IGI Prudential Insurance Limited
Motor insurance

Motor Insurance

Financial protection for insured vehicles against accidents, fire, theft, natural disasters, and third-party liabilities.
About the Plan

Motor Insurance

Motor Insurance provides financial protection against loss or damage to insured vehicles arising from accidents, fire, theft, natural disasters, and other covered perils. It also covers the insured's legal liability for death, bodily injury, or property damage caused to third parties, subject to the terms, conditions, and limits of the policy.

Share:
Policy Protection

Core Motor Insurance Covers

Key covers designed to protect the insured vehicle, passengers, driver, and third parties from covered motor risks.

Own Damage Cover

Provides indemnity for loss of or damage to the insured vehicle caused by accidental collision or overturning, fire, lightning, explosion, theft, burglary, natural perils such as flood, earthquake, landslide, storm, and hailstorm, and other insured risks, subject to the policy terms and conditions.

Third Party Liability Cover

Covers the insured's legal liability for compensation arising from death, bodily injury, or property damage caused to third parties as a result of the use of the insured vehicle, up to the limits specified in the policy.

Accidental Medical Expenses to Driver and Passenger

Provides reimbursement of reasonable and necessary medical expenses incurred by the driver and passengers for bodily injuries sustained in an accident involving the insured vehicle, up to the sum insured and subject to the policy terms and conditions.

Riot, Strike, Malicious Damage, Sabotage and Terrorism (RSMD & ST) Cover

Provides indemnity for loss of or damage to the insured vehicle caused directly by riot, strike, malicious acts, sabotage, and acts of terrorism, subject to the policy terms, conditions, exclusions, and applicable deductibles.

Extended Coverage

Auto Plus Insurance

Depreciation Benefit

Optional protection against depreciation deduction

Auto Plus Insurance is an optional extended coverage that provides protection against depreciation deducted on replaced parts following an admissible own damage claim. Under this cover, the depreciation applicable to eligible parts is borne by the insurer, thereby reducing the insured's out-of-pocket expenses and enabling a higher claim settlement, subject to the terms, conditions, exclusions, and limits of the policy.

Need More Information?

To learn more about our motor insurance policies, reach out to our experts.

Customer Care

01-5971516
CalculatorClaimPolicyDashboard