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What is Motor Insurance – All You Need to Know about Motor & Travel Insurance

Health insurance covers the cost of medical and surgical expenses incurred by the insured. The insured either has to pay such expenses out-of-pocket or is later reimbursed by the insurer or the insurance company settles the bill directly with the hospital. The benefit and features so provided are subject to the terms and conditions of the insurance policy. The cover, most of the times, is extensive and is usually more expensive than a Mediclaim Policy.

Car Insurance

Car insurance (also known as auto or motor insurance) is done to protect your vehicle from unforeseen risks. It basically provides protection against the losses incurred as a result of unavoidable instances. It helps cover against theft, financial loss caused by accidents and any subsequent liabilities. The cover level of Car insurance can be the insured party, the insured vehicle and third parties (car and people). The premium of the insurance is dependent on certain parameters like value of the car, type of coverage, vehicle classification; voluntary excess etc. Car insurance gives confidence to drive peacefully. In emergencies it acts like a boon to the insurance holder.

With so many car insurance companies for customer base in the market, it is quite difficult to make a decision like choosing the right policy and insurer. Figuring out the right insurance policy, fulfilling the requirement and being cost effective can be time consuming. Many a times car insurance may seem complex but having it saves you spending a fortune later.

1. Third-Party Insurance :

Third-party insurance is a basic vehicle insurance As per applicable terms and conditions, it covers bodily injuries/ damage(s) or losses caused to any third-party vehicle/property by the insured vehicle.

2. Comprehensive Insurance :

True to its name, the comprehensive vehicle insurance policy provides enhanced insurance coverage. It covers third-party liability as well as own damage to the insured vehicle. While having a comprehensive insurance policy is optional; having a third-party vehicle insurance policy is mandatory.

What is Two Wheeler Insurance?

Consists of Bike and Scooty

1. Liability Only Insurance Policy :

Also called Act Only Policy, this policy is mandatory in India by law. It covers against property damage, loss, death or bodily injury to a third party because of an accident caused by the insured two-wheeler. This insurance covers the owner of the two-wheeler as well.

2. Comprehensive Insurance Policy :

Also known as Package Policy, this covers everything included in a Liability Only Policy along with additional coverage for damage or theft of the two-wheeler. This is an optional policy.

3. Own Damage Policy :

This covers against losses/damages caused to a two-wheeler on account of:
> Natural calamities such as fire, flood, lightning, earthquakes, etc.
> Burglary, theft, riot, strike, malicious acts, terrorist activity
> Accident by external means
> Damage during travel by air, rail, road, water

What is Travel Insurance?

Travel Insurance is a type of insurance that covers all risks while travelling. Whether it is an international trip or domestic, travelling always brings ample excitement and fun. NO doubt, travelling is an amazing experience & fun to cope up with stress & depression. While spending quality time with friends & family on a vacation, you live many key moments and collect unforgettable memories forever. But amidst the fun, you shouldn’t ignore the possibility of an unforeseen that could spoil the whole excitement.

Types Of Travel Insurance

1. Domestic Travel Insurance :

This policy is meant for customers who are travelling within the country. It provides coverage for medical emergencies, permanent disability and death, loss/delay of checked-in baggage, travel delay and personal liability.

2. International Travel Insurance :

The policy offers financial protection against a number of contingencies for travellers during international trips. It provides comprehensive coverage for medical expenses overseas, hijack distress allowance, baggage and travel delays, and repatriations/evacuation to India on medical ground, and loss of travel documents/passport besides the usual coverage.

3. Student Travel Insurance :

It is a travel policy designed for students travelling abroad on a student visa to pursue higher studies.. There is minimum paperwork involved in student plans. The coverage is comprehensive and provides for expenses incurred on medical treatment, loss of important travel document such as Passport, compassionate visit, bail bond, study interruptions and so on.

4. Medical Travel Insurance :

Medical travel cover is a short-term insurance plan formulated to cover specifically the health care and medical expenses incurred while travelling abroad such as medical emergency and evacuation etc.. The exact coverage may vary from one insurer to another or depending on the requirement of the insured.

5. Group Travel Insurance :

As the name suggests, it is a type of travel insurance that covers a bunch of people who are not related to each other by blood and are travelling to a distant place together. This group of people could be members of a club, who are going on an international trip to participate in an activity or something. A group travel cover comes at an affordable rate, which helps the insured to save on premiums.

6. Senior Citizen Travel Insurance :

Senior citizen travel insurance policy is for people who belong to the age group of 61-70 years. It is a travel medical insurance policy aimed at senior citizens to make their travel a pleasant experience. It includes coverage for dental treatments and cashless hospitalization besides the usual benefits offered under this plan.

7. Family Travel Insurance :

This plan insures the entire family of the insured individual from travel-related emergencies. This plan covers hospitalization (travel medical insurance), baggage loss, and other incidental expenses. The claim disbursement is easy with minimal paperwork involved.

8. Multi-Trip Travel Insurance :

The multi-trip travel insurance plan offers extended coverage usually for a year, specially designed for frequent fliers for multiple trips so that they don't have to apply for insurance every time they travel.

9. Corporate Travel Insurance :

Under corporate travel insurance India, employees of an organization can get coverage for both international and domestic trips.