Insurance Delhi

Netaji Subhash Place, Delhi

We are one of the most reliable Service Providers of Two Wheeler Insurance service from New Delhi. Two Wheeler Insurance covers you against liability damages and unexpected repairs. Two Wheeler Insurance covers damage or accidental loss to own car, or to a third party. One should compare several Two Wheeler Insurance deals to get the best deal.  
Coverage under Two Wheeler InsuranceCoverage under a motor insurance policy can be classified under 2 broad categories :

• Third Party Two Wheeler Insurance and
• A comprehensive package policy

If the vehicle covered under the policy accidentally injures or damages someone's property, Third Party liability helps cover for any cover and any legal liability resulting from accident of your vehicle. It includes injury, death or property damage. All two wheelers owners in India need to have third party liability as per the Indian Motor Vehicles Act.
Comprehensive Package Policy is a full package cover providing protection against damage to vehicle, third party damage, and a personal accident cover for the driver and pillion passenger.

Commercial Vehicle Insurance helps all commercial vehicle drivers to reduce losses they might incur due to damage to their vehicle. Commercial Vehicle Insurance also gives them protection against any legal liability from accidental damage / injury / death. Commercial Vehicle Insurance covers both the doors carrying vehicle and the passenger. In a few cases, insurers also cover the loss to the shipment being transported. Further, we are a major Commercial Vehicle Insurance agent from New Delhi.

Features and Benefits :A typical vehicle insurance policy covers damages to third party and to self car but the products by a few private insurers offer a large number of other utilities to the policyholders, like :

• Direct settlement or cashless claims at network garages
• Depreciation cover
• Engine protection cover
• 24X7 road side assistance
• Towing Facility

Insurance Delhi is a credible Marine Insurance service provider from New Delhi. We provide insurance services for Marine Cargo Insurance, Marine Business Insurance, Personal Watercraft Insurance, Factory, Shops and Office Insurance, and Towing and Salvage Insurance. Marine Insurance policy, offered by us, covers Bodily injury to watercraft occupants, Uninsured boater coverage, watercraft rentals, and Fishing excursions. Additionally, this policy covers damage incurred from any kind of hit and ensures the protection of ships, cargo or properties. We offer our clients with reliable and stable Marine Insurance Consultancy Services.

We are one of the leading Commercial Fire Insurance providers from New Delhi, India. It is pivotal to get adequate insurance cover for your business to mitigate risk. Commercial Fire Insurance covers any damage to a commercial establishment and its belongings by fire. We provide Commercial Fire Insurance plans which have low premiums and offers complete coverage of the insured goods and property. Further, we are also capable of settling the claims in short time period.

Home Insurance is a kind of property insurance that covers a private residence and may also include content of home or loss of other personal possessions of the owner of home. Insured should fill up the claim form after a loss after which claim adjuster will investigate the claim. We offer the best deals on Home Insurance, and can help you in settling such claims in a short period of time. Further, we are a notable Home Insurance service provider from New Delhi.

Motor InsuranceMotor or vehicle insurance’s principal use is to provide financial protection against physical injury and other legal damages or legal liability towards third party arising from traffic accidents. It covers cars, trucks, motorcycles and other road vehicles. It also gives security to the vehicle against theft/robbery or any harm done to it by causes other than traffic issues.
The insurance offers coverage for drivers, passengers and people not in the vehicle but have been injured some way or the other because of it. This indemnity is absolutely essential for the security of your new automobile as it includes loss caused by accident, fire, lightning, self ignition, external explosion, burglary, trespassing or theft.
You might ask why you should choose HIBL Financial Services. There are numerable additional benefits that our company provides to the customers. We have unique add on covers and we settle your claims in not more than 7 days. Moreover we cover your full without any harassing deduction on the value of the replaced parts. We give you warranty of 6 months for accident repair cases. We corroborate with special garages and recommend direct settlement. This cover is accessible to vehicles that are not more than 3 years old and is applicable for at the most 2 claims during the entire policy period.
This cover pays the difference between the claim amount to be obtained and the price at which the vehicle had been purchased as per invoice. Under it the No Claim Bonus can be preserved. The reason why our Insurance service is one of the best ones in the present market is we cover various unusual instances too. It pays the amount spent in replacing lost or stolen keys or forcibly broken locks. Besides if your automobile breaks down due to accidents our insurance policy will pay the charges of overnight stay and taxi fare.
A 24 x 7 contact centre is available to everyone for lodging claims and different queries. We take special care of each customer and your pains and sorrows are treated like it’s ours.
Benefits :The services help you to offset the cost of :
    Body injuries to yourself or others    Lost wages because of injuries    Benefits to survivors due to accidental death    Repairs made to the vehicles due to damages caused in accident

