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Types Of Vehicle Insurance In India

Today, anybody and everybody, has insurance of some sort. Either they believe in insuring themselves and their loved ones, or in insuring their vehicles! In India and in most other places, vehicle insurance is mandatory. The amount your vehicle can be insured for varies depending on the insurance companies and the insurance brokers.
In India, there are several types of vehicle insurances. Companies in India offer insurance at four levels.

1.Fully comprehensive vehicle insurance- This is by far the most expensive insurance, yet the most common type, as it covers all the possible damages and costs that your vehicle may incur. This type of vehicle insurance proves to be advantageous as there is no need to produce proof of the damage to claim the insurance amount. Thus, if your vehicle is damaged or stolen in your absence, then you can still approach the insurance company.

2.Third Party insurance- This type of insurance carries a comparatively cheaper premium and insures against damages and legal claims when you are at fault and have hit a third party. The insurance company is not responsible for any other scratches or occurring that takes place with your car.

3.Specialized car insurance- This type of insurance refers to any car that is over 25 years old, as vintage cars have different needs and requirements. Similar to a comprehensive auto insurance policy, the only difference between the two is that you are limited to an x amount of miles in a given year.

4.Third Party Fire and Theft insurance- Befitting to its name, this insurance covers the costs of your vehicle in case of fire, theft, accident, etc. However, in case of an accident, the insurance company will only pay up if you are at fault and have hit another car and not vice-versa.

In order to go forward with insuring your car, you need to carefully go through the various schemes offered by different insurance brokers. Each insurance broker has a scheme that offers one policy better than the other. A way of going about the entire process would be to patiently go through all the possible offers, look out for the best premium offered and then insure your vehicle. Today, online access to insurance schemes makes the process a whole lot easier.

Five Crazy But Common Car Insurance Exclusions

Five Crazy But Common Car Insurance Exclusions

You buy your car insurance, you glance at the policy documents, and you assume you’re covered for all eventualities where your car is stolen or damaged. Think again.

Read through your policy documents in detail. Some insurers don’t cover injuries to passengers aged over 75. Others won’t pay out if your car is stolen by someone who deceives you into handing over your keys. A small number won’t cover damage to your car that’s caused in a road rage incident. It’s common industry practice not to provide gap insurance, so if your car is written off or stolen, you won’t receive the full amount you paid when you bought your car.

Every car insurance policy includes some exclusions. Many of the exclusions would be extremely frustrating if they happened to you, and you then discovered that you’re not covered by your insurance firm. Some of them are downright crazy. Five of the most crazy but common car insurance exclusions are:

1. Nuclear Fallout
If Britain was wiped out by a nuclear bomb and you managed to survive, you wouldn’t receive a pay out from your insurer for the damage caused to your car. This is not only because the insurance firm will probably have been destroyed in the blast; it’s because it’s standard practice for motor insurance policies to exclude damage caused by nuclear fallout.

The same applies if your local nuclear power plant explodes and destroys your car, or if your car is contaminated by radioactive waste: you will not be compensated for the damage caused.

Currently this exclusion applies to policies bought from almost all the major motor insurance firms, including Admiral, Direct Line, Aviva, Churchill, Saga, Prudential, Sheila’s Wheels, and Co-operative Insurance to name a few.

2. UFOs
Most car insurance firms will not pay out if your car is damaged by pressure waves from aircraft travelling at or beyond the speed of sound. This includes damage caused by sonic and supersonic UFOs from outer space.

If you are zapped by an alien laser-beam while driving on the motorway, your insurance firm is unlikely to cover your injuries or the damage to your car. This is because such aggression would be considered an act of war. Car insurance firms usually exclude cover for damage caused by war, civil war, acts of a foreign enemy, or revolution.

Currently this exclusion applies to policies bought from almost all major car insurance firms, including Direct Line, Aviva, Admiral, Churchill, Saga, Prudential, Sheila’s Wheels, and LV=.

