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For assistance with claim related queries in the CYCLONE affected regions of Tamil Nadu, Andhra Pradesh, and Kerala, please click here

Motor Secure Premium

​​ The Motor Secure Plus cover includes Nil Depreciation, Consumables & Engine Cover.

1. Nil​ Depreciation -

  • In the nil depreciation cover, you can easily get rid of the 'depreciation factor' of your vehicle parts . This add-on covers private cars, with a maximum of two claims in one car ​insurance policy​ period.

    • Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable, if you have opted for it

2. Consumables –​


In the Consumables Add on cover, co​nsumable items ( nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil), are covered on approved partial loss claims.

• This add-on covers private cars, with a maximum of two claims in one motor policy period

3. Engine Protector –


With this add-on, we cover you for expenses incurred while fixing indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to :

• Engine Parts
• Differential Parts
• Gear Box Parts​


4. Key Protect Cover-


With this, we cover the expenses you make while repairing or replacing your car keys and / or locks and / or lockset, including the locksmith's charges.

Things to consider when you opt for this add on:

​• The coverage will be available only for a maximum of two claims during your motor insurance policy period.

• A claim resulting from burglary or theft should be supported by a First Information Report (FIR) with the police.

• The replaced keys / lock / lockset is of the same nature and kind as the one for which the claim has been made.

• The loss or damage to the keys / lock / lockset is reported to us within 7 days of the loss or damage.

•​ Replacement of key(s) will be allowed for broken or damaged keys only.

In case of theft or misplacement of key(s), the entire set comprising of key, lock and lockset will be replaced, subject to the handing over the other key(s) to us.​​

**In case of partial loss, we will settle a claim made for the insured car only if it is repaired by/ at one of our authorised dealers or workshops