Kotak Liability Only Private Car Policy

• Cover for bodily injury/death to third party
• Cover for property damage to third party
• Personal Accident Cover for Owner cum Driver
• Add-ons/Riders to enhance coverage
• Enjoy cashless claims settlement at network garages

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner-driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakh is payable towards personal accident cover during any one period of insurance.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Personal Accident Cover: Personal accident cover is available for paid drivers, cleaners and conductors. This add-on also provides cover for insured or any named/unnamed person other than paid driver or cleaner. It also covers unnamed hirer and unnamed pillion passengers.
• Legal Liability: Legal liability cover for paid driver, conductor and cleaner employed in connection with the operation of the insured vehicle. This add-on also provides cover for other employees of the insured.

Following are the conditions that are not covered under this policy:

• Consequential loss
• Depreciation, wear and tear
• Drunken driving
• Vehicle is used outside the geographical area
• Driven by a person other than stated in the driver’s clause
• Vehicle being used otherwise than in accordance with the limitations specified
• Radioactivity from any nuclear fuel or nuclear waste
• War perils, nuclear perils, etc.