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L&T Car Insurance

L&T General Insurance Company Ltd., abbreviated as L&T Insurance, is a wholly-owned subsidiary of Larsen & Toubro Limited (L&T). L&T has been rated by Forbes among the top 50 most reputed companies in the world. The vision lies in building up as an insurer who stands out from all the other insurance companies in capability, character and calibre.

The L&T Group, as the parent company is known as, boasts of an experience of 70 years and the expertise and financial strength that have made it the leaders in the other segments, making the company the most credible and trustworthy insurers from day one.

The company provides insurance solutions to every aspect of life. Its services are some of the best in the industry, with the technology used, always the latest state-of-the-art. It endeavors to provide the customer with a single-window interface that would give answers to all your insurance-related requirements. Its workforce is one of the finest in the country, adept in handling any query that you might have, cordially providing you with solutions and suggesting you the best way to handle your insurance requirements.

Types of Coverage under L&T Motor Insurance Company

Why Does Your Car Need To Be Insured

Nowadays, a car is no more a symbol or status and financial affluence. It is almost a necessity for most and is possessed by almost everyone with the minimum financial stability and well-being. However, a four-wheeler is still a prized possession for the common man. The joy of possessing a car of your choice can be great, and can make you really proud.

However, the dream may be shattered with just a little carelessness or an accident that was unavoidable. Even natural calamities may turn enemies and cause serious damage to your precious car. There may also be loss of life or property, inflicted on others by your four or two wheeler.

In all these cases, you may avoid trouble only by opting for the best car insurance policies available in the market and get protection for yourself and the car. In India, you cannot but get a car insurance when you buy a new or an used car. However, such policies cover third - party injuries and damages to life and properties). It is a mandatory rule. A majority of car-owners avail of a comprehensive coverage for their own vehicles.

L&T Car Insurance Online - A New Experience

In keeping with the world-class services in every sector, L&T's online portal can be utlised for motor insurance purchase and renewal, as well as settlement of claims and objections.

With the online tool in your hand, you can easily compare car insurance plans from various service providers, and then settle for the best one. Then you may get in contact with the executives to get the best quotes.

Key Benefits of L&T Car Insurance

Cashless Claim Networks

Cashless claim service over 1000+ authorized network of garages across India


For every claim free year, the insured is rewarded with a discount on the renewal premium. It usually ranges from 10% to 50% and can save substantial amount of money.

Accidental Cover /Customer Support

Coverage against financial liability caused by injury/death of a third party or damage to the property.

L&T Motor Insurance Company

With a lot of competition all around , the company needs to give its services an edge over others. Here are some of the best facets of a good car insurance company as well as its policies:

  • With some of the car insurance schemes, the company offers break - down services 24x7. Here you are entitled to an efficient pick - up service, that will whisk you to your destination. The other part of this service will provide a towing service to the broken - down vehicle to the nearest registered garage.

  • You can opt to take your vehicle to one of the registered service stations, where the break - down parts are changed, oiled and repaired, free of cost.

  • If it is covered in the policy, you may also have zero depreciation on your car parts during replacement of the same.

  • We also provide coverage against such damages that are not related to accidents or thefts. This helps you to have a control over the repair work being done to the engine or other parts of the car.

Types of Car Insurances in India

There are two main variants of car insurance available in India. They are:

  1. Third - Party Car Insurance Policy

  2. Comprehensive Car Insurance Policy

Under the third-party car insurance policy, it only covers the third party injuries and damage to life and property of a third party. You remain essentially unprotected. So does your beloved vehicle. This is a mandatory rule of the Motor Vehicle Act to possess this insurance Policy, whether or not you have covered yourself or your car.

Under the comprehensive scheme, we provide you with an all-inclusive coverage, ensuring that your vehicle and all your co-passengers in the car are well protected. Even the third-party liabilities are well covered under these policies.

Add-on Covers for L&T Car Insurance

Depreciation Cover

50% Depreciation will be deducted on all Rubber, Nylon, Plastic Parts, Batteries and Airbags, 30% Depreciation will be decuted in case of 'Fibre Glass' components.

Third Party Cover

The policy will be liable to offer cpver against 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.

Personal Accident Cover

A package policy offers cover against damage or theft of vehicle personal accident cover.

Inclusion & Exclusion in L&T Car Insurance


Whilst the vehicle is being conveyed by road, rail, inland waterways, air or lift


Loss or damage to car when driven by person without valid driving license, oil leakage etc.

Extra Coverage By Some Service Providers

You can get your insurance policy from any of L&T's numerous comprehensive packages, and get some of the bonus offerings:

  • There is one option, where you get a "Return to Invoice Cover" that provides you with full reimbursement of your car's value without any depreciation, if it undergoes total damage.

