Miscellaneous Insurance

The various Policies under it are as follows: All Risk Insurance Burglary Insurance Policy Cash in Transit Insurance Fidelity Guarantee Insurance Policy Householder's Insurance Shopkeeper's Insurance Television Insurance Special Contingency Insurance Suhana Safar Insurance Baggage Insurance Plate Glass Insurance Jeweller's Block Insurance

All Risk Insurance SUBJECT MATTER COVERED: The policy is specially suitable for covering Jewellery, Valuables, Curios, Antiques and other Works of Art, Paintings, Watches, Cameras and other similar articles. PROPERTY NOT COVERED: Fountain pens, Spectacles, Musical Instruments, Cufflinks, Clothing, Cigarette Cases, Silver Utensils, Money, Securities, Manuscripts, Deeds, Bonds, Travellers Cheques, Books of Accounts etc. INSURED PERILS: Fire, Riot and Strike Burglary, House Breaking, Larceny or Theft Accidental Loss or Damage

EXCLUSIONS UNDER THE POLICIES: Although these policies are known as All Risk Insurance Policies there are certain exclusions such as Loss arising from Wear and Tear Damages caused by the process of repairing renovation etc. Breakage of Lens and Cameras unless caused by fire/ accident to the means of conveyance Mechanical/ Electrical Breakdown IMPORTANT CONSIDERATION: Moral Hazard is a very pertinent factor and policies are issued only to known and valued clients. A moral hazard report should be obtained from the marketing official or the concerned u/w officer about his her personal knowledge of the client for a minimum period of three years. RATING: Non Tariff The normal lowest rate for First Class Proposal is 1.50%. If in special cases the geographical limits are to be extended world wide the rate should be atleast 2%. The above rate includes Riot and Strike.

Burglary Insurance(Business Premises): APPLICABILITY OF INSURANCE: The policy is available to Commercial Establishments. Factories, Godowns, shops etc. Burglary Policy can be issued only where a fire policy is also availed. PROPERTY COVERED UNDER THE POLICY: Stock in trade Goods held in trust or on commission for which the insured is responsible. Fixtures, Fittings and Utensils in Trade. Cash and Currency notes secured in locked safe. EXCLUDED PROPERTIES:

The property excluded under the policy include deeds, bonds, bills of exchange, promissory notes, cash treasury and bank notes, cheques, security for money, stamps, stamp collections, books of account, documents of any kinds, manuscripts, medals and coins, motor vehicles and accessories or livestock unless specifically insured. INSURED PERILS: Burglary or Housebreaking of property, by actual forcible and violent entry. Theft by a person in the premises who subsequently breaks out by a violent and forcible means. Damage to the premises by the burglars to be made good by the insured. EXCLUSIONS UNDER THE POLICY: Loss or Damage Where insureds family member or business staff is involved as principal or accessory. By act of persons lawfully on the premises(larceny) Consequent upon fire or explosion. Perils insurable under a fire or Plate glass insurance policy. Loss of cash from the safe following the use of key or duplicate thereof unless such key is obtained by violence or threats of violence. Earthquake and other natural perils. Riot, Strike and civil commotion. War and Nuclear Risks. TYPES OF POLICIES: Declaration policy may be issued as in Fire Department Floater policy on the basis of provision of the fire tariff may be issued. First Loss policy may be issued for property except cash and/ or valuables where total loss is impossible. Full value policy is the most common type of policy issued. Cash In Transit Policy: SCOPE OF COVER:

