L&T Third Party Insurance Covers
In addition to Third Party Liability cover, L&T Third Party Insurance may be covering various other things. There are L&T Third Party Insurance Terms and Conditions, under which L&T Third Party Insurance covers are active. Premium of the policy depends on what is covered in L&T Third Party Insurance. This policy does not provide personal accident cover for Owner and Driver of the car. L&T Third Party Insurance provides personal accident cover for co-passengers, as an optional add-on cover. Personal Accident cover is an insurance cover wherein, in the event of the insured person sustaining bodily injuries resulting solely and directly from an accident, resulting into death or disablement. In such case, company pays the amount stated in the policy to the insured, depending on extent of the injury. Some policies also provide an option to provide personal accident cover for named and unnamed passengers as well as the paid driver. Some car insurance plans also provide Medical cover, in which the company pays the medical expenses that you incur, while recovering from the injury caused due to car accident.L&T Third Party Insurance does not provide medical cover.
Cover for Accessories
Some car insurance policies also provide cover for accessories, not fitted by car manufacturer, in the car. The accessories are classified in two types, Electrical accessories and Non-electrical accessories. For some plans the cover for Electrical and Non-electrical accessories is present as an add-on option. L&T Third Party Insurance does not provide cover for electrical accessories. Some cars have CNG kit installed in them. L&T Third Party Insurance does not provide cover for the CNG kit.