  • There are also some great options of getting roadside assistance like towing of a damaged car, mechanic's service, fuel assistance and accommodation for you.

  • You may also accumulate your NCB and get hefty discount on the premium next year

  • You may also face financial loss due to the depreciation of the various parts of the car. You are entitled to get the full repayment of the amount spent in getting the car or parts thereof repaired or changed.

Types of Coverage under L&T Motor Insurance Company

The company has an array of insurance services that cover all of the below mentioned eventualities:

L&T's insurance policy covers damage to your own vehicle due to

  • Accidents caused by external factors

  • Theft or burglary

  • Damage caused due to fire, lightning, explosion

  • Damage caused due to natural calamities like floods, storms, landslides, earthquakes etc.

  • Vandalism done by terrorists, rioteers, any other malicious acts.

  • Damage caused during transit of the same by air, road, rail or waterways.

Moreover, third party liabilities caused as a result of accidents, are also thoroughly covered. The company also offers personal accident and permanent disability coverage upto Rs. 2,00,000 for the person driving the car.

Special Add - on Offerings

L&T has endeavored to offer something extra, so that L&T Insurance is rated as the best motor insurance service provider in the country, insurance policy, Comprehensive Car Insurance Policy, third-party coverage, most credible and trustworthy insurers. It has policies that cover such physical parts of the car like the seat covers, wheels etc.

Motor insurance policies have special provisions for personal accident insurance for yourself and your dear ones present there in the car with you, amounting to Rs. 2,00,000 each.You can also opt for an additional coverage for your paid chauffer.

Sum Insured per the L&T Private Car Package

The amount depends upon th IDV (Insured Declared Value) of your car and the overall coverage which is selected for you. Moreover, the policy protects you from legal liability claims which is raised by the third party who has been injured, or whose property has been damaged in an accident in which the insured's vehicle is involved.

Scenarios Covered as per the L&T Private Car Package

Natural Mishaps Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
Man-made Burglary, theft, riot, strike, malicious act, accident by external means, any damage in transit by road, rail, inland waterway, lift, elevator or air, etc.
Third Party Legal Liability The plan will be there to offer the needful coverage wherein the car might have been the cause of/ been part of an accident which is resulted in the injury, disability or death of an individual or caused damages to a third party property.
Personal Accident Cover for the Owner It will protect the accidental death or permanent total disability as endured by the insured when he/she is driving. The same can be extended to unnamed passengers who was involved in the accident.
Additional Covers Herein, additional protection will be there to account for the following scenarios-
  • Loss or damage to several car accessories, including electrical/non- electrical accessories including fog lights, stereo system, mats and seat cover etc. Implementation of bi-fuel injection systems, such as for CNG, can also be covered.
  • Enhance the coverage in terms of geographical area beyond the Indian borders.
  • Personal accident will be there for the driver and passengers involved in an accident.

Exclusions - Incidents that aren't covered by the Policy

  • General and natural wear and tear.

  • Damage occur while driving under the influence of alcohol or other mood/mind stimulating substances and if the person is not carry a valid license.

  • Mechanical or electrical breakdown.

  • Loss sustained financially as a consequence of the accident.

  • Accidents that occurs out of India

L&T Private Car Package is the solution of all your car insurance needs. The company's carries a rich history. The claim setllement is also very easy and effective.

FAQ- L&T Car Insurance

1. What is the range of coverage applicable to me?

As per the L&T Private Car Insurance Package Policy, property damage upto Rs 750,000 is will be liable to get the coverage. However, in case of personal injury to a third party, the coverage amount is unlimited.

2. Is it compulsory to have a car insurance policy?

Yes, as per the Motor Vehicles Act, 1988, car insurance is a mandatory in India .

3. What additional covers can I avail with my L&T Private Car Package Policy?

Additional covers from L&T Car Insurance provides for the following contingencies-

  • Damage associated to non-electrical accessories such as alloy wheels, seat covers etc.

  • There is an option to buy additional personal accident cover.

  • There is an option to buy additional personal accident cover.

  • Additional coverage for the driver to pay for any injuries or damages incurred by him/her while driving your vehicle.

4. Can I cancel my L&T Private Car Package Policy?

Yes, you can cancel the same according to your wish. You have to submit the proof of insurance to cancel the same.

Contact Address

L & T General Insurance Co. Ltd.
City 2, Plot No.177, CST Road, Kalina,
Santacruz (East), Mumbai ? 400 098
Tel: +91-22-61230000Fax: +91-22-61230145

Customer Reviews

May 15, 2018


This is the 3rd time I have renewed the insurance via the L&T Car Insurance portal. Great experience.

May 12, 2018


The website is easy to understand and navigate, i have no claim experience so far.

April 11, 2018


Its easy to renew car insurance with L&T.


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