MOTOR · Private Passenger CarUIN: NOT_FILED_DEMO
Kavach Private Car Comprehensive
Own Damage + Statutory Third Party Liability covering private 4-wheelers with No Claim Bonus scale.
Source & Provenance Metadata (POL-02.T2)
Source Type
DEMO_SYNTHETIC
Wording Version
v1.0.0
Effective Date
2026-11-01
Public view: SHA-256 and internal upload actors are redacted. Full provenance accessible to authorized compliance administrators.
Coverage Terms & Conditions
Extracted terms cross-referenced with official section anchors (§).
| Term / Benefit | Defined Value | Section Citation | Evidence Status |
|---|---|---|---|
| Cover Scope | Section I (Own Damage) + Section II (Third Party Liability) | §-1 ↗ | CONFIRMED |
| Insured Declared Value (IDV) | Depreciation schedule based on manufacturer list price | §-1-2 ↗ | CONFIRMED |
| Compulsory Deductible | ₹1,000 (cars ≤ 1500cc) / ₹2,000 (cars > 1500cc) | §-1-4 ↗ | CONFIRMED |
| Compulsory PA for Owner-Driver | ₹15,00,000 (statutory) | §-3-1 ↗ | CONFIRMED |
| Third Party Property Damage | Statutory cap ₹7,50,000 | §-2-2 ↗ | CONFIRMED |
| No Claim Bonus (NCB) | 20% (1 yr) to 50% max (5 yrs) | §-4-1 ↗ | CONFIRMED |
| Accident Notice Deadline | Within 24 hours of incident | §-5-1 ↗ | CONFIRMED |
Have questions on this policy?
Ask Claim Ji to check room rent eligibility, hospitalisation waiting periods, or claim steps.