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L&T General Insurance is one of the recognized insurance company of India, (IRDA Reg. 146) and is now HDFC General Insurance Limited. L&T General Insurance offers car insurance policy under general insurance sub-category and the below are the details to help you to understand the policy offered.
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.
Own Damage: This policy cover any damage or loss to the owner’s car due to any of the following things:
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.
Persoanl 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.
L&T; General Insurance offers many attractive discounts that the policyholder can avail.
|No. Of Years||Discount|
|One claim-free year||20%|
|Two consecutive claim-free years||25%|
|Three consecutive claim-free years||35%|
|Four consecutive claim-free years||45%|
|Five consecutive claim-free years||50%|
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
Toll-Free Number: 1800-209-5846
Required steps and supporting documents:
a) In case of Accident
b) In case of Theft
c) In case of Third Party Claims
Step-wise guide to claim:
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
Company confirms liability
If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable
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
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.