Insurance policy does not cover any regular services. It covers only accidental damages.

In Agency repair, the car will be serviced at the dealer if had an accident, where he/she gets brand new or genuine parts of the vehicles. However, in garage repair, client gets standardized parts or used parts.

If the tyre got damaged due to an accident, it will be covered based on the insurance companies’ terms and conditions.

Motor insurance policy will not cover battery and tires as well. If the tyre is damaged or got flat, it is not covered under insurance.

Please note that insurance policy does not cover any mechanical fault in the car at all. Client can avail roadside assistance like towing or battery boast if it is included in the policy.

Excess is applicable if the client has comprehensive insurance and he/she is at fault during the accident. The client has to pay the excess amount and the car will be repaired on the damaged parts.

If there is no loan, you have to name transfer the vehicle to the insurance company name and they will provide you with the settlement amount (sum insured) after depreciating as per company procedure. For bank loan, it will be settled to the bank whatever the amount of settlement, remaining amount should be paid by the insured, if any.

Vehicle value will be considered only at the time of total loss cases. If the vehicle repair cost due to accident is more than 50% of the sum insured means, the vehicle will be declared as total loss.

The vehicle value is declared based on the market value and the last year sum insured. It is depreciated 10-15% every year and market value also will be considered if the brand new vehicle value got reduced.

Personal accident covers are like life insurance, which will be applicable or provided at the time of death or disablement like hand or leg, loss of vision etc., in general, these cases will be approved by the court since it is huge accident.