Private Car Package Policy Insurance Detail

Private Car Package Policy
Brief Description :
A Private Car is defined as any transport vehicle /car /omnibus whose unladen weight does not exceed 7,500 kgms and is used only for social,domestic and pleasure purpose and insured's own business. The policy does not cover use for Hire or Reward, Organised racing, Speed testing and carriage of goods (other than samples) in connection with any trade or business or use for any purpose in connection with MOTOR TRADE. On payment of extra premium the policy may be extended for Personal Accident cover as well.
Covered Risks :
Fire,Explosion, Lightning,Burglary and Theft,Riot and Strike, Typhoon,Hurricane,Storm, Tempest, Malicious act,Earthquake,Flood,Terrorist activity,Landslide/Rockslide. It also covers damages by accidental, external means while in transit by rail/road, inland water, lift or air in addition to the legal liability required by law
Major Exclusions :
Consequential loss,Depreciation,Wear & tear, Mechanical/ electrical breakdown, failures or breakages,Damage to tyres unless the motor car is damaged at the same time and any accidental loss or damage suffered while the person driving is under the influence of intoxicating liquor or drugs.

For more Detail Visit Avdhoot Investment

Private Car Package Policy

Private Car Package Policy
Brief Description :
A Private Car is defined as any transport vehicle /car /omnibus whose unladen weight does not exceed 7,500 kgms and is used only for social,domestic and pleasure purpose and insured's own business. The policy does not cover use for Hire or Reward, Organised racing, Speed testing and carriage of goods (other than samples) in connection with any trade or business or use for any purpose in connection with MOTOR TRADE. On payment of extra premium the policy may be extended for Personal Accident cover as well.
Covered Risks :
Fire,Explosion, Lightning,Burglary and Theft,Riot and Strike, Typhoon,Hurricane,Storm, Tempest, Malicious act,Earthquake,Flood,Terrorist activity,Landslide/Rockslide. It also covers damages by accidental, external means while in transit by rail/road, inland water, lift or air in addition to the legal liability required by law
Major Exclusions :
Consequential loss,Depreciation,Wear & tear, Mechanical/ electrical breakdown, failures or breakages,Damage to tyres unless the motor car is damaged at the same time and any accidental loss or damage suffered while the person driving is under the influence of intoxicating liquor or drugs.
For more detail visit Avdhoot Investment

Auto Insurance

Auto Insurance: Top things to know

1. You're a statistic.
To an insurer, you're not a person, you're a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors," including some things that may seem unrelated to driving a car, including your occupation, who you are, and how you live.
2. Insurers differ.
As with anything else you buy, what seems to be the same product can have different prices, depending on the company. You can save money by comparison shopping.
3. Don't just look at price.
A low price is no bargain if an insurer takes forever to service your claim. Research the insurer's record for claims service, as well as its financial stability.
4. Go beyond the basics.
Most states require only a minimum of auto-insurance liability coverage, but you should look for more coverage than that.
5. Demand discounts.
Do not ask for any Discount it will affect u after sales services
6. Ask for the real thing.
Insurers cut costs by paying only for car parts made by companies other than the car's manufacturer. These parts can be inferior. Demand parts by the original equipment manufacturers (OEMs).
7. At claims time, your insurer isn't necessarily your friend.
Your idea of fair compensation may not match your insurer's. Your insurer's job is to restore you financially. Your job is to prove your losses so you get what you need.
8. Prepare before you have to file a claim.
Keep your policy updated, and re-read it before you file a claim so there are no surprises. For more detail visit Avdhoot Investment

Can I apply for a Health insurance policy when I am already diagnosed with some disease or ailment?

Yes, you can apply for a Health Insurance policy. But the policy will be issued excluding the diagnosed disease and other diseases pre-existing at the time
of inception of the cover.