Basically, the purpose of all insurance is to protect yourself or your family against the financial impact of a tragedy


The advantage of going to an agent is that an honest and competent one can review your situation and make suggestions. The advantage of going on your own is that you usually pay less for the same amount of insurance


Types of Insurances:


LIFE INSURANCE


AUTO INSURANCE


HOMEOWNERS' INSURANCE


APPLIANCE PROTECTION INSURANCE


HEALTH INSURANCE

Any light motor vehicle used for social, domestic and pleasure purposes and for the insurer's business.


1(a). Loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act. 1(b). Riot and strike; terrorism; earthquake; flood, cyclone and inundation 1(c). whilst in transit by rail, road, air, elevator, lift. Perils under 1(b) can be deleted and a discount in premium availed. 2. Liability for third party injury/death, third party property and liability to paid driver. 3. On payment of appropriate additional premium, loss/damage to electrical/electronic accessories, PA cover for drivers, insured or any named person, unnamed passengers can also be taken. 4. Certain discounts in premia are also available.




Act Liability

1. Death or bodily injury to third parties 
2. Death or bodily injury to any person carried in the car provided they are not insured Employees and not carried for hire or reward
3. Liability to paid driver - As per W. C. Act
4. All costs and expenses incurred with company's written consent