Plan
Motor Comprehensive Plan
Private car comprehensive cover in three parts: damage to your own car, injury or damage you cause to someone else, and medical expenses.
Automobile Insurance
Car Aasan
Meri Gari Mera Plan
If the car is damaged
An accident can wreck the car and leave you struggling to get around. CSI Car Aasan pays for covered loss and helps you through that time.
What Car Aasan includes
- No deductible on imported vehicles
- Lower depreciation
- Affordable rates
- Tracking included
- Fast claim handling
- Special rates for company and fleet vehicles
- Comprehensive cover for private cars, commercial vehicles, and motorcycles
- Third-party liability, if you injure someone or damage their property
- Optional help by plan: tow, ambulance, cab, and rent-a-car
Get Your Vehicle Insured
What's covered?
The policy has three parts.
A
Section I – Loss or damage to your own car
The insurer pays for loss or damage to the insured vehicle caused by:
Covered event
Details
Accidental damage
Damage from an accidental outside cause
Fire
Fire, an outside explosion, or self-ignition
Theft
Burglary, housebreaking, or theft
Riots and strikes
Damage from riots and strikes
Natural disasters
Flood, hail, wind, hurricane, cyclone, tornado, or typhoon
Earthquakes
Earthquake, volcanic eruption, or other natural convulsion
Transportation
Damage while the vehicle is moved by air, road, rail, inland waterway, lift, or elevator
This is the main comprehensive cover. It protects the insured vehicle against accidental damage, theft, fire, and the natural events listed above.
B
Section II – Injury or damage you cause to someone else
If the insured car causes an accident that injures another person or damages their property, the insurer pays the legal liability of the insured.
Coverage
Details
Death of another person
Legal liability for their death
Injury to another person
Legal liability for their injuries
Someone else's property
Damage to that property
Legal costs
Costs the insurer agrees to in writing
Another permitted driver
Cover can include a person driving with the insured's permission, if the policy allows it
Important: Damage to property that belongs to the insured, or that they hold in trust or in their care, is not covered.
C
Section III – Medical expenses
The policy pays medical expenses for:
- The insured person.
- Anyone riding in the insured vehicle.
- Injuries from a violent accident with an outside and visible cause.
Policy limit: Rs. 350 per accident.
This limit is the one written in the policy wording. It may not be the limit of a current commercial product.
What's not covered?
These are the main exclusions in the policy wording.
A
Damage to the vehicle that is not covered
Exclusion
Explanation
Consequential loss
Indirect money loss after an accident
Depreciation
The vehicle or its parts losing value
Wear and tear
Normal wear from use
Scratches
Light or deep scratches
Mechanical breakdown
Mechanical failure
Electrical breakdown
Electrical failure
Tyre damage
Not covered on its own
Battery damage
Not covered on its own
Tyre and battery exception: If the vehicle is also damaged in the same incident, tyres and the battery are paid at 50% of the replacement cost.
B
Other important exclusions
The insurer will also not pay when:
- 1The vehicle is driven outside the area named in the policy.
- 2The driver is not a driver named in the policy schedule.
- 3The vehicle is rented out.
- 4The claim comes from a contract the insured signed.
- 5The incident involves nuclear weapons, nuclear material, or radiation.
- 6The damage is from terrorism, unless a terrorism add-on applies.
- 7The insured, or someone acting with their consent, was doing something illegal.
