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L&T Car Insurance: Reviews, Coverage and Benefits

L&T General Insurance Company Limited (IRDA Reg. No. 146) needs no preface. It is powerfully backed by one of the most reputed brands in the world - Larsen & Toubro Limited.

L&T Insurance is devoted to offer equal level of services in insurance segment that the parent company has set the standards for. Armed with a very sound vision to be distinct in character, caliber and capability, the company claims to bet on their prudent underwriting team.

L&T Insurance’s my: asset Private Car Package Policy brings to table the option of picking from an extensive range of coverages and deductible preferences. The plan is tailor-made to shield your car in case of any damage or loss due to any unpredictable mishap or accident.

Types of Coverage

Own Damage: The policy offers you coverage against any loss or damage to your car due to:

  • Accident by external means.

  • Burglary or Theft of the vehicle Fire, Explosion, Self-Ignition, Lightning.

  • Terrorist Attacks, Riots, Strikes, Malicious Acts.

  • Whilst the vehicle is being conveyed by road, rail, inland waterways, air or lift.

  • Earthquake, Floods, Storms, Landslides or Rockslides.

Third Party Liability: Any third party injuries or property damage involving your car.

Personal Accident Cover: In the event of accidental death or Permanent Total Disability, the owner of the vehicle who drives the car is covered for an amount of Rs. 2,00,000.

Useful Add-on Features

To top up the basic car insurance policy, at an additional premium, L&T offers certain add-on features for an extensive coverage.

  • Non-electrical accessories such as seat covers, alloy wheels can also be insured for loss or damage.

  • An additional personal accident cover for can be purchased for yourself and other passengers (up to maximum of 5). Each person can be covered for Rs. 2,00,000.

  • As your paid driver is your responsibility, you are liable to pay for any injuries or damages he suffers while driving your car. To protect your back in case of such obligation you can opt for an added cover for legal liabilities.

Discounts Offered

L&T car insurance offers the below discounts that can significantly trim your premiums.

  • NCB Discount: Can be availed on own damage premium depending on your claim-free driving history.

  • Installing Anti-Theft Devices: Anti-theft devices, approved by ARAI, attracts extra discounts on the premium.

  • Membership of AAI: Membership of any Automobile Association of India wins brownie points.

  • Opting for Voluntary Deductions: Higher you opt for the Voluntary Excess, lower will be your premium.

Be Cautious about Exclusions

While L&T car insurance policy is well designed to protect you against any financial liabilities involving your car, there are certain scenarios that the insurance company will not pay for.

  • Any loss occurred due to normal wear and tear of car.

  • Consequential losses.

  • Loss or damage caused outside the geographical area.

  • Loss or damage caused to the car while using it outside the limitations of its use.

  • Intoxicated driving.

  • Disobey of traffic rules

Need to Claim? Here’s how to..

  • Intimate the claim on L&T Insurance’s Toll Free No. 1-800-209-5846 .

  • For cashless service, you need to get your car repaired at a garage within the network of L&T Insurance .

  • If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurer .

Coverfox Review

Brand L&T is synonymous with quality service with reliable and quicker solutions. L&T Insurance lives up to this vision. Backed with a strong network of cashless garages and prompt and unfailing customer service, L and T motor insurance should be on your list if you are looking for complete value for your money spent on premium. The plan on offer is far-reaching to provide you that much needed financial respite at crucial times.

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