Car Insurance in Chennai Policy
Who can insure Cars?
Owners of the vehicle Financiers or Lessee who have insurable interest in a motor vehicle.Car insurance officially provides protection against the losses incurred as a result of inevitable instances. In the present day with the mounting accidents and changing approach of living, with all additional insurance prepared, car insurance is also a significant feature to keep oneself from the risk connected with a car.
Some significant factors that should be noticed while going for financial plan car insurance: promptness, reliability and effectiveness.
Buying car insurance involved obtaining a reliable agent that offered the insurance policy someone needed. The next thing in route was determining which usually amount of car insurance you will need.
Purchasing direct car insurance on the web is certainly cheap but this does not say exact position the conventional of coverage.
If you are searching to avoid wasting money , and getting good car insurance you have to attempt searching directly Car Insurance agents . You will observe the quantity of coverage and repair you might be employed to from the genuine Car insurance Policy
Car Insurance Policy.
Motor vehicle which includes private cars Motorised Two wheelers and Commercial vehicles excluding vehicles running on rails.
Who can insure Cars?
Owners of the vehicle Financiers or Lessee who have insurable interest in a motor vehicle.Car insurance officially provides protection against the losses incurred as a result of inevitable instances. In the present day with the mounting accidents and changing approach of living, with all additional insurance prepared, car insurance is also a significant feature to keep oneself from the risk connected with a car.
Some significant factors that should be noticed while going for financial plan car insurance: promptness, reliability and effectiveness.
Buying car insurance involved obtaining a reliable agent that offered the insurance policy someone needed. The next thing in route was determining which usually amount of car insurance you will need.
Purchasing direct car insurance on the web is certainly cheap but this does not say exact position the conventional of coverage.
If you are searching to avoid wasting money , and getting good car insurance you have to attempt searching directly Car Insurance agents . You will observe the quantity of coverage and repair you might be employed to from the genuine Car insurance Policy
Car Insurance Policy.
Motor vehicle which includes private cars Motorised Two wheelers and Commercial vehicles excluding vehicles running on rails.
Why car Insurance ?
Car Insurance package policy covers loss or damage to the vehicle and / or accessories due to
- Accidental external means
- Fire Self ignition lightning
- Burglary house breaking or theft
- Terrorist activity
- Riot Strike and Malicious Damage
- Earthquake
- Flood cyclone and Inundation etc
- While in transit by rail road air elevator lift or inland waterways
- Landslide or workslideNone of the above perils can be excluded from the scope of a policyDoss or Damage to accessories by burglary/house breaking/theft
- For private car it is covered
- In case of Motorised Two Wheelers this can be covered on payment of an additional premium at 3% of the IDV of such accessories.
- Loss or damage to Lamp Tyres mudguard and / or Bonner side parts bumpers etc. can be covered on payment of additional premium. This is applicable only to Commercial Vehicles
If the vehicle Car is disabled in an accident cover is provided for the reasonable cost of the following :
- Its removal to nearest repairers
- The cost of reasonable repairs immediately necessary subject to the limit provided for.
Package Policy - Section II
Section II ((Liability) of car Insurance Package Policy :
Liability to third parties bodily injury and or death and property damage.Personal accident cover for the owner driver for a specified sum insured.
The following are payable under Section II of the Package Policy subject to the limit of liability laid down in the Motor Vehicles Act :
- The insured's legal liability for death / disability of third party
- Loss or damage to third party property
- Claimant's cost as decided by the court
- All costs and expenses incurred with company's written consent
- In case of death of an Insured person entitled to indemnity for a liability incurred under this policy his legal representative will be indemnified in place of insured if he observed all conditions as the insured himself.
What is not payable under the Car Insurance policy ?
- Contractual liability.
- War perils nuclear perils and drunken driving
- Consequential loss Depreciation Wear and tear mechanical or electrical break down
- Damage suffered due to driving the vehicle under the influence of intoxicating liquor or drugs
- Claims arising outside the geographical area specified in the policy
- Claims arising whilst the vehicle is used in contravention of the limitations as to use Claims arising when the vehicle is driven by drunk
Insured's Declared Value (IDV) Car Insurance Policy
- In case of vehicle not exceeding 5 years of age the IDV has to be arrived at by applying the percentage of depreciation specified in the tariff on the showroom price of the particular make and model of the vehicle.
- In case of vehicles exceeding 5 years of age and Obsolete models they have to be insured for the prevailing market value of the same as agreed to between the insurer and the insured..
Call Now For United India Insurance Company Limited : Car Insurance in Chennai at your
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