Private Car Insurance

Car Insurance 0, Was.covered and how much? For every car owner, it's important to know exactly what extent of protection your car insurance policy provides in case of an accident - what's covered what's not and the extent of the cover. Here's what you need to know. What is covered? What is not covered? Normal wear and tear Loss or Damage to your vehicle against Natural Calamities Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide. Mechanical and electrical breakdown Personal Accident Coverage of Rs 2 Lakhs for the individual driver of the vehidle while travelling, mounting or dismounting from the car. Optional personal accident covers for co- passengers available. Damage to/ by a person driving any vehicles or cars without a valid license Damage to/ by a person driving the vehicle under the influence of drugs or liquor Third party legal liability Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property. Loss/ damage due to war, mutiny or nuclear risk How depreciation affects your car insurance Depreciation is deducted differently for different parts of the car. Below are the percentages of the depreciated cost that your insurer will have to bear, with the rest being borne by the car owner 70% Fiber glass parts Metal parts depreciate depending 0-50% the age of the car on Material cost for 50% Tyres/Tubes 50% painting 50% Rubber/plastic parts 50% Battery Different riders that decrease your car repair expenses Vehicle Zero Garage cash Engine cover Rental reimbursement replacement depreciation Cover Cover Cover Cover Private Car Insurance