Loss of Money in Transit by the insured or insureds authorized employees occasioned by Robbery. Theft or any other fortitude cause. Loss of Money by Burglary, House-breaking, Robbery or Hold up whilst money is retained at insureds premises in safe or strong room. DEFINITION OF MONEY: It shall include cash, bank draft, currency notes, treasury notes, cheques, postal orders and current postage stamps. IMPORTANT CONSIDERATION: The insured should indicate the address of the premises where cash is kept and also the Limits under each or the following situations. Section 1: Money for payment of wages or petty cash in transit from bank to office premises and cheques drawn by the insured for the above purposes from premises to bank. Money for other purposes in transit between premises and bank. Money other than above collected and in personal custody of the insured/ his employees in transit to the premises or bank within 48 hours time. Section II: Money kept in premises during business hours and whilst kept in licked safe or strong room after business hours against burglary, house breaking or hold up. MAJOR EXCLUSIONS: The Company shall not be liable in respect of: Shortage due to error or omission. Loss of money entrusted to any person other than the insured or an authorized employee of the insured. Loss of money where the insured or his employee is involved as Principal accessory, except loss due to fraud or dishonesty of the cash carrying employee of the insured occurring whilst in transit and discovered within 48 hours. Loss occurring on the premises, after business hours, unless the money is in a locked safe or strong room. Loss occasioned by Riot and Strike and Terrorism (can be covered on payment of additional premium).

Money carried under contract of affrightment and theft of money from unattended vehicle. Loss of money from safe or strong room following use of the key to the safe or strong room or any duplicate thereof belonging to the insured. Unless this has been obtained by threat or by violence. RATING: Section-I Normally 0.35 per mile may be charged on ordinary risk in good locality. In case of remote, isolated places the rate may be charged upto 0-.50 per mile. Section-II 0.25% to 0.50% depending upon risk perception. Fidelity Guarantee Insurance Policy: APPLICABILITY OF INSURANCE: This insurance indemnifies the employers against the financial loss suffered by them due to fraud, dishonesty during the course of employment of an employee or employees subject to the following conditions: The cover granted is against the direct pecuniary loss and not a consequential one. The loss should be in respect of monies or goods of the insured. The act should be committed in the course of the duties specified. If the employee guaranteed under the policy had left the services of the employer and was re-engaged by him, no liability attaches to the policy unless the consent of the insurers was obtained. THE PERIOD OF DISCOVERY: If the policy is not renewed or if the policy is canceled, losses must be discovered within 12 months from the date of expiry or cancellation of the policy. Company is not liable for losses not sustained within a retroactive period not exceeding 2 years from the date of discovery. EXCLUSIONS: This insurance policy does not cover any loss: Discovered more than 12 months after the death/ dismissal/ retirement of the employee concerned.

When there has been any change in the agreed system of check or accounting precautions, without the insurers prior consent. Caused by an employee after discovery of his previous fraud or dishonesty. Such as stock taking shortages, trading losses, not caused by fraud or dishonesty. IMPORTANT CONSIDERATION: The following particulars regarding the person to be guaranteed should be satisfactory: Character Financial position Domestic Responsibility. Previous experience Previous record or service Amount guaranteed in relation to remuneration TYPES OF POLICIES: COMMERCIAL FIDELITY GUARANTEE: Individual Policy: Only one named individual is covered. Collective policy: List of employees may be furnished. Each individual may have his respective guarantee amount shown against his/ her name. Advantage of this policy is that any change can be incorporated by just putting an endorsement. Floater policy: Here list of employees may be furnished by individual guarantee amount is not mentioned. The guarantee amount is floated and can be pegged to any individual in the list upto the maximum limit mentioned in the policy. The policy is helpful for those employers who because of the functional intricacies may not be able to quantify loss in respect of each act of fraud or dishonesty by individual employees. NOTE: Floater cover should not be granted for persons numbering less than 5 in case of cover for unnamed persons, all persons without exception should be included. Sub-limits may be stipulated for each category of employees taking into account their functions and maximum amount handled by them. Position policy: Guarantee amount shown against each position and no name is mentioned.

