Page 43 - Insurance Times March 2017 Sample

Non-Life Insurance Plan

Private Car Insurance

from Liberty Videocon General

Insurance Company Limited

Features & Benefits  Personal accident cover for the insured and any
named or unnamed passenger(s)
 Hassle-free inspection & cashless claim service at more
than 1900 network garages.  Cover for lamps, tires/tubes, mudguards, bonnet
etc. and paintwork of the damaged portion
 Claim settlement within 7 working days.
 Legal liability to person employed (paid driver /
 Transfer existing No Claim Bonus from any insurance
provider. cleaners)
 Avail of additional protection & convenience through  Legal liability to person employed travelling in the
different add on covers. vehicle (other than driver/cleaner)
 Indemnity granted to trailers
 Swift telephonic service for effective claims support &
assistance even on Sundays & holidays, all available on  Legal Liability to Non-Fare Paying Passengers other
a toll free number. than Statutory Liability except the Fatal Accidents
Act, 1855

Policy Inclusion Policy Exclusions:
This vehicle insurance policy by Liberty Videocon provides Some of the major exclusions under this vehicle insurance
cover for the following occurrences: policy by Liberty Videocon are:
 Loss or damage to the vehicle due to:  Consequential loss

 Accident  Claims arising out of any contractual liability
 Fire  Loss or damage covered under manufacturer 's war-
 Lightning ranty or part of manufacturer 's recall
 Self-ignition  Loss or damage to the engine and/or gear box due to
 External explosion delay in intimation to the insurer or delay in retrieval
 Burglary of insured vehicle from water clogged area.
 Housebreaking or theft  Depreciation; wear and tear
 By accidental external means  Mechanical and Electrical breakdown; failure or break-
 Malicious act age
 Riot and strike  When the vehicle is used outside the geographical
 Terrorism area
 Earthquake, flood, landslide, rockslide, cyclone and  When used contrary to limitations as to use
inundation  When driven by a person other than the driver stated
in the driver's clause
 Whilst in transit by rail, road, air, elevator, lift.
 War perils, nuclear perils and drunken driving
 Personal accident cover in case of loss of limb or sight,
disablement or death Add-on Covers:
 Liability for third party injury or death and damage
caused to their property  Depreciation Cover
 Consumable Cover
 By paying an additional premium, one can opt for
extra cover in case of:  GAP value cover
 Loss or damage to electrical and non-electrical  Passenger Assist Cover
accessories  Roadside Assistance cover 

The Insurance Times, March 2017 43

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