Motor Insurance

Your two wheeler takes you on endless joyrides, provides you with a spirit of adventure and freedom to traverse distances. With our Long Term Two Wheeler Policy, we secure your every ride, be it to work, home or leisure so that you can continue enjoying your joyrides, adventures and freedom without any worries

KEY BENEFITS:

• Cover for any Partial or Total Loss or Damage to the vehicle
  • Due to natural calamities such as fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide etc.
  • Due to man-made calamities such as burglary, theft, riot, strike, malicious act, accidental external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift/ elevator or air, etc. 
• Personal Accident Cover
  For Owner Driver whilst driving the vehicle including mounting into/dismounting from the vehicle
• Third Party Legal Liability 
  • Third party property damage due to an accident. 
  • Bodily injury (including death) due to an accident. 
• Choose from multiple tenure - You can now choose a policy tenure of 1, 2 or 3 years. Choosing a longer tenure means additional discounts & hassle free coverage without having to renew your policy every year.
• No increase in the Third party premium – Stay protected from annual revision in third party liability premium rates when opted for 2/3 years tenure.
• No Claims Bonus – Enjoy attractive discounts based on your previous claims history.
• Additional Discounts – If you’re an active member of a recognized Automobile Association of India (AAI), you can enjoy an additional discount on your insurance premiums.

EXCLUSIONS

Here’s a list of exclusions that are not covered under this Policy.

• Normal wear and tear and general ageing of the vehicle
• Depreciation or any consequential loss
• Damage to/by a person driving any vehicles or cars without a valid driving license
• Damage to/by a person driving the vehicle under the influence of drugs or liquor
• Mechanical/electrical breakdown
• Loss/damage due to war, mutiny or nuclear risk etc.
• Vehicles including cars being used otherwise than in accordance with limitations as to use
• Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement, etc.