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Steps To Protect

Your Journey to Worry-Free Ownership Starts Here.

We're giving you all the information you need to get your best coverage. Complete a quick live photo verification and get protected within 60 minutes.

Steps To Protect

Protect Your Car in 4 Simple Steps

Upload your details, get approved, and you're covered within 60 minutes, or fully refunded within 24 hours.

Taking live verification photos of a car with a phone

Share Your Car Details

Take 4 live photos and a 10-second engine-start clip of your car and upload your RC copy, no inspection required. Takes about a minute, whenever it's convenient.

Four live photos and a 10-second engine-start clip, taken live with your phone camera. Each photo is stamped with the date, time and your GPS location.

  1. Start the Engine (10-second clip) — Point the camera at the dashboard, tap record, then start the engine and let it idle for 10 seconds.
  2. Odometer — With the engine running, make sure the odometer and any warning lights are clearly visible.
  3. Engine Bay — Open the bonnet and keep the whole engine bay in frame.
  4. Front & Left Side — Step back so the full front and left side fit in the frame.
  5. Rear & Right Side — Make sure the registration number plate is clearly visible.

You'll take these photos as part of Step 1 on the Get Protected page, right after choosing your fuel type and entering your registration number.

Get Protected Now →
XCW service history checklist review

We Check Your Service History

We pull your service records and confirm your car's eligibility. We review your verification photos against registration, age, mileage and service history.

  • Any malfunction warning light or error on the dashboard
  • Abnormal engine sound
  • Tampered odometer
  • No service records from an authorised service centre
  • Unauthorised modifications on the engine
Choosing a protection plan and paying online

Choose Your Plan & Pay

Once approved, pick your plan and complete payment online.

XCW digital coverage certificate

Get Your Coverage Certificate

Receive your coverage copy by email within 60 minutes.

Steps To Claim

Simple. Transparent. Hassle-free.

If something goes wrong, here's exactly what happens from the moment you spot the fault to driving away repaired.

Vehicle inspection at an authorized service centre 1

Visit an Authorized Service Centre

Take your vehicle to any manufacturer-authorized service centre and have it inspected.

Sharing service centre and repair details with XCW 2

Inform XCW

Share the following with the XCW Claims Team via the Submit a Claim form or a call to our claims team:

  • Service Centre Name
  • Service Advisor's Contact Details
  • Job Card
  • Repair Estimate
XCW claim review and approval 3

Claim Review & Approval

Our technical team will verify your policy, vehicle eligibility, and the reported fault. Once approved, we will coordinate directly with the service centre.

Cashless claim settlement certificate and car keys 4

Cashless Settlement & Drive Away

XCW settles the approved claim directly with the service centre, a hassle-free, cashless experience. Collect your vehicle and drive away with peace of mind.

Frequently Asked Questions

Everything you want to know before you buy

Can't find your answer? Contact our team. We're happy to walk through the details.

A Vehicle Protection Plan helps cover the cost of specified mechanical repairs after your manufacturer's warranty has expired, providing peace of mind against unexpected breakdowns.
Eligibility depends on your vehicle's age, kilometres driven, service history, verification results, and overall condition. All vehicles require approval before a plan can be issued.
No. Electrical, electronic, infotainment, battery, sensor, module (ECU/TCU), wiring and software-related components are excluded from coverage.
You can choose 1, 2 or 3 years upfront. Each year covers 15,000 kilometres, whichever occurs first, starting from the activation date on your certificate. Coverage automatically terminates once either limit is reached.
Yes. Every plan carries a mandatory waiting period of 30 days or 1,000 kilometres, whichever occurs first. No claims arising during this window are eligible. The waiting period may be waived for select vehicles at our sole discretion.
The maximum aggregate liability under any plan is: Essential ₹1,00,000, Elite ₹2,00,000, and Ultimate ₹3,00,000. We reserve the right to repair, replace or recondition any covered component. See Coverage for full details.
Yes. We offer protection plans for Petrol, Diesel and EV vehicles. Petrol/Diesel pricing depends on your vehicle's brand category, while EV plans are a flat rate per tier. Get an instant, personalised quote using the calculator on our homepage.
No. Items that wear down through normal use, such as brake pads, clutch plates, tyres, wiper blades, filters, fluids and other consumables, are not covered.
Take your vehicle to any manufacturer-authorized service centre, then send us the service advisor's contact details and job card. From there, processing times vary based on repair complexity and documentation, and our claims team will give you a timeline estimate as soon as your claim is verified. See the full claims process above.
No. Motor insurance covers accidents and theft. A vehicle protection plan covers mechanical failures of the engine, gearbox, steering/braking, and drivetrain that occur through normal use.
It depends on your plan. Essential covers the engine. Elite adds gearbox/transmission and drivetrain. Ultimate adds steering, braking, cooling and fuel system components, plus factory-fitted turbochargers/superchargers. See the Coverage page for the full breakdown by plan.
Yes. Every vehicle must pass a quick self-live photo verification before coverage activates. You take 4 live photos and a 10-second engine-start clip with your phone camera, stamped with the date, time and GPS location.
That's what the XCW Asterisk-Free Guarantee™ is for. If you're not satisfied with the way we handle your claim, we'll refund 100% of your warranty premium, no questions asked. This can be exercised once per plan, within 30 days of the claim decision, and closes your plan. See the full terms on our Coverage page.
Yes. Our plans are specifically designed for out-of-warranty and pre-owned vehicles, not just cars fresh from the showroom.
Electrical failures, accident/flood/fire damage, damage from negligence or unauthorised modification, routine maintenance, cosmetic repairs, and standard wear-and-tear items are all excluded.
Yes. Plans may be transferred to a subsequent owner, subject to Company approval, ownership verification, and a transfer administration fee.
Coverage terminates immediately, with no refund payable, if false information is provided, the odometer is tampered with, service history is falsified, or fraudulent claims are submitted.
Engine, gearbox and drivetrain repairs on out-of-warranty vehicles can run into the thousands, sometimes lakhs, of rupees. A protection plan shields you from that unplanned expense for a predictable cost, and helps maintain your vehicle's resale value.

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