Edelweiss Car Insurance

Edelweiss car insurance is designed to protect the insured vehicle and its owner from any financial setbacks arising due to unanticipated events like a road accident, theft, etc. The Edelweiss General Insurance Company offers four-wheeler insurance plans based on the needs of the car owners. They also provide assistance in case of any road mishap.

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Cashless garages1500

Plans starting @₹ 1994

Claim settlement ratio

Claim settlement ratio 98%

*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

About Edelweiss Car Insurance Company

Edelweiss General Insurance Company is a part of Edelweiss Group, an investment and financial services company based in Mumbai. The company deals in various insurance-related services, including car insurance among others.

The Edelweiss General Insurance Company aims at offering insurance services in a simple and hassle-free manner. With its end-to-end customer services, the company also offers fast claim assistance to its policyholders.

Key Features of Edelweiss Car Insurance

Features Coverage and Benefits
Third-Party Coverage Yes
Incurred claim ratio 93.38%
Personal Accident Insurance Up to 15 Lakhs
Network Garages 1268
No Claim Bonus Yes

Benefits of Edelweiss Car Insurance

By purchasing car insurance from Edelweiss General Insurance Company Ltd., you can avail the following benefits:

  • The insurance company provides car repair services at more than 1268 network garages.
  • Faster claim settlement with a customer-centric approach
  • Priority repair services at the preferred workshops/network garages
  • Edelweiss car insurance also offers discounts to members of the Automobile Association of India.
  • Discounts on the installation of anti-theft devices are also offered
  • Edelweiss General Insurance Company offers various add-on covers to its policyholders
  • Edelweiss car insurance claim settlement ratio is 84.52%
  • The company also offers Personal Accident Cover to its policyholders.

Types of Edelweiss Car Insurance Policy

Edelweiss car insurance offers three types of motor insurance policies. Let’s have a look at these:

1. Edelweiss Private Car Liability Only Insurance

It is a basic car insurance policy that Edelweiss car insurance provides. The Private Car Liability Only policy offers compensation to a third party on behalf of the policyholder for bodily injuries, death or loss or damage caused to a third party’s property in the event of an accident involving the insured car. Under this plan, the coverage offered for third-party injury or death is unlimited while for third party property damage, it's limited to up to Rs. 7.5 lakh.

However, the Liability Only policy will not cover loss or damages caused to the insured car.

2. Edelweiss Private Car Package Insurance

The Private Car Package policy is a comprehensive car insurance plan by Edelweiss car insurance that ensures the financial safety of the insured car during unanticipated events like road accident, theft, fire, natural disasters, etc. In addition, this policy also covers the policyholder against any third-party liability arising due to a road accident by the insured car.

The Private Car Package insurance can also be enhanced by purchasing add-on covers at the payment of some extra premium amount.

3. Edelweiss Stand-Alone Own Damage Insurance Policy

The Edelweiss Private Car Stand-Alone Own Damage policy covers a policyholder against damages to the insured vehicle in events like fire, theft, earthquake, riot, etc. This policy can be purchased additionally to a third-party liability-only policy to obtain enhanced coverage. Just like the package policy, this plan also the car owner to buy add-on covers on payment of an additional premium.

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Coverage Under Edelweiss Car Insurance

