1. The document provides information about claims procedures for a private car insurance policy with Bajaj Allianz General Insurance.
2. It advises policyholders to contact the 24-hour call center directly in the event of a claim instead of going through an agent to ensure proper claims registration and assistance.
3. Additional details on claims processes, requirements, and approved repair shops can be found in the claims guide or by contacting the insurance office or agent. Using an unauthorized repair shop may affect cashless repairs or billing.
Two Wheeler Insurance Format - HDFC ERGOSaurav Mishra
Two Wheeler Insurance Format by HDFC ERGO. Bikes and two wheeler excite all. In case you lose your two wheeler or bike or you need a economical help, HDFC ERGO will offer complete support and cover.
The Customer’s favourite Vehicle Coverage Policy in AsiaDAIInsurance
Thinking which motorbike insurance coverage to head for? Choose DirectAsia insurance coverage on your vehicle! DirectAsia insurance regulations come with policy alternatives with numerous (optionally) available advantages to secure your motorbike along with your type of value plan!
Health Insurance Proposal Form - HDFC ERGOSaurav Mishra
HDFC ERGO is one of the leading insurance companies in India which has brought to you a comprehensive health insurance plan at an cost-effective premium rate. Read the health Insurance proposal document for your reference.
This is an example of an insurance quote for an auto policy with Progressive Insurance in Amesbury MA. It highlights how cheap we're able to get the annual auto insurance premium for preferred homeowners who bundle multiple lines of insurance (Home, Auto, Umbrella, Motorcycle, Commercial Auto, Travel Trailer, and more)
Third Party Car Insurance Companies Policy Wording in India - HDFC ERGOSaurav Mishra
HDFC ERGO is one of the leading general insurance companies, which provides comprehensive and third party car insurance policies in India at unbeatable prices. The insurance it offers are tailor-made and assures that your car is protected in every possible way. Also, this brand makes sure you buy the car insurance in a hassle-fee way by providing online services. It means, the best car insurance is just a click away from you.
Bajaj Allianz Bharat Bhraman Policy, is a domestic travel policy for all individuals travelling within India, for holiday/business/personal trips in common or private vehicles including bicycles. Learn More at https://www.bajajallianz.com/Corp/motor-insurance/two-wheeler-insurance.jsp
2020 Land Rover Range Rover Insurance Quote Example Mashpee MA $902 Annual Pr...Premier Shield Insurance
Premier Shield Insurance example for a "Progressive Auto Insurance Quote" for a 2020 Land Rover Range Rover 8 Cylinder Engine insurance quote Mashpee ma $902 annual cost.
Two Wheeler Insurance Format - HDFC ERGOSaurav Mishra
Two Wheeler Insurance Format by HDFC ERGO. Bikes and two wheeler excite all. In case you lose your two wheeler or bike or you need a economical help, HDFC ERGO will offer complete support and cover.
The Customer’s favourite Vehicle Coverage Policy in AsiaDAIInsurance
Thinking which motorbike insurance coverage to head for? Choose DirectAsia insurance coverage on your vehicle! DirectAsia insurance regulations come with policy alternatives with numerous (optionally) available advantages to secure your motorbike along with your type of value plan!
Health Insurance Proposal Form - HDFC ERGOSaurav Mishra
HDFC ERGO is one of the leading insurance companies in India which has brought to you a comprehensive health insurance plan at an cost-effective premium rate. Read the health Insurance proposal document for your reference.
This is an example of an insurance quote for an auto policy with Progressive Insurance in Amesbury MA. It highlights how cheap we're able to get the annual auto insurance premium for preferred homeowners who bundle multiple lines of insurance (Home, Auto, Umbrella, Motorcycle, Commercial Auto, Travel Trailer, and more)
Third Party Car Insurance Companies Policy Wording in India - HDFC ERGOSaurav Mishra
HDFC ERGO is one of the leading general insurance companies, which provides comprehensive and third party car insurance policies in India at unbeatable prices. The insurance it offers are tailor-made and assures that your car is protected in every possible way. Also, this brand makes sure you buy the car insurance in a hassle-fee way by providing online services. It means, the best car insurance is just a click away from you.
Bajaj Allianz Bharat Bhraman Policy, is a domestic travel policy for all individuals travelling within India, for holiday/business/personal trips in common or private vehicles including bicycles. Learn More at https://www.bajajallianz.com/Corp/motor-insurance/two-wheeler-insurance.jsp
2020 Land Rover Range Rover Insurance Quote Example Mashpee MA $902 Annual Pr...Premier Shield Insurance
Premier Shield Insurance example for a "Progressive Auto Insurance Quote" for a 2020 Land Rover Range Rover 8 Cylinder Engine insurance quote Mashpee ma $902 annual cost.
The study of life Insurance products being offered by the global market in in...Ankit Pal
the uploaded summer internship project report which titled for The study of life Insurance products being offered by the global market in insurance of IDBI Federal life Insurance Corporation.
The report is made by the M.B.A. 3rd sem student Mr. Ankit Mohan Lal who has his own business titled for the Real Estate.
Ankit Mohan Lal is a mature person and very responsible student and he is always done improvement work at each attempt.
Through this report he gets 141 marks out of 150 marks and the examiner so surprised with this project report and pray to god for his best blessing for future.
Two Wheeler Bundled Insurance With Add On By Edelweiss GIJonksDaniel
Enjoys the benefits of two wheeler bundled insurance with add on by Edelweiss general insurance. Get long duration insurance for your two wheeler and drive safe.
Two Wheeler Bundled Insurance With Add On By Edelweiss GIJonksDaniel
Enjoys the benefits of two wheeler bundled insurance with add on by Edelweiss general insurance. Get long duration insurance for your two wheeler and drive safe.
Private Car Package Add-On Covers By Edelweiss General Insurance JonksDaniel
Private car package add-on is an additional cover that can be opted with a car insurance policy to strengthen the coverage and protection provided by a car insurance policy. There are multiple add-ons that can be opted for with a car insurance policy.
Private Car Package Insurance By Edelweiss GIJonksDaniel
Edelweiss general insurance helps you with all kind of car & 4 wheeler insurance. A car insurance policy provides liability coverage to third parties as well as loss/damage coverage to the vehicle insured.
Private Car Bundled Insurance Policy Wording By Edelweiss General InsuranceJonksDaniel
Private car bundled insurance policy by edelweiss general insurance covers loss or damage to vehicle due to accidents, theft & natural calamities. Get the add on covers like engine protector, tyre & rim protector and many more.
Two Wheeler Package Insurance With Add On By Edelweiss GIJonksDaniel
Edelweiss general insurance offer two wheeler insurance with add ons which exceed your expectations. Give additional protection to your vehicle and customize your bike insurance as per your need.
Two Wheeler Long Term Package By Edelweiss General InsuranceJonksDaniel
You can insure your bike against damage losses with Edelweiss general insurance for a long term, based on the package you select. Select the package and insure your bike for long term.
Buy/Renew your Car Insurance Policy with Reliance General Insurance and get complimentary Road Side Assistance with every policy. Take a Car Insurance Quote Now!! https://www.reliancegeneral.co.in/insurance/motor-insurance/private-car/features.aspx
The conceptual difference, in their very rudiments, between the fire insurance and the machinery insurance that is available only as a sequel to the former, though independent of it, is this: whereas in case of fire insurance, the scope of cover is limited, ab initio, to the perils specified in the policy, the position in respect of machinery insurance is that ‘unforeseen and sudden physical damage by any cause - an omnibus proposition - not hereinafter excluded’ is deemed as the perils covered. Thus, whereas the fire insurance is finite in its scope of liability, the machinery insurance is one of an infinite obligation, of indemnity, though limited by specific exclusions and exceptions.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
1. ± ±
Bajaj Allianz General Insurance Company Limited
Issuing office :
Important notice*
1. In the event of a claim ,please make sure to call our 24 hours Call Center directly instead of agent or the garage rep. for following help.
- to get your claim registered in our records and the claim number issued for future reference.
- to know about the claim process and the necessary requirements for faster settlement of claim.
- to know the approved garage where vehicle is to be taken for quality repair , cashless settlement and other value added services
Improper communication can lead to delay in settlement or repudiation of claim :
2. Please refer to the Claim Guide copy supplied by your agent for more details on claim settlement process, requirements and the Bajaj
Allianz Preferred Workshops list . In case you have'nt received ,please contact our nearest office or the agent.
