Exclusive Benefits on 1st Comprehensive Motor Insurance Policy - At No Extra Premium
Protect your brand-new vehicle with a Comprehensive Motor Insurance Policy from The New India Assurance Co. Ltd. and enjoy a range of exclusive value-added benefits, thoughtfully designed to provide enhanced protection, greater convenience and complete peace of mind.
KEY BENEFITS INCLUDED
Important Notice: All benefits are subject to policy terms, conditions, limits, exclusions and underwriting acceptance
- Waiver of Compulsory Excess: Compulsory excess will be waived for the first at-fault claim during the first year, provided the claim is not a Total Loss and the vehicle is not driven by a young driver
- Loss of Use Cover: Up to 15 days per event, subject to a maximum of 45 days per policy year.
- Flood/Cyclone Extension: Protection against Storm, Tempest, Flood, Cyclone and Inundation.
- Riot, Strike & Malicious Damage Extension: Protection against Riot, Strike, Malicious Damage and Civil Commotion.
- Third Party Liability Cover: Third Party Bodily Injury Liability up to Rs 500,000,000 and Third-Party Property Damage Liability up to Rs 50,000,000 in respect of any one claim or series of claims arising out of one event.
- Personal Accident with Medical Expenses: Provides comprehensive protection for the Driver and Vehicle Occupants:
- Death & Permanent Total Disability: Rs 500,000 per occupant, including the driver
- Medical Expenses Reimbursement: Up to Rs 50,000 per occupant, including the driver
- Coverage is subject to the registered seating capacity of the vehicle
- Misfuelling Cover: Up to Rs 20,000 during the first policy year, without application of excess.
- Windscreen Extension: Up to Rs 25,000 for replacement of windscreen only during the first year, where only the windscreen is damaged, without application of excess.
- Personal Belongings Cover: Up to Rs. 20,000 for theft, loss or damage to personal belongings, including electronic items such as laptops and mobile phones, while inside the Insured Vehicle during the Policy period, limited to two (2) claims, without application of Excess.
- Airfreight Expenses: Up to Rs. 15,000 for additional airfreight charges incurred for importing replacement spare parts not readily available at the time of loss of or damage to the Insured Vehicle during the Policy period.
- Funeral Expenses: Up to Rs. 25,000 for reasonable funeral expenses necessarily incurred for the burial or cremation of the Insured Person within the Republic of Mauritius, where death results directly from an accident involving the Insured Vehicle and giving rise to a valid Own Damage claim under this Policy, payable to the legal representative upon production of a valid Death Certificate.
- Rodent Damage: Up to Rs 20,000 any one event / any one period of insurance, without application of excess. “Rodent” includes rats, mice and hamsters, and excludes cats and dogs.