Vehicle Accident Coverage

I. Coverages

1. Vehicle Modification:
   Maximum up to Rs 10000/- (Rupees Ten thousand only) will be paid against vehicle damage in the event of accidents post triggering of customer’s vehicle insurance policy. Cases of small nicks, dents, scratches to either body or bumper, paint peels / lines etc. incurred during trips will not be entertained. Only those cases where the repair charges caused by accident is more than Rs.10K will be taken for processing. For minor incidents the vehicle modification coverage will not be applicable. (Pictures of all 4 sides of the vehicle has to be taken before starting and again after ending the trip by driver)
2. Hospitalization (OPD):
   Medical bills for fractures, burns, or dental treatment for an injury of up to Rs. 3,000 will be paid in case the insured person is injured during the trip.
3. Hospitalization Allowance:
   A daily allowance of Rs. 500 shall be paid for a maximum of 7 days if the insured person is injured during the trip and needs to be hospitalized.
4. Medical Evacuation:
   Medical evacuation services of up to Rs. 10,000 shall be paid in case the insured person suffers an injury during the trip and needs to be shifted to another place for immediate medical attention.
5. Emergency Accomodation:
   A sum of maximum Rs. 5000 will be paid as emergency accommodation in event of accident and if any hotel stay is availed.

II. General Exclusions

PROVIDED ALWAYS THAT the Company shall not be liable under this Policy for –

1. Death or disability resulting directly or indirectly caused by accident.
2. Any pre-existing condition/ disability / accidental injury.
3. Any claim of the Insured Person -
   1. from intentional self-injury, suicide or attempted suicide.
   2. whilst under the influence of liquor or drugs or other intoxicants.
   3. whilst engaging in aviation or ballooning whilst mounting into, dismounting from or traveling in any aircraft or balloon other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
   4. as a result of active participation in any violent labour disturbance, riot or civil commotion or public disorder.
   5. directly or indirectly, caused by venereal disease, AIDS or insanity.
   6. whilst engaging in racing, hunting, mountaineering, ice hockey, winter sports.
   7. driving any vehicle without a valid driving licence.
   8. whilst engaging as a driver, co-driver or passenger of a vehicle engaging in speed contest or racing of any kind or participating in a trail run.
4. Any loss or damage arising from insured person committing any breach of law with criminal intent.
5. Any claim arising out of war, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power.
6. Any claim arising out of Insured Person(s) serving in any branch of the Military or Armed Forces of any country during war or warlike operations.
7. Any vehicle modification claim caused by accidents where vehicle repair charges are less than Rs.10,000
8. Any claim caused by or contributed to or arising from –
   1. ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel and for the purposes hereof, combustion shall include any self-sustaining process of nuclear fission; or
   2. nuclear weapons material.
9. Any loss in respect of the Insured Person/s whilst engaging in speed contest or racing of any kind (other than on foot), bungee jumping, rafting, underwater diving, canoeing, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports.
10. Any loss whilst flying or taking part in aerial activities (including cabin crew) except as a fare paying passenger in a regular Scheduled airline or Air Charter Company.
11. We shall not be deemed to provide cover and shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

Claim Process

Claiming with Ezi Drive is simple. Accident intimation to be done immediately post incident by phone and a written notice to be sent to Ezi Drive within 24 hrs of incident happening. Post intimation of incident, you can go online and file a claim in a few simple steps with document evidence as indicated below:

Documents Required for claims:

• In case of Personal Accident Permanent Partial and Permanent Total Disability claims
  • Duly filled and signed Claim/ e-Claim Form
  • FIR / MLC from police authorities.
  • Medical Certificate copy from the attending Medical Practitioner for the injury indicating the extent of disability.
  • Hospital / Nursing Home Medical Records.
  • Radiological / X Ray report relevant to the disability.
  • Photographs of the insured showing affected area.
  • Disability Certificate from Civil Surgeon
• In case of Vehicle Repair / Modification claims
  • Pictures of 4 sides of the vehicle taken before starting the trip and post accident.
  • Claim Form

Process Flow:
Below are the available options for the insured to intimate the claim:

• Call: (080) 42400000 | 67000000
• Email to customer experience team (support@ezidrive.in)
• Visiting the Ezi Drive office directly & submitting claim form