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Kshema General Insurance

IRDAI Reg No. 162 | Category of Certificate of Registration: General Insurance | CIN: U66000TG2018PLC125484

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Kshema General Insurance Limited #413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana - 500016, India

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BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale.

Trade logo displayed above belongs to Kshema Capital Private Limited and is licensed to Kshema General Insurance Limited.

Kshema Private Car Liability Only Policy

Mandatory third-party liability cover for private cars that protects you from financial liability arising from third-party injury, death, or property damage due to an accident.

  • Covers third-party injury, death, and property damage, as per policy terms
  • Personal accident cover of INR 15 Lakh included for the owner driver
  • Up to INR 2 Lakh personal accident cover for unnamed passengers
A green private car beside a shield carrying a tick

What is Private Car
Liability Only Policy?

The Kshema Private Car Liability Only Policy safeguards you against legal liabilities arising from accidents involving your private car. It covers third-party injury, death, or property damage, while ensuring compliance with the Motor Vehicles Act, 2019.

  • Meets the mandatory legal requirement under the Motor Vehicles Act, 2019
  • Covers injury, death, or property damage caused to third parties
  • Includes personal accident coverage for the owner-driver
  • Includes personal accident coverage for unnamed passengers
A green hatchback under a shield carrying a tick

Why Choose Kshema
Private Car Liability Only Policy?

Third-party liability cover that fulfils the Motor Vehicles Act, 2019 mandate and provides financial protection to the owner-driver against third-party accident liabilities.

  • Legel Liability Cover

    Protects you from legal liability arising from death, injury, or property damage caused to third parties due to accidents involving your vehicle.

  • Includes Personal Accident Cover for Owner-Driver

    Provides compensation of up to INR 15 lakhs for the owner-driver in case of injury or death resulting from an accident.

  • Third Party Injury & Property Damage

    Covers compensation for third-party claims arising from death, injury, or property damage.

  • Covers Legal Representation

    Includes assistance with legal representation and proceedings related to claims covered under the policy.

Learn the Basics

Important Policy Details You Should Know

Understanding these common terms will help you make better decisions when choosing your car insurance policy.

  • Third-Party Insurance

    Covers damage or injuries caused to another person or property by your insured vehicle.

  • No Claim Bonus (NCB)

    A discount on premium for claim-free years

  • Own-Damaged Insurance

    Covers damage to your vehicle due to accidents, fire or natural disasters.

  • Premium

    The amount you pay for an insurance policy

  • Insured Declared Value (IDV)

    The maximum amount you will get in case of total loss or theft of your vehicle.

  • Deductible

    The amount you must pay before your insurance claim is processed.

Hassle Free Claims

How to File a Claim

Our seamless claims process ensures you get back on the road faster. Report, document, and track your claim entirely online with just a few clicks.

View Claims Process

FAQs

Request a Callback Now!

Need help with finding the best insurance solution? Our representative will guide you through the plans and help you buy a policy.

Policy Documents

  1. 1. ProspectusView 1. Prospectus
  2. 2. Proposal FormView 2. Proposal Form
  3. 3. Policy WordingsView 3. Policy Wordings
  4. 4. Customer Information SheetView 4. Customer Information Sheet
  5. 5. Frequently Asked QuestionsView 5. Frequently Asked Questions