L & T Car Insurance

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L & T Car Insurance

With car insurance becoming one of most basic requirements of car owners these days, a number of insurance providers are trying to be one step ahead of the game in this space. L&T, a known name in the general insurance space, provides car insurance plans that are an absolute delight for car owners in India. This company is known to provide a seamless experience with instant paperless renewals and quick claim settlements, thereby making it a chosen option by car owners in India.

Please Note: From August 23 2017, L&T General Insurance is HDFC ERGO General Insurance

Key Features of L& T Car Insurance


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Key Benefits of L&T Car Insurance

L&T Private Car Insurance Coverage

L&T Private Car Insurance Policy is to insure your car. This policy by L&T General Insurance covers Own Damage car insurance and also, Third-party liability insurance, which helps car owner at the time when needed – in case of any accident or mishaps.

Types of Coverage

Own Damage: This policy cover any damage or loss to the owner’s car due to any of the following things:

  • Accident Fire
  • Lightening
  • Self-Ignition
  • Explosion
  • Theft, Riots & Strikes and / or Malicious Acts and Terrorism
  • Earthquake, Flood Cyclone
  • Inundation Transit by Rail, Road, Air & Elevator

Third Party or Liability: As this policy is mandatory by the Motor Vehicle Act 1988, it is provided by L&T Private Car Insurance Policy which covers any property damages to the third party, with maximum amount Rs. 7,50,000 and injury or death asper liability.

Personal Accident Cover:The Owner of the vehicle who drives the car is covered for an amount of Rs. 200,000 in case of accidental death and Permanent total disability on a premium of Rs. 100.

Add-on Features of L&T Car Insurance

Non-Electrical Accessories Non-electrical accessories such as seat covers, alloy wheels can also be covered for loss or damage under this add-on cover.

Personal Accident Cover You have the option to purchase an additional personal accident cover for yourself and other passengers (upto maximum of 5). Each person can be covered for Rs 2,00,000

Paid Driver Cover Your paid driver is your employee and hence you are liable to pay for any injuries or damages he incurs while driving your car. To protect yourself against such liability you can obtain an additional cover for legal liabilities.

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Discounts offered by L&T Car Insurance

L&T General Insurance offers many attractive discounts that the policyholder can avail.

    No-Claim Bonus:The no-claim bonus is a discount offered on the next year’s premium. If you make no claims throughout the year, you are benefitted with the huge discount on the next year’s premium. If for the first year you made no claims you are offered with 20% discount on the second year premium and so on. It keeps on increasing. The following table will provide the details.

Car Insurance Companies Cashless Garages Network
One claim-free year
Two consecutive claim-free years
Three consecutive claim-free years
Four consecutive claim-free years
Five consecutive claim-free years

    Voluntary discounts: This discount is offered if you decide to pay the minimum amount of money at the time of claim.

    Other Discounts: L&T General Insurance offers other discounts provided you - a. Are a member of any recognized automobile association - b. Install an anti-theft device in your car

Exclusions of L&T Car Insurance

  • Your car insurance is valid for the use of car in India only, unless you have opted for the add on cover for geographical extension has been bought)
  • Any other financial loss sustained by the insured as a consequence of the accident.
  • Driving without a valid driving license is a cognizable offence. Any claim for accidental damage or liability caused by drivers without a valid driving license at the time of accident will not be accepted.
  • For your safety, we urge you not to drive when you are under the influence of liquor, drugs or intoxicants. Any claim for accidental damage or liability caused by drivers under such influence will not be accepted.
  • Any accidental damage or liability caused under any agreement pertaining to the vehicle which is not intimated to the Insurance Company.
  • The my:asset Private Car Package policy is for private use only. Hence any accidental damage or liability caused while the vehicle is being used for any purposes like hire or reward, Carriage of goods, Organized racing, Pace making, Speed testing, Reliability Trials, Use in connection with Motor Trade will not be accepted.
  • my:asset Private Car Package Policy covers you for damage to vehicle on account of accidents only. Therefore any expenses due to mechanical or electrical breakdown will not be covered.
  • Loss/damage encountered due to War invasion, Nuclear fission, Radioactive contamination

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How to Claim for L&T Car Insurance

Contact Details:

  • Website: www.myasset.ltinsurance.com
  • Email: care@hdfcgi.com
  • Toll-Free Number: 1800-209-5846
  • Required steps and supporting documents:

    a. In case of Car Accident Claims

    • Immediately contact L&T on their toll-free number 1800-209-5846
    • Lodge a claim with duly signed Claim Form
    • Copy of Driving License, RC book, Policy document
    • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
    • Original Repair Estimate Bill
    • In case of cashless service, only Invoice receipt
    • In case of reimbursement provide estimate bill, original invoice and payment receipt

    b. In case of Car Theft Claims

    • Immediately contact L&T on their toll-free number 1800-209-5846
    • Lodge the claim with duly signed claim form
    • Original keys with Copy of Driving License, RC book, Policy document
    • Police FIR copy
    • Duly signed Form 28, 29, 30 and Form 35.
    • Final confirmation with “No Trace Report” of the insured vehicle from the police

    c. In case of Third Party Claims

    • Immediately contact L&T on their toll-free number 1800-209-5846
    • Lodge the claim with duly signed claim form
    • Police FIR copy
    • Copy of Driving License, Policy and vehicle’s RC book

    Step-wise guide to claim:

    • 1. The first things to make a claim is to call on L&T General Insurance’s Toll-Free Helpline number - 1800-209-5846
    • 2. Take appointment with the surveyor and take your vehicle to any of L&T General Insurance authorized network garages for repair. Submit the require documents to the surveyor
    • 3. Company confirms liability
    • 4. If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable
    • 5. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement
    • 6. Vehicle Delivery

Review of L&T Car Insurance

Brand L&T is synonymous with quality service with reliable and quicker solutions. And now backed with HDFC Ergo, L&T Insurance still lives up to this vision. Backed with a strong network of cashless garages and prompt and unfailing customer service, L&T motor insurance should be on your list if you are looking for complete value for your money spent on premium.

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