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Car Insurance

Car insurance is a type of insurance policy required to provide protection to your vehicle against any damage which might result into a financial loss. In addition to it, any third party liability which has arisen due to use of your vehicle is covered under car insurance. As per the Motor Vehicle Act, it is mandatory to buy a liability only policy without which one cannot use the vehicle on road.

What is covered in car insurance policy?

Car Insurance Service Provider in India

car insurance

Accidents

Accidents are uncertain. Did your car get damaged due to an accident? Don’t panic! We cover it!

car insurance

Fire & Explosion

Boom! Fire may hamper your car partially or totally, whatsoever be the loss due to Incidents of fire and explosion. Do not worry we can handle it.

car insurance

Theft

You have taken all precautions but still your dream car got stolen? It can be a heart shattering experience. Wait Before you fret over it, let us inform you that we will secure it.

car insurance

Calamities

Havoc due to earthquake, landslide, floods, riots, terrorism etc. may take a toll over your favourite car. Stay calm, as we stay undeterred near you by protecting your car from natural and man made calamities.

car insurance

Personal Accident

In case of injuries due to car accidents, we cover all your treatments and make sure you are healthy and lively above anything else! We also offer coverage to your co-passengers with a slight change in the premiums.

car insurance

Third Party Liability

In case your vehicle accidentally caused injuries or damages to the properties of a third person, we offer complete coverage to meet all your legal liabilities! You can also get third party coverage as a separate policy.

What is not covered in car insurance policy?

Depreciation

Depreciation

We do not cover depreciation in the value of the car.

Electrical & Mechanical Breakdown

Electrical & Mechanical Breakdown

Any electrical or mechanical breakdowns remain uncovered under our car insurance policy.

Illegal Driving

Illegal Driving

Your car insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol remains out of car insurance coverage scope.

Types of car insurance

Third Party Insurance

Third Party Insurance

Driving without a Third Party or Liability Only insurance policy is a punishable offence under the Motor Vehicles Act of 1988. This policy, however, only covers loss or damage suffered by a third party in case of an accident arising out of the use of the insured vehicle. Remember that it does not cover any loss or damage to the insured vehicle or to the insured.

Comprehensive Insurance

Comprehensive Insurance

As the name suggests, this is an all-inclusive policy which offers complete coverage for loss or damage to the third party as well as to you in case of theft or an accident.

Own Damage (OD) Cover

Own Damage (OD) Cover

Own damage or comprehensive insurance covers damage caused by fire, explosion, lightning, burglary or housebreaking or theft, riots and strikes, earthquakes (fire and shock damage), typhoons or floods, riots and malicious acts, terror activity, etc. You can pick and choose from these depending on your needs and budget..

Add-on covers

Add-on covers

The gives you the option to choose various add-on covers such as depreciation cover, passenger assist, consumable cover, engine safe cover, GAP value cover, Key loss cover, and roadside assistance cover..

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Customer Faq’s

In case you raise a car insurance claim, you will be required to provide the following:

Your insurance policy number
Policy holder’s name
Time and date of the accident
Your vehicle number
Accident location (in case of an accident).

You will also need to give information like the model and make of the vehicle, and a detailed explanation of how, when and where the accident took place. You will also need to provide garage details where your vehicle is located to avail car insurance in Delhi.

In case of a third party-related injury, you will be required to provide the details of the third-party. Other documents include a First Information Report (FIR) from the police station where the accident took place, proof of insurance, tax receipt, registration book, the driver’s licence of the insured driver, and estimated cost of repair from the garage.

In case you have made the payment, you will be required to submit repair bills and receipts, as well as a claims discharge-and-satisfaction voucher signed across a revenue stamp (Only for a cashless claim).
Yes, you can do that at its website here. You can also purchase a policy by visiting any of our branches. We recommend that you purchase online since it will be more convenient for you. Besides, you will be doing your bit for the environment since online purchase means less paperwork. After you buy your policy, you will get a soft copy of it for your records.

If you are a new car owner or want to port your insurance policy from another company to LGI online, you can do so in the following way. New customers or those porting their policy can visit here, while those renewing their policy can visit here. Also, make it a point to include add-on covers for better insurer experience.
If you haven’t made a single claim during a year, you will get a no-claims bonus the subsequent year. This can be used to reduce your insurance premiums. This bonus can be transferred in case you decide to switch your insurance provider.
In case you raise a car insurance claim in Bangalore, you will need to provide:

Your insurance policy number
Policy holder’s name
Contact number
Time and date of the accident
Your vehicle number
Accident location (in case of accident).

You will also need to give information like the model and make of the vehicle, and a detailed explanation of how, when and where the accident took place. You will also need to provide garage details where your vehicle is located to avail car insurance in Bangalore.

In case of a third party-related injury, you will be required to provide the details of the third-party. Other documents include a First Information Report (FIR) from the police station where the accident took place, proof of insurance, tax receipt, registration book, the driver’s licence of the insured driver, and estimated cost of repair from the garage.