Compulsory owner-driver personal accident cover has a maximum capital sum insured of ₹15 lakh. Compensation is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, 50% for loss of one limb or sight of one eye, and 100% for other permanent total disablement.
Not published for the insured person. The official page is vehicle-focused and sets owner-driver cover by registered ownership and an effective driving licence
it does not state a minimum or maximum age for purchasing the private-car policy.
The period of insurance is the period stated in the policy schedule
the reviewed wording does not publish one universal duration for every quotation.
The quotation premium is stated in the policy schedule and varies with the selected cover. On cancellation, the wording retains at least ₹100 (or ₹25 for vehicles specifically designed or modified for blind, handicapped or mentally challenged persons), subject to the short-period retention table.
No general waiting period is stated for the base private-car package cover. Certain optional covers have their own activation restrictions
for example, Engine Secure excludes loss or damage occurring within the first 15 days of policy inception.
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The Tata package covers accidental, fire, theft, riot/strike, natural-calamity, terrorist/malicious-act, landslide/rockslide and transit loss or damage to the insured vehicle, plus third-party bodily-injury/death liability and up to ₹7.50 lakh third-party property-damage compensation.
The package excludes losses outside the geographical area, contractual liability, use outside the stated limitations or by an unauthorised driver, consequential loss, nuclear contamination or weapons, and war, invasion, hostilities, civil war, mutiny, rebellion or usurped power. Add-ons also carry specific exclusions such as unauthorised repairs, invalid own-damage claims, wear and tear, manufacturer warranty/recall losses, and alcohol or drug-related incidents.
The vehicle's Insured Declared Value () is the sum insured for own-damage and is fixed at commencement of each policy period
standard owner-driver personal-accident cover is available up to ₹15,00,000. Third-party death, bodily injury and property damage are covered subject to the policy schedule and law.
No customer-age entry rule is published for this vehicle policy
eligibility is tied to the insured two-wheeler, its owner-driver and the policy schedule.
The period of insurance is the period stated in the policy schedule
the wording permits a policy year where the period exceeds one year and does not publish one universal duration for every quote.
The premium is the amount shown in the policy schedule and is quote/vehicle-specific
the reviewed page and base wording do not publish a universal purchase premium or tariff.
No general waiting period is published for the base two-wheeler package cover. The cover operates during the period of insurance
add-ons and claim conditions remain subject to their individual wording and schedule.
The policy offers mandatory liability-only cover for third-party property damage, bodily injury and death, plus owner-driver personal accident cover, and a comprehensive package covering own damage, third-party liability and owner-driver accidental death or permanent/temporary disablement.
The policy excludes consequential loss, depreciation/wear and tear, mechanical or electrical breakdown, tyre/tube loss unless the vehicle is damaged at the same time (then limited to 50% of replacement cost), accessory theft unless the vehicle is stolen at the same time, use outside the stated limitations or by an unauthorised driver, intoxicated driving, nuclear risks, war/hostilities and losses outside the geographical area.
Cholamandalam MS General Insurance Company Limited
Compulsory personal-accident cover compensates up to ₹15 lakh for accidental death or disability of the registered owner-driver while driving or getting into or out of the insured vehicle, provided the owner holds an effective driving licence.
Not published for the insured person. CholaMS's official Bank of Baroda page covers vehicle classes and says compulsory owner-driver personal-accident cover requires the registered owner to hold an effective driving licence
it does not provide an age threshold.
Motor insurance policies are annual policies renewed after twelve months
with approval of the competent authority, the policy period may be longer or shorter than twelve months.
The premium is quote-based: CholaMS says it is calculated using the vehicle's make and value, year of manufacture, registration state and other risk factors
the page does not publish a universal amount.
No general waiting-period duration is published on the official page. The page describes own-damage, third-party and add-on cover, with activation and claim conditions governed by the selected policy schedule and wording.
The lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.
For third-party cover, claims are subject to the accident not being deliberate and the driver not being under the influence of alcohol or drugs. Own-damage and add-on exclusions remain subject to the selected policy wording and schedule.
Four medical-cover limits are published for each destination option: USD 50,000, USD 1,00,000, USD 2,50,000 and USD 5,00,000. The selected plan also sets separate accident, baggage, passport, delay, cancellation and liability limits.
Any permanent resident of India above 6 months of age who is travelling abroad for work or leisure can take this overseas travel insurance.
The policy is issued for the insured overseas trip, with published trip-duration bands from up to 4 days through 148–180 days. An extension may be requested before expiry on payment of additional premium and a good-health declaration
up to two extensions are permitted, for a maximum total coverage period of 360 days.
Premium varies by destination, plan (USD 50,000/1,00,000/2,50,000/5,00,000), traveller age and trip duration. The current published tables quote premiums in rupees including 18% tax. Examples for up to 4 days: /Canada Plan A1 (USD 50,000) ₹535 for age 6 months–40 years, Plan B1 (USD 1,00,000) ₹668, Plan C1 (USD 2,50,000) ₹703 and Plan D1 (USD 5,00,000) ₹878
excluding /Canada, the corresponding examples are ₹307, ₹385, ₹459 and ₹805. The tables continue through 148–180 days and ages 6 months–70 years.
