L&T Car Insurance
L&T Car Insurance
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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 boasts of an experience of 70 years and the expertise & 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 (use of state-of-the-art technology). 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.

Why Does Your Car Need To Be Insured

Nowadays, a car is no more than a symbol of status & financial affluence. It is almost a necessity for most and is possessed by almost everyone with 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 in your car.

In all these cases, you may only avoid trouble by opting for the best car insurance policies available in the market and get protection for yourself and the car.

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 utilized for motor insurance purchase and renewal, as well as the 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. Hurry and get in contact with the executives to get the best quotes.

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.

Key Benefits of L&T Car Insurance

Cashless Claim Networks

The company has tie-ups with over 1000+ authorized network garages across India who open their gates for your car to get repaired on time and the best part is, the expenses are on the company's tab.


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 a substantial amount of money.

Accidental Cover

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

Break-down services

Among the competition, the company offers 24*7 break-down services. 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.

24*7 customer support

With so much tension on the ground, it is pretty obvious to require help from the professionals. Keeping the customer's convenience in mind, the company has come up with 24*7 support assistance for its customers.

Free repair

You can opt to take your vehicle to one of the registered service garages, 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.

Internal parts are looked after as well

The company offers coverage against such damages that are not related to accidents or thefts. This helps you to have control over the repair work being done to the engine or other parts of the car.

Add-on Covers for L&T Car Insurance

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 (up to 5) present there in the car with you, amounting to Rs.2,00,000 each. Other add-ons are specified below.

Depreciation Cover

50% depreciation will be deducted on all Rubber, Nylon, Plastic Parts, Batteries and Airbags. 30% of depreciation will be deducted in the case of 'Fiberglass' components.

Third-Party Cover

The policy will be liable to offer cover against legal liability arising out of an Injury/Death of a third party and property damage of a third party in case of an accident involving your vehicle.

Personal Accident Cover

A package policy offers financial cover to the insured party against injuries, permanent/temporary disabilities & death caused by an accident.

Return to Invoice

It provides you with a full reimbursement of your car's value without any depreciation if it undergoes total damage.

Roadside Assistance

Services such as towing of a damaged car, mechanic's service, fuel assistance, and accommodation are at your doorstep. You don't need them every day, but knowing that they are in your bag can be relaxing.

No-Claim Bonus

You can only claim this bonus if you have not issued a single claim in your motor insurance term. Best advice- Accumulate your NCB & get a hefty discount on the premium next year.

Inclusions & Exclusions in L&T Car Insurance

A car insurance policy is 24*7 active to financially guard us only if we obey its rules. In other words, L&T car insurance judges a claim request on the basis of an inclusions & exclusions list. This list is the building block of your policy and the company expects you to remember it before you come knocking at its door. So, let's take a look at it.


  • 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, rioters, any other malicious acts.
  • Damage caused during transit by air, road, rail or waterways.


  • General/natural wear & tear.
  • Damage because of drunk driving/drug overdosed and if the person is not carrying a valid license.
  • Electrical/Mechanical breakdown.
  • Financial loss due to an accident.
  • Accidents that occur outside of India.

Which Documents Are Required For The Claim?

Documents are an essential part of the claim process. Without it, you will be shooting blanks from the gun. So, in order to be prepared while filing a claim, make a note of the list of documents that you will need to submit to the company.

Documents for Accidental Claim

  • Use duly signed claim form to register a claim.
  • Copy of policy, license & RC.
  • If required, submit the FIR (including vehicle number & person's contact details).
  • Original copy of the repair bill.
  • If you choose a cashless service, submit the invoice receipt.
  • In reimbursement cases, submit payment proof, estimate bill & original bill.

Documents for Theft Claim:-

  • Use duly signed claim form to register a claim.
  • Copy of policy, license & RC with original keys.
  • Copy of FIR.
  • Duly signed Form 28, 29, 30 and Form 35.
  • A copy of the police's 'No Trace Report' of the insured car.
  • Documents for third-party claim:-
  • Use duly signed claim form to register a claim.
  • Copy of FIR.
  • Copy of policy, license & RC.

Documents for Third-Party Claim:-

  • Use duly signed claim form to register a claim.
  • Copy of FIR.
  • Copy of policy, license & RC.

How can you claim L&T car insurance?

Buying car insurance is one thing and claiming it is another task. It requires your complete attention and on the shoes thinking. So, without wasting any time, let's have a look at the step book to file a claim.

  • First things first, contact the company & take an appointment for the claim.
  • Take your car to one of the registered network garages and submit all the necessary papers to the surveyor.
  • L&T will confirm the liability. If you have opted for a cashless facility, the company will settle the bill with the garage (up to the payable amount).
  • If you want to roll down the old way, ignore the cashless facility, settle the bill by yourself & send the bills attached with the claim form to L&T for settlement.
  • You will get your car on the delivery date.

L&T Car Insurance Review

L&T has established a reliable image in the market. And its entire credit goes to quick customer service & large options of cashless garages. Its existing customers are happy which eventually says a lot about the company. So, L&T is a great option to consider for your car's safety.

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.

Last updated on 22 Aug