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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.
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
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
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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.
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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.
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