No separate waiting-period duration is stated on the reviewed Bank of Baroda page, current Star Health page, 2026 prospectus or linked policy wording. Cover is described for medical emergencies and travel events during the insured overseas trip shown in the policy schedule
no waiting period has been inferred.
Star Travel Protect covers overseas emergency medical expenses, medical evacuation, repatriation of mortal remains, accidental injury compensation, dental emergency after an accident, loss or delay of checked baggage, passport loss/replacement, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.
Major exclusions include travelling against medical advice
treatment for a pre-existing condition
travelling to obtain medical treatment
winter sports or dry ski slopes
manual work
riot/civil commotion
war, terrorism and nuclear/radioactive events
racing, motor rallies, mountaineering, rafting/white-water, underwater activities, professional or organised sports and hazardous pursuits
suicide or wilful self-injury
mental disorder, venereal disease, alcoholism, drunkenness or non-prescribed drugs
criminal or illegal acts
/-related claims
pregnancy claims outside the stated timing condition
losses increased by the insured's act or omission
two-wheeler accidents where the driver is unqualified, unlicensed or riding a vehicle of 125 cc or more
property/land ownership, consequential loss, bankruptcy/liquidation, congenital anomalies and other policy-wording exclusions.
For own-damage and total-loss claims, the vehicle's Insured's Declared Value () is the sum insured. Third-party bodily injury/death liability is the amount required by the Motor Vehicles Act
third-party property damage is ₹1,00,000 for scooters/motorcycles (the schedule also allows ₹6,000 where applicable). Owner-driver personal-accident cover is up to ₹1,00,000 for one policy period.
Not applicable as a published person-age rule for this vehicle policy. Eligibility is tied to the registered owner/insured vehicle
the reviewed page does not state a minimum or maximum insured-person age.
Available options include annual package, annual liability-only, 2/3-year package, 2/3-year liability-only, five-year liability-only and five-year package policies for new vehicles, plus bundled one-year own-damage with five-year liability for new vehicles purchased on or after 1 September 2018.
Not published as a fixed amount on the reviewed Bank of Baroda page. The premium depends on the vehicle, policy type/term, registration details, own-damage cover, add-ons and applicable insurer tariff
the page only states that add-on covers require extra premium.
No separate waiting period is published. The package policy responds to covered loss or damage occurring during the policy period shown in the policy schedule
compulsory deductible and policy conditions still apply.
Liability-only cover provides unlimited third-party death/injury liability and third-party property damage up to ₹1 lakh for scooters/motorcycles. Package cover additionally protects the insured vehicle and accessories against fire, explosion, self-ignition, lightning, burglary, housebreaking and theft.
Exclusions include consequential loss, depreciation, wear and tear, mechanical/electrical breakdown, tyre/tube damage unless the vehicle is damaged at the same time (then liability is limited to 50% of replacement cost), accessory theft without simultaneous vehicle theft, driving under the influence, use outside the geographical area or stated limitations, contractual liability, nuclear risks and war-related events.
Bank of India distributes the policy and does not underwrite the risk.
Own-damage sum insured is the vehicle’s insured declared value () shown in the policy schedule
no universal or owner-driver capital-sum amount is published on the reviewed BOI summary.
No customer-age entry rule is published
eligibility is tied to the insured two-wheeler, owner/driver, registration and policy schedule.
The period of insurance is the period stated in the issued policy schedule
no universal duration is published on the reviewed BOI page.
Premium is quotation-specific and depends on vehicle details, , location, compulsory/higher deductibles and selected add-ons
no universal premium amount is published on the reviewed BOI page.
No general waiting-period duration is published on the reviewed BOI summary
add-on and claim conditions are controlled by the current policy wording and schedule.
Third-party bodily injury and property damage, legal liabilities, compulsory owner-driver personal accident, accidental damage, theft, natural disasters, man-made calamities, fire and explosion, and transit damage by road, rail, air or inland waterways.
The complete exclusions schedule is not reproduced on the BOI summary
consult the linked policy wording and prospectus for use restrictions, deductibles, wear/breakdown and other exclusions.
Bank of India distributes the policy and does not underwrite the risk.
The insured vehicle value and own-damage limit are set in the vehicle-specific policy schedule
no universal amount is published on the BOI summary page.
Eligibility is tied to an insurable private car and its registration/vehicle details
no separate customer age threshold is published on the reviewed page.
No universal policy-term number is published on the reviewed product page
term follows the vehicle policy schedule and applicable motor-insurance rules.
Premium is vehicle-, cover-, add-on- and schedule-specific
no universal amount is published on the reviewed BOI page.
No waiting-period schedule is published for this motor policy on the reviewed BOI page.
Third-party liability is mandatory. Own-damage cover applies to loss or damage to the insured vehicle caused by accidental external means. Nil-depreciation and other add-on covers are available to provide near-full claim settlement, subject to the selected schedule.