Blanket policy: Given to establishment with a wide network of staff. Just, a blanket amount for the total number of employees. PROPOSAL FORM: Normally for commercial fidelity guarantee policy there are two proposal forms viz., one given by the3 employer and another given by the employee. HAZARDOUS RISK: The collection agents whose cash limits are higher than his salary, such as jewelery and traveling salesman, cashiers in hotels, cinema halls, estate agents, treasurer in socio-cultural organization and employees of billion merchants are treated as hazardous risks under these policies. House Holders Insurance: APPLICABILITY: This is a comprehensive package insurance scheme, meant for house holders, by combining a number of contingencies under single policy. This policy comprises of 10 sections. They are as follows. Fire and Allied perils (including earthquake, loss of or damage to building/ contents excluding money and valuables). Burglary/ Housebreaking including larceny or theft: Loss of or damage to contents excluding money and valuables. All risks: Loss of damage to jewelery or valuables caused by accident or misfortune whilst any where in India. Plate Glass: Loss of or damage to fixed plate glass by accidental means. Breakdown of domestic appliances: Unforeseen and sudden physical damage caused by mechanical or electrical breakdown of domestic, electrical, electronic or mechanical appliances specified in the policy and whilst contained in the insured premises. Television Set: Loss of or damage to television apparatus including V.C.R/ V.C.P whilst contained in the insureds premises. Pedal Cycles: Loss of or damage to pedal cycles, and legal liability to third parties. Baggage Insurance: Loss of or damage to personal baggage dud to accident or misfortune whilst traveling any where in India. Personal Accident: Personal Accident Insurance for insured, his spouse and children as per personal accident insurance guidelines.

Public Liability: Legal liability of the insured in respect of accidental death or bodily injury to third party through fault or negligence of the insured/ family members. Legal liability as per W.C. Act/ Common Law towards employees. ShopKeepers Insurance: APPLICABILITY: This is a comprehensive package insurance scheme meant for small shopkeepers whose property is valued at less than Rs. 10,00,000/-. It contains eleven sections. Maximum four sections will have to be taken in which section 1 and 2 are compulsory. COVERAGE UNDER POLICY: Fire and Allied perils: Loss of or damage to building/ contents (excluding money and valuables) Whilst contained in the insureds premises. Building Contents Burglary/ Housebreaking: Loss of or damage to contents (excluding money and valuables) whilst contained in the premises. Money Insurance: Loss of money in transit due to accident/ misfortune (Not exceeding Rs. 50,000/- per any one carrying). Loss of or damage to money, valuables whilst contained in a burglar-proof safe (2% of the sum insured under Section or Rs. 10,000/- whichever is less) Loss of money whilst lying in cashiers till and counter (1% of the sum insured under Section 1 or Rs. 5,000/- whichever is less). Pedal cycles: Loss of or damage to pedal cycles and legal liability to third parties. Plate Glass: Loss of or damage to fixed plate glass by accidental means. Neon and Glow sign: Loss of or damage to Non Sign or Glow Sign by accidental external means/ Fire, lightning or external explosion/ Theft/ Riot, Strike, malicious Act. Baggage Insurance: Loss of or damage to personal baggage of insured or baggage in connection with trade anywhere in India. Personal Accident: Personal Accident insurance for insured/ his employees as per PA Policy Fidelity guarantee: Direct pecuniary loss suffered by the insured due to fraud or dishonesty committed by any salaried employee excluding sales man and commission agents.

Public Liability: Legal liability in respect of accidental death or bodily injury to a third party or accidental damage to their property during performance of business. Business Interruption: Due to operation of perils covered under Section I and subject to claim payable there under. Television Insurance: The Television insurance policy is designed to indemnify the insured against: Loss of or damage to the Television apparatus by Accidental external means Fire. Lighting Short circuiting Flood and Storm Bursting and overflowing of water tanks Theft Riot and Strike Earthquake, fire and shock Legal Liability to third party for accidental bodily injury/ damage to property arising out of the use of TV installation. Rs. 25,000/- for all claims out of one event. IMPORTANT EXCLUSIONS: The company will not pay first Rs. 150/- of any claim due to electrical causes or self-heating. Damage to cathode ray tubes. Burning out of valves or coils. Theft of parts unless the apparatus is also stolen at the same time. Special Contingency Insurance: APPLICABILITY: This policy covers loss against accidental external means, fire, external explosions, self ignition, lightning, burglary, housebreaking, theft and malicious act whilst the property is situated at a designated place. EXCLUSIONS:

Mechanical or electrical breakdown SPECIAL FEATURES: Suggested rate is 2.5% Whenever items are governed by tariff rates but covered under special contingency policy, it is to be ensured that tariff rates and excess are applied in respect of such items and no violations made in this regard. INSURANCE FOR LAP-TOP COMPUTERS: Laptop computers can be covered under special contingency policy on the lines of electronic equipments policy which also covers electrical or mechanical breakdown. However the rate charged for Lap-Top computers would be between Rs. 1.25% to 1.50%. Suhana Sufur Insurance: "PACKAGE INSURANCE COVER FOR DOMESTIC TRAVELERS" SCOPE OF COVER: The object of this insurance is to provide relief in case of accidental death and loss and/ or damage to accompanied baggage during traveling within the country as follows: Rs. 1 lac per head irrespective of age and income, under Table I and Table II of PA policy. Reasonable and actual emergency incidental expenses upto Rs. 1000/- per head arising out of an accident resulting in a valid claim under PA section. Loss or damage to accompanied baggage arising out of fire, storm, tempest, hurricane, flood, inundation, riot, strike, malicious damage, accident, theft or burglary. TABLE OF BENEFIT UNDER BAGGAGE:No. of persons 1 2 3 4 and above Sum Insured (Rs.) 5000 10,000 12,500 15,000 SPECIAL PROVISION: 1.Cover is available to travelers by all modes. Road/ Rail/ Water and Air including those who travel by their own mode of transport. 2.Cover is valid for transit period subject to maximum of 60 days. The cover includes incidental local travel also. Baggage Insurance: SCOPE OF COVER:

This policy provides cover against loss/ damage to accompanied personal baggage of the insured due to FIRE, THEFT OR ACCIDENT during the course of the journey. IMPORTANT EXCLUSIONS: LOSS/ damage by wear and tear, moth, mildew, vermin. Any process of cleaning, repairing etc. Breakage of glass articles, china clay and articles of brittle nature. Theft from unattended vehicles Electrical and Mechanical breakdown Loss or damage to articles while being worn or in actual use Terrorism SPECIAL CONDITIONS: Articles in Pairs or Sets. Single Article limit. UNDERWRITING GUIDELINES: The geographical limit to the above policy is worldwide. The items covered to be specified with individual values. Valuation report shall be obtained for valuables like Diamond/ precious stones etc. Non Tariff business. Guideline rate 0.75% - 5% based on clientele relationship/ other premium income etc. Plate Glass Insurance: SCOPE OF COVER: The policy covers loss/ damage to fixed glass (Display windows, show cases etc) by breakage due to accidental causes. IMPORTANT EXCLUSIONS: Fire/ Explosion, Riot and Strike, terrorism. Typhoon, Flood, Hurricane, Volcanic eruption, Earthquake and other convulsions of nature. Damage to frame/ framework or any description.

Cost of lettering or painting. DECLINED RISKS: Bad localities, Empty shops, green house conservatories, unprotected glass at high levels. Broken or cracked glass, movable mirrors. RATE: Rate is to the fixed depending on the merit of each individual proposal taking into consideration localities, risk involved, precautionary measures and previous claims experience etc. SUGGESTED RATE: Between 4% and 6%. Jewelers Block Insurance: SECTION 1: Loss/ damage to property (Gold, Silver items, Pearl, Precious stones etc.) insured whilst contained in the premises or deposited with a bank:Property insured on the premises Property insured in display windows. Cash and Currency notes. Property Insured in Bank Lockers subject to the insured maintaining a separate register to record all deposits/ withdrawals in such lockers. Perils Covered: Fire, Explosion, Lightning, Riot and Strike, Malicious Damage, Burglary, House Breaking, Theft, Robbery and Hold-up risk only. SECTION 2: ALL RISKS COVER Property insured excluding Cash and Currency Notes whilst in the custody of the Insured, his partners, Directors duly constituted Attorneys, his employees or sorters of diamonds. Property Insured excluding Cash and currency Notes whilst in the custody of persons not in regular employment of the insured such as brokers or agents or cutters or goldsmiths. SECTION 3: TRANSIT COVER ALL RISKS Property excluding cash and currency notes whilst in transit within India by Registered insured Parcel Post. AIR Freight (Minimum 20% of value to be declared to the Airlines).

