Navi General Zero Depreciation Cover goes beyond the norm, allowing car owners to claim the full amount without factoring in the depreciated value of the vehicle. Unlike standard policies where the car’s depreciation diminishes the claim settlement, this unique add-on ensures you receive the complete claim amount, providing a comprehensive safeguard for your vehicle.

With Navi General, the Over and Above Insured Declared Value (IDV) cover goes the extra mile. If you make a Total Loss or Theft claim, it covers the difference between the IDV and the Invoice value of your new vehicle. The Invoice value includes the Ex-showroom cost, Road Tax, and Registration expenses. This means you get added protection, ensuring you’re covered beyond just the standard IDV.

Protects the NCB slab mentioned in the policy schedule if only one claim is reported during the policy period, excluding Theft and total Loss. In the case of vehicle theft, protection is available if a new vehicle is purchased and insured within 90 days of claim settlement.

Covers the cost of consumables required for replacement/replenishment as part of an admissible Own Damage claim. This is best done in any Navi General Car Accident Cashless Garages in Noida.

Covers loss or damage to Engine and transmission parts due to water ingress or engine seizure caused by the loss of liquids due to external impact.

Reimburses hospitalisation expenses for bodily injuries due to an accident to the vehicle, up to the sum insured mentioned in the policy.

Provides a fixed amount per day for each day of hospitalisation per person up to the seating capacity, following an accident to the insured vehicle, for a period of up to 5 days.

Provides additional personal accident benefits for the owner, occupants, and paid driver, respectively, in case of accidental death or permanent disability.

Offers a one-time payment of EMI/s of the insured vehicle if the insured is hospitalized for more than 7 days due to an accident involving the insured vehicle.

Provides payment of outstanding loan on the insured vehicle in the event of the insured’s death or specified permanent disabilities resulting from an accident within six calendar months of occurrence.

Provides fixed Conveyance Allowance per day if the time required to repair the vehicle exceeds 3 days, up to a maximum of 15 days after deducting reasonable time for repair not associated with the accident. To claim this, you should make sure you have gone to a Navi General Cashless Service Centre in Noida.

Claims for the repair of Glass/plastic/rubber/fibre/fibreglass/Nylon parts that will not affect the No Claim Bonus.

Covers loss or damage to personal belongings of the insured and occupants caused by covered perils while in the insured vehicle, up to the specified sum insured and per-item limit.

This covers the cost of an overnight stay in a hotel and/or travel expenses for returning to the place of residence if the insured car is not working due to an accident.

Covers the cost of replacement of Key and/or Lock if keys are lost or stolen or the insured vehicle is broken into.

Covers the cost of repair or replacement of Tyres with or without depreciation deduction, as opted by the insured.

Covers the amount of depreciation deducted on replacement of any damaged part/s and paint under an admissible own damage claim, up to the sum insured in the policy.

Provides breakdown assistance in cases of roadside repairs, such as flat tyres, engine trouble, or any other emergency situation that prevents the vehicle from running.