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SmartDrive Private Car Insurance Policy is a comprehensive policy that provides protection against third-party liability arising out of an unfortunate eventuality. This policy also provides cover against accidental damage to your vehicle. You can also avail personal accident cover for owner-driver of the vehicle.
Own Damage Cover
Loss or damage to the vehicle insured and/or its accessories are covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.
Cover towards Third Party Liability
Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.
Personal Accident Cover for Owner - Driver
In case of bodily injury/death caused to the owner-driver of the vehicle, the compensation is payable depending on the nature of injury sustained.
For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.
This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs is payable towards personal accident cover during any one period of insurance.
Following are the additional cover/add-ons that can be opted upon payment of additional premium.
Following are the conditions that are not covered under this policy: