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Car Insurance
Car Insurance
Policy cover the risks that arise to the owner, vehicle and third party. (We are
authorized Insurance agents of Reliance General Insurance and ICICI Lombard for
car insurance).
Car insurance protects the vehicle from following losses or
damages:
* Fire, lightning,
self-ignition, explosion, burglary, housebreaking or theft.
* Riot or strike.
* Flood, earthquake, cyclone or inundation.
* Transit by road, air, elevators or lifts.
* Liability for third party's injury or death, third party property and towards
the paid driver too.
* Loss or damage to electrical/ electronic accessories, personal accident cover
for the driver and passengers is also available after paying additional premium.
Types
of Car Insurance Policies:
There are two types of Policies:
·
Liability Only Policy:
This covers Third Party Liability for bodily injury and/or death and Property Damage.
Personal Accident Cover for Owner-Driver is also included.
·
Package Policy:
This covers loss or damage to the vehicle insured in addition to the above.
Term
of Car Insurance policy:
No car insurance policy is permitted to be issued or renewed for any period longer
than twelve months. However, Short Period Cover/ Renewal may be granted for periods
less than twelve months.
Car Insurance Claims:
In case of car insurance claims the maximum liability will be, the sum the vehicle
is insured for or the insured's declared value, which will be the amount payable
in case of total loss or Constructive Total Loss (CTL) irrespective of the market
value of the vehicle.
Also in case, repair costs go over 75 percent of the Insured Declared Value (IDV),
it will be taken to be a CTL.
Insurance
Premium Calculation in case of adverse Car Insurance claims:
Loading on tariff premium rates by 100 percent may be applied for adverse claims
experience of the vehicle insured and individual risk perception as per the insurer's
assessment. If the experience continues to be adverse, a further loading of 100
percent on the expiring premium may be applied. No further loading shall apply.
Click
here for FAQ's on Car Insurance
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Contact
us at :
InsuranceIndiaMart
Head Office: 311/90, Mansarover, Nehru Place, New Delhi – 110019, India
Branch: 301, Sector 28 Faridabad, Haryana-121008
Mobile:+91-9810106909, +91- 9810150489
E-mail : contact@insuranceindiamart.com,
info@insuranceindiamart.com
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