1. Bus
2. Taxi
3. Three wheelers

1. Tour & Travel Operators
   Hotels
   Schools/College/University or other educational institution owning fleet of school buses
   Web aggregator for taxi services
   Individual taxi owners
   Self drive car service providers

Insured may choose for standalone third party insurance or may choose comprehensive insurance which covers financial compensation against accidentally physical damages to vehicle

Cashless Facility: Every Insurance company has got vast network of service centres and garages to provide cashless facility for making a claim.

Third Party Liability Insurance : As per Motor vehicle act 1988, it is mandatory for automobile owner to take third liability insurance from registered insurers from IRDAI against financial/legal liability that may arise from a third party property/life injury/damage/death due to an accident while using automobile.

Own Damage Vehicle : This ensures financial compensation to automobile owner against physical damages to vehicle due to an accident. However, it covers everything except deductible under policy, file charges and consumable items.

Other Add-on Covers:- Now a days, variety of add on covers provided by insurance companies under automobile insurance such as below

1. Zero depreciation : Full value of all parts replaced during partial damage to vehicle
2. Engine & gear box Protect
3. Personal Accident cover for passengers
4. Consumable cover : Covers against expenses of consumables such as nuts, bolts, gases, greases etc
5. Road side assistance(RSA) : RSA services at event of breakdown or accident.
6. Tyre cover

Legal Liability towards driver/passengers.

Claim under motor insurance triggers when either of below event occurs and results into physical damage to vehicle and/or to third partly bodily injury/death or property damage.

1. Fire explosion due to self ignition or lightning
2. Burglary, housebreaking, theft
3. Riot, strike
4. Earthquake(Fire & shock damage)
5. Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hail storm,
6. Accidental damage by external means
7. Malicious act
8. Terrorism
9. Whilst in transit on by rail road, in land water way, lift, elevator, or air
10. Landslide, rockslide

laims are not payable under below circumstances:-

1. Consequential loss, wear & tear, mechanical or electrical breakdown, failures or breakages
2. Accident occurring outside Indian geographical area
3. If vehicle is used for purpose other than what is specified in policy.
4. Arising nuclear weapon material
5. War, invasion related circumstances
6. If driver of insured vehicle is found to be under influence of alcohol or drug at event of accident.

1. Ambulance
2. Fire Brigade & salvage corp vehicles
3. Hearses
4. Shovels
5. Angle dozers
6. Anti Malarial Vans
7. Breakdown vehicles
8. Cinema film recording & publicity vans
9. Compressors
10. Dispensaries
11. Drilling rigs
12. Excavators
13. JCB
14. Loader
15. Bull dozer/Bull Graders
16. Wheel Loader
17. Back hoe loader
18. Road Roller
19. Cranes
20. Dust Carts, water carts, road sweepers, Tower wagon used for overhead main service
21. Tractor
22. Trailer
23. Transit Mixture
24. Cement Bulker

1. Real estate companies
2. Civil construction Contractor
3. Agriculture
4. Mining
5. Manufacturer/Industrial Plants

Insured may choose for standalone third party insurance or may choose comprehensive insurance which covers financial compensation against accidentally physical damages to vehicle.

Cashless Facility: Every Insurance company has got vast network of service centres and garages to provide cashless facility for making a claim.

Third Party Liability Insurance : As per Motor vehicle act 1988, it is mandatory for automobile owner to take third liability insurance from registered insurers from IRDAI against financial/legal liability that may arise from a third party property/life injury/damage/death due to an accident while using automobile.

Own Damage Vehicle : This ensures financial compensation to automobile owner against physical damages to vehicle due to an accident. However, it covers everything except deductible under policy, file charges and consumable items.

Other Add-on Covers:-

IMT-23 : Cover for lamps, tyres, tubes, mud guards/bonnet, side parts, bumpers, headlights and paint work for damaged portion

IMT-47 : Overturning

Claim under motor insurance triggers when either of below event occurs and results into physical damage to vehicle and/or to third partly bodily injury/death or property damage.

1. Fire explosion due to self ignition or lightning
2. Burglary, housebreaking, theft
3. Riot, strike
4. Earthquake(Fire & shock damage)
5. Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hail storm,
6. Accidental damage by external means
7. Malicious act
8. Terrorism
9. Whilst in transit on by rail road, in land water way, lift, elevator, or air
10. Landslide, rockslide

Claims are not payable under below circumstances:-

1. Consequential loss, wear & tear, mechanical or electrical breakdown, failures or breakages
2. Accident occurring outside Indian geographical area
3. If vehicle is used for purpose other than what is specified in policy.
4. Arising nuclear weapon material
5. War, invasion related circumstances
6. If driver of insured vehicle is found to be under influence of alcohol or drug at event of accident.

Third Party Liability Insurance : As per Motor vehicle act 1988, it is mandatory for automobile owner to take third liability insurance from registered insurers from IRDAI against financial/legal liability that may arise from a third party property/life injury/damage/death due to an accident while using automobile.

Own Damage Vehicle : This ensures financial compensation to automobile owner against physical damages to vehicle due to an accident. However, it covers everything except deductible under policy, file charges and consumable items.

Other Add-on Covers:-  IMT-23 : Cover for lamps, tyres, tubes, mud guards/bonnet, side parts, bumpers, headlights and paint work for damaged portion

Legal liability towards paid driver

Legal Liability  towards passenger

Legal Liability during demo of vehicle.

Claim under motor insurance triggers when either of below event occurs and results into physical damage to vehicle and/or to third partly bodily injury/death or property damage.

1. Fire explosion due to self ignition or lightning
2. Burglary, housebreaking, theft
3. Riot, strike
4. Earthquake(Fire & shock damage)
5. Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hail storm,
6. Accidental damage by external means
7. Malicious act
8. Terrorism
9. Whilst in transit on by rail road, in land water way, lift, elevator, or air
10. Landslide, rockslide

Claims are not payable under below circumstances:-

1. Consequential loss, wear & tear, mechanical or electrical breakdown, failures or breakages
2. Accident occurring outside Indian geographical area
3. If vehicle is used for purpose other than what is specified in policy.
4. Arising nuclear weapon material
5. War, invasion related circumstances
6. If driver of insured vehicle is found to be under influence of alcohol or drug at event of accident.