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A comprehensive car insurance policy, also known as motor package insurance, saves you money when your car is damaged in an accident or natural calamity. It also covers your vehicle against theft and burglary. At times, you may end up hurting others or damaging property in an accident. A car insurance policy covers such third party liabilities as well. If you own a car in India, having third party insurance is a must for you. That’s why it’s crucial to buy and renew your policy on time to stay on the right side of the law and be covered against car damages. At an affordable premium, our reliable car insurance policy protects you against all these risks so that you can drive worry-free.
Apart from comprehensive car insurance, third-party only and own-damage only car insurance policies are also available. You can choose the policy type as per your needs.
Why should you buy a comprehensive car insurance policy?
Third-party car insurance is mandatory
As per the Motor Vehicles Act of India, it is compulsory for all vehicles running on the road to be insured. As a car owner, you must have third party liability coverage.
Third-party car insurance is mandatory
As per the Motor Vehicles Act of India, it is compulsory for all vehicles running on the road to be insured. As a car owner, you must have third party liability coverage.
Third-party car insurance is mandatory
As per the Motor Vehicles Act of India, it is compulsory for all vehicles running on the road to be insured. As a car owner, you must have third party liability coverage.
Third-party car insurance is mandatory
As per the Motor Vehicles Act of India, it is compulsory for all vehicles running on the road to be insured. As a car owner, you must have third party liability coverage.
Third-party car insurance is mandatory
As per the Motor Vehicles Act of India, it is compulsory for all vehicles running on the road to be insured. As a car owner, you must have third party liability coverage.
Third-party car insurance is mandatory
As per the Motor Vehicles Act of India, it is compulsory for all vehicles running on the road to be insured. As a car owner, you must have third party liability coverage.
What are the different types of car insurance policies?
We offer all that you require! Choose as per your needs.
Private car package policy
A comprehensive car insurance policy offers complete protection to you. It covers not only the costs incurred on damages to a third party but also the damages to your car. This policy type also covers car theft and damages caused by fire, burglary and natural disasters.
Stand Alone Damage Car Insurance
With our stand-alone own-damage car insurance, you are covered for any accidental damages to your car. These could be due to natural disasters like earthquake, flood, cyclone, and landslide, or due to manmade disasters like theft, burglary, riot or strike. To buy this insurance, you should have an active third party insurance policy of the vehicle.
Third party car insurance
In this type of insurance policy, you are covered against legal liabilities arising out of an accident. If your car causes injuries to a third party or damages surrounding property, then we will take care of the expenses.
Why should you buy car insurance online from OnelifeX ?
We make life simpler!
Affordable premiums, easy renewals, quick claim settlement are some of the key features of our private car package insurance policy. We also have a set of certified workshops that provide digital survey* for speedy claim processing, pick-up and drop, sanitisation of high touch points on your car, dedicated customer service manager and quality assurance** on repairs.
Besides, we also offer unique additional covers at a nominal extra premium that can significantly boost your car insurance plan. By opting for add-ons in a car insurance policy, you can save a lot of money in repairs.
What are the different types of car insurance policies?
We offer all that you require! Choose as per your needs.
What’s included:
- Coverage for natural disasters like earthquakes, floods, fires and storms
- Cashless repairs in 4300+ network garages✝︎
- Coverage for theft, accidents and terrorist activities
- No claim bonus^ up to 50%
- ₹15 lakh Personal Accident Cover
- 9 add ons to choose from
- Third-party legal liabilities cover
- Instant claim settlement via InstaSpect#
What’s not:
- Car wear & tear and ageing
- Damages while driving under the influence of drugs or liquor
- Any consequential loss
- Mechanical or electrical breakdown
- Damages while driving without a valid license
- Loss/damage due to war, mutiny or nuclear risk
Claim Process
How to claim?
In the event of an incident giving rise to a claim under the policy, the following steps should be taken,
In case of accidental damage to the vehicle:
- Immediate intimation to the nearest office, which will issue a Claim Form.
- Claim Form duly filled in to be submitted along with copy of Registration Certificate and driving license of the driver of the vehicle at the time of accident as also estimate of repairs.
- Vehicle will be surveyed by a Surveyor, appointed by the insurance company, who shall submit his report to the company. In case of a major damage to the vehicle, a spot survey, at the site of accident, would also be arranged by the company.
- Final bills/cash memos are to be submitted duly signed by the insured.
- Salvage of the damaged parts may be required to be deposited with the insurance company after approval of the claim.
In case of theft of the vehicle:
- Lodge an F.I.R. with the police immediately.
- Inform the policy issuing office with a copy of FIR.
- Submit the Final Police Report as soon as it is received.
- Extend full cooperation to the surveyor and/or investigator appointed by the company.
- After approval of the claim by the company, get the Registration Certificate transferred in the name of the company, hand over the keys of the vehicle, submit a letter of Subrogation and Indemnity on stamp paper duly notarized.
In case of liability claim:
- Inform insurance company immediately of any incident likely to give rise to liability claim.
- On receipt of summons from Court, the same should be sent to the company immediately.
- Claim Form duly filled in along-with copies of Registration Certificate, Diving License, FIR are to be submitted.
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