  • Theft: Damages sustained by the insured car due to theft, burglary, and housebreaking are included.
  • Self-ignition: Any damage caused by fire, lightning, explosion, and self-ignition is covered.
  • Manmade Disasters: Losses arising due to manmade disasters such as strikes and riots are included in the Edelweiss car insurance policy.
  • Natural Disasters: Natural calamities like earthquakes, floods, storms, typhoons, hurricanes, rockslides, cyclones, etc. are covered.
  • Accidental Means: Accidents by external means are included in the car insurance policy.
  • In-transit Damages: Damages sustained by the insured vehicle while in transit by rail, road, lift, inland – waterways or air – are covered.
  • Terrorist Act: Damages incurred due to any terrorist activity are included.
  • Contractual Liability: Claims arising due to any contractual liabilities with a third party are not covered.
  • Illegal Driving: Illegally driving or using an uninsured car is excluded from the coverage. For instance, claiming for an accident while the car was being driven by a person without a valid driving license.
  • Outside Geographical Area: Accidents that take place outside the scope of the geographical area are excluded.
  • Consequential Damages:  Any consequential damage or loss arising due to car accidents are not covered. For example, if you leave your damaged car unattended and later on, you find out that some of its parts have been stolen, then the insurer will not pay for the loss.
  • Civil War:  Any type of loss or damage resulting due to situations like enemy strikes, riots, other warlike incidents etc. are excluded.
  • Wear and Tear:  The cost of repairing routine wear and tear resulting in depreciation of the vehicle is not covered.
  • Other Purposes: If the insured car is used beyond the scope of coverage, then it is not covered. E.g., if a private car is used for commercial purposes, then the coverage is not provided.
  • Drunk Driving:  Damages due to driving under the influence of alcohol or drugs are excluded from the Edelweiss motor insurance policy.

Edelweiss Car Insurance: Add-Ons

Edelweiss General Insurance Company also offers some add-on covers that a policyholder can purchase with an existing car insurance policy by paying an extra premium. These add-ons are:

  • Depreciation Protect

    The Depreciation Protect cover by Edelweiss car insurance compensates a policyholder with the amount of depreciation incurred by the insured car. This add-on is applicable to cars that are less than 7 years old. A policyholder can utilize this cover only for the first 2 claims during the policy tenure.

  • NCB Protect

    The NCB Protect add-on cover allows a policyholder to protect his/her existing No Claim Bonus even after raising a claim during a policy tenure.

  • Key and Lock Protect

    Under this add-on cover, the insurance company will compensate for the cost of repair/procurement of a new key and lock if the existing key/lock is damaged or lost.

  • Road Side Assistance

    The Road Side assistance cover provides roadside assistance to the policyholder if the insured car suffers a mechanical or electrical breakdown on the road.

  • Engine Protect

    Engine Protect add-on cover compensates policyholders against the damages sustained by the insured car's engine and gearbox due to water ingression or oil leakage.

  • Invoice Value Protect

    In case of total loss and theft of the vehicle, the insurance company will pay the latest available sales price of the vehicle to the policyholder under this add-on cover.

  • Consumable Expenses Protect

    Under this add-on cover, the insurance company covers the cost of consumables that are replaced/replenished during the repair of the insured car. Consumables include engine oil, AC gas oil, brake oil, etc.

  • Personal Belongings Protect

    The insurance company will pay for the loss or damage of personal belongings of the policyholder, such as clothes, laptops etc., during an unanticipated incident such as a road accident of the insured car. For each claim under this add-on cover, the policyholder will have to pay an amount of Rs. 250.

  • Tyre Protect

    Under this add-on cover, the insurance company will provide coverage for replacing or repairing the tyres and tubes of the insured car.

  • Mandatory Deduction Protect

    Under a Mandatory Deduction Protect add-on cover, the insurance company will waive the mandatory deductible at the time of claim settlement as mentioned in the policy. This add-on cover can be purchased for cars less than 5 years old.

How to File a Claim Under Edelweiss Car Insurance?

In case your car meets with an accident or any other mishap, you can call Edelweiss Car Insurance to raise a claim. Let’s see how it should be done:

  • Contact the InsurerContact Edelweiss car insurance provider soon after the incident to register your claim
  • Keep Relevant Documents: Keep all the relevant documents handy as you will need them during claim filling. Fill out the claim form and attach the required documents.
  • InspectionOnce you have informed Edelweiss General Insurance Company, a professional will be assigned to your case for car damage assessment. The surveyor will evaluate your case and will take you through the claim process.
  • Claim Settlement: Your case will be resolved by the surveyor based on your opted plan and its coverage. In the case of a cashless claim, the insurance company will settle the claim directly with the network garage. In the case of non-network garages, you will have to pay the repair expenses, which will be reimbursed to you later by the insurance company.

