In a world of uncertainty,one can never say what can happen next. Though we all try our best to avoid accidents, we can't hide from it.  So the best we can do is to insure our car in order to have our financial losses covered incase of unforeseen circumstances.  Here we will give  you the various insurance schemes, details  about  what  is insured, the Comprehensive Cover, Third Party Insurance and much more. Other online services include insurance online service.   Get   your  vehicle insured online,  and  drive   without  a  worry.  Also read  on about the major insurance companies.

What is insured ?     
Any light motor vehicle used for social, domestic and pleasure purposes and for the insurer's business.

Insured against what risks?   
1.(a)  Loss or damage by accident, fire, lightening, external explosion, burglary, self ignition, housebreaking or theft, malicious act.
   (b)  Riot and strike, flood, terrorism, earthquake, cyclone and inundation.
   (c)  Whilst in transit by rail,  road, air, elevator, lift. Perils under.
   (d)  Can be deleted and a discount in premium availed.

2. Liability for third party injury/death, third party property and liability to paid driver.

3. On payment of appropriate additional premium, loss/damage to electrical / electronic accessories, PA cover for drivers, insured or any named person, unnamed passengers can also be taken.

4. Certain discounts in premia are also available.

Who can insure?
Individuals and corporate owners of the private cars and the financier of the car having insurable interest in it.

What will policy pay and how much?
Own Damage Actual amount spent for repairs/replacement subject to depreciation and sum insured as per survey report. Garaging and towing charges - up to Rs 1000/- Damage to tyres (when vehicle is also damaged) - 50 % of cost of replacement In case of total loss, market value at the time of loss or sum insured whichever is less. Act Liability Death or bodily injury to third parties - Unlimited Death or bodily injury to any person carried in the car provided they are not insured employees and not carried for hire or reward - Unlimited Liability to paid driver - As per W. C. Act Third party property damage - up to Rs 6000/- All costs and expenses incurred with company's written consent. In case of death of the Insured/any person entitled to indemnity for a liability incurred under this Policy, his personal representative will be indemnified ,as in the case of insured,if he observes all conditions as the insured himself.

When will policy not pay?
a) Consequential loss; depreciation; wear and tear; mechanical and electrical breakdown; failure or breakage. 
b) When vehicle is used outside the geographical area; 
c) When used contrary to limitation as to use; 
d) Driven by a person other than the driver stated in driver's clause
e) War perils, nuclear perils and drunken driving.

Filing Your Claims :
Filing an auto insurance claim : At the scene.
a) Stop and get help for the injured.
b) Call the police and notify the nearest medical unit.
c) Provide the Police with the information they require.
d) Take steps to protect your car from further damage. Your Insurance Company will probably want to have someone inspect it and appraise the damage before you order the repair work done.
e) Record the details of the accident.

Filing your claim :
1. It is important to call your insurance agent immediately even if you are far off from home and even if someone else caused the accident.
2. Ask your agent on how to proceed and what forms or documents will be needed to support your claim. Your company may require a "proof of loss" form, as well as documents relating to your claim, such as medical and auto repair bills and a copy of the police report. Supply the information your insurer needs.
3. Keep records of your expenses. Expenses you incur as a result of an automobile accident may be reimbursed under your policy.
4. Keep copies of your paperwork. You may need to refer to it later.

Third Party Insurance covered for Personal Injury includes: