Protect Your Vehicles, Property, and Business Assets from Catastrophic Loss.
Physical assets and business liabilities face constant operational risks—from vehicle collision and engine hydro-locking to fire disasters and global travel disruptions. Trueways evaluates 30+ general insurers to secure zero-depreciation motor covers, full-value commercial property fire shields, and comprehensive travel protection with dedicated survey escalation.
- Zero-Depreciation & Return to Invoice (RTI) Protection for Private & Commercial Vehicles
- Accurate Bharat Sookshma/Laghu Udyam Fire & Peril Valuation (Zero Under-Insurance)
- Priority Surveyor Coordination & Cashless Garage/Repair Assistance
Request a General Cover Quote
Compare IDV rates, commercial fire terms & travel plans · ₹0 fee
0%
Depreciation Deduction on Parts
5,000+
Cashless Garage Network Tier
100% IDV
Return-to-Invoice Target Value
₹0
Survey & Claims Filing Cost
ASSET RISK MITIGATION
Safeguarding Physical Assets, Real Estate & Global Travel
Comprehensive Collision & Theft Cover
Protect against roadside accidents, third-party legal liabilities, total loss, and natural perils with full cashless garage repairs.
Factory, Warehouse & Retail Business
Regulatory Bharat Sookshma & Laghu Udyam policies covering buildings, plant machinery, furniture, and raw materials against fire, flood, and riots.
Residential Structural Protection
Protect your apartment or independent house structure along with interior appliances, electronics, furniture, and jewelry against burglary and seismic damage.
Global Medical & Transit Protection
Mandatory Schengen, US, and worldwide travel covers for emergency overseas hospitalization, flight cancellations, loss of passport, and baggage delays.
Don't Buy Basic Comprehensive: 4 Crucial Add-On Riders
1. Zero Depreciation (Bumper-to-Bumper):
Ensures the insurer pays 100% replacement costs for plastic, fiber, rubber, and glass parts without standard 30%–50% depreciation deductions.
2. Engine & Gearbox Protection:
Covers hydrostatic lock and oil leakage damage caused by driving through water-logged city roads or flash floods (excluded in standard covers).
3. Return to Invoice (RTI):
In the event of vehicle theft or a total-loss accident, pays the original ex-showroom price, road tax, and registration charges rather than depreciated market value.
4. Consumables & Key Replacement:
Covers engine oil, nuts, bolts, coolant, and brake fluid used during accident repairs, alongside high-cost electronic key replacement if misplaced.
HOW CLAIMS WORK
Swift, Transparent Claim Resolution from Incident to Repair
01. Immediate Incident Alert:
Contact our claims desk within 24 hours of vehicle damage, water intrusion, or property incidents with timestamped photos.
02. Cashless Network Towing:
We locate the closest network cashless workshop or dispatch an IRDAI-licensed independent surveyor for on-site inspection.
03. Estimate Approval & Repair:
Our desk monitors the surveyor's loss assessment sheet to ensure zero unnecessary part deductions or labor disputes.
04. Delivery & Direct Payoff:
The insurer disburses the repair invoice directly to the network garage, requiring you to pay only the mandatory statutory deductible.
The Danger of Under-Insurance (The "Average Clause")
Many business owners under-declare their factory, warehouse stock, or plant machinery values to cut down on annual premiums. In fire insurance, this triggers the penal “Average Clause”.
- If property worth ₹10 Crores is insured for only ₹5 Crores (50% under-insured).
- A partial fire damage loss of ₹2 Crores will result in a payout of only ₹1 Crore (50% proportionate reduction).
The Trueways Correct-Valuation Standard
We eliminate under-insurance penalties before contracts are bound:
- Reinstatement Value Clause (RVC) setup for plant machinery and building structures.
- Declaration basis or Floater policy setup for fluctuating stock balances across multiple godowns.
- Inclusion of debris removal, architect fees, and business interruption (Consequential Loss) covers.
COMPLETE RISK RESILIENCE
Review Your Vehicle, Property, and Asset Covers Today.
Book a 20-minute consultation with a Trueways general insurance advisor. Benchmark your IDV values, eliminate under-insurance traps, and secure zero-depreciation protection.