" /> " />

Does Car Insurance Cover Accidental Death?

Car insurance is mandatory for all car owners in India. It is required by law to have it before you can register your car...Read More

Compare Car Insurance Quotes

1,000+ Reviews
Been Here Before?
Get Back to My Quotes

The purpose of car insurance is to protect the car owner from any unforeseen losses that may happen due to an accident or natural disaster. An accidental death, for example, would not be covered by the insurance company if it was not part of the policy.

There are two types of coverage available for accidental death: "accidental death only" and "accidental death and dismemberment." The first type will cover you in case you die as a result of an accident, but it does not pay out if your body parts are also lost or damaged. The second type will cover both accidental deaths and dismemberments.

What is EP in Car Insurance?

EP in Car Insurance is an add-on. Having an engine protection (EP) add-on helps in getting your claim settled if only the engine of the car is damaged. Engine protection add-on covers the loss or damage to the engine, gearbox and other engine parts due to water ingression or oil leakage. These covers are offered by many insurance companies up to 7 years of age on paying an extra premiums.

What is CPA Cover in Car Insurance?

CPA cover in car insurance means Compulsory Personal Accident cover. A compulsory Personal Accident cover of Rs. 1 lakh is available for individual owners of the car while driving (Available only if the owner of the car holds a valid driving license). You can also opt for a Personal Accident cover for passengers (Named or un-named) up to a maximum amount of Rs. 2 lakhs per person.

What is Engine Protect in Car Insurance?

The car insurance policy covers the accidental damages to the vehicle at the time of claim. As per the policy wordings, damage to the engine is covered only if the vehicle is damaged simultaneously. In case of floods or engine lock which happens only to the engine, a basic insurance policy doesn’t cover the claims. Due to this Engine protection cover is added as an add-on. This add-on covers the damage to the engine and gearbox due to Water Ingression at the time of floods and Hydrostatic lock.

What Does Comprehensive Insurance Cover?

Comprehensive car insurance covers the loss or damage to the car due to any of the insured peril acting at the time of the accident. Third party insurance covers only the legal liability arising out of bodily injury or death of third parties due to an accident involving the insured car. Third party section also covers the property damage of third parties involved in the accident.

What is Consumables Cover In Car Insurance?

Primary and the major disadvantage of car insurance is your policy does not cover the entire vehicle. Only the specific parts of the car are under damage coverage, the policyholder needs to verify hidden clauses in the document keenly before buying the policy. Most of the insurance companies take a time frame to settle the claim amount, this is the problem most of the policyholders are facing.

Related Question

  • Are scratches covered by car insurance
  • Are riots covered by car insurance
  • Are lost car keys covered by insurance
  • Are stolen car keys covered by insurance
  • Are tyres covered under insurance

Top 10 Car Insurance Companies in Indore, Madhya Pradesh 2022

Find the best car insurance companies in Indore by comparing quotes at PolicyBachat. We offer a lot of insurance options including customized coverages that are tailored to your needs.

Top 10 Car Insurance Companies in Pune, Maharashtra 2022

Find the best car insurance companies in Pune by comparing quotes at PolicyBachat. We offer a lot of insurance options including customized coverages that are tailored to your needs.

Top 10 Car Insurance Companies in Chennai, Tamil Nadu 2022

Find the best car insurance companies in Chennai by comparing quotes at PolicyBachat. We offer a lot of insurance options including customized coverages that are tailored to your needs.

Top 10 Car Insurance Companies in Delhi 2022

Find the best car insurance companies in Delhi by comparing quotes at PolicyBachat. We offer a lot of insurance options including customized coverages that are tailored to your needs.

Top 10 Car Insurance Companies in Bengaluru, Karnataka 2022

Find the best car insurance companies in Bengaluru by comparing quotes at PolicyBachat. We offer a lot of insurance options including customized coverages that are tailored to your needs.
Dots

Start Saving Money on Insurance Policy

Compare Life, Health, Car and Two wheeler Insurance rates from top Insurance companies for free.

1,000+ Reviews
Been Here Before?
Get Back to My Quotes

Please wait while your request is being processed.