3. Car Stolen by Jealous Husband or Wife
Motor insurers will not provide cover if your car is taken without your permission by any member of your household or family. This includes your spouse or partner, your children, your parents or a lodger in your home. The only exception to this rule is if you report your car as stolen to the police, and prosecute the person who took your car in court.

Currently this exclusion applies to policies bought from almost all major motor insurance firms, including Direct Line, Admiral, Co-operative Insurance, Sheila’s Wheels, and LV=.

4. Earthquakes
Fortunately for us Brits, the UK is not prone to earthquakes or tremors. However, were the worst to happen and the ground opened up and swallowed your car, or even if a less violent earthquake shattered your windscreen, it’s probable that your insurer would refuse to pay out.

A small but significant number of car insurance firms do not cover for damage caused by earthquakes. Admiral is the most notable insurer with this exception. Other insurers who refuse cover for earthquakes include Saga, Prudential, and Sheila’s Wheels.

As well as looking out for earthquakes, remember to check your insurance policy documents for the phrase “acts of God”. Sheila’s Wheels breakdown service, for example, cannot be held liable if they leave you stranded by the roadside because of an “act of God”.

5. Blind Drivers
Unsurprisingly, there is not a single insurance firm who will provide cover for drivers who can’t see. This is never stated explicitly in insurance policy documents, but insurance companies cover their backs by saying they won’t pay out for claims resulting from damage caused by “unlicensed drivers”.

Being unable to get insurance or a licence wasn’t enough to stop one blind person from getting behind the steering wheel. In 2006, 31-year-old Omed Aziz was banned from driving for three years and given a suspended jail sentence after police caught him driving on the wrong side of the road.

This exclusion seems to apply to policies bought from almost all motor insurance firms.

How do you make sure you’ve got the best possible insurance cover for your car? Firstly, don’t just choose a policy based on price. Research what’s covered and what’s excluded by each company you’re considering. Secondly, if the level of cover you want isn’t available from standard car insurance firms, consider taking out extra insurance, such as gap insurance, from a specialist insurer.

Car insurance exclusions are usually not that hard to find, you just need to have a look at the rarely-read policy documents.

To be sure you’re not hit by a nasty surprise when you need to make a claim, make some time to read through policy documents when choosing your car insurance. Most insurance firms make their policy documents available online as a free download.

Online Vehicle Insurance What You Need To Know

Vehicles are convenient means of transportation used to move people or cargo from one place to another place. Cars, two-wheeler, trucks are different types of vehicle.

Different categories of Online Vehicle Insurance

Private Car Insurance offers essential protection to cars against damage due to an accident, theft or natural disaster like earthquake, flood, cyclone etc. Car Insurance covers the car, owner and third party liability (damage to others property or injury to others).

Two wheelers are essential and convenient means of travelling as it is more affordable to common man. A two wheeler insurance protects the vehicle and also the rider against repair expenses or medical cost arising due to a mishap to the insured or vehicle.

Commercial Vehicle Insurance covers heavy duty vehicle such as trucks which transports cargo and is used to serve business need. Any accident to these vehicle cause huge loss to the owner owing to the damage of the vehicle and loss of cargo. Online Vehicle insurance provides all round protection against bodily damage, third party legal hassles etc.

Vehicle Insurance provides an additional protection to the co-passenger in case death or injury as result of an accident.

Second hand vehicle also enjoys same benefits as brand new vehicle.

Features not covered by Online Vehicle Insurance

Vehicle Insurance do not offer benefit to the insured if an accident has occurred due to negligence of the owner driver.

If found that the insured was driving under the influence of alcohol or any other intoxicating drugs, the claim for insurance is rejected.

In case of private car insurance, the car has to be used only for private and not commercial use such as taxi.

Insurance company out rightly rejects claims if the vehicle is damaged due to criminal activity.

Normal wear and tear of the vehicle, loss due depreciation and deliberate accidental loss are not accepted as claim for benefits by the Online Vehicle Insurance.

If an insured vehicle is driven by an unknown person who do not possess a valid driving license, the claim for coverage will not accepted by the insurance company if the vehicle is damaged as a result of accident caused by the unauthorised person.

No Claim Bonus is one of attractive benefit provided by an Online Vehicle Insurance Company. A percentage of discount is given on the premium if paid to the insured for not claiming any benefits for previous years.

This is an appreciation shown to the owner-driver of the vehicle for careful and safe driving over the year. This motivates to engage in safe driving.

Buying online vehicle insurance is convenient from the aspect of saving time. Also discounts may be availed based on offerings received from the insurance company. The premium can be compared across varied insurance company before making them purchasing decision. It is also hassle free, does not involve paper work and can be purchased conveniently using internet banking.

For more information visit: Online Vehicle Insurance and No Claim Bonus.

Ways to Save on Car Insurance for Your Renault

According to the World Car Market, Renault is one of the top ten car brands in the world today. With such a quality investment, it’s important to get the right insurance. Even with the growing number of online comparison sites, it’s not always easy to find the right level of cover at an attractive price. Here are some tips that might help you save money on car insurance for your Renault:

1. Don’t hesitate to switch insurers:

There are plenty of people who stick with the same insurer for twenty years. Perhaps they’re happy with the service they’ve obtained in the past, or maybe they like the speed with which their insurer processes claims. That’s fine – if you’re 100% happy with your current insurer, by all means hang on to them. However, if your reason for staying with one company has more to do with apathetic inertia than customer satisfaction, you could be paying too much by not bothering to investigate the competition.

2. Add your most responsible female family member as a named driver on your policy:

The more good drivers that are designated ‘named drivers’ on your policy, the better the insurer likes it. If the added driver is a female with a long, clean driving history and no previous claims, that’s even better. From the insurer’s point of view, adding a responsible driver to your cover helps spread the risk. If the risk is reduced, there’s a chance the cost of your premium may be too. It doesn’t actually matter if this person hardly ever drives your Renault.

3. Practice the fine art of bargaining:

Always ask for a cheaper price on your premium. If you own a smaller car like a Renault Twingo, your insurance shouldn’t be costing you as much as what your neighbour pays for his Hummer. If it is, you need to do some serious negotiating (or find another insurer).

Once you’ve sorted out the fine details and your insurer has provided a price, it’s time for some haggling. The trick is not to ask for too much of a reduction (5-10% is reasonable), because you’ll probably get an outright refusal. Also, if you try the ever-popular “Insurer B will insure me for 20% less” assertion (which you’ve just made up), the person in front of you will suspect that either (a) you’re not a very nice person for lying to them, (b) you are a bit silly for not grabbing that other insurance, or (c) you must have been quoted a very basic, no-frills policy which you’ll be very sorry about later. Most car insurers have a pretty good handle on what everyone else in the business is charging, so don’t assume you know more on the subject than they do.

Even if you only get a premium reduction of 2%, that’s better than nothing. Polite haggling has become more socially acceptable, so don’t be afraid to try it with the car insurance for your Renault.

4. Be sure to provide the insurer with all your good news:

If you have never had to make a car insurance claim, this is something your insurer should know. If you recently completed an advanced driver safety course, this too may help reduce your premium.

Citizens Auto Insurance Michigan

In United States, there are indeed several insurers that use the word “Citizens” for their companies names. One of the most popular among all of them is the Citizens Insurance Company of America. It is based in Michigan and a subsidiary of The Hanover Insurance Group, hence Citizens Auto Insurance Michigan. Although the companys headquarter in Howell, Michigan, it operates in many regions of the Midwest.

Basic Auto Coverage

The Michigan auto insurance is based on no-fault policy. That means your insurer will pay for all the necessary medical cost, rehabilitation expenses, and even provide reimbursement for lost wages in case you are incapacity to work due to road accidents for up to three years. The no-fault policy is considered as the most generous type of insurance policy because it provides payout regardless of who is at fault in the accident. The main purpose of such regulation is to prevent lawsuits being filed in the case of accident unless someone is severely injured or killed. It simplifies things.

Car insurance in Michigan is one of few that apply this no-fault regulation. Currently, there are only 12 states in the country providing the benefit. The official website of Citizens Auto Insurance Michigan does not provide information about this because all information about coverage, discounts, etc., is available at The Hanover Insurance Groups website.

The basic auto coverage liability requirement for drivers in Michigan includes PIP (personal Injury Protection), Property Damage, and Bodily Injury. Auto Citizens Insurance Michigan, however, does not limit your options to those basic policies. Optional coverage is available, but you may need to check for it at the official website of The Hanover Insurance Group. Among all options provides, the Connection Auto feature allows you to customize your coverage depending on what you need. This feature has some good options for example Roadside Assistance, Travel Right Endorsement, Rental Coverage Upgrade, Extended Non-Owned Auto Coverage, and more.

FSR and ICR

Based on last years report, Citizens Auto Insurance Michigan has been affirmed to have an “A” (Excellent) financial rating by A.M. Best, a reputable independent insurance reviewer. The rating was for the parent company, but it also applied to all of its subsidiaries. The FSR (Financial Strength Rating) and ICR (Issuer Credit Rating) of “A” have been confirmed to many of its subsidiaries including Citizens Insurance Michigan (Citizens Insurance Company of America).

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Obtaining Insurance 20 Ideas For The Cheapest Auto Insurance

Auto industry expert George Hoffer said hello best, Bush will be foolish not to loan vehicle deal makers cash from whats left for the $700 billion TARP money, because somewhat be spending cash anyway in readjustment costs if i was to throw 750,000 or maybe people underemployed.

Part C – Uninsured Motorist Insurance policies plan. This part of your’ policy should protect through bodily injury losses when you find yourself hit by an uninsured motorist or by popular and run driver. In most states you can also have property damage covered seeking include it on your’ policy by endorsement.

Remember to include in your claim everything inside your loss states. If it is totaled then positive will soon you may be entitled towards sales tax and registration fees.

The multiple quote web site will want information personal vehicle, driving record, and private information. That necessary to be able to get precise quote. It’s very important regarding accurate because any error may be all you need of an explanation for some insurance company to deny a state.

In fact, the coverage is not just what could. Technically, the cover is a combination of collision and comprehensive coverage, which translates to , the damage is covered on your motor vehicle.

Improve your credit – Credit rating report get a an affect on the associated with your auto insurance. If own better credit the greatly predisposed you in order to save finance. If you have credit rating you is going to have to pay 30-40% just above if your credit is good. By enhancing your credit score and making payments on time you will probably less for auto program.

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The conditions referred to above are the most commonly spoken orThat the associated with drivers on the highway. It is more common in motor insurance, in fact are specific to california. The best way to discover is want for the first state holiday to the website of community DMV.

Things to Consider when Buying Auto Insurance

Vehicle insurance is something you must have these days; while buying auto insurance you have to select the best product for your requirements. There are many vehicle insurance, car insurance and commercial trucking insurance products out there; all the products have some merits and demerits. You have to choose the right one otherwise it will not be of any use.

There are certain aspects of vehicle insurance; you should consider those facts while selecting auto insurance policy. These rules are applicable for any type of vehicle insurance actually. When you are looking for commercial trucking insurance you should also check these things. This way you can find out the best vehicle insurance available in the market.

If you start searching for vehicle insurance without knowing these facts; anybody can sell any insurance product to you. There is no point in allowing others taking advantage of your lack of knowledge. A little bit of research and homework can actually save a lot of money and offer long term benefits.

