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The damages to the vehicle due to the following perils are usually covered under Own Damage (OD) section of the Motor Insurance policy:

Fire, Explosion, Self- Ignition, Lightning
Burglary/Housebreaking/Theft
Riot & Strike
Earthquake
Flood, storm, cyclone, hurricane, tempest, inundation, hailstorm, frost
Accidental external means
Malicious Act
While in Transit by Rail / Road, Inland waterways, Lift, Elevator or Air
Land slide / Rock slide

This cover provides financial protection for repair or replacement of the tyres. In case of any accidental damage, cuts or loss to the tyres.

In case of a Total Loss / Constructive Total Loss or Theft it covers the gap between the Insured Declared Value and the Invoice Value for purchasing a new vehicle of same make & model along with the registration and other applicable taxes.

Components that are used in a vehicle such as nuts and bolts, screen washers, engine oil, etc. are collectively referred to as consumables. The insurance company does not bear the cost of these components at the time of a claim, with this add-on cover customer will receive coverage for consumables.

The roadside assistance add-on provides assistance in case the vehicle breaks down in transit. The add-on provides the necessary assistance, be it repairs like battery breakdown, minor repairs, flat tyre, towing the vehicle to a service station, and others.

It will cover the consequential damage to the internal parts of the engine arising out of water ingression or out of leakage of lubricating oil due to an accident.

It is also referred as nil depreciation cover or bumper to bumper policy. It offers full claim on the value of parts replaced due to accident without any deduction for depreciation.

It provides protection in the event of damage, accident or theft of the insured vehicle. It does not provide cover to third-party liability for damages to property of third party as well as for bodily injuries. The insurance policy can be enhanced through add-on covers that offer extended benefits.

It is often referred to as a package policy, as it includes third-party liability cover and the expenses incurred by the policyholder in the event of damage or theft of the insured vehicle. The comprehensive insurance policy can be enhanced through add-on covers that offer extended benefits

Called as Liability Only Policy or earlier called as Act Only Liability Policy. This type of insurance policy is mandated by law for all motor vehicles plying on the roads. This insurance provides cover to third-party liability for damages to property of third party as well as for bodily injuries or death of persons.Third-party liability insurance only covers minimal risks as required and is compulsory as per law and it does not protect the policyholder from damage or theft of the insured vehicle.

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