A standard motor insurance or better known as a Car Insurance is usually the insurance coverage mandated by law to drive on the road. Thus, it primarily covers you against liability damages and unexpected repairs. These liability damages can be of two types. First is when a bodily injury has been caused to a third person. Second is where the property of a third person and own car is involved.
Car Insurance refers to coverage for an accidental loss or damage to own car, or to a third party. While choosing for a suitable Car Insurance policy, a person should always look to compare the premium for various insurers so as to know if he has got the best deal or not. Further, we are a prominent Car Insurance service provider from New Delhi.

Coverage under Car Insurance :Coverage under a motor insurance policy can be classified under 2 broad categories :

• Third Party Car Insurance and
• A comprehensive package policy

In case of an accident if the vehicle covered under the policy accidentally injures or damages someone's property, Third Party liability helps cover for any cover and any legal liability resulting from accident of your vehicle. It includes death, injury or property damage. As per the Indian Motor Vehicles Act all car owners in India need to have third party liability.
Whereas, Comprehensive Package Policy is a full package cover which provides protection against third party damage, damage to vehicle and a personal accident cover for the car driver and its occupants.

Car Insurance Claim Process :With large number of insurers entering the auto insurance industry, the service designs have undergone revisions too. Many insurers today just like health insurance also offer Cashless Claim settlement at a host of garages across the country.
All you have to do is to note the nearest garage and ask them for help from them and they directly coordinate with the insurer. In case the car is not fit to be driven in these networks of garages, ensure that your vehicle can be towed to them.

Compare Car Insurance :A very few Car Insurance policyholders know that by doing a simple comparison, they can save up to 55% on their car insurance premium. These savings comes to them by checking the OD Discount, the profession of the owner of car, age of the driver and few other parameters. Thus before going for the next renewal, just do a simple comparison of several car insurances. Just call our helpline and our executive will assist you.

We are a trusted Professional Indemnity Insurance provider from New Delhi, India. Professional Indemnity Insurance for doctors covers legal liability arising from errors and omissions on the part of Registered Medical Practitioners (RMP) while rendering professional service to their patients.

Who can take this policy?

• Doctors and medical practitioners such as physicians, surgeons, cardiologists, pathologists etc.
• Medical establishments such as hospitals and nursing homes, as a result of error or omission committed by any named professional or qualified assistants engaged by the medical establishment

