Before purchasing a vehicle insurance policy, it is essential to explore the extent of coverage that comes with the plan. A Comprehensive Vehicle Insurance Policy covers third-party liability too.
Check Before You Select Motor Insurance Policy
The inclusions of the policy offered by Vhingo are as follows:
- Third-Party Coverage: This coverage will pay for the damage inflicted by a person on other people and their property in the case to fulfil your obligations.
- Personal Accident Cover: This cover allows a driver or vehicle owner to compensate the third-party for a sum of INR 15 lakhs in the case of permanent disability or death of a person.
- Damage Due To Man-made Calamities: This covers damages caused by inhumane activities like burglary, riots, strikes, malicious acts, theft, vandalism, and similar activities.
Both third-party liability and comprehensive coverage are legal requirements for all vehicle owners and drivers involving private cars, two-wheelers, and commercial vehicles. Non-compliance with this rule can result in additional charges. Thus, it is crucial to opt for a policy that provides sufficient coverage to keep you safe physically, mentally, and financially.
Motor Insurance Policy Exclusions
Motor Insurance Policy Exclusions
- Depreciation of the vehicle, which is considered normal wear and tear, ageing of components, and consequential loss, is not covered under the policy.
- Driving under the influence of prohibited substances makes you ineligible for claims. Safe driving is always promoted.
- An invalid license nullifies your insurance protection as driving without a valid license is illegal.
- Unfavourable risks such as war, mutiny, or nuclear attacks, which are chaotic and uncontrollable, are excluded from an insurance policy.
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