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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 your 30-second vehicle verification and get protected within 60 minutes.

Steps To Protect

Protect Your Car in 3 Simple Steps

Complete your self-guided vehicle check, get approved, and you're covered within 60 minutes, or fully refunded within 24 hours.

1

Check Your Car

Complete a quick self-guided video inspection and upload your RC, no workshop visit required. About 30 seconds, covering the engine bay, dashboard and general condition, recorded whenever it's convenient.

Still under manufacturer warranty? That's the best time to buy.

Buy now and skip the vehicle verification, your manufacturer's warranty already backs your vehicle's condition. Your XCW coverage simply activates when it ends, so there's never a gap.

Follow these 3 steps for a smooth, ~30-second smartphone video, recorded in one continuous take without pauses or edits. No professional equipment needed.

  1. Start the Vehicle (10 seconds) — Point the camera at the instrument cluster and start the engine. Make sure the odometer and any warning lights are clearly visible, then keep the camera focused while shifting through P → R → N → D (automatic) or engaging Reverse and 1st gear (manual).
  2. Engine Bay (10 seconds) — With the engine still running, open the bonnet and record a clear view of the engine bay for about 10 seconds.
  3. Exterior Walkaround (10 seconds) — Close the bonnet and walk around the vehicle, capturing Front → Left Side → Rear → Right Side. Make sure the registration number plate is clearly visible.

You'll record this vehicle verification as part of Step 1 on the Get Protected page, right after choosing your fuel type and entering your registration number.

Get Protected Now →
2

We Check Your Service History

XCW fetches your Authorized Service Centre records and confirms your vehicle's eligibility. We review your verification video 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

If your vehicle isn't approved for any of the reasons above, you'll receive a 100% refund within 24 hours.

3

Pay & Get Protected

Complete your payment online and receive your digital coverage certificate 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.

1

Visit an Authorized Service Centre

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

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
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.

4

Cashless Claim Settlement

XCW settles the approved claim directly with the service centre, a hassle-free, cashless experience for covered repairs.

5

Drive Away with Confidence

Collect your repaired vehicle and continue enjoying peace of mind with your XCW Protection Plan.

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 30-second self-guided vehicle verification before coverage activates. This is a short, smartphone-based video walkaround.
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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