Private Car Insurance FAQs

You can check all your car insurance details in your policy documents. You can also login to our website or IL Take Care app to check the below details:

• Policy number
• Policy start and end date
• Policy type (Comprehensive/OD only/TP only)
• Engine & chassis number

Road Side Assistance is a cover that provides you with the necessary help in case you are stranded on the road when your car breaks down. For example, breakdown cover may include jump starting an automobile, towing a vehicle, changing a flat tyre, providing a small amount of fuel when a car runs out of it, or helping people locked out of their cars. Please refer to the policy wordings for terms and conditions.

Usually, when you file a claim under your car insurance policy, you have to pay for the cost of depreciation of your car parts. If you opt for Zero Depreciation add on cover (by paying additional premium), we will cover all the repair/replacement costs without factoring the depreciation element.

The following costs are covered under ZD:

Repair and replacement costs of fiber part, rubber, batteries, air bags, nylon and plastic parts, denting, painting, and fibre glass.

It is an add-on, available by paying additional premium. It pays for repair or replacement of an engine, damaged due to water ingression/leakage of lubricating oil.

This add-on cover secures your car keys and locks against theft or damage. It pays for repair or replacement of lost or damaged keys and locks, including locksmith charges. You can opt for this cover in your policy by paying a nominal additional premium.

It is an add-on, available by paying additional premium. If your car is under repair in an authorised garage after an accident, we pay a fixed daily allowance. You can use it for alternative transport. Please refer to the policy wordings for terms and conditions.

Yes, we do cover as per terms and conditions.

Cashless claim: Under the cashless claim facility, we pay our share of the vehicle repair charges directly to the garage, provided the vehicle is repaired in our network garage. Non-cashless/Reimbursement: If the vehicle is repaired in a garage outside our network's purview, you will have to pay the repair charges to the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.