Motor Insurance

1) Damages sustained by the insured vehicle due to terrorist acts, riots and strikes are covered

2) Losses to the insured vehicle due to fire or self-ignition are included in motor vehicle policy coverage

3) Damages sustained by the vehicle due to natural calamities like earthquakes, hurricanes, cyclones, landslides etc

4) Any damage caused to the insured vehicle due to burglary, or theft are also covered up to the IDV value of the vehicle

5) Claims can also be raised for in-transit damages sustained by the insured motor vehicle.

1. 1) If the driver is under the influence of drugs or abuse, the motor vehicle insurance policy won’t cover it
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3. 2) The car/ two wheeler/ commercial vehicle is used for illegal activities or a purpose otherwise stated in the policy
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5. 3) Not having a valid driving license when the motor vehicle has met with an accident can result in claim rejection.
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7. 4) Any loss or damage to the insured vehicle if it occurs outside the specified geographical location
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9. 5) Depreciation borne by the insured motor vehicle will also not be covered under a motor insurance policy