Angadias. SECTION 4: Office furniture and fittings against the perils mentioned in Section 1.Damage done by burglars and/ or thieves to the premises and/ or landlords fixtures and fitting for which insured is legally responsible as tenant upto 1% of SI under this section. IMPORTANT EXCLUSIONS: Loss or damage to the property insured due to: Whilst it is being worked upon or during cleaning, repairing etc. Inventory losses. Whilst at any Public Exhibition. Theft or dishonesty of the insureds family members, servants employees, customer, broker, angadias, cutters, goldsmiths in respect of the property entrusted to them by insured. Whilst in window display at night or whilst kept out of safes after business hours. Any loss following use of key of duplicate key belonging to the insured unless it has been obtained by threat or violence. EQ, Volcanic eruptions, flood, storm etc.

What Is Comprehensive Insurance?

Comprehensive insurance is a type of insurance policy that provides wide-ranging coverage for unforeseen mishaps. It protects the insured person or company from things that happen to their property or business that are beyond their control. The term is most often used to refer to comprehensive car insurance. There are many types of comprehensive insurance. These include commercial insurance, worker's compensation insurance and personal insurance. However, comprehensive insurance for vehicles is the most common type. Most drivers with automobile insurance have comprehensive coverage. It is so common that the term "comprehensive insurance" is assumed to refer to comprehensive automobile insurance unless otherwise stated.

Function All comprehensive insurance policies have a coverage amount. This is the maximum the insurance company will pay to compensate the insured for a claim. This can be any amount. The higher the coverage the higher the comprehensive insurance premiums. With automobile comprehensive insurance, the standard coverage amount is usually $100,000. Customers can ask to raise or lower that coverage amount. Comprehensive insurance coverage is sometimes listed under "property damage" on automobile insurance policies. This is because the comprehensive insurance limit also applies to the collision coverage limit. Comprehensive insurance policies usually have deductibles. This is the amount the insured party must pay to settle a claim before the insurance companies contributes money. This prevents a comprehensive insurance policy from being used for small damages. With automobile comprehensive insurance policies, a $500 deductible is standard. Customers can ask to raise or lower the deductible amount. The higher the deductible, the lower the comprehensive insurance premiums.

Effects Comprehensive insurance policies pay for damages that result from things that are not your fault. They protect you from theft, fire, vandalism and most natural disasters. Automobile comprehensive insurance policies cover most things that could happen to your vehicle when you are not driving it. If something happens as a result of your negligence or your actions, other types of insurance like liability and collision are needed for coverage.

Considerations Insurance companies often exclude specific causes from comprehensive insurance policies. These can include things like flood, earthquake or mold. Always check the fine print of a comprehensive insurance policy so you know what is covered and what is not. If you are in danger of damage from an excluded cause, additional coverage can be purchased that provides insurance coverage for the specific danger.

Car insurance. Types of Car Insurance cover.

There are three main types of insurance cover, comprehensive, third party fire and theft and third party only. It is often worth getting quotes on different levels of cover and comparing the costs with the cover on offer.

Endsleigh can provide quotes on all three cover types through our panel of 40 insurance schemes. Use the banner above to get an immediate quote.

Comprehensive cover.

Comprehensive cover includes the same level of protection as Third party fire and theft but in addition includes protection for your car against accidental damage.

Accidental damage is that done to the insured's vehicle including malicious damage, and windscreen damage. Our policies also include extra cover such as personal accident cover, European driving cover and courtesy cars.

The ability to drive other cars is an extension that can be found on some policies. It is a misconception that this cover is only available on comprehensive cover. Often third party policies will also cover the policyholder to drive other cars on a third party basis.

The 'driving other cars extension' has eligibility criteria that differ from insurer to insurer but typically age and occupation are used to assess whether a driver qualifies.

It is important that you understand clearly the restrictions that apply to this cover. You should refer to your policy documents for these.

Third Party Fire and Theft Cover.

This protection offers the fire and theft cover in addition to the legal requirement of third party insurance.

The fire and theft cover will include an excess (commonly 100) which is payable in the event of making a claim. Please note that claims can also affect your no claims bonus and therefore next time you come to insure your car the cost of your insurance may increase.

Should your car be stolen or damaged due to theft or attempted theft you are able to make a claim. However, you will need to report the theft to the police.

