Own Damage
Covers accidental loss or damage to your insured car arising from covered events such as accidents, fire, theft and specified natural or man-made perils.
Private Car Insurance
Drive With Confidence. Protected For The Road Ahead.
Private Car Insurance protects your car against accidents, theft, fire and natural calamities, and covers your legal liability to third parties. It helps you manage repair costs and drive with confidence.
Protection Against Accidental Damage
Third-Party Liability Protection
Protection Against Theft & Natural Perils
What Is Private Car Insurance?
Understanding Private Car Insurance
Private Car Insurance protects your vehicle against financial losses from accidents, theft, natural calamities and other covered risks. Whether it's damage, theft, fire or third-party liability, the right cover reduces the impact of unexpected events and keeps you moving with confidence.
What Does It Cover?
- Accidental damage to the insured vehicle
- Theft of the insured vehicle
- Fire and explosion
- Natural calamities
- Man-made events
Example:
If your car is damaged in an accident, the policy can cover the cost of repairs, subject to the applicable terms, conditions, deductibles and policy limits. In case of theft, the policy can provide compensation based on the applicable insured value.
Coverage Components
Comprehensive Protection for Your Car
Third-Party Liability
Provides coverage for your legal liability towards third parties for bodily injury, death or property damage arising from the use of your insured vehicle.
Theft Protection
Provides financial protection if your insured vehicle is stolen, subject to the policy terms and applicable insured value.
Natural & Man-Made Perils
Protects your vehicle against covered events such as floods, earthquakes, storms, riots, strikes and other specified perils.
Personal Accident Cover
Provides personal accident protection for the owner-driver, subject to the applicable policy terms, limits and conditions.
Add-On Protection
Enhance your motor insurance with suitable add-on covers based on your vehicle, usage and risk profile, subject to availability and policy terms.
Advisory Support
Protection That Moves With You
Every vehicle and driver is different. We help you choose the right cover and add-ons for your vehicle, usage and risk profile.
- 1.
Vehicle & Risk Assessment
We understand your vehicle details, usage, location and insurance requirements to identify the appropriate coverage.
- 2.
Policy Selection & Placement
Our specialists compare insurance options and help structure the policy with suitable coverage, deductibles and add-ons.
- 3.
Policy Issuance & Documentation
We coordinate the documentation and policy issuance process to ensure a smooth and hassle-free experience.
- 4.
Dedicated Claims Assistance
If an accident, theft or other covered loss occurs, our team assists with claims and coordinates with the insurer for timely resolution.
- 5.
Annual Policy Review & Renewal
We review your policy at renewal to ensure that the coverage continues to reflect your vehicle, usage and protection requirements.
Ready to Drive with Confidence?
Get the right protection for your car with a policy designed around your needs. Speak with our insurance specialists for a personalised Private Car Insurance assessment.
Frequently Asked Questions
Answers to Common Insurance Queries
IDV should reflect the vehicle's applicable market value, age, depreciation and eligible accessories or modifications, subject to policy terms. For high-value vehicles, accurate valuation is particularly important to avoid inadequate settlement in a total-loss scenario.
Covers such as zero depreciation, return to invoice, engine protection, roadside assistance and consumables can address exposures that standard motor coverage may not fully respond to, depending on the vehicle's age and usage.
Equirus Raghnall evaluates vehicle value, usage, accessories, claim history and required add-ons before approaching suitable insurers and negotiating the overall programme.
The comparison considers IDV, deductibles, add-on scope, exclusions, claim servicing, network support and insurer-specific terms to determine the most appropriate overall protection.