Here are some points that you should consider while buying auto insurance or commercial trucking insurance.

Claim Processing — How easy it is

You have to ask your friends, your acquaintances or you have to research online at various social media platforms to know how quick the company is when it comes to processing claims. Most of the insurance policies work excellent until you place a claim. This is the most important part of an insurance product and you have to check it from a reliable source. No payout or delayed claim processing is no way different from being uninsured.

Consider the Deductible Amount

This is another important thing that you should take into account while buying auto insurance. There is a deductible amount associated with vehicle insurance; it means you have to pay a specific fund when an accident occurs. You should know this amount before purchasing commercial trucking insurance or any other type of vehicle insurance. This may vary from company to company. You can go with the one that has a low deductible, at least initially. Later on you may decide to increase the amount and get some savings on the quote.

Upfront Fees — A major thing to consider

Insurance is becoming expensive day by day; you have to see if there is any upfront cost associated with it. You can also save some money by choosing the product with reduction or deduction on the initial amount.

Apart from these things, you should also look for the reputation of the company. There are many insurance companies offering several vehicle plans. Chances are high that you would get overwhelmed when you start shopping. Go with the company that is reputed and has a good track record. You can check with local authorities, ask your acquaintances or search on the internet to find some real feedback about the provider. You can also check the merits and demerits of the insurance plans you have shortlisted. If you are unable to decide which plan is to choose, ask questions on popular insurance forum; let the experts help you choose the right auto or commercial truck insurance.

Travel Insurance Tips For Dummies

Travelling abroad neednt fill you with worry, but its important to be covered just in case the worst does come along. Flight cancellation and loss of baggage or passport are some of the more trivial things that could happen while your away, but you could also find yourself in a very sticky financial situation should you or one of your group become ill or suffer an accident. Outside the EU, medical expenses wont be covered, while even inside the EU you may need to pay for transport home or private treatment. Taking out the correct travel insurance policy can cover you against all of these misdemeanours, and give you peace of mind while youre away. If youre looking for the best travel insurance deal for this summer, then take a read of this article for some tips for finding the best policy.

Check What You Already Have
If youre a premium customer with a bank or credit card company, then chances are that youll already have travel insurance included. This is particularly likely if youre paying a monthly fee for your banking. Make sure you check this out with your bank and read the small print of the deal it might not be valid outside of the EU or if you have special circumstances, but a phone call should clear this up. If you dont have a policy already, then it really pays to shop around. Its easier to do now thanks to the web all you really need to do is key travel insurance into a search engine, flick a few of the results and enter your requirements. Price comparison websites are particularly useful, so if you filter through a couple of these then youll be on the right track.

Special Clauses
Anyone with special conditions can get quoted ludicrously high amounts from most traditional insurers. People with histories of serious illness or disability, and those who are pregnant or over sixty-five can all find themselves struggling to justify the cover price. Make sure you have an EHIC card (when travelling within Europe) and check out specialist insurers that may be able to give you a better deal. If you find the cover to still be unaffordable, then the price may drop if you ask the insurer to exclude pre-existing conditions; though its then your call on the risks of going abroad with limited cover. Also, the EHIC card wont cover you for everything. In fact, it will only give you as much medical cover as a local citizen in your destination country it wont cover you for luggage loss or plane ticket cancellation.

Dont Over Cover
When searching for a policy, its important to understand what kind of cover you need. If you just take the first policy you find, youre likely to either be substantially over insuring yourself, or perhaps even under insuring. Be particularly wary of premium insurance deals offering extremely high amounts of cover when you dont really need it. For instance, do you really need 50 million worth of medical insurance cover? The answer is almost certainly not. In fact, its probably best to go for something more towards the 2 million mark for maximum medical expenses cover, while you should go towards 1 million for personal liability. Flight cancellation is also worth considering too no one wants to be in the nightmare scenario of not being able to go on holiday for whatever reason, but then having to stump up for it anyway.