Fortune Mantra - Insurance Detail

Premium starts

at ₹2072*

7100+ Cashless

Network Garages

Overnight Car

Repair Services

4.4 Customer

Ratings

Plans that suit your car insurance needs the best

Single Year Comprehensive

Third-Party Cover

Stand Alone Own Damage Cover

Protection Shield for Brand New Cars

With a single-year comprehensive car insurance policy, you can easily stay protected against any damages done to both your own car and third-party belongings. It will also cover you against any theft, fire, accident, or natural calamities. Besides, with H&M’s single year comprehensive insurance policy, you can enjoy the ease of seamless add-ons to increase the value of your purchase further.

Inclusions and exclusions in your comprehensive car insurance policy

What is covered?

What is not covered?

Accidents

Our comprehensive car insurance policy covers damages or losses caused to your car due to road accidents or collisions.

Fire & Explosion

If any damage happens to your car due to fire or an explosion, we cover the financial loss of repairing it.

Theft

In case of theft, you will receive complete coverage from us, whether your vehicle is old or new.

Calamities

Natural calamities like cyclones, floods, or earthquakes are covered under our policy.

Personal Accident

We cover injuries, disablement, or death of the owner due to unforeseen road circumstances.

Third Party Liability

Any physical injury, property damage, or death caused to third parties is covered.

Depreciation

Wear and tear due to aging are not covered under our comprehensive policy.

Machinery Breakdown

Mechanical or electrical breakdowns are not included in our coverage.

Personal Damages for Third-Party Policyholders

Damages to your own vehicle are not covered if you only have third-party insurance.

Illegal Driving

Driving under the influence or without a valid license will void coverage.

Driving Without a Valid License Holder

Driving without a qualified license holder present will void coverage for damages.

Consequential Damage

Any damages not directly resulting from the accident are not covered.

Choices of add-on covers to enhance the value of your standalone own-damage car insurance

Return to Invoice

Enjoy the exclusive benefit of recovering the invoice value of your car when it is stolen or damaged beyond repair.

Downtime Protection

Stay worry-free financially even when your car undergoes a repair. Downtime protection add-on will cover all your daily travel expenses when your car gets repaired in the garage.

Engine and Gear Box Protection

A car’s engine replacement can cost almost 40% of its cost. So, get financial coverage for the losses incurred due to your vehicle’s engine and gearbox damage and enhance its life.

Zero Depreciation Cover

Your car's value depreciates every year. So, to negate the depreciation charges of your car and its parts, opt for zero depreciation add-on cover and get total monetary value during a claim.

No Claims Bonus Protection

Would you like to get appreciated for having a claim-free year of your car insurance? Then No Claims Bonus Protection is the right add-on for you to earn a significant discount on your premiums.

Emergency Assistance Cover

Get 24x7 emergency assistance to deal with any technical or breakdown issues of your car. Reap the benefits of towing, tyre change, lost key assistance, mechanic arrangement, etc., with this add-on!

Frequently Asked Questions (FAQ)

Yes, as per the Motor Vehicles Act 1988, you must have a car insurance policy with a minimum of third-party liability coverage to drive legally on the roads of India. If you are caught driving without third-party cover, you will either be fined ₹2000 or face a jail term of up to three months.

As per Indian laws, if you own a car and possess a valid driving license, you can easily buy an insurance policy for that car.

Yes, you can convert your third-party car insurance into a comprehensive insurance policy during the time of your policy renewal.

There is no specific limit for registering a car insurance claim under an ongoing policy period. However, you can only claim after the consolidated claim amount reaches the Insured Declared Value (IDV) of the car.

No, the No Claim Bonus (NCB) will only apply to your standalone own-damage car insurance policy. Therefore, if you have only third-party liability coverage, you will not receive the NCB discount.

You can now secure your car before your favourite song gets over, in less than 3 mins!

Buy CAR insurance NOW!

Fortune Mantra Insurance Services Provider

Get Car Insurance to Insure Your Ride!

Premium starts

7100+ Cashless

Overnight Car

4.4 Customer

Plans that suit your car insurance needs the best

Single Year Comprehensive

Third-Party Cover

Stand Alone Own Damage Cover

Protection Shield for Brand New Cars

Inclusions and exclusions in your comprehensive car insurance policy

Accidents

Fire & Explosion

Theft

Calamities

Personal Accident

Third Party Liability

Depreciation

Machinery Breakdown

Personal Damages for Third-Party Policyholders

Illegal Driving

Driving Without a Valid License Holder

Consequential Damage

Choices of add-on covers to enhance the value of your standalone own-damage car insurance

Return to Invoice

Downtime Protection

Engine and Gear Box Protection

Zero Depreciation Cover

No Claims Bonus Protection

Emergency Assistance Cover

Frequently Asked Questions (FAQ)

You can now secure your car before your favourite song gets over, in less than 3 mins!

Fortune Mantra - Insurance Solutions

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Brands

Categories:

Size:

Price:

Fortune Mantra Insurance Services Provider

Get Car Insurance to Insure Your Ride!

Premium starts

7100+ Cashless

Overnight Car

4.4 Customer

Plans that suit your car insurance needs the best

Single Year Comprehensive

Third-Party Cover

Stand Alone Own Damage Cover

Protection Shield for Brand New Cars

Inclusions and exclusions in your comprehensive car insurance policy

Accidents

Fire & Explosion

Theft

Calamities

Personal Accident

Third Party Liability

Depreciation

Machinery Breakdown

Personal Damages for Third-Party Policyholders

Illegal Driving

Driving Without a Valid License Holder

Consequential Damage

Choices of add-on covers to enhance the value of your standalone own-damage car insurance

Return to Invoice

Downtime Protection

Engine and Gear Box Protection

Zero Depreciation Cover

No Claims Bonus Protection

Emergency Assistance Cover

Frequently Asked Questions (FAQ)

Is it mandatory to have car insurance in India?

What is the eligibility to purchase a car insurance policy?

Can I convert my third-party car insurance to a comprehensive insurance policy?

How many times can I opt for a car insurance claim in a year?

Will No Claim Bonus get applied to third-party car insurance?

You can now secure your car before your favourite song gets over, in less than 3 mins!

Fortune Mantra - Insurance Solutions

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Categories:

Size:

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