3. Should you decide on garage of your choice , company cannot assure the services such as cash less settlement facility , quality of job ,
avoid excess or wrong billing by the garage .
To contact please dial toll free number : 1600225858 or 020-30305858 (free call from BSNL / MTNL) or email at : callcentrepune@bajajallianz.co.in
*conditions apply
PRIVATE CAR PACKAGE POLICY
Whereas the Insured by a proposal and declaration dated as vi. by accidental external means;
stated in the Schedule which shall be the basis of this contract
and is deemed to be incorporated herein has applied to Bajaj vii. by malicious act;
Allianz General Insurance Company Limited (hereinafter
viii. by terrorist activity;
referred to as “Company”) for the Insurance hereinafter
contained and has paid the premium mentioned in the ix. whilst in transit by road rail inland waterway lift
schedule as consideration for such insurance in respect of elevator or air
accidental, loss or damage occurring during the Period of
Insurance. x. by landslide/rockslide
NOW THIS POLICY WITNESSETH that subject to the Terms, Subject to a deduction for depreciation at the rates
Exceptions, and Conditions contained herein or endorsed or mentioned below in respect of parts replaced :
expressed hereon.
1. For all rubber, nylon, plastic parts, tyre, battery &
SECTION I - LOSS OR DAMAGE TO THE VEHICLE INSURED
air bags 50%
1. The Company will indemnify the Insured against loss or
damage to the Motor Car insured hereunder and/or its 2. For fibre glass components 30 %
accessories whilst thereon;
3. For all parts made of glass Nil
i. by fire explosion self ignition or lightning;
4. Rate of depreciation for all other parts including wooden
ii. by burglary housebreaking or theft; parts will be as per the following schedule
iii. by Riot and Strike; AGE OF VEHICLE % OF DEPRECIATION
iv. by Earthquake (Fire and Shock Damage); Not exceeding 6 months.......................................Nil
v. by Flood Typhoon Hurricane Storm Tempest Exceeding 6 months but not exceeding 1 year ....5%
Inundation Cyclone hailstorm Frost;
Exceeding 1 year but not exceeding 2 years....10%
Regd. & Head Office : GE Plaza, Airport Road, Yerawada, Pune - 411 006. Tel. : (+91 20) 56026666. Fax : (+91 20) 56026667
± ±
2. ± ±
Exceeding 2 years but not exceeding 3 years...15% The IDV of the vehicle ( and accessories if any fitted in the
vehicle ) is to be fixed on the basis of the manufacturer’s listed
Exceeding 3 years but not exceeding 4 years..25%
selling price of the brand and model as the vehicle insured at
the commencement of insurance / renewal and adjusted for
Exceeding 4 years but not exceeding 5 years.....35%
depreciation ( as per schedule below ).
Exceeding 5 years but not exceeding 10 years...40%
The schedule of age wise depreciation as shown below is
Exceeding 10 years...................................................50% applicable for the purpose of Total loss / Constructive Total
Loss (TL / CTL) claims only.
2 The Company shall not be liable to make any payment in
respect of : AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV
a. consequential loss depreciation wear and tear Not exceeding 6 months.........................................5%
mechanical or electrical breakdown failures or
Exceeding 6 months but not exceeding 1 year ....15%
breakages
Exceeding 1 year but not exceeding 2 years......20%
b. damage to tyres and tubes unless the vehicle is
damaged at the same time when the liability of the
Exceeding 2 years but not exceeding 3 years.....30%
Company is limited to 50% of cost of replacement; and
Exceeding 3 years but not exceeding 4 years.....40%
c. Any accidental loss or damage suffered whilst the
Insured or any person driving the vehicle with the Exceeding 4 years but not exceeding 5 years.....50%
knowledge and consent of the Insured is under the
influence of intoxicating liquor or drugs. IDV of vehicles beyond 5 years of age and of obsolete models
of the vehicles (i.e. Models which the manufacturers have
3 In the event of the vehicle being disabled by reason of discontinued to manufacture) is to be determined on the
loss or damage covered under this Policy the company basis of understanding between the insurer and the
will bear the reasonable cost of protection and removal insured.