The complete motor exclusions and claim conditions are in the current policy wording and schedule
The Insured Declared Value () is the vehicle's current market value and the maximum amount payable for total loss or theft
it is calculated from the manufacturer's listed price after depreciation and varies by vehicle and accessories.
Not published as a person-age threshold
eligibility is tied to ownership of a registered vehicle and the Registration Certificate
A standard comprehensive private-car policy is typically valid for one year
long-term options may be available for two or three years, depending on the cover selected.
Starts at ₹2,094
the quoted premium varies with the selected coverages, vehicle and other quotation factors.
Not published as a waiting-period condition in the reviewed Private Car Insurance page or linked policy information
Third-party liability and own-damage/comprehensive options vary by the policy selected
add-ons and exclusions are controlled by the policy wording
The comprehensive policy excludes normal wear and tear, consequential loss and depreciation, electrical or mechanical breakdown, use outside the permitted purpose, driving without a valid licence, nuclear or war-related risks, and accidents while under the influence of alcohol or drugs
the selected policy wording controls the complete list.
Adults: 18–65 for hospitalization, critical illness, hospital daily cash and personal accident. Children: hospitalization and hospital daily cash from 91 days/1 day to 25 years
critical illness 18–25
personal accident 5–25.
No single fixed duration is published in the reviewed prospectus or policy wording
the certificate or schedule sets the policy period. The prospectus states that the policy can be renewed for lifetime, subject to the product remaining available and policy conditions.
General publishes age-, cover- and floater-combination-based premiums in the Sampoorna Arogya rate chart. Hospitalization, optional maternity/newborn covers, hospital daily cash, critical illness and personal accident premiums are shown excluding unless the table says otherwise.
Critical-illness signs or symptoms must first commence at least 90 days after the policy period starts.
Group health cover can include inpatient hospitalisation, pre/post-hospitalisation, day care, domiciliary care, , organ donor, reinstatement, genetic/internal congenital conditions, / and advanced treatments. Optional covers include maternity/newborn, outpatient, aggregate deductible, co-pay, critical illness, hospital cash and personal accident
schedule-selected limits apply.
The policy excludes or limits non-medically-necessary care, non-listed or experimental treatment, cosmetic procedures except covered accident reconstruction, treatment outside policy terms, and other exclusions and room-charge sub-items listed in the wording and annexures
Section A medical expenses including evacuation and repatriation: $50,000 to $500,000. Personal accident is 10% of the chosen Section A limit, capped at $25,000
travel support is $2,000 on a floater basis.
6 months to 70 years
for Indian residents taking bona fide overseas business or holiday trips, and foreign nationals working in India.
Single trip: 1–180 days and non-renewable. Multi trip: multiple trips within 1 year and renewable yearly.
General publishes a single-trip premium matrix by age band, geography, trip duration and Section A cover. Examples for $50,000 cover: ₹541 (age 6 months–40, worldwide excluding /Canada, 7 days)
₹707 (same age, worldwide, 7 days)
₹1,091 (age 61–70, worldwide, 7 days). The complete 13-page rate chart provides the selectable combinations.
Not applicable
Emergency medical expenses, evacuation and repatriation, personal accident, travel support, personal liability, cash advance, trip delay, loss of passport and home burglary
The lists pre-existing disease, travel against a physician's advice, unlicensed aircraft, specified hazardous or professional sports, certain two-wheeler accidents without the required licence/helmet and breach of law. The policy wording controls the complete exclusion list.
All Indian vehicle owners can purchase the package policy
no numeric age threshold is published on the reviewed page or current product-list
The issued policy schedule sets the commencement and expiry dates. General offers third-party liability-only, package/comprehensive and bundled options
the wording expressly covers policies with a term up to one year and policies with a term longer than one year, so the selected duration is shown on the schedule rather than fixed universally on the product page.
Starts at ₹868
the page qualifies this as applying only to select RTOs and specific vehicle makes/models
No general waiting period is stated for the base two-wheeler package cover. Cover applies during the policy period shown in the schedule
individual add-ons can have their own conditions, such as a 15-day exclusion for certain tyre/rim damage cover and a maximum of two replacements in one annual period.
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Third-party liability and own-damage/comprehensive options, with add-ons and exclusions controlled by the selected policy
Mechanical/electrical breakdown
alcohol or drug-impaired riding
normal wear and tear
inactive policy
unlawful activity such as racing
incidents outside the geographic boundaries
war
minor or unlicensed rider
insured-person injury/death while riding
and riding without a helmet. The policy wording controls the complete list.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Auto Secure Private Car Package Policy - TATA AIGBank of Baroda
Auto Secure Two-Wheeler Package Policy - TATA AIGBank of Baroda
CholaMS Motor InsuranceBank of Baroda
Star Travel Protect Insurance PolicyBank of Baroda
Two Wheeler - National InsuranceBank of Baroda
SBI General Car InsuranceState Bank of India
SBI General Travel Insurance — Business & HolidayState Bank of India
SBI General Two Wheeler InsuranceState Bank of India
