Marine cargo insurance is an important risk mitigation tool available to manufacturers, traders, exporters and importers who move goods within the country or overseas. It affords protection to the owner of the goods against loss or damage to the
Marine Hull Insurance offers protection to shipowners against loss or damage to their ships. However, other parties such as charterers, shipbuilders, bankers / financiers etc. can also cover their interests under various types of insurances.Types of
Loss of hire or revenue, which is usual for shipowners, is not available in the Indian market. Traditional loss of hire products available in international markets trigger only when a vessel owner suffers financial loss caused by any of the perils
Accidents can cause physical injury, disability or death. A personal accident insurance plan offers 24-hour world-wide protection against all these. The sum insured and premium depends on the occupation and earnings of the person buying the policy.
A medical emergency can drain a person both financially and emotionally. A health insurance policy can ensure reimbursement of expenses or cashless treatment when you or your dear ones fall ill. It covers pre- and post-hospitalisation costs.An
Invest in a home insurance plan to secure your home against natural and man-made disasters.What can be Covered
Fire and allied perils including natural perils like an earthquake, flood etc. (for building and contents)
Burglary and housebreaking
Travel insurance can save valuable time and energy when on the go. It can protect you against any untoward incidents and risks. It also covers unforeseen situations such as passport loss, flight delay, and baggage theft during transit.Types of
Vehicle insurance gives complete protection against loss or damage to your vehicle and death or bodily injury to a third party arising from natural and man-made calamities. It can be bought for private cars, two-wheelers, three-wheelers and
This policy is designed for companies that sell their goods and/or services on credit to domestic/overseas buyers. It provides coverage to companies for outstanding receivables that are within approved credit terms, thereby protecting the insured
We handle treaty programs and facultative reinsurances for domestic as well as international clients. Our large network of associates in Lloyds and other international markets guarantees competitive terms for our clients, for any class of business
Covers business premises such as a godown, factory or office. The policy can be taken on the full value or on first loss basis. The policy covers loss or damage to the property insured by theft following actual, forcible and violent entry into the
Covers the employer for any direct financial loss he may suffer as a result of employees’ dishonesty. The basis of fidelity guarantee originates from the employer and employee relationship or a fiduciary relationship where confidence or trust
Covers loss of money in transit between the insured’s premises and bank or post office or other specified places, due to robbery, theft or any other fortuitous cause. It also covers loss from burglary or housebreaking when the money is at the
Crime insurance indemnifies the insured against any loss sustained due to the fraud or dishonesty committed by any employee (acting alone or in collusion with others); or a fraudulent act committed by any other person which is committed with the
Cyber insurance is an insurance product used to protect businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities. It indemnifies against loss of
How to lodge a claim
Take immediate measures to extinguish fire and minimise loss
Call for fire brigade assistance and lodge an FIR with the nearest police station
Intimate the broker/insurer about the fire, and provide policy numbers and
Basically there are two types of process in Health Claims – Cashless claims & Reimbursement claims.Cashless Claims
For claim on cashless basis, the insured should get admitted to network hospitals of Third Party Administrator
How to lodge a claim
Immediate intimation to the insurance company or survey agents mentioned in the insurance policy / certificate
Do not give a clean receipt when goods are received in unsound condition
Give a notice in writing to the carrier or
There are three types of claims for personal accident: Death, Permanent & Partial Disablement, Temporary disablement claims.
In case of any accidental claim, intimate the claim to the insurer in writing or give a call at the toll free number of
There are mainly three types of vehicle claims: Accident claims, Theft claims and Third party claims.Cashless ClaimIn case of damage to the vehicle
Take the vehicle to the Cashless garage for repairs as far as possible. They will register the
