Bundled Auto Secure - Private Car Policy
(1 Year Term for Own Damage & 3 Years for Third Party) Brochure Page 4 of 12
(IRDAN108RP0006V02201819/A0032V01201819)
If you file for a claim you forego on your No Claim Bonus. But with no claim bonus protection you get
to benefit from certain claims even while you get to keep your No Claim bonus, if bonus
accumulated by you is for 2 or more than 2 claim free years and there being no claim in 2 preceding
years. So you stay double protected.
Special conditions applicable to this benefit in addition to the general conditions:
• The claim made for damages only to the windscreen glass/rear glass/door glasses sun roof
glass, will not be considered as a claim under this benefit.
• The claim only partial theft of accessories/parts will not be considered as a claim under this
benefit.
• A claim for theft of entire motor vehicle will not be considered as a Total Loss/Constructive
Total Loss for this purpose provided a new motor vehicle is purchased and insured with Us
within 90 days of the theft, in which case, We will allow same No claim bonus on New motor
vehicle as is shown in the schedule of the policy wording.
5. Repair of Glass, Fibre, Plastic & Rubber Parts - Private Car Bundled
(IRDAN108RP0006V02201819/A0033V01201819)
A claim for only Glass/plastic/rubber/fiber part where You opt for repairs rather than replacement,
at our authorised workshops/authorised dealers/authorised service stations will not affect Your No
Claim Bonus eligibility at the time renewal with Us provided number of such claim does not exceed
one and there is no other claim for damage to the vehicle during the period of insurance.
Exclusions: Only painting of parts without any repair involved
6. Loss of personal belongings - Private Car Bundled
(IRDAN108RP0006V02201819/A0034V01201819)
Loss of personal belonging covers the loss or damage to your and your family member’s personal
belongings in the vehicle at the time of loss or damage to the vehicle in excess of Rs. 250. Cover is
available for all vehicle age.
Exclusions: Deductible- Rs. 250; Personal belongings for the purpose of this section means items
such as clothes and other articles of personal nature likely to be worn, used or carried and includes
audio/video tapes, CDs but excludes money, securities, cheques, bank drafts, credit or debit cards,
jewellery, lens, glasses, travel tickets, watches, valuables, manuscripts, paintings and items of similar
nature.
7. Emergency Transport & Hotel Expenses - Private Car Bundled
(IRDAN108RP0006V02201819/A0035V01201819)
If your insured vehicle is immobilized after an accident, Emergency Transport & Medical Expenses
offers to pay for the cost of overnight stay and taxi charges for returning back to the place of
residence or the nearest city you were travelling to. Cover is available for all vehicle age.
Any claim under this section will be admissible only when there is a valid & admissible claim in
respect of the vehicle arising out of the same accident.
8. Key Replacement - Private Car Bundled