Little things that keep
your Car Running

  • Can your car run without tyres?
  • Does your motor insurance policy cover car tyres?
To Know More
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Insure your car on time and drive with complete peace of mind.

Auto Secure Private Car Package Policy - Add on Covers gives your car extra assurance with our comprehensive cover. Some of the add-on* covers that we offer are:

To know more click on the below add-on's.

 

Key
Replacement

 

Engine
Secure

 

Tyre
Secure

 

Road Side
Assistance

 

Depreciation
reimbursement

 

Consumable
Expenses

 

Return to
Invoice

Key Replacement

This cover is applicable if it shown on your schedule.


What is Covered

  • Key Replacement – We will reimburse You for the cost of replacing your vehicle keys which are lost or stolen.
  • Break-in Protection – We will reimburse you for the cost of replacing your locks and keys if Your vehicle is broken into. The covered costs include the labor cost for replacing the lock.

What is not Covered

  • Costs other than those listed in the “What is Covered” section.
  • Cost to replace keys to vehicles that is not owned for personal use.

For complete list of detailed exclusions, please refer policy wordings.

Engine Secure 

This cover is applicable if it shown on your schedule.


What is Covered 

We will pay You repair and replacement expenses for the loss or damage to -

  1. Internal parts of the engine
  2. Gear Box, Transmission or Differential Assembly
    Provided loss or damage is due to ingress of water in the engine or leakage of lubricating oil from engine/respective assembly. We will also pay for the lubricating oils/consumables used in the respective assembly i.e. material, which is used up and needs continuous replenishment such as engine oil, gear box oil etc. but excluding fuel.

What is not covered:

We shall not indemnify You under this endorsement in respect of-

  1. Loss or damage covered under manufacturer warranty; recall campaign or forming part of maintenance/preventive maintenance.
  2. Any aggravation of loss or damage including corrosion due to delay in intimation to us and/or retrieving the vehicle from water logged area.
  3. Ageing, depreciation, wear and tear.

Deductible:

We shall not be liable for each and every claim under this coverage in respect of deductible stated in the schedule. Subject otherwise to terms, conditions, limitations and exceptions of the policy.


For complete list of detailed exclusions, please refer policy wordings.

Tyre Secure

This cover is applicable if it shown on your schedule.


What is Covered 

We will cover expenses for repair and/or replacement, as may be necessitated arising out of accidental loss or damage to tyres and tubes. In any situation company’s liability would not exceed the following, basis the unused tread depth of respective tyre (not applicable if Full cover is opted)-

  1. Unused tread depth of <3 mm=mm -=- considered=Considered as=as normal=normal wear=wear and=and tear=tear and=and is=is not=not covered.=covered.
  2. Unused tread depth of >- 3 to < 5 mm - 50% of cost of new tyre and/or tube.
  3. Unused tread depth of >=5 to < 7 mm - 75% of cost of new tyre and/or tube.
  4. Unused tread depth of > = 7 mm - 100% of cost of new tyre and/or tube

Unused Tread depth will be measured at the centre of the tread. Minimum 4 measurements at 4 different places will be taken for the purpose of arriving at means tread depth which will be the basis of indemnity under the coverage. Whenever replacement of tyre will be allowed it will be of the same make and specification and if tyre of similar specification is not available and replaced tyre is superior to damaged tyre then We will not be liable for betterment charges. Maximum of 4 (four) replacements will be allowed during the Period of Insurance.

If damage to tyre and tube is due to the accidental damage to the insured vehicle covered under “Own Damage” section of the policy. Our liability under this cover will be restricted to the difference of depreciation percentage applied under “Own Damage” section and as mentioned above basis the unused tread depth.

What is not covered

  1. If vehicle is not repaired at Authorised garage.
  2. Loss or damage arising out of natural wear & tear including unevenly worn tyres caused by defective steering geometry outside manufacturer’s recommended limits or wheel balance, failure of suspension component, wheel bearing or shock absorber
  3. Any loss or damage within first 15 days of inception of the policy
  4. Any loss or damage occurred prior to inception of the policy
  5. Any loss or damage resulting in to total loss of vehicle
  6. Routine maintenance including adjustment, alignment, balancing or rotation of wheels/tyres/tubes.
  7. Loss or damage to wheel accessories, any other part or rim
  8. Theft of tyre(s)/tube(s) or its parts accessories without vehicle being stolen or theft of entire vehicle

For complete list of detailed exclusions, please refer policy wordings.

