Get a quote, buy a policy and use our Myzone to store your insurance details & records, Customer care Zone for underwriting & claims serving and Advicezone to learn on various topics in the insurance practice.
You should insure your contents for the amount it would cost you to replace them as new.
Yes if any item is worth more than Rs.10000, it would be a right thing to notify these items and their values. "Valuables" mean
Coin, stamp or medal collections valued over Rs.10,000
Articles of gold, silver, other precious metals
Jewellery, gemstones, pearls
Furs, watches
Audio, video and computer equipment
Telescopes, binoculars, photographic equipment
Musical instruments etc.
Yes. Pedal cycle can also be covered under contents cover against all risks. If the bicycle is stolen from your home or accidentally damaged you can claim under this insurance.
If you have saved a quote and entered a password you can retrieve your quote using the retrieve quote button at left top side of the home page. If you have done a quote but not saved it you will need to enter your details again.
You should allow 5 working days for any documents that you request from us. These will be sent in the post.
Not at present. But insurers may consider no claims discount dependant on how long you’ve had home insurance and been claim free in the future.
Yes. You derive the rights to insure it as a tenant.
Yes. As a owner of the property you can insure your building but not the contents of your tenants. However, you can insure contents if you own anything in the building or allow the tenant to insure such conternts.
Yes if all individual flats are occupied as residence. Other wise you can not insure online and approach the insurer thro’ us.
Yes, you can take insurance for content alone.
Yes. Cover is provided once payment details have been taken and processed and starts from the start date you have entered.
Yes. Either as owner or as a tenant.
You can pay using your credit card.
You can rest assured that if any claim does happen, you will have immediate access to our claims service. Please call 04426564188
Various insurance firms offer buildings, contents, personal possessions as home insurance options online. In addition, there is the option to include accidental damage cover to buildings and / or contents. The personal possessions section covers the everyday items that you take outside of your home, such as jewellery, clothing, watches and any other items you normally wear, use or carry. If you require cover for your pedal cycles cover or breakdown cover for home entertainment equipment and other appliances can also be covered. But you need to give more description such as make, model, serial number and the individual value if it exceeds Rs.5000
This is the cover you need to protect the physical structure of your home, and permanent fixtures such as wardrobes, modular kitchen units and bathroom suites, against fire, lightning, explosions, earthquakes, riots, theft, subsidence, storms and floods.
You can also include number of additional covers in order to have your properties protected properly
Yes, you can insure your home and its contents if the business use is confined to routine paperwork, telephone calls and computer work. If any other types of business activities are carried out from your home you can not do it
Yes. The policy provides cover based on re in statement value basis and hence you need to work out the re-build cost with the help of a authorised valuer and ensure that the RIV is maintained thorough out the policy period.
Generally, moveable furniture and fittings, home appliances, jewelry items, Audio Video equipments etc. They are all covered for loss or damage from fire, lightning, explosions, earthquakes, riots, theft, subsidence, storms and floods. In addition the policy covers accidental damages to glass panes, sanitary fittings etc. It's all covered on a new-for-old basis with the exception of your clothes.
Yes, providing you have a credit card we can issue you with immediate cover and this is subject to normal terms and conditions.
We will ask you to save your quote with a password to ensure that no one other than you can view or alter your personal details. This password will enable you to access your personal details and save you having to enter them again.
Comprehensive covers damage to your car as a result of accident, fire or theft as well as riot, strike, malicious and terrorism cover as a package. You are also covered for third party damage if you have an accident and also personal accident cover for the death of policyholder. Third party fire and theft covers damage to your car as a result of fire or theft only and covers for third party damage if you have an accident.
If you have bought insurance online you will receive an e-mail containing a motor cover note, your copy of proposal form and a receipt for the payment made. Subsequently you will receive the policy from the insurer.
Few insurers propose to provide a replacement vehicle following an accident as long as an approved repairer is used, subject to availability. Few insurers provide a cash allowance in lieu of courtesy car on the same lines as described above. Our claims department will be able to confirm these details for you.
If a policy excess is applicable, it is payable to the repairing garage upon completion of repairs as the difference between the eligible claim and the actual claim
Yes if you are involved in a no fault accident and there is a third party to claim from. But the legal process is involved is cumbersome and not worth attempting it.
You can have urgent remedial repairs completed under the provisions of towing charges for spot repair and the removal of the vehicle, but you cannot repair damage caused by the accident without consulting your insurance company first and obtaining their agreement and approval.
You can request changes online, by selecting the customer carezone area and enter the required changes.
Your no claims bonus is a reward for remaining claim free. It rises on a scale up to 4 years. The more bonus earned the cheaper your premium will be. Your no claims bonus can be protected, this facility is normally available when you have been claim free for 2 - 3 years.
You are not required to submit any proof to claim your no claims discount as this is an online transaction but you would sign the declaration at the time of completing your online questionnaire that you are eligible for the next slab of discount. This will be verified by the policy issuing insurer from your previous insurer. If your declaration is found to be false you will forfeit your insurance and no refund of premium will be made to you.
Yes. You can take your NCD to another company only when it is not currently being used on another vehicle, NCD can only be used for one vehicle at a time.
Yes. If you have previously driven a company car assigned to you, not a pool car, the insurer may be able to offer you a NCD when the vehicle is transferred on your name and you are able to supply a letter from your employer to confirm this information.
The policy must have been issued by an admitted insurer and a proof of the same is produced with complete information, Indian Insurers may allow based on the certificate.
Not at present but few insurers may introduce shortly.
No Claims Discount protection is available to policyholders with either 2 or 3 years No Claims Discount. If Purchased you will not suffer any loss of No Claims Discount even if you make claims subsequently but with certain conditons
Yes subject to modifications being incorporated in your RC book and in your insurance policy.
Yes We will provide an insurance provided it is found in our data base. Age restrictions and valuation of the imported cars may affect your online insurance but however you can call us to get an off-line quote from insurers. Call 044-2654188
Yes but it will be two policies and hence two online transactions.
Yes, you will still be able to obtain a quotation without the registration number. Please fill in the relevant fields such as the engine number and the chassis number in order to complete the process.
If you have saved a quote and entered a password you can retrieve your quote using the retrieve quote function in the left side of the insuranzone home page. If you have done a quote but not saved it you will need to enter your details again.
Yes. But be aware of the MV act provision.
If two or more cars in your household are insured with one insurer they give you a discount on the second and subsequent car insurance policies. This benefit is yet to introduce.
Yes and you can transfer your No Claim discount to the new car
If you are buying a new car and want to transfer your existing policy over, you would need to contact us at our customer services department and amend your current policy. There may be a variation in price and a change in the underwriting criteria for the new car, but this will be discussed with you.