General Insurance


Your car is a high value asset and a highly valued possession. It is but natural that you insure it. Motor insurance protects you and your vehicle - against losses caused due to fire, theft, explosion, burglary, riots, strikes, earthquakes, flood, cyclones, accidents, malicious acts and terrorist activities , and damage caused by your vehicle to another person or property (Third Party Liability)

Need for motor insurance?

• It is mandatory by law under the Motor Vehicle Act
• Your car is one of your most valued possessions
• Passengers in your car are mostly your near and dear ones
• Accident, theft, damage and third party liability can arise unexpectedly

What are the exclusions under the policy?

The following are the specific exclusions under the policy:-

• Wear and tear, Depreciation or any consequential loss
• Fire & Explosion - Mechanical/ electrical breakdown
• Depreciation
• Deliberate accidental loss
• Any contractual liability
• Riot & Strike - Damage caused by a person driving the car without a valid license
• Malicious Act - Damage caused by a person driving the car under the influence of alcohol or drugs
• Burglary, housebreaking/ Theft
• Other exclusions as per the policy terms and conditions

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