 | Loss or damage to your vehicle: The policy covers you against any loss or damage caused to the vehicle or its accessories due to the following natural and man made calamities. Natural Calamities – Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide. Man made Calamities – Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air. The rates of the vehicle and its parts are subject to depreciation as per the schedule provided by the Indian Motor Tariff. |
| Personal accident cover: The motor insurance provides compulsory personal accident cover of Rs. 2 lakhs for individual owners of the vehicle while driving. You can also opt for a personal accident cover for passengers. |
| Third party legal liability: This protects you against legal liability arising due to accidental damages - Any permanent injury/ death of a person - Any damage caused to the property. |
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