Fire claims often occur directly as a result of theft but sometimes from vandalism or mechanical breakdown.

Third Party Cover.

Third party car insurance is the bare minimum level of car insurance required in the UK.

This cover essentially protects third parties (pedestrians or drivers) so they do not lose out financially should you injure them, or cause damage to their vehicle (not your own car).

Some car insurance companies are no longer willing to offer this level of insurance but at Endsleigh we have some schemes that still do offer Third Party Only cover. As the name suggests there is no protection for fire or theft with this cover and therefore it is normally purchased by drivers on a strict budget or with a low value car.

Sometimes this makes sense for younger drivers. When you consider that if a car costs just 500 and is stolen, although there might be no compensation to the younger driver for the loss of a car, their no claims bonus will be retained. A single year of no claims bonus might be more valuable than the combined excess and premium costs of buying third party fire and theft cover initially.

Essentially third party protection covers you for:

Liability for injuring other people (including passengers) Liability for damage to property (not your own) Liability arising from using a caravan / trailer, while attached to your car

Liability of passengers for accidents caused by them

TYPES OF MOTOR INSURANCE: MOTOR PACKAGE INSURANCE POLICY FOR TWO WHEELER: What is covered under Two Wheeler Insurance Policy:

The Package Policy covers

1. Accidental Loss of or damage to the Vehicle

2. Liability to third parties, Personal accident cover to owner driver.

3. Various Add on Covers on extra premium

Loss or damage to two wheeler caused by :

4. Accidental external means.

5. Burglary, House Breaking or Theft.

6. Fire, Explosion, Self Ignition & Lightening.

7. Earthquake, Flood, Storm, Landslide or Rockslide, Inundation, Terrorism, Riots, Strikes, Malicious Acts

8. Transit by Road, Rail, inland waterways, air or lift.

What is the Amount of Insurance: Top The amount of Insurance will be Insured Declared value of the Vehicle (IDV). IDV for vehicle less than five years old is the Manufacturers listed selling Price which is adjusted for Deprecation based on age of Vehicle. For vehicles beyond five years of age and obsolete vehicles, the IDV is mutually agreed value. How is Premium Calculated : The Premium calculation is based on the following factors:

1. IDV of the vehicle

2. Cubic Capacity of the vehicle

3. Zone of Registration

Age of Vehicle Additional Premium for :

(i) Electrical & electronic items

(ii) CNG/LPG FUEL

(iii) Add on Covers

(iv) Extra Benefit What is the Period of Insurance : Coverage period is for one year, however shorter duration covers are also available. What is not covered under the Two Wheeler Package Policy: Top 1. Damage by a person driving without a valid driving license

2. Mechanical or Electrical breakdown, failure

3. Damage by a person driving under the influence of liquor/ Alcohol/ Drugs

4. Depreciation, any consequential loss

5. Loss/Damage attributable to War/Mutiny/Nuclear risks

6. Damage to tyres/tubes, unless damage to the vehicle in the accident with liability maximum fifty percent of value.

7. Damage, outside India unless covered by extra premium for Nepal, Bhutan & Bangladesh, Pakistan, Sri Lanka &Maldives

8. Two Wheeler being used for Hire or Reward, speed testing, or Racing, Reliability Trials.

9. Loss of or Damage to accessories by Burglary, Housebreaking or theft unless the Vehicle is stolen at the same time. Discounts in Premium: Following Discounts in premium may be granted:

a) Voluntary Deductible b) Discount for anti theft Device c) If no claim is preferred in the expiring Policy, a Bonus or Discount named NO CLAIM BONUS is given on the Premium of the new Policy. d) Automobile Association discount What does liability to third parties means in the coverage: If the insured vehicle causes Injury/Death and/or Property Damage to a third party, the legal liability arising out of the same to a third party is covered under liability to third parties What is the Period of Insurance : Coverage period is for a year, however shorter duration covers are also available. Important Policy Conditions: Immediate Notice shall be given to the company in writing upon occurrence of accidental loss/Damage. The company at its discretion repairs, reinstate or replace the vehicle insured. Insured shall take all steps to safeguard the vehicle and company has the right to inspect it at any time. MOTOR PACKAGE INSURANCE POLICY FOR PRIVATE CAR: What is covered under Car Insurance Policy: Top The Private Car Package Policy covers

