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INSURANCE · RISK · ADVISORY

Car Insurance.

Protection structured around real-world risk.

Understand cover options for your car, from new-car insurance to renewals and selected add-ons.

Thoughtful advice. Clear options. Support through the policy journey.
Private car driving along scenic routeGITVISHA · RISK ADVISORY
Risk, understood.Start with what matters
Cover that fitsSubject to policy terms
CRITICAL VULNERABILITIES & EXPOSURES

Real-world risks this policy is engineered to solve.

Commercial and personal risks rarely follow idealized assumptions. These are the critical financial pitfalls, claim traps, and operational vulnerabilities that proper policy structuring actively mitigates.

High-Impact Vulnerability01

Depreciation Deductions on Metal, Plastic & Glass Parts

A front-end or side collision requiring replacement of fiber bumpers, headlights, and painted metal panels.

Impact: Standard policies deduct up to 50% for plastic/nylon and 30% for metal, resulting in huge out-of-pocket bills.
Policy Solution: Zero Depreciation (Bumper-to-Bumper) add-on ensuring 100% reimbursement for parts and labor.
High-Impact Vulnerability02

Monsoon Water Ingestion & Engine Hydrostatic Lock

Driving through waterlogged city roads or flash puddles where water enters the air intake and bends engine rods.

Impact: Engine replacement costs ranging between ₹1 Lakh and ₹6 Lakhs—standardly excluded as 'consequential loss'.
Policy Solution: Engine & Gearbox Protection Cover providing comprehensive protection against water ingestion and hydrostatic lock.
High-Impact Vulnerability03

Total Loss / Theft & Return to Invoice (RTI) Gap

Vehicle stolen and unrecovered or damaged beyond 75% repair threshold in a catastrophic highway collision.

Impact: Standard claims settle at depreciated IDV, leaving an enormous financial gap compared to purchase price.
Policy Solution: Return to Invoice (RTI) add-on paying full original invoice value including road tax and registration charges.
UNDERSTAND YOUR OPTIONS

Protection begins with the right questions.

These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.

01

Third-party liability as required by law

Third-party liability as required by law

02

Own-damage cover when selected

Own-damage cover when selected

03

Optional add-ons subject to vehicle and

Optional add-ons subject to vehicle and insurer eligibility

WHO IT MAY SUIT

Built around your real-world exposure.

The right structure starts with understanding your assets, operations, people and contractual responsibilities.

Private car owners
Two-wheeler owners
Businesses operating commercial vehicles or fleets
BEFORE YOU CHOOSE

Details that make a difference.

Compare more than price. Review limits, deductibles, exclusions and policy conditions.

01

Vehicle registration, make, model and year

02

Existing policy and claims history

03

IDV, deductibles and add-ons

GOOD TO KNOW

Questions, answered.

Need more clarity? Send us your requirement and our team can help explore the next step.

Ask our team
Can I enquire about bike insurance separately?

Yes. Mention your two-wheeler details in the enquiry.

Third-party vs own-damage?

Third-party addresses specified legal liability; own-damage covers the insured vehicle against covered damage.

LET’S TALK ABOUT YOUR RISK

Make your next decision with more clarity.

Tell us about your requirement. Your email application will open with the enquiry ready to send.

A conversation focused on your needs
Options subject to underwriting
Clear next steps, without pressure
Official brochure available for offline reference

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