Does Car Insurance Cover If Someone Else Driving?

Yes, Car insurance covers if someone else is driving your car. However, it does not cover if you are driving your car and someone else is riding in the passenger seat. If you are driving your own car, there are certain risks that come with it. You could be involved in an accident while driving or even hit a pedestrian while driving. In such cases, insurance companies would cover the costs of repairing or replacing your vehicle or paying for any damages caused to other people’s property...Read More

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Are car keys covered under insurance?

Some insurance companies cover car keys under the same policy. However, there are some that do not. But if you add a key protection cover or a key replacement cover is an add-on in your car insurance policy then your car keys are covered under insurance.

Are lost car keys covered by insurance policy?

Car Key Cover or the Key Replacement Cover is an Add-on to the Comprehensive Car Insurance Policy comes into action if the car key is misplaced, lost, damaged or stolen.

Are natural calamities covered under car insurance?

Yes. Natural calamities and God made disasters such as Cyclone, Typhoon, Storm; Floods etc are covered under your “Comprehensive Car insurance policy”. Please note that the coverage is not available in case of Standalone Third party car insurance policy.

Are Passengers Covered By Car Insurance?

The passenger is not covered by the car insurance in India. In India, a person who travels in a vehicle other than as a driver, whether or not he or she pays for the transportation, is considered a passenger.

  • The person driving the vehicle is solely responsible for it and hence he is also liable to pay for any damages done to it or its passengers. However, if the driver was not at fault and someone else caused the accident, then he can claim damages from them.
  • If a passenger has an individual car insurance policy, then they can claim compensation from their own insurer. But this is applicable only if they were not at fault in the accident and were not driving their own vehicle at that time.
  • If a passenger does not have an individual car insurance policy, then they cannot claim compensation from anyone as they are neither liable nor do they have any responsibility to pay for anything that happens with.
Can my car insurance cover be enhanced?

Yes. Your car insurance cover can be enhanced. Third party car insurance policy coverage can be enhanced by opting for Comprehensive or Package policy on payment of extra premium. Comprehensive package policy can be enhanced by opting for add-ons on payment of extra premium.

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