1. Accidental Loss of or damage to the Vehicle

2. Liability to third parties, Personal Accident cover to owner-driver

3. Various Add on Covers on extra premium

Loss or damage to private car caused by:

1. Burglary, Housebreaking or Theft

2. Fire, Explosion, Self Ignition & Lightening

3. Earthquake, Flood, Storm, Landslide or Rockslide, Inundation. Terrorism, Riots, Strikes, Malicious Acts.

4. Transit by Road, Rail, Inland waterways, air or lift.

What is the Amount of Insurance: The amount of Insurance will be Insured Declared Value of the Vehicle (IDV). IDV for vehicle less than five years old is the Manufacturers listed selling Price, which is adjusted for Deprecation based on age of Vehicle. For vehicles beyond five years of age and obsolete vehicles, the IDV is mutually agreed value. How is Premium Calculated: The Premium calculation is based on the following factors: Loss or damage to vehicle caused by:

1. IDV of the vehicle

2. Cubic capacity of the vehicle

3. Zone of registration

4. Age of Vehicle

Additional Premium for :

(i) Electrical & electronic items

(ii) CNG/LPG FUEL

(iii) Add on cover

(iv) Extra Benefit What is not covered under the Private Car Package policy: Top 1. Damage by a person driving without a valid driving license

2. Mechanical or Electrical breakdown, failure

3. Damage by a person driving under the influence of Liquor/Alcohol/Drugs

4. Depreciation, any consequential loss

5. Loss/Damage attributable to War/Mutiny/Nuclear risks

6. Damage to tyres/tubes of the Car, unless damage to the vehicle in the accident with liability maximum fifty percent of value.

7. Damage, outside India unless covered by extra premium for Nepal, Bhutan & Bangladesh, Pakistan, Sri Lanka &Maldives

8. Vehicle being used for Hire or Reward, speed testing or Reliability trials, Pace making , Organized Racing , any purpose in connection with Motor Trade. Discounts in Premium: Following Discounts in premium may be granted

a)Voluntary Deductible b)Discount for Anti Theft Device c) If no claim is preferred in the expiring Policy, a Bonus or Discount NO CLAIM BONUS is given on the Premium of the new Policy d) Automobile Association Membership discount What does liability to third parties means in the coverage: If the insured vehicle causes Injury/Death and/or Property Damage to a third party, the legal liability arising out of the same to a third party is covered under liability to third parties. What is the Period of Insurance : Coverage period is for a year, however shorter duration covers are also available. What does Policy pay in Loss on Accident OR Theft : In case of Partial damage the Repair/Replacement cost subject to deduction of depreciation and wreck value of parts. In case of theft or total loss the Insured Declared Value (IDV). The applicable excess is deducted in all claims. Important Policy Conditions: Immediate Notice shall be given to the company in writing upon occurrence of accidental loss/Damage. The company at its discretion repairs, reinstate or replace the vehicle insured. Insured shall take all steps to safeguard the vehicle and company has the right to inspect it at any time. EXTRA COVERAGES FROM "ORIENTAL" :

NIL Depreciation Cover

In claim of Partial Damages to the Vehicle the full value of parts shall be indemnified without applying Depreciation thereon however certain deductible shall be made as per terms of the Policy.The cover is available with additional Premium based on age of vehicle. Loss of Personal effects The Loss of personal effects(except monies, credit cards and Laptops, mobile) to the maximum of Rs.5000 or Rs.10,000, as the limits may be chosen, are paid when a loss becomes payable under own damage section of the policy. The cover is available with additional Premium of Rs 400 and Rs.650 respectively. Alternative Car Benefit Being deprived of the use of insured vehicle after its accident/theft, we alleviate the inconvenience by allowing benefit for use of an alternative vehicle for a limited period of time of 5,10 or 15 days with per day limit of Rs.400 or Rs.650 as opted and premium is charged accordingly, this benefit becomes payable when the vehicles gets damaged beyond 20% of IDV and is disabled. Free Benefit of Emergency Service through TVS: If the vehicle is insured through our offices in State of Delhi & NCR, Punjab, Haryana, Himachal Pradesh, Rajasthan, All Southern States, Mumbai and Kolkata the Policy provides free emergency services in case of Breakdown. This is free benefit available with the Policy with no premium charged.