to the nearest repairer and redelivery to the Insured
but not exceeding in all Rs.1500/- in respect of any one IDV shall be treated as the ‘ Market Value’ throughout the
accident. policy period without any further depreciation for the
purpose of Total Loss (TL) / Constructive Total Loss (CTL)
The Insured may authorise the repair of the vehicle claims.
necessitated by damage for which the Company may
be liable under this Policy provided that: The insured vehicle shall be treated as a CTL if the aggregate
cost of retrieval and / or repair of the vehicle, subject to terms
a. the estimated cost of such repair including and conditions of the policy, exceeds 75% of the IDV of the
replacements does not exceed Rs.500/ vehicle.
b. the Company is furnished forthwith a detailed SECTION II - LIABILITY TO THIRD PARTIES
estimate of the cost of repairs and
1. Subject to the Limits of Liability as laid down in the
c. the Insured shall give the Company every assistance Schedule hereto, the Company, will indemnify the
to see that such repair is necessary and the charges are Insured in the event of an accident caused by or arising
reasonable. out of the vehicle, against all sums which the Insured
shall become legally liable to pay in respect of :
SUM INSURED - INSURED’S DECLARED VALUE (IDV)
i) death of or bodily injury to any person including
The insured declared value (IDV) of the vehicle will be
occupants carried in the vehicle (provided such
deemed to be the ‘ SUM INSURED’ for the purpose of this
occupants are not carried for hire or reward) but
policy which is fixed to the commencement of each policy
except so far as it is necessary to meet the
period for the insured vehicle.
± 2 ±
3. ± ±
requirements of Motor Vehicles Act the Company APPLICATION OF LIMITS OF INDEMNITY
shall not be liable where such death or injury arises
In the event of any accident involving indemnity to more than
out of and in the course of the employment of such
one person any limitation by the terms of this policy and/or
person by the insured.
of any Endorsement thereon of the amount of any indemnity
ii) damage to property other than property belonging to shall apply to the aggregate amount of indemnity to all
the Insured or held in trust or in the custody or control persons indemnified and such indemnity shall apply in
of the Insured. priority to the insured.
2. The Company will pay all costs and expenses incurred SECTION III - PERSONAL ACCIDENT COVER
with its written consent.
FOR OWNER - DRIVER
3. In terms of and subject to the limitations of the indemnity
1 The Company undertakes to pay compensation as per
granted by this section to the Insured the Company will
the following scale for bodily injury / death sustained
indemnify any driver who is driving the vehicle on the
by the owner - driver of the vehicle, in direct
insured's order or with insured's permission provided
connection with the vehicle insured or whilst driving
that such driver shall as though he were the Insured
or mounting into / dismounting from the vehicle
observe fulfil and be subject to the terms exceptions and
insured or whilst traveling in it as a co-driver, caused by
conditions of this Policy in so far as they can apply.
violent accidental external and visible means which
4. In the event of the death of any person entitled to independent of any other cause shall within six
indemnity under this Policy the Company will in respect of calendar months of such injury result in :
the liability incurred by such person indemnify his/her
Nature of injury Scale of compensation
personal representatives in the terms of and subject to
the limitations of this Policy provided that such personal
(I) Death .................................................... 100%
representatives shall as though he/she was the Insured
observe fulfil and be subject to the terms exceptions and (II) Loss of two limbs or sight of two eyes or
conditions of this Policy in so far as they can apply.
one limb and sight of one eye.......................... 100%
5. The Company may at its own option (A) arrange for
representation at any Inquest or Fatal Inquiry in respect of (III) Loss of one limb or sight of one eye.............. 50%
any death which may be the subject of indemnity under
this policy and (B) undertake the defence of proceedings (IV) Permanent total disablement from
in any Court of Law in respect of any act or alleged offence
injuries other than named above. .................. 100%
causing or relating to any event which may be the subject
to the indemnity under this Section. Provided always that
AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY A) compensation shall be payable under only one of
the items(i) to (iv) above in respect of the owner -
Nothing in this Policy or any endorsement hereon shall affect
driver arising out of any occurrence and the
the right of any person indemnified by this Policy or any other
total liability of the insurer shall not in the
person to recover an amount under or by virtue of the
aggregate exceed the sum of Rs 2. Lakhs during
provision of the Motor Vehicles Act.
any one period of insurance.
