Q1. Is it necessary to purchase a comprehensive car insurance policy from IndusInd General Insurance Company?

Ans: Buying comprehensive car insurance is not mandatory by law. However, it is also advised to opt for one as it provides greater coverage for your vehicle as well as a third-party, and helps you drive with peace of mind.

Q2. How much premium would I need to pay for my IndusInd comprehensive car insurance policy?

Ans: The amount of premium required to be paid for the policy varies based on a lot of factors. It is not standard across all companies. You can use a car insurance calculator to find out the estimated premium amount for your policy.

Q3. For how long will my IndusInd comprehensive car insurance policy remain valid?

Ans: IndusInd Comprehensive Car Insurance Policy stays valid for 1 year. You would be required to renew the policy after that. You can check with the insurer for multi-year car insurance plans as well.

Q4. What are exclusions from comprehensive car insurance?

Ans: Depreciation, mechanical and electrical breakdown, damage caused to a car when a driver had an invalid licence are some of the exclusions of comprehensive car insurance.

Q5. Will I get a No Claim Bonus if I only claim once in a policy period?

Ans: No, you will not be eligible for a no-claim bonus in this case as the bonus is rewarded by the insurer only in the case of a claim-free year.

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IndusInd Comprehensive Car Insurance Policy

IndusInd (formerly Reliance) comprehensive car insurance provides complete coverage for your car against unforeseen mishaps such as accidents or damage by natural/man-made disasters on the road and protects you from unplanned financial and legal liabilities. This policy by IndusInd General Insurance Company can also be enhanced by purchasing additional covers.

Benefits of IndusInd Comprehensive Car Insurance Policy

You would be entitled to the following benefits with the IndusInd comprehensive car insurance policy:

Financial Coverage: With a car insurance policy from IndusInd General Insurance Company, you can get financially covered in case your car sustains damages due to accident, collision, theft, fire, etc.
Third Party Cover: With a comprehensive car insurance policy, you can also get covered in case your car meets with a third party accident. Liabilities related to third party death, disability and property damage are covered.
Cashless Repairs: Hassle-free repairs through a network of 5000+ partner garages PAN India offering cashless services for quick claim settlement.
Personal Accident Cover: Apart from covering the insured car, you can also cover the owner/driver of the insured car by purchasing a Personal Accident Cover. This additional cover is mandatory and offers up to Rs. 15 Lakh compensation under death or disability cases.

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Coverage Under IndusInd Comprehensive Car Insurance

The coverage offered under a IndusInd comprehensive four-wheeler insurance policy are:

What is Covered?
What is not Covered?

Following incidents are covered under IndusInd Comprehensive Car Insurance Policy:

Damage to the vehicle is caused due to civil unrest, riots, or strikes
Damages caused due to unforeseen events such as earthquakes, storms, cyclones, floods, etc.
Policyholders would also be covered against total or partial loss of their vehicle due to theft
Any damage caused to the property of a third party or any bodily injuries sustained in a car accident would be covered under your IndusInd comprehensive car insurance policy.
Losses caused to the insured car as a result of fire, self-ignition or explosion
Damages to the insured car while it was in transit via road, rail, water or airways.

Following factors are not covered by IndusInd comprehensive car insurance policy:

Cars used for commercial activities are not eligible for coverage under this car insurance policy.
Any sort of regular wear and tear causing damage to the car would not be applicable for compensation under this policy.
Depreciation of parts would also be charged as a compulsory deductible at the time of claim settlement if car parts are replaced
If there are any type of illegal activities the insured vehicle is engaged in. Such illegal activities also include underage driving.
Any damage caused to the car due to the driver being under the influence of alcohol or drugs would fail to claim for compensation from the insurer.
Driving without a license falls under the category of illegal driving, hence would not attract any compensation from the insurer in the event of a car accident/unforeseen mishap.
IndusInd comprehensive car insurance policy carries a predetermined geographical location. The policy allows compensation only for damages occurring in the ambit of the predefined location as mentioned in the policy document.

Add-ons Under IndusInd Comprehensive Car Insurance

The coverage of a IndusInd comprehensive motor insurance policy can be increased by purchasing add-ons at a nominal extra premium. These are:

Engine Protector
Consumables Cover
Nil Depreciation
Key Protect
NCB Retention Cover
EMI Protection

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How to Purchase IndusInd Comprehensive Car Insurance Policy?

Here is how you can easily get a IndusInd comprehensive motor insurance policy online:

Visit Policybazaar.com and click on “Car Insurance”
On the given form, enter your car number and proceed
Select your car details such as RTO, make, model, variant, etc
From the list of car insurance plans, look for IndusInd comprehensive insurance policy
Select your plan along with additional covers
Pay the premium via online payment mode
Once you have made the payment, your car policy copy will be mailed to you.

Documents Required to Raise a IndusInd Comprehensive Car Insurance Claim

To raise a claim under IndusInd comprehensive four-wheeler insurance policy, you will need the following documents:

Policy Copy
Claim form duly signed
Vehicle RC
Car's fitness certificate
Repair bills and estimates of repair
Police FIR copy
Driving Licence of the driver

FAQs

Q1. Is it necessary to purchase a comprehensive car insurance policy from IndusInd General Insurance Company?

Ans: Buying comprehensive car insurance is not mandatory by law. However, it is also advised to opt for one as it provides greater coverage for your vehicle as well as a third-party, and helps you drive with peace of mind.
Q2. How much premium would I need to pay for my IndusInd comprehensive car insurance policy?

Ans: The amount of premium required to be paid for the policy varies based on a lot of factors. It is not standard across all companies. You can use a car insurance calculator to find out the estimated premium amount for your policy.
Q3. For how long will my IndusInd comprehensive car insurance policy remain valid?

Ans: IndusInd Comprehensive Car Insurance Policy stays valid for 1 year. You would be required to renew the policy after that. You can check with the insurer for multi-year car insurance plans as well.
Q4. What are exclusions from comprehensive car insurance?

Ans: Depreciation, mechanical and electrical breakdown, damage caused to a car when a driver had an invalid licence are some of the exclusions of comprehensive car insurance.
Q5. Will I get a No Claim Bonus if I only claim once in a policy period?

Ans: No, you will not be eligible for a no-claim bonus in this case as the bonus is rewarded by the insurer only in the case of a claim-free year.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in