Search
 
   
 
   
 
  New user? Sign up Now
  Forgot Password?  
 
 
PRODUCT INFO

Browse through the various insurance and investment products

Click here
 
HOW TO'S

Check out these pages that provides you step by step procedure for various policy related tasks.

Click here

FAQ'S

Visit our FAQs section which helps you answer those little questions related to your policy.

Click here
 

Non Life Insurance

 Refer this page to a friend   Print preview

Are accessories and extra fittings of the vehicle covered under the comprehensive motor insurance policy?

Accessories are generally those parts which are directly supplied by the manufacturer along with the vehicle. But they are not essential for the running of the vehicle. The engine of a vehicle is essential for its running and obviously not an accessory. A spare tyre, is however an accessory. Loss or damage to accessories are covered only if they are on the vehicle.

In case the accessories are detached from the vehicle and kept in a garage and are destroyed by fire, they are not covered. Radios, tape recorders, air conditioners and other electrical or electronic items are fitted by vehicle-owners. These cannot be considered as accessories. These items qualify as extra fittings and the owner has to specifically describe and mention separate values towards them at the time of insurance.

Only on payment of the requisite additional premium, can they be covered. However, if such items are built-in and supplied by the manufacturer, will be treated as accessories and need not be separately insured.