But the Insured shall repay to the Company all sums paid by
B) no compensation shall be payable in respect of
the Company, which the Company would not have been liable
death or bodily injury directly or indirectly wholly
to pay, but for the said provisions.
or in part arising or resulting from or traceable to
(1) Intentional self injury suicide or attempted
suicide physical defect or infirmity or (2) an
accident happening whilst such person is under
the influence of intoxicating liquor or drugs.
± 3 ±
4. ± ±
C) Such compensation shall be payable directly to combustion shall include any self-sustaining
the insured or to his/her legal representatives process of nuclear fission.
whose receipt shall be the full discharge in
respect of the injury to the insured. 5. Any accidental loss damage or liability directly or
indirectly caused by or contributed to by or arising
2) This cover is subject to from nuclear weapons material.
(a) the owner-driver is the registered owner of the 6. Any accidental loss damage and/or liability directly or
vehicle insured herein; indirectly or proximately or remotely occasioned by
contributed to / by or traceable to or arising out of or in
(b ) The owner driver is the insured named in this connection with War, Invasion, the Act of foreign
policy. enemies, hostilities or Warlike operations (whether
before or after declaration of war) Civil War, Mutiny
(c) the owner-driver holds an effective driving
Rebellion, Military or usurped power or by any direct
license, in accordance with the provisions of Rule
or indirect consequences of any of the said
3 of the central Motor Vehicles Rules, 1989, at the
occurrences and in the event of any claim hereunder
time of the accident.
the Insured shall prove that the accidental loss damage
GENERAL EXCEPTIONS and/or liability arose independently of and was in no
way connected with or occasioned by or contributed to
(Applicable to all Sections of the Policy) by or traceable to any of the said occurrences or any
consequences thereof and in default of such proof the
The Company shall not be liable under this Policy in Company shall not be liable to make any payment in
respect of such a claim.
respect of:
DEDUCTIBLE
1. Any accidental loss damage and/or liability caused
sustained or incurred outside the Geographical Area. The Company shall not be liable for each and every under
Section -I (loss of damage to vehicle insured) of this policy in
2. Any claim arising out of any contractual liability.
respect of the deductible stated in the schedule.
3. Any accidental loss damage and/or liability caused
CONDITIONS
sustained or incurred whilst the vehicle insured herein
is This policy and the Schedule shall be read together and any
word or expression to which a specific meaning has been
a. being used otherwise than in accordance with the
attached in any part of this Policy or of the Schedule shall bear
limitations as to Use or
the same meaning wherever it may appear.
b. being driven by or is for the purpose of being
1. Notice shall be given in writing to the Company
driven by him/her in the charge of any person
immediately upon the occurrence of any accidental
other than a driver as stated in the drivers clause.
loss or damage in the event of any claim and thereafter
the Insured shall give all such information and
4. a. Any accidental loss or damage to any property
assistance as the Company shall require. Every letter
whatsoever or any loss or expense whatsoever
claim writ summons and/or process or a copy thereof
resulting or arising therefrom or any
shall be forwarded to the Company immediately on
consequential loss.
receipt by the Insured. Notice shall also be given in
b. Any liability of whatsoever nature directly or writing to the Company immediately the Insured shall
indirectly caused by or contributed to by or arising have knowledge of any impending Prosecution
from ionising radiations or contamination by Inquest or Fatal Inquiry in respect of any occurrence,
radioactivity from any nuclear fuel or from any which may give rise to a claim under this Policy. In
nuclear waste from the combustion of nuclear case of theft or criminal act which may be the subject
fuel. For the purpose of this exception of a claim under this Policy the Insured shall give
± 4 ±
5. ± ±
immediate notice to the Police and co-operate with the in force or the policy may be cancelled at any time by
Company in securing the conviction of the offender. the insured on seven days’ notice by recorded delivery
and provided no claim has arisen during the currency
2. No admission, offer, promise, payment, or indemnity of the policy, the insured shall be entitled to a return of
shall be made or given by or on behalf of the Insured premium less premium at the company’s Short Period
without the written consent of the Company which rates for the period the policy has been in force. Return
shall be entitled if it so desires to take over and of the premium by the company will be subject
conduct in the name of the Insured the defence or to retention of the minimum premium of Rs.100/-
settlement of any claim or to prosecute in the name of (or Rs. 25/- in respect of vehicles specificially designed /
the Insured for its own benefit any claim for indemnity modified for use by blind / handicapped/mentally
or otherwise and shall have full discretion in the challenged persons). Where the ownership of the
conduct of any proceedings or in the settlement of any vehicle is transferred, the policy cannot be cancelled
claim and the Insured shall give all such information unless evidence that the vehicle is insured elsewhere is
and assistance as the Company may require. produced.
