types of Car Insurance

Third-Party Insurance / Liability Only

Covers damages to third parties.

Own Damage Insurance

Covers damages to your own vehicle.

Comprehensive Car Insurance

Combines third-party and own damage Insurance, offering extensive coverage.

Why You Need A Car Insurance ?

1

Financial Protection Against Physical Damage from Accidents.

2

Coverage For Third-party Liability Arising From Vehicle Incidents.

3

Provides Financial Protection Against Theft and Non-collision Damage (E.g., Vandalism, Weather-related Damage, Impacts with Stationary Objects).

What Covers Under Insurance

Depreciation Reimbursement

Provides Financial Protection Against Theft and Non-collision Damage (E.g., Vandalism, Weather-related Damage, Impacts with Stationary Objects).

Daily Allowance

Provides a fixed daily sum for alternative transport when the insured vehicle is under repair.

Return to Invoice (RTI)

Covers the gap between the insurance payout and the vehicle’s original purchase price or replacement cost in total loss scenarios.

No Claim Bonus Protection

Protects your No Claim Bonus even after a claim.

Repair of Glass, Fibre, Plastic & Rubber Parts

Ensures minor repairs don’t affect claims.

Ensures minor repairs don’t affect claims

Covers loss or damage to personal items in the vehicle.

Emergency Transport & Hotel Expenses

Covers accommodation and return transport costs after an accident.

Key Replacement

Reimburses the cost of replacing lost or stolen vehicle keys.

Courtesy / Hire Car

Provides a temporary vehicle for major repairs or total loss claims.

Engine Secure

Covers engine and gearbox loses due to water ingress or oil leakage.

Tyres Secure

Covers repair or replacement of tyres and tubes from picular damages which are not covered in regular policy.

Consumable Expenses

Reimburses the cost of consumables used in accidental repairs.

Roadside Assistance

Offers support for flat tyres, battery issues, emergency fuel delivery, and towing.