Magma HDI Own Damage Car Insurance
Magma HDI Own Damage Car Insurance is a policy that protects only your car from various types of damage. It does not include Read More
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This cover helps you when your car is damaged due to an accident, fire, theft, vandalism, floods, storms, or other natural and man-made incidents. It also allows you to add extra covers like Zero Depreciation, Engine Protect, and Roadside Assistance to make your protection stronger.
In simple words, this policy ensures that your car stays protected, and you don’t have to pay heavy repair costs from your pocket when unexpected events happen.
Key Features of Magma HDI Own Damage Car Insurance
Here are the key features of the Magma HDI Own Damage Car Insurance policy:
- 01
Coverage for Your Car Only
Protects your vehicle from accidental damage, collisions, fire, theft, natural disasters, and man-made incidents like vandalism or riots.
- 02
Customizable Add-Ons
You can enhance your policy with add-ons such as Zero Depreciation, Engine Protect, Return to Invoice, Roadside Assistance, Tyre Cover, and Key Replacement.
- 03
Wide Cashless Garage Network
Offers access to 4,000+ cashless garages across India, ensuring quick, convenient repairs without upfront payments.
- 04
No Claim Bonus (NCB)
Earn discounts on premiums during renewal for every year you don’t make a claim, helping you save more.
- 05
Easy Online Purchase & Renewal
The entire process of buying or renewing can be done online with minimal documents and instant policy issuance.
- 06
Personal Accident Cover
Provides financial protection for the owner-driver in case of accidental injury or death, as per policy terms.
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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
Benefits of Future Generali Standalone Own Damage Car Insurance
Here are the benefits of the Future Generali standalone car insurance:- Protects your car from accidents, fire, theft, natural disasters, and man-made damage.
- Offers useful add-ons such as Zero Depreciation, Engine Protect, and Roadside Assistance.
- Provides No Claim Bonus (NCB) for every claim-free year, helping reduce renewal premiums.
- Covers transit damage during transport by road, rail, air, or water.
- Protects your car against incidents like riots, vandalism, and stone pelting.
- Pays the insured declared value (IDV) in case of total loss or theft.
- Ensures financial security, reducing out-of-pocket expenses and giving complete peace of mind.
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