Insurance is the science of transforming uncertainty to ‘certainty’. It is about meticulous planning for a better life. Insurance can bring certainty into your life, especially when it comes to your enterprise, and shielding it against natural disasters or otherwise.

Safeguarding your livelihood is your first priority, to continue living the life you want to and move on to better things. And for you, your vehicle is the means of your livelihood; its safety through the years will not only guarantee a better life but also a brighter one.

L&T Insurance presents my:jeevika Commercial and Miscellaneous Vehicles Package Policy

my:jeevika Commercial and Miscellaneous Vehicle Package Policy are comprehensive solutions that will not just protect your business vehicles against damages , but will also endeavor to ensure that even after such an event, you continue to focus on your business!

1. Loss of or Damage to your vehicle
   It provides for the loss of your vehicle or any damage caused to it owing to any of the following events
• Accident by external means
• Burglary or Theft of the vehicle*
• Fire, Explosion, Self Ignition, Lightning
• Terrorism, Riots, Strikes, Malicious Acts
• Whilst the vehicle is being conveyed by road, rail, inland waterways, air or lift
• Earthquake, Flood, Storm, Landslide or Rockslide etc
  
  
2. Liability to third parties
   The policy would also cover your legal liability arising out of an Injury / Death of a third party and Property Damage of a third party incase of an accident involving your vehicle.
   
   
3. Personal accident cover for the owner-driver
   The policy also provides for a mandatory Personal Accident Cover for Owner Driver covering Accidental Death and Permanent Total Disability.

By paying an additional premium, you can opt for additional cover for:

• Loss of / or damage to electrical accessories
• Loss of /or damage to Non-electrical accessories
• Additional Personal Accident cover for you or any named person or unnamed passengers
• Legal liability to your employees (paid drivers, cleaners and conductors)

Commercial Vehicle is any vehicle that is used to generate income. There are 2 types of commercial vehicle namely:

• Goods carrying vehicles such as tempos and trucks.
• Passenger carrying vehicles such as taxis, buses and vans

Miscellaneous Vehicles are vehicles such as excavators, mobile plants, agricultural tractors,
ambulances, lawn movers etc.

1. If you haven’t registered any claim in the previous year of insurance, you are eligible for a NO CLAIM BONUS. This bonus accumulates over a period of time.
• You could choose to retain the NCB of your sold Two Wheeler and transfer it to your new Two Wheeler. Or
• You could also transfer the benefit of the NCB from your previous insurer, when you choose to insure with us.
2. You may opt for a higher Voluntary Excess
3. You are eligible for a discount if you:
   • Are a member of/affiliated to any approved automobile association.
   • Have installed an anti-theft device in your Car.

• Normal wear and tear of the vehicle
• Consequential loss or depreciation of the vehicle* The policy covers use of the vehicle for any purpose other than limitations of use
• Any claim if the driver is without a valid driving license at the time of accident
• Any claim If the person driving the vehicle is under the influence of drugs, liquor or any other intoxicants at the time of accident
• Vehicle being used outside the geographical boundaries of India at the time of accident
• Any liability for loss of, or damage to accessories by burglary or theft unless the vehicle is stolen at the same time

For over 7 decades, across industries, the L&T Group has practiced and perfected the art of providing incisive solutions and its precise delivery. Keeping the tradition alive, we have built a state of the art, technologically driven company that has the caliber and expertise to provide world class customer service.

Our unique product benefits coupled with seamless customer support will give you the L&T Insurance Advantage.

• Instant policy issuance
• Claims assistance on all days (between 7AM to 11PM on our Toll free Helpline 1800-209-5846)
• Dedicated team to provide support and technical assistance

1. Ensure that you take your vehicle to the nearest Garage or an authorised garage
2. You will need to call our Toll Free helpline on 1800-209-5846 to report damage or visit the nearest branch
3. You will be required to submit the completed claim form along with an estimate of the loss to us.
4. We will arrange for inspection of the damaged items to assess the loss.
5. You can start the repairs to your vehicle after the surveyor authorises the repairs based on the terms and conditions of
   the policy.
6. In case the accident involves any third parties, you will have to register an FIR with the police station nearest to the accident spot
7. In case of larger claims, you may also be willing defend a legal case. In such a situation, the compensation claim will be decided by the civil courts.

After you have lodged a claim, you will be given a unique Claim Reference Number, which can be used as a reference number every time you call us or email us with respect to the claim. Subsequently, we will get in touch with you, to guide you further through the process

List of documents required

1. Copy of your valid policy document
2. Completed claim form
3. Estimate/Quotation of Repairs
4. Bills/Receipts
5. Attested copy of RC book, driving license

Additional documents in case of theft claims

1. FIR copy
2. Final police investigation report/Judicial magistrate report
3. RTO form 29&30 duly filled
4. RTO form 35 and NOC from financer (if the stolen vehicle was under finance) .