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Magma HDI Comprehensive Car Insurance
As the name suggests, Magma Comprehensive Car Insurance provides complete coverage to the policyholder. This policy type offers full protection for both you and your vehicle by combining third-party liability cover with own-damage coverage.
Magma Comprehensive Car Insurance safeguards your car against accidents, theft, fire, natural disasters, and man-made events like riots or vandalism. It also includes personal accident cover for the owner-driver and gives you the option to add useful add-ons such as Zero Depreciation, Engine Protect, and Roadside Assistance.
Key Features of Magma HDI Comprehensive Car Insurance
With a strong network of cashless garages and a smooth claim process, Magma HDI’s comprehensive plan ensures wider coverage, financial security, and peace of mind every time you drive. Here are its more features:
- 01
Complete Coverage
Covers both third-party liabilities and own-damage, offering all-round protection for your car.
- 02
Protection Against Multiple Risks
Insures your vehicle against accidents, theft, fire, natural disasters, and man-made events like riots or vandalism.
- 03
Cashless Repairs Across India
Access a wide network of 4,000+ cashless garages for quick and hassle-free repairs.
- 04
Personal Accident Cover
Includes mandatory personal accident cover for the owner-driver, ensuring added safety on the road.
- 05
Useful Add-On Options
Enhance your plan with add-ons like Zero Depreciation, Engine Protect, Roadside Assistance, Return to Invoice, and more.
- 06
No Claim Bonus (NCB)
Earn attractive NCB discounts on premiums for every claim-free year, helping you save more on renewals.
- 07
Easy Online Purchase & Renewal
Buy or renew your policy online with a simple, step-by-step process and instantly receive your e-policy.
- 08
Smooth Claim Process
Offers quick claim assistance, simple documentation, and clear guidance to ensure faster settlement
Motor Insurance Plans By Magma HDI
What Does Magma HDI Comprehensive Car Insurance Cover and Not Cover?
What it Covers
Magma HDI Comprehensive Car Insurance offers broad protection for your car, third parties, and the owner-driver. Here are the common inclusions:
Damage to third-party vehicles and injuries caused to third-party individuals
Damage to your own car due to accidents or collisions
Loss or theft of your car due to man-made events such as burglary or vandalism
Damage caused by natural disasters like floods, storms, earthquakes, or falling objects
Personal Accident Cover for the owner-driver (up to the limit defined under policy terms)
Optional add-ons like Zero Depreciation, Engine Protect, and Roadside Assistance for enhanced protection
What Does it not Cover
Some damages and losses are not covered under Magma HDI’s comprehensive plan. Here are the main exclusions:
Driving without a valid licence
Accidents caused due to driving under the influence of alcohol or drugs
Damage or accidents occurring outside the geographical limits of the policy
Losses due to negligence, intentional harm, or attempted theft
Regular wear and tear or mechanical/electrical breakdown
Damage that occurs during racing, speed testing, or adventurous motor activities
Using a private vehicle for commercial purposes without valid permission
Claims made when the insurance policy has expired
Why Is Magma HDI Comprehensive Car Insurance Important?
A comprehensive plan from Magma HDI provides complete financial safety and wide protection for car owners. Here’s why it’s important:Covers your car and third-party liabilities
Protects your vehicle from damages and covers third-party injuries or property loss.
Financial protection
Saves you from paying high repair or medical expenses after an accident.
Protection from natural disasters and theft
Covers damages caused by fire, storms, floods, falling trees, and theft attempts.
Useful add-on options
Allows you to customise coverage with Zero Dep, Engine Protect, Consumables Cover, and more.
Cashless repairs
Access to thousands of cashless garages for quick and convenient repair services.
Peace of mind while driving
Ensures you’re protected from most unexpected expenses, letting you drive confidently and stress-free.
FAQs
It is a full-coverage policy that protects both your own car and third parties. It covers accidents, theft, fire, natural disasters, and many man-made damages.
It covers third-party liabilities, damage to your car, theft, fire, floods, storms, vandalism, and includes personal accident cover for the owner-driver. You can also add extra covers for more protection.
It does not cover damage due to drunk driving, driving without a licence, regular wear and tear, mechanical breakdowns, or claims made after the policy has expired.
Yes, you can choose add-ons like Zero Depreciation, Engine Protect, Roadside Assistance, NCB Protect, and Return to Invoice to increase your coverage.
Yes, Magma HDI offers NCB for every claim-free year, which reduces your premium at renewal. With NCB Protect, you can retain your bonus even after a claim.
A comprehensive policy covers your own car’s damage along with third-party liabilities, giving you wider protection, better security, and fewer out-of-pocket expenses.