Coverage
What's covered
Exact inclusions depend on the insurer and plan you choose. Below are the coverage items commonly available.
Accidental damage
Theft / snatching
Fire damage
Natural calamities
Third-party bodily injury
Third-party property damage
Loss/damage to factory-fitted accessories
Total loss
Genuine parts replacement
Claim assistance
Roadside assistance
What's typically not covered
Common exclusions include consequential loss and damage caused by driving under the influence. Full exclusions are listed in each policy's terms and conditions.