Road side assistance

This cover is applicable if it is shown on your schedule.

It's a service facilitated to take care of your vehicle and your worries in an unfortunate event of your vehicle meeting with an accident or breakdown. Under this, we provide wide range of services for your help within the covered geographical territory.


Some of the benefits are as follows:

  1. Service for Flat Tyre
  2. Flat Battery – Jump Start Service
  3. Repair on the spot
  4. Fuel Support (Emergency fuel delivery)
  5. Emergency towing assistance
  6. Spare KeyRetrieval/Service for key locked inside
  7. Continuation/Return Journey (Taxi Support)

What is not Covered:

  1. The Services will be provided on a best effort basis, subject to regulations in force locally.
  2. The services would not be provided under following conditions: Acts of God (including exceptional adverse weather conditions), earthquake, fire (not caused by the negligence of either party), war (declared or undeclared), invasion, rebellion, revolt, riot (other than among employees of either party), civil commotion, civil war, acts of terrorism, nuclear fission, strike, act(s) of omission/commission by any concerned, Government(s), or government agencies, judicial or quasi-judicial authorities.
  3. Loss of or damage to luggage or other personal effects that might occur during the services performance.
  4. Vehicles should not be used for the purpose of racing, rallying, motor-sports, or in any instance where the Vehicle is not being used /driven in accordance with applicable laws and regulations.

For complete list of benefits and detailed exclusions, please refer policy wordings.

Depreciation Re-imbursement

This cover is applicable if it is shown on your schedule.


What is Covered:

We will pay you the amount of depreciation deducted on the value of parts replaced under own damage claim, lodged under section 1 (own damage) of the policy. We will pay for the first 2 claims reported to us during the period of insurance.


Special Conditions applicable to this cover in addition to the General Conditions:

  1. A claim where replacement of any part is not involved and no depreciation is deducted under own damage claim, will not be considered as claim under this cover.
  2. Vehicle is repaired at any of our Authorised Garage/Authorised workshop/Authorised service station.

For complete list of detailed exclusions, please refer policy wordings.

Consumable Expenses:

This cover is applicable if it shown on your schedule.


What is Covered 

We will cover cost of consumables required to be replaced / replenished arising from an accident to the insured vehicle. Consumable for the purpose of this cover shall include engine oil, gear box oil, lubricants, nut & bolt, screw, distilled water, grease, oil filter, bearing, washers, clip, break oil, air conditioner gas and items of similar nature excluding fuel.

What is not Covered 

  1. Any consumable not associated with admissible Own Damage claim under section I (Own Damage) of the policy.
  2. If there is no valid and admissible claim under section I (Own Damage) of the policy.
  3. If vehicle is not repaired at Authorised garage

For complete list of detailed exclusions, please refer policy wordings.

Return to Invoice

This cover is applicable if it is shown on your schedule


What is covered:

We will pay the financial shortfall between the amount You receive under section 1 of the policy and the purchase price of the Vehicle as confirmed in the invoice of sale OR current replacement price of new vehicle in case exactly same make/model is available, whichever is less, in the event of Your Vehicle being a Total Loss/CTL following an accident or stolen during the period of insurance and not recovered. We will also reimburse the first time registration charges and road tax which You had incurred on the insured Vehicle.


Special conditions applicable to this benefit:

  1. You are the first registered owner of the motor vehicle
  2. The finance company/bank whose interest is endorsed on the policy must agree in writing.

What is not Covered:

We will not paythe shortfall if:

  1. The Total Loss/CTL and theft claim is not valid and admissible under section 1 of the policy.
  2. Any non-built in electrical/electronic and non-electrical/electronic accessories including bi-fuel kit forming part of the invoice but not insured under section 1 of the policy.
  3. Final investigation report of police confirming the theft of the vehicle in case of theft claim is not submitted to us.
  4. Covered vehicle is imported.

For complete list of detailed exclusions, please refer policy wordings.