Third-Party Liability Coverage
Third-party liability coverage is a key element of automobile insurance. It protects you financially if you’re responsible for injuring others or damaging their property in an accident. This coverage helps cover medical expenses, property repairs, or legal fees for those affected by the accident. It ensures you meet legal requirements and shields your finances from costly liabilities
Comprehensive coverage
Also known as full coverage, comprehensive coverage extends protection beyond third-party liability. It covers a range of perils, such as theft, vandalism, natural disasters, and damage caused by animals. This type of coverage offers peace of mind and financial security against non-collision incidents. It’s ideal for owners of high-value or new vehicles, as it ensures that you’re covered for repair or replacement costs in case of damage or loss.
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Own Damage (OD) Insurance
Own Damage Insurance is designed to cover the repair or replacement cost of your vehicle in case it suffers damage due to accidents, fire, theft, or natural calamities. However, it does not include third-party liability cover, so it is usually bought alongside a third-party policy. It is especially useful for those who want financial protection for their own vehicle.
Personal Accident Cover
Personal Accident Cover provides compensation to the owner-driver in case of accidental death, permanent disability, or bodily injury. This cover is mandatory in India and typically comes with a fixed sum insured. It ensures that the policyholder or their family is financially protected in case of serious accidents.
Zero Depreciation Cover
Zero Depreciation Cover is an add-on feature available with comprehensive insurance policies. It allows policyholders to claim the full cost of repairs or replacement of vehicle parts without factoring in depreciation. This means the insurer bears the entire cost of replaced parts, making it highly beneficial for owners of new or high-value vehicles.
