What Will Car Insurance Not Cover?

Car insurance in India is a complex process that involves a lot of paperwork, tedious calculations, and the potential for fraud. There are certain things that insurance companies will not cover or reimburse. These include but are not limited to:

  • Accidents outside of India
  • Accidents involving alcohol or drugs
  • Driving without an Indian license
  • Driving without an international driving permit

What is covered and not covered in Universal Sompo Car Insurance policy online?

The universal sompo car insurance covers the insured as well as his or her car from financial losses and damages after an accident or any mishap such as theft, fire, natural calamity, or man-made calamity, while the latter is a policy that covers the insured as well as his or her car from financial losses and damages after an accident or any mishap such as theft, fire, natural calamity, or man-made calamity.

Coverages:

  • Manmade causes
  • Theft
  • Natural calamities
  • Third party liability
  • Fire
  • Damage during transit
  • Terrorist acts.

Not Covered:

  • Drunk driving
  • Invalid driving license
  • Outside geographical location
  • General wear and tear
  • Breakdown
  • Damage during war.

What is covered and not covered in TATA AIG Car Insurance policy online?

Tata AIG offers a third-party car insurance policy, a standalone own-damage car insurance policy, and a comprehensive car insurance policy at affordable premium rates in the car insurance segment. These car insurance policies can be purchased online without any hassle via an instant and quick process. To get additional coverage, one can also purchase add-on cover(s) along with these car insurance policies. This way, one can opt for even greater coverage if covered under Tata AIG car insurance policies.

Coverages:

  • Natural calamities
  • Third party liability
  • Fire
  • Damage during transit
  • Manmade causes
  • Theft
  • Terrorist acts.

Not Covered:

  • Drunk driving
  • Invalid driving license
  • Outside geographical location
  • General wear and tear
  • Breakdown
  • Damage during war.

What is covered and not covered in Shriram Car Insurance policy online?

Shriram car insurance covers your car against the mandatory third party liability, but also against the losses caused to your car due to fire, theft, explosion, burglary, riots, strikes, earthquakes, flood, cyclones, accidents, malicious acts & terrorist activities. Besides above, having car Insurance with Shriram General Insurance, you can avail the enhanced protections through unique car insurance add on covers.

Coverages:

  • Manmade causes
  • Theft
  • Natural calamities
  • Third party liability
  • Fire
  • Damage during transit
  • Terrorist acts.

Not Covered:

  • Drunk driving
  • Invalid driving license
  • Outside geographical location
  • General wear and tear
  • Breakdown
  • Damage during war.

What is covered and not covered in SBI Car Insurance policy online?

SBI car insurance covers any damages sustained by the third party property or injury or death of the third party in case of an accident from the insured car. The compensation offered under the third party liability policy is unlimited for death or injury. For third party property damage, it is limited to up to Rs. 7.5 lakh.

Coverages:

  • Third party liability
  • Manmade causes
  • Theft
  • Natural calamities
  • Fire
  • Damage during transit
  • Terrorist acts.

Not Covered:

  • Outside geographical location
  • General wear and tear
  • Drunk driving
  • Invalid driving license
  • Breakdown
  • Damage during war.

What is covered and not covered in Royal Sundaram Car Insurance policy online?

A car owner having the Car Shield cover of Royal Sundaram enjoys policy covers Compensation for damage/theft of the insured car. Cover up to Rs 7.5 lakh for a third party property damage. Injury or death of a third party in an accident caused by your car.

Coverages:

  • Manmade causes
  • Theft
  • Natural calamities
  • Third party liability
  • Fire
  • Damage during transit
  • Terrorist acts.

Not Covered:

  • Drunk driving
  • Invalid driving license
  • Outside geographical location
  • General wear and tear
  • Breakdown
  • Damage during war.
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