3. The Company may at its own option repair reinstate or 6. If at the time any claim arises under this Policy there is
replace the vehicle or part thereof and/or its any other existing insurance covering the same loss,
accessories or may pay in cash the amount of the loss damage or liability, the Company shall not be liable to
or damage and the liability of the Company shall not pay or contribute more than its rateable proportion of
exceed the loss damage compensation cost or expenses.
a) For total loss / Constructive total loss of the 7. If any dispute or difference shall arise as to the
vehicle the Insured’s Declared Value (IDV) of quantum to be paid under this policy (liability being
the vehicle (including accessories thereon ) as otherwise admitted) such difference shall
specified in the schedule as the value of the independently of all other questions be referred to the
wreck decision of a sole arbitrator to be appointed in writing
by the parties to the dispute or if they cannot agree
b) For partial losses i.e. Losses other than total loss
upon a single arbitrator within 30 days of any party
/ constructive total loss of the vehicle - actual and
invoking arbitration, the same shall be referred to a
reasonable cost of repair and / or replacement of
panel of three arbitrators, comprising of two
parts lost or damaged subject to depreciation
arbitrators, one to be appointed by each of the parties
as per limits specified.
to the dispute/difference and a third arbitrator to be
4. The Insured shall take all reasonable steps to appointed by such two arbitrators who shall act as the
safeguard the vehicle from loss or damage and to presiding arbitrator and Arbitration shall be conducted
maintain it in efficient condition and the Company under and in accordance with the provisions of the
shall have at all times free and full access to examine Arbitration and Conciliation Act, 1996.
the vehicle or any part thereof or any driver or
It is clearly agreed and understood that no difference or
employee of the Insured. In the event of any accident
dispute shall be referable to arbitration as herein
or breakdown the vehicle shall not be left unattended
before provided, if the Company has disputed or not
without proper precautions being taken to prevent
accepted liability under or in respect of this policy.
further damage or loss and if the vehicle be driven
before the necessary repairs are effected any It is hereby expressly stipulated and declared that it
extension of the damage or any further damage to the shall be a condition precedent to any right of action or
vehicle shall be entirely at the insured's own risk. suit upon this policy that the award by such
arbitrator/arbitrators of the amount of the loss or
5. The Company may cancel the policy by sending seven
damage shall be first obtained.
days notice by recorded delivery to the insured at the
insured’s last known address and in such event will It is also hereby further expressly agreed and declared
return to the insured the premium paid less the pro that if the company shall disclaim liability to the insured
rata portion thereof for the period the policy has been for any claim hereunder, and such claim shall not
± 5 ±
6. within 12 calender months from the date of such
disclaimer have been the subject matter of a suit in a
court of law then the claims shall for all purpose be
deemed to have been abandoned and shall not
thereafter be recoverable hereunder.
8. The due observance and fulfillment of the terms
conditions and endorsement of this Policy in so far as
they relate to anything to be done or complied with by
the Insured and the truth of the statements and
answers in the said proposal shall be conditions
precedent to any liability of the Company to make any
payment under this Policy.
9. In the event of the death of the sole Insured, this policy
will not immediately lapse but will remain valid for a
period of three months from the date of the death of
Insured or until the expiry of this policy (whichever is
earlier). During the said period legal heirs of the
Insured to whom the custody and use of the Motor
Vehicle passes may apply to have this Policy
transferred to his / her / their names or obtain a new
insurance policy for the Motor Vehicle.
Where such legal heirs wish to apply for a transfer of
this policy or obtain a new policy for the Vehicle such
heir(s) should make an application to the company
accordingly within the aforesaid period. All such
applications should be accompanied by :
a. Death certificate in relation to the insured
b. Proof of title to the Vehicle
c. Original Policy
The Company reserves its rights to abide by any order
of the court in regard to declaration about the legal heir /
heiress and ownership of the vehicle and the nominee will
not have any right to dispute such order of the Court.