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Rolls Royce Phantom Car Insurance
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      Rolls-Royce Phantom Car Insurance

      Every Rolls-Royce is built to redefine luxury, but the Rolls-Royce Phantom takes luxury a notch higher. This flagship model welcomes you to a spacious cabin for a comfortable and smooth ride and is powered by a twin-turbo V-12 engine. When you own a Phantom, the protection of your car goes beyond a garage. The right Rolls-Royce Phantom car insurance policy is key to safeguarding against unexpected costs from accidents, theft, fire, or third-party liabilities, because peace of mind should be as seamless as the drive itself. Read the detailed guide below to learn more about the inclusions, exclusions, and add-ons of your motor insurance policy.

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      Rolls-Royce Phantom Car Insurance: Inclusions

      Before signing up for a Rolls-Royce Phantom car insurance policy, you must understand what risks the policy covers. Here are a few standard inclusions of a car insurance policy:

      • Damage caused by natural calamities like cyclones, floods, etc.
      • Any damage caused by human activities, such as strikes, riots, etc.
      • Third-party liabilities caused by your insured car, such as property damage, disability, or death of a person.
      • Partial or total loss of the vehicle due to theft.
      • Car damage due to fire, explosion or self-ignition.
      • Damage caused to the car due to a road accident.

      Rolls-Royce Phantom Car Insurance: Exclusions

      Even though a comprehensive Rolls-Royce Phantom car insurance policy offers wide protection, there are certain risks that it does not cover. Some exclusions in a car insurance policy are listed below:

      • Damages caused by the driver's negligence or overspeeding.
      • If the driver is intoxicated and damages the car while driving it.
      • Car impairment occurs when the driver lacks valid documents, such as a Driving Licence, Registration Certificate (RC), car insurance policy, etc.
      • Car damage sustained outside the geographical area limits specified in the car insurance policy.

      *Disclaimer: Insurance coverage can vary depending on the insurer and your chosen plan. Read the policy document carefully before purchasing Rolls-Royce Phantom car insurance.

      Rolls-Royce Phantom Car Insurance: Add-ons

      It is wise to enhance the protection coverage of your Rolls-Royce Phantom car insurance against specific risks and damages provided by add-on covers. Here are some popular add-ons:

      • Zero Depreciation Cover: This valuable add-on works with your comprehensive policy to eliminate depreciation during claims. It reduces out-of-pocket expenses to almost zero, as the insurance company does not charge for the depreciation of car parts.
      • Tyre Protection Cover: This add-on ensures that if your car's tyres or tubes suffer damage (excluding normal wear and tear), the repair or replacement costs are covered. It's a practical safeguard against unforeseen tyre-related expenses for your Phantom.
      • Electrical Accessories Cover: This cover protects your Phantom from damage or theft if you have fitted electrical accessories like a GPS device, high-end music system or parking sensors.
      • Non-electrical Accessories Cover: If you have enhanced your vehicle with custom seat covers, alloy wheels, or body kits, this add-on offers protection. It covers the repair or replacement costs of these non-electrical modifications in case of damage or theft, preserving your car's personalised touch.

      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
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      How to Buy/Renew Rolls-Royce Phantom Car Insurance Online?

      Buying or renewing your Rolls-Royce Phantom car insurance online is now easy and hassle-free, and can be done online through Policybazaar Insurance Brokers Private Limited.

      Follow the detailed step-by-step guide below to renew your old policy or buy a new car insurance policy:

      • Step 1: Visit Policybazaar.com.
      • Step 2: Click on the "Car Insurance" tab on the homepage.
      • Step 3: Enter your registered car number or click "Brand New Car?" if it is a new vehicle.
      • Step 4: Enter the required car details like make, model, registration year, etc.
      • Step 5: Select the car insurance that you need.
      • Step 6: Choose add-ons to increase coverage.
      • Step 7: Check Rolls-Royce Phantom car insurance price and pay the premium online to receive your policy documents via e-mail.

      FAQs

      • Q1. What happens if my Phantom is damaged abroad—will Indian insurance still apply?

        Ans: Standard Indian car insurance policies offer protection only within the geographical limits of India. If your Rolls-Royce Phantom is taken abroad, even temporarily, the coverage will not extend unless a particular international insurance or transit coverage is arranged.
      • Q2. Can I insure a pre-owned Rolls-Royce Phantom with the same level of coverage?

        Ans: A pre-owned Phantom can be insured with comprehensive coverage, though insurers will conduct a thorough inspection to assess its condition. The insured declared value (IDV) will be based on its current market value, factoring in usage, age, and any modifications.
      • Q3. Are chauffeur-related liabilities covered under Phantom car insurance?

        Ans: Yes, as long as the chauffeur is listed in the policy and holds a valid driving licence, liabilities arising from their driving can be covered. It is important to inform your insurer that the vehicle is chauffeur-driven, as this affects the underwriting.
      • Q4. What makes the 2025 Rolls-Royce Phantom a symbol of ultimate performance?

        Ans: The 2025 Rolls-Royce Phantom is powered by a 6.75-litre twin-turbo V-12 engine, offering 563 horsepower and a seamless eight-speed automatic transmission for effortless driving. Its air suspension system scans the road to pre-adjust for bumps, ensuring an exceptionally smooth ride.

      Save upto 91% on Car Insurance
      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
       Why buy from policybazaar
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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      +Savings are based on the maximum discount on own damage premium as offered by our insurer partners.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.