Comprehensive motor insurance offers coverage for various risks, including damage to your vehicle, theft, vandalism, natural disasters, fire, and accidents. This coverage extends to both third-party damages, including vehicles, property, or persons, and damages to your own vehicle.

Coverage:

• Accidental 
• Fire explosion, self-ignition or lightning
• Burglary or theft
• Earthquake (fire and shock damage)
• Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstone/snow, frost.
• Malicious act (only damages caused by unknown miscreants).
• Whilst in transit by road, rail inland, waterway, lift, elevator or air.
• By landslide/rockslide.

Exclusion:

The policy shall not cover the following:

• Consequential loss, depreciation, wears and tears, mechanical or electrical breakdowns.
• Failures or breakage caused by overloading of the motor vehicle shall be payable as per Claims Manual 2017.
• Loss of or damage to accessories by burglary, garage break in or theft unless the motor vehicle is stolen at the same time.
• Damage to tyres unless such motor vehicles are damaged at the same time, and the liability shall be limited to 50% (fifty percent) of the cost of replacement of tyres.
• Any accidental loss or damage whilst the insured or any person driving with the knowledge and consent of the insured is under the influence of intoxicating liquor (beyond the permissible limit set by RSTA Act) or drugs. 
• Loss of or damage caused due to driving on the road not fit for traffic.
• Loss of or damage caused by any person driving without a valid license shall be payable as per Claims Manual 2017.
• Loss of or damage caused by any person due to violation of RSTA/Traffic rules shall be payable as per Claims Manual 2017.
• Any accidental loss or damage or liability caused incurred outside the geographical area stated by RSTA Act.
• If the ownership of the vehicle is changed without informing the insurer for effecting the change in the policy (as per claim manual).
• Change in vehicle registration from private to commercial without informing the insurer for effecting the change in the policy (as per claim manual).
• Any changes in the chassis, engine number and vehicle registration number without informing the insurer for effecting the change in the policy (as per claim manual).
• Any loss or damage caused by SRCC, terrorism and war.
• Any loss or damage caused while recovering, towing or thrusting of other vehicles/goods.