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Drive Safely and Avoid Road Accidents: Dos and Don’ts

9

Dec, 2013

Drive Safely and Avoid Road Accidents: Dos and Don’ts

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When on the road, certain factors may get out of your control and cause you to have an accident or injury. While this is not always avoidable, there are certain things you can do to reduce the risk. Check out this infographic to know how you can make driving a safe experience for yourself and your loved ones. And of course, remember to always have your car insurance policy with you, in case you face trouble and need to call for help! Know more about how our motor insurance policy […]

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Customer Checklist – Motor Insurance Renewal Process

15

Nov, 2013

Customer Checklist – Motor Insurance Renewal Process

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Your motor insurance policy should be renewed before the expiry date and time. Failure to do so can lead loss of the motor insurance renewal benefits. We take every effort to send reminders to all our policy holders to remind them about expiry of their motor policy. Company executives or agents will contact you in person, by telephonic reminder or by way of renewal notice before expiry of your policy, to ensure that you can have a timely, hassle-free renewal. Renewal Option and Payment Guidelines: Please read the instructions below […]

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Opt for Add-on Covers for Comprehensive Motor Insurance Benefits

26

Oct, 2013

Opt for Add-on Covers for Comprehensive Motor Insurance Benefits

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Consider this… Abhishek has bought a new car, and paid a basic policy premium of INR 15,000. Due to the rainy weather, he had a mishap where he ran into a tree. Due to this accident, there has been extensive frontal damage to the vehicle. In such a situation, while a large part of repair costs would be taken care of by his policy, he would still have to spend at least INR 30,000 from his own pocket to get all repairs and replacements done. On the other hand, had […]

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Your Safeguards to Check Fake Motor Insurance Policies

23

Aug, 2013

Your Safeguards to Check Fake Motor Insurance Policies

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Insurance frauds have been prevalent over the years, and fact is that it cannot be completely eliminated. Various estimates claim that the Indian general insurance industry would be losing between Rs. 2,500-3,500 crore in a year due to such frauds. Evidently, it would be disappointing for a customer to discover that the motor insurance policy purchased by them is not a genuine one. Unfortunately, this could come to his notice only at the time of making a claim, and not otherwise. What makes it more disheartening is that the customer […]

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Components of Motor Insurance

28

Jun, 2013

Components of Motor Insurance

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IDV: IDV means Insured’s Declared Value. It is deemed to be the ‘SUM INSURED’ for the purpose of tariff calculation and is usually fixed at the commencement of each policy period for each insured vehicle. IDV is calculated by adjusting the current Manufacturer’s Listed Selling Price(*see below) of the vehicle with depreciation percentage listed in the table below: VEHICLE % OF DEPRECIATION Not exceeding 6 months 5% Exceeding 6 months but not exceeding 1 year 15% Exceeding 1 year but not exceeding 2 years 20% Exceeding 2 years but not exceeding 3 years […]

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