Insurance we can help you with
Plain explanations of each cover. Plans, benefits and premiums depend on the insurer, so ask us which options are available at this office and we will go through them with you.
Motor insurance
Every vehicle on the road needs at least third-party cover by law. A comprehensive policy also pays for damage to your own vehicle.
- Third-party liability: injury or damage you cause to others.
- Own damage: accident, fire, theft and natural calamities.
- Optional add-ons vary by insurer, so ask what is on offer.
- A claim-free year usually earns a discount on the next renewal.
What we will ask for
- Vehicle registration certificate (RC)
- Your previous policy, if you have one
- Driving licence and ID proof
Health insurance
A hospital stay can use up years of savings. Health insurance pays eligible hospital bills up to the sum insured, and many plans offer cashless treatment at network hospitals.
- Individual plans, or one floater plan for the whole family.
- Check waiting periods, especially for existing conditions.
- Check room-rent limits and any co-payment.
- Buying early usually means lower premiums and fewer limits.
What we will ask for
- Age of each person to be covered
- Any existing illness or past surgery
- The sum insured you have in mind
General insurance
General insurance protects what you own and what you could be held responsible for, against sudden loss. It is different from life insurance, and it is usually taken for one year at a time.
- Covers things like your vehicle, health, property, business and personal accidents, depending on the policy.
- Renew on time, because most policies end on a fixed date.
- Read what is covered and what is left out before you buy.
What we will ask for
- What you want to protect
- Its approximate value
- Any existing policy and its end date
Shop and business insurance
Stock, furniture, machines and cash can be lost in a fire or a break-in. A business policy helps you restart without borrowing.
- Fire and allied perils for the premises, stock and equipment.
- Burglary and theft cover.
- Optional cover for injury to customers and for employees, depending on the insurer.
What we will ask for
- Type of business and address
- Value of stock and equipment
- Any existing policy
Fire insurance
A fire can destroy a building, its contents or a business in a day. Fire insurance pays for loss or damage caused by fire and the other risks named in the policy.
- Usually covers fire and lightning, and can be extended to cover risks such as explosion, storm, flood or riot, depending on the policy.
- For houses, shops, godowns, factories and their contents or stock.
- Choose a sum insured that matches the real cost of rebuilding or replacing, not a guess.
What we will ask for
- Address and type of building
- What is inside, and its value
- Any existing policy and its end date
Personal accident cover
Pays a fixed benefit if an accident causes death or permanent disability. It is meant to keep the family going when income stops.
- Simple cover, usually with a low premium.
- Check exactly which disabilities are covered and how much is paid for each.
What we will ask for
- Age and occupation
- The benefit amount you want