Documents Required to Raise a Claim Under Edelweiss Car Insurance

Mentioned below are the documents that you would need to submit as part of your Edelweiss car insurance claim procedure-

  • Duly signed claim form
  • Police FIR copy
  • Copy of valid Driving License
  • Estimated cost of the repair work
  • Repair bills as well as payment proof or discharge voucher
  • Road tax receipts
  • Copy of the car insurance policy
  • Copy of Registration Certificate (RC)

How to Renew Edelweiss Car Insurance?

To avail the continuous benefits of the Edelweiss car insurance policy, it is important to renew it before the expiry date. Edelweiss car insurance offers an easy online renewal facility. Follow the below-mentioned steps for Edelweiss car insurance renewal online:

Step 1. Visit the official website of Policybazaar Insurance Brokers Private Limited and go to the Car Insurance page from the ‘Insurance Products’ dropdown

Step 2. On the given renewal form, enter your car number and select ‘view instant quotes’.

Step 3. Fill in the required details and select View Prices

Step 4. Enter the expiry date of your policy and details of the previous claim

Step 5. Find the Edelweiss motor insurance plan. To view policy details, select the “Policy details” option

Step 6. Select the add-on covers you wish to add at an extra premium and proceed

Step 7. Enter No Claim Bonus of your existing policy and proceed forward

Step 8. You have to fill out the proposal form and proceed with “Summary and Payment"

Step 9. Once the premium has been verified, you can pay the amount using your preferred payment method.

Step 10. Once paid, your Edelweiss car insurance renewal will be complete.

The Edelweiss motor insurance renewal documents will be sent to you on your registered email id.

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Edelweiss Car Insurance Reviews & Ratings
4.5 / 5 (Based on 54 Reviews)
(Showing Newest 10 reviews)
Surya
Mansa, November 10, 2021
Faster claim settlement
The headlight part of my car was damaged due to an accident. I took the help of Policybazaar for claim settlement from where i had taken Edelweiss Car Insurance policy. i got the claim within two days. i did not have to wait long for cashless repairs.
Hina
Dombivli, August 26, 2021
Best service
I have taken Edelweiss car insurance plan from policy bazaar. The team showed me plans according to my budget and gave the brief information about the policy.Policy Bazaar will provide you the best service like they provided me.
Purumitra
Bhimavaram, August 18, 2021
Found Convenient
recently i checked the policy bazaar website and i got my car insurance from edelweiss car insurance in my budget. it literally took 5 minutes to buy my plan and from now i will take all my plans from the policy bazaar.
Kavita
Dadengiri, April 26, 2021
Coverage
I find the edelweiss car insurance plan quite worthy to the premium amount and I my car has got a good coverage too. I am happy with this plan. Thanks.
Himani
Odagoan, April 23, 2021
Zero depreciation cover
In my edelweiss car insurance plan I have got the zero depreciation cover. It will ensure that I would get the full amount at the time of claim without any deductions. Great plan.
Ashutosh
Wadhwan, December 23, 2020
Renew it
I have renewed my edelweiss car insurance policy from the website of the policybazaar. And it is very easy to do so. Great work by the whole team.
Vikram
R.udayagiri, December 22, 2020
Repair work
My repair work of my car was done immediately I got my edelweiss car insurance policy and it was under the policybazaar and into my car insurance plan. Thanks to team policybazaar.
Ananya
East Godavari, December 21, 2020
Best services
I have received the best in class services from the edelweiss and policybazaar. I really like the services and it has been wonderful place for me and my car and also my family. Great work to whole team and thanks a lot.
Ravi
Vadali, December 17, 2020
Cashless claim
I have recently got my edelweiss claim assistance from the policybazaar and they have immediately assisted me to fulfil my claim. A great place to get insured.
Ahmed
Padampur, December 15, 2020
Anti-theft device discounts
I have got the discount into my edelweiss car insurance plan and also it was the one of the amazing thing which I have found. I bought the car insurance policy online. Thank you so much team policybazaar.