Auto Secure - Private Car Package Policy

Claims for replaced parts are subject to fixed depreciation rates of 50% for rubber/nylon/plastic and 30% for fiber glass.

Liability for tyres and tubes is limited to 50% unless the vehicle is damaged simultaneously.

A vehicle is considered a Constructive Total Loss only if repair/retrieval costs exceed 75% of the IDV.

Loss or damage occurring while the driver is under the influence of liquor or drugs is not covered.

The policy covers removal and protection costs up to ₹1500 per accident.

The insured is responsible for the first amount of each claim as specified in the schedule.

The policy does not cover consequential loss, mechanical or electrical breakdown.

Insured can earn up to 50% discount on Own Damage premium for 5 consecutive claim-free years.

A 50% depreciation is applied to material costs for painting, with material costs assumed as 25% of consolidated bills.

Personal accident cover excludes self-injury, suicide, or accidents while under the influence of alcohol.

Theft claims must be reported to the Police and the Insurer within 48 hours.

NCB can be transferred from a previous insurer if proof of entitlement is provided.

NCB is lost if the policy is not renewed within 90 days of its expiry date.

Notice of any accidental loss or damage must be given to the company immediately.

Loss or liability incurred outside the specified Geographical Area is not covered.

Tyre replacement under the Tyre Secure add-on is subject to unused tread depth, with 0% coverage if tread is <3mm.

A premium discount is provided if an ARAI-approved anti-theft device is installed.

Claims are invalid if the vehicle is driven by someone other than the driver defined in the Driver's Clause.

For the 'Loss of Personal Belongings' add-on, the insured must bear the first ₹250 of each claim.

Losses caused by nuclear weapons, ionising radiation, or war-like operations are excluded.