Phase ‘0’ Introductions

1. Depreciation Reimbursement

2. Repair of glass, fiber, plastic and

rubber parts
3. Loss of personal belongings
4. Emergency transport and hotel
expenses
5. Key Replacement
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Depreciation Reimbursement
Avail Full Claim
Claim
Values
Otherwise

Fibre Glass Rubber/ Nylon

-30% -50% 3
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1. Depreciation Reimbursement..
Real Cashless

Offers full claim on the value of parts replaced

without any deduction for depreciation

Normal Depreciation Practice Dep. Rate

Rubber, nylon/ plastic parts, tyres, tubes,
50%
batteries and air bags
Fibre glass components 30%
Rest all parts including Wooden parts

Vehicle Age <6 m 6m<1yr 1<2yr 2<3yr 3<4yr 4<5yr 5<10yr >10yr
Dep Rate Nil 5% 10% 15% 25% 35% 40% 50%

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1. Depreciation Reimbursement..
Real Cashless

Available: For all vehicles

• aged 3 yrs or less
• having 2 or less claims during the period of insurance
• repaired in any of our KPG Garages

Note: Voluntary and Compulsory Excess are deductible as per normal practice

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5. Repair of Glass, Fiber, Plastic & Rubber Parts..

Reduce out of pocket expenses

Offers no affect on NCB if a claim for only

glass/ plastic/ rubber/ fiber parts for
repairs rather than replacement is opted
Available
•For claims repaired at KPG Garages
•When there are no other claims for damage to the vehicle

Rate:
Completely free

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6. Loss of Personal Belongings..
Extra Care

Offers to pay for the loss or damage to

personal belongings caused by perils
mentioned under section 1 of the policy while
in the vehicle at the time of loss or damage to
the vehicle.
Available
• Personal belonging means personal baggage carried in the vehicle
• Sum Insured choices Rs. 50,000/- and Rs. 10,000/-
• Compulsory Excess- Rs. 250/-
• Only along with a valid claim arising out of the same accident
Excludes
• money, securities, cheques, drafts, credit or debit cards, jewelry, lens,
glasses, travel tickets, watches, valuables, manuscripts, paintings, goods in
trade or samples and items of similar nature
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6. Loss of Personal Belongings

Additional requirements
•A police report must be filed for claims arising out of burglary, house-
breaking or theft.

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7. Emergency Transport And Hotel Expenses..

Reduce out of pocket expenses

Offers to pay the cost of overnight stay and taxi

charges for returning back to the place of
residence or the nearest city if insured vehicle has
met with an accident and can not be driven
Available
• Only along with a valid claim arising out of the same accident
• Sum Insured choices Rs. 50,000/- and Rs. 10,000/-
Limits
• Per occurrence claim limit of 50% of SI

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8. Key Replacement
Reduce out of pocket expenses
Covers the cost (locksmith cost) to replace
vehicle keys if the same are lost/stolen and
locks and keys both if the vehicle is broken into.
Available
Even if there is no valid claim under policy
Sum Insured choices Rs. 65,000/- and Rs. 25,000/-

Limits
Per occurrence claim limit of 50% of SI

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Thank You

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