Car Insurance Additional Benefits

There are various additional products you can add to your car insurance to give you extra cover and peace of mind. You choose the level of cover that works for you. Click on the options and have a look at the extras we offer you.

Car Insurance - Legal Cover Car Insurance - Personal Accident Plus Car Insurance - Protect your No Claims Discount Car Insurance - Courtesy Car Cover Car Insurance - Breakdown Recovery Car Insurance - Wrong Fuel Cover Car Insurance - Lost Car Key Cover Option

Legal Cover
If you get injured in a car accident that's not your fault, we'll pay up to 100,000 in legal costs to get compensation from the other person. You can also get your medical expenses refunded, along with any excess paid and out of pocket expenses because of the accident.

Protect your No Claims Discount

If you've had car insurance for one year or more and you haven't made a claim, you can get a "no claims discount". When you've got at least four years no claims discount you can protect it. It only costs a bit extra and it means if you have to make a claim, you keep your discount at renewal. It allows you to have one claim in a year or two claims in a three year period.

Breakdown Recovery
You choose what you need:

Swift Roadside gives you roadside assistance plus towing your car to your home or a local repairer if your car can't be fixed at the roadside. Swift Rescue will get you on the move or take you home or to your destination. Swift Rescue & Homestart has all the above plus it gets you sorted if you breakdown at home. Swift European also includes European cover for your car.

Included in all the above options, you get the following too:

Cost of alternative transport to complete your journey. Friends and relatives message service so they know how you are.

Please note that Breakdown cover does not include the recovery of a damaged vehicle following an accident. If you have Comprehensive car insurance cover then this is covered under your car insurance policy. If you have only purchased third party fire and theft then recovering your accident damaged vehicle is not covered.

Breakdown Recovery - in a nutshell

Swift Swift Swift Rescue Swift Roadside Rescue & Home Start European Up to half an hour's free labour for roadside repairs Yes Yes Yes Yes 24 hour garage callout Yes Yes Yes Yes Free recovery of your car, caravan & trailer to a Yes Yes Yes Yes repairer Help to arrange you to finish your journey Yes Yes Yes Cover for anyone else using your car with your Yes Yes Yes Yes permission Recovery for you and your car and caravan & Yes Yes Yes trailer within the UK Use of a hire car or overnight accommodation Yes Yes Yes Cover if your car breaks down at home Yes Yes European cover for car Yes Please refer to the Policy Terms and Conditions for full details of all benefits.

Personal Accident Plus

If you're seriously injured in your car, you need to be sure you're covered. If you lose your sight, lose the use of your limbs or even die in an accident that was your fault, you or your family can receive up to 100,000. Isnt it worth it for that extra peace of mind?

Courtesy Car Cover

If you have Fully Comprehensive cover, this provides an alternative car for a maximum of 14 or 21 consecutive days in any one instance and a maximum of 21 or 28 days in any one policy year depending on the level of cover chosen:

whilst your own car is being repaired because of any damage following a claim. until your claim is settled if your own car is affected by fire or theft or it is written off.

If you have Third Party, Fire and Theft cover, this provides an alternative car until your claim is settled if your own car is affected by fire or theft, for a maximum of 14 or 21 consecutive days in any one instance and a maximum of 21 or 28 days in any one policy year depending on the level of cover chosen.

Wrong Fuel Cover

Putting the wrong fuel in your car can be an expensive mistake, with some bills totalling thousands of pounds. Wrong fuel cover, which can be added to your car insurance, covers the cost of draining, flushing and replenishing your vehicles fuel system if you accidentally fill up with the wrong fuel.

Lost Car Key Cover

A lost or stolen car key can now cost a fortune to replace. We'll pay up to 300 for a new one, or up to 1,500 if the key cannot be replaced and your cars locks need to be changed. This valuable additional cover only applies within the UK, and also includes the cost of transporting your car to your home or our network of garages if required.