Fouress - Motor Insurance

Private Car Insurance

Private Car Insurance provides coverage for individual car owners, protecting them from financial loss due to accidents, theft, or damages to their vehicles. It ensures peace of mind by offering liability protection for third-party injuries or property damage, and comprehensive coverage for repairs or replacements after accidents.

Third-Party Liability: Covers legal liabilities for damages to third-party vehicles or injuries to third-party individuals.

Comprehensive Coverage: Protects against theft, accidents, fire, and natural disasters.

Add-On Covers: Offers additional protection like zero depreciation, roadside assistance, and engine protection.

Two-Wheelers Insurance

Two-Wheeler Insurance is designed for motorcycles and scooters, providing financial protection from damages due to accidents, theft, or natural calamities. It covers both third-party liabilities and personal damage, ensuring that the owner can ride confidently.

Third-Party Coverage: Legal protection in case of damage or injury to a third party.

Own Damage: Covers damage to the bike due to accidents, fire, or theft.

Add-On Covers: Additional options like personal accident cover, zero depreciation, and pillion rider protection.

Goods Carrying Vehicles

This insurance provides specialized coverage for vehicles used for transporting goods. It is crucial for logistics companies, transport businesses, and other entities that operate goods-carrying vehicles, ensuring that both the vehicle and the goods are covered against risks.

Third-Party Liability: Protects against claims from third-party damages or injuries during transport.

Cargo Coverage: Provides protection for goods being transported in case of theft, fire, or accidents.

Comprehensive Coverage: Protects the vehicle and its cargo from a wide range of risks, ensuring minimal business disruption.

Passenger Carrying Vehicles

Passenger Carrying Vehicle Insurance is designed for buses, taxis, and other vehicles that transport people for business purposes. This insurance ensures that both passengers and vehicles are protected in case of accidents, injuries, or damages.

Third-Party Liability: Covers legal liabilities for injuries or damages caused to passengers or third-party vehicles.

Personal Accident Cover: Protects passengers and drivers in case of accidents or injury.

Comprehensive Coverage: Covers the vehicle against theft, accidents, fire, and other perils.

Miscellaneous Vehicles Insurance

Miscellaneous Vehicles Insurance provides tailored coverage for vehicles that don't fall under standard categories, such as tractors, cranes, bulldozers, golf carts, and other specialized vehicles used in industrial, agricultural, or construction activities. This insurance is essential for protecting high-value, non-standard vehicles from potential operational risks, damages, or third-party liabilities.

Customizable Coverage: Designed to cater to the unique needs of each vehicle type and its usage.

Operational Risk Protection: Covers damage due to accidents during operation, including damage to equipment or third-party property.

Comprehensive Coverage: Ensures coverage for theft, fire, accidental damage, and third-party liabilities, providing peace of mind for businesses that rely on specialized vehicles.

Special Types of Vehicles

Special types of vehicles used for non-standard purposes, such as construction machinery, agricultural equipment, or vehicles used for industrial purposes, require specialized insurance. This insurance protects unique vehicles and equipment from financial losses due to accidents or operational risks.

Tailored Coverage: Customizable insurance plans based on the specific type and use of the vehicle.

Comprehensive Protection: Covers operational risks, accidental damages, and third-party liabilities.

Wide Range of Vehicles: Includes tractors, cranes, bulldozers, and other specialized machinery.

Electric Vehicle (EV) Insurance

Electric Vehicle Insurance is designed specifically for the growing number of electric cars and two-wheelers. It covers unique risks associated with electric vehicles, such as battery damage, and includes provisions for charging infrastructure. As EVs become more popular, this insurance ensures adequate protection for their specific needs.

Battery Coverage: Protects against damages to the vehicle's battery, which is one of the most expensive components.

Charging Station Protection: Includes coverage for damage to home charging stations.

Comprehensive Coverage: Includes standard accident, theft, and third-party liabilities, with specific add-ons tailored for electric vehicles.