Marine Insurance rnrnInternational business carries with it significant risks. The importing and exporting of goods can expose you to massive financial losses should your international shipments be damaged or destroyed in transit. rnrnMarine Cargo Insurance not only provides the best protection for your cargo, but also understands the importance of swift response and efficient service in handling your claims. rnrnCatering to both importers and exporters needs, the coverage is comprehensive and flexible with international shipments protected from the time the goods leave the sellers warehouse until they reach the Buyers warehouse. rnrnThe party usually responsible for insuring the goods is determined by the sales contract. To help you familiarize yourself with the Buyers and sellers responsibilities, We can extend its experience in respect of the most common sales contracts, i.e. ex-Works, Free on board (Fob) , Cost and Freight (CFR) and Cost Insurance and Freight (CIF). rnrnThe Marine Cargo Insurance offers four types of covers: rnrn Institute Cargo Clause (C): Named Peril basis.rn This is the most restricted clause and covers only: loss or damage reasonably attributable to rnrno Fire or explosion rnrno Vessel or craft being stranded grounded sunk or capsized rnrno Overturning or derailment of land conveyance rnrno Collision or contact of vessel craft or conveyance with any external object other than water rnrno discharge of cargo at a port of distress and loss or damage caused by General Average Sacrifice / Jettison rnrn Institute Cargo Clause (B): Named Peril basis.rn This cover is similar to C Clause, but in addition covers: rnrno Earthquake, volcanic eruption or lightning rnrno Washing overboard rnrno Entry of sea, lake or river water into the vessel, craft, hold, conveyance, container, liftman or place of storage rnrno Total loss of any package lost overboard or dropped whilst loading onto, or unloading from, vessel or craft rnrn Institute Cargo Clause (A): The widest form of cover under Marine Cargo Insurance in so far as it relates to the perils covered. ICC (A) is an unnamed perils clause. rnrn Institute Cargo Clause (Air). rnrnrnrnrn Extensions rnrnrnrn Various clauses can be added on depending upon the nature of the goods being carried. The Institute Cargo Clauses comprise a range of covers from the most comprehensive ones such as (A) Clauses to the basic minimum protection available termed (C) Clauses. rnrn Additional cover can also be provided for the following: rnrn Loading and Unloading rnrn Customs duty rnrn Removal of debris rnrnrnrnrnrnTypes of policies rnrnrnrn Policies are customizable to your needs, with a specific policy to cover each single consignment. There are also other various types of policies: rnrnrnrn Open Policy - This policy covers all the marine sending of a client in a 12 month policy period where the voyage involved is within a country (domestic/inland) rnrn Open Cover This policy covers all the marine sending of a client in a 12 month policy period where the voyage involved is import or export rnrn Specific Voyage or Time Policy - These policies are issued to firms that require coverage for a specific voyage. It is suitable for those firms who seldom require marine cargo policies in the course of their trade.rnrn These policies are issued on a "from and to" basis and the cover commences once the goods leave the place of origin named in the policy and terminates on delivery at the place of destination.rnrn Sometimes these policies are also issued in terms of duration of the voyage, in which case the cover commences on the date and time specified for the same in the policy. Inland specific transit will exclude terrorism. rnrn Duty Insurance Policy - Customs duties form a major part of the cost of imported goods. Once the goods land at the port of destination custom, duty becomes payable.rnrn In case the goods are damaged during the transit from the port to the importer's warehouse, the CIF value is not sufficient to represent the actual value of the goods since the custom duties should have already been paid.rnrn This additional element of cost can be covered by a duty Insurance Policy. Claims under a duty policy are only payable if the claim is otherwise admissible in the marine cargo policy covering the goods. rnrn rnrn Sellers Contingency Policy - In almost all export transactions where credit is allowed by the seller to the Buyer and the goods are not exported on CIF basis, responsibility for the goods passes to the Buyer when the goods are loaded on to the overseas vessel. but ownership does not change until the Buyer accepts the goods and relative documents.rnrn Thus, if the seller is allowing credit to the Buyer and has shipped goods on FOd terms, where the responsibility for loss or damage to the goods is passed to the Buyer when the goods are loaded on to the overseas vessel, the seller has no control over the conditions of the insurance cover arranged by the Buyer.rnrn In the event of loss of or damage to the goods in transit from a peril insured against and the Buyer refusing to pay for such loss or damage, the seller could stand to lose financially. Seller's Interest or Contingency Interest cover could help to prevent this.rnrn The cover is normally arranged as an extension of FOd cover. The seller's interest cover in effect retrospectively reinstates cover, as per Institute Cargo Clauses as provided for in the policy and allows the seller to be protected in an area where he has no control over the insurance arrangement. rnrnrnrnrnrn E-marine We Have The facility which provides any time marine certificate issuance facility to clients/ intermediary. This facility is provided free of cost and can be availed by any one who Buys open marine cover or policy from Insurance Delhi. rnrnrnrnrnrnExclusions rnrnrnrn This policy does not cover loss or damage due to willful misconduct, ordinary leakage, improper packing, delay, inherent vice, war, strikes, riot and civil commotion.