Car Shield Online

Those electrical/electronic items that are not supplied by the vehicle manufacturer along with the vehicle are called Electrical/Electronic accessories. E.g., Music system that does not come along with the vehicle. What are the discounts that can be allowed under Private Car policies? The discounts that can be allowed under the Private Car policies are: - Voluntary Deductible discount - No Claim Bonus - Automobile Association Discount - Discount on Vintage CarsNo other discounts are permissible. Under what circumstances No Claim Bonus (NCB) can be allowed? It is a reward for No claim in the previous year. It can be accumulated over period of time - Starts with 20% and goes up to 50% - NCB becomes nil in case of a NCB follows the fortunes of the customer and not the vehicle - Validity - 90 days from the date of Expiry of the NCB can be utilized within 3 years (where the existing vehicle is sold and a car is purchased) - NCB recovery to be done in case of a Name Transfer - NCB gets transferred to the legal heir in case of Death of customer.

NCB can be transferred to a new vehicle in case of Substitution of vehicle of same NCB earned abroad can be given in India What are the additional PA covers available under Private Car policies?The various PA covers under Private Car policies arePA to the Owner Driver - PA to the Paid driver - PA to the Unnamed occupants - PA to the Named occupants What will happen when the customer sells his vehicle? If the customer sells the vehicle to another person, the Insurance can be transferred in the name of the buyer. The buyer (transferee) has to apply for transfer of Insurance with us, within 14 days from the date of transfer of the vehicle in his name. If the customer wants to substitute another private car of his in this policy, the policy will not be transferred to the buyer. The buyer (transferee) has to buy a fresh insurance. When is an endorsement required? An endorsement is a written evidence of an agreed change to a policy. It is a document that incorporates changes in the terms of the policy. If there are any alterations to be done in the policy the customer needs to approach the Insurance Company to effect the change in the policy. This is done by way of an endorsement.

An endorsement may be issued at the time of issuing the policy to provide additional benefits and cover (e.g., legal liability to driver) or to impose restrictions (e.g., accidental damage deductible). The wordings of those endorsements are provided in the tariff. An endorsement may also be issued subsequently to record changes such as change of address, change of name, change of vehicle etc. What are the documents required for renewing the policy? Premium Renewal Reply Form / Notice - If any changes are required in the coverage, the customer can incorporate the same in the renewal reply form Can a customer cancel his policy during the tenure of his policy?Yes, the policy can be cancelled at the option of the customer with 7 days notice to the insurer and the Insurer will cancel the policy on Short period basis and refund of premium if any, will be made. The refund will be subject to no claim under the policy and retention of minimum premium of Rs.100/-. But cancellation would be made only after ensuring that the vehicle is insured elsewhere at least for Liability Only policy. What should be done if customer cheque bounces? If cheque bounce intimation is sent to the customer, the customer needs to approach the nearest office of the Insurance Company for fresh payment immediately.

The customer needs to produce his vehicle for inspection along with bank charges of Rs.200/- to be paid. It is more critical in case of Motor insurance because the vehicle will be on road without any insurance and if any claim arises during the intermediate period, the Insurer will not be in a position to pay the claim since the premium has not been received. Protect your family and yourself with our Health Insurance Plans and get protection during sudden illness, surgeries, accidents and against acts of terrorism. Also get tax benefits under section 80D. We offer two types of Health Insurance solutions: Health Shield Online and Family Health Insurance.Family Health Insurance Online With Family Health Insurance Online, you get the advantage of covering your whole family under a single premium with a common Sum Health Shield OnlineWith Health Shield Online, you can cover your spouse, children (above 90 days) and parents (up to 50 years) and most importantly, choose the Sum Insured for each member of your family.