Does Insurance Cover New Car Seat After Accident?

We all know that accidents happen and it is not possible to avoid them. But when an accident happens, it can cause a lot of damage to the car. And one of the most expensive things in a car is the seat. So does insurance cover new car seat after accident? The answer is yes. If you have comprehensive coverage, then it will cover new car seats if they are damaged during an accident...Read More

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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.

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