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What is covered under a comprehensive insurance? |
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Comprehensive Policy covers the following perils. |
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Accidental damage to the vehicle. |
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Fire explosion and self-ignition. |
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Malicious damage to the vehicle. |
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Third Party Property damage within specified limit. |
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Third Party bodily injury - Any amount the insured is legally liable to pay. |
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Additional perils such as Strike, Riot, Civil Commotion, Terrorism, natural disaster, Personal Accident Benefit etc can be obtained. by paying an additional Premium. |
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| 2) |
If I buy a vehicle for a sum of Rs.1, 200,000/= but I want to insure it for Rs. 600,000/= what will the premium be? |
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The premium will be calculated according to your requirement. But the estimated value should always be the current market value, therefore if you insure it for Rs.600,000/= and in the event of an accident you can claim only up to 50% of the cost of the claim, because you have insured only 50% of the value. |
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| 3) |
I have bought a car from Mr. X and he gives me his insurance policy. Can I use his insurance to cover any losses/ damages / liability that may arise when I use this vehicle? |
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The comprehensive cover cannot be transfered from Mr. X to you but the 'third party bodily injury' cover will be valid for a period of 44 days. |
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| 4) |
My vehicle has met with an accident. How do I get about making a claim? Can I repair it and send the bills for payment? |
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The procedure in the event of a claim is as follows: |
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Immediately call our 24 Hour hotline and intimate the claim |
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Inform the police (A requirement as per the law of the country) |
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Get an estimate from AVIVA NDB approved garage or a garage of your choice and call us for an inspection |
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Hand over completed claim form (can be collected from the Motor assessor, garage or any AVIVA NDB branch) and copy of the driving license. |
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You cannot commence the repair until one of our Motor assessors inspects your vehicle and approves the estimate. |
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| 5) |
If my vehicle is on lease contract, is it possible to obtain a third party cover? |
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No, if your vehicle is subject to the following, you cannot obtain a third party cover: |
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On lease contract. |
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A person or an institution having financial interest on your vehicle. |
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Only a comprehensive insurance cover can be obtained in such an instance. |
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| 6) |
My vehicle is on lease contract and is insured with you. If I request to reduce the value, delete SRCC(Strike, Riot and Civil Commotion) and Terrorism cover - is it possible? |
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As the Policy is assigned to a leasing company we need the leasing company's written approval to delete these covers. (The current value should be the market value.) |
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| 7) |
If the vehicle belongs to a friend and he is using it, is it possible to take an insurance cover in my name? |
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You should be the legal owner or should have recognized ownership of this vehicle. If you do not have any of these, you cannot obtain an insurance policy in your name. |
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| 8) |
I have a private car, which is insured with your company. Can my son who has a valid driving license drive my car? |
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Yes, if you have 'any driver policy' or if you have nominated your son as a 'named driver' in the policy. |
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| 9) |
My vehicle is insured with you and my children want to learn to drive using this vehicle. Can they use it or not? |
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Any person who is eligible to obtain the license can learn in your car, but you should inform AVIVA NDB with the following details and an appropriate Endorsement (amendment) should be obtained.
Name and Age of the learner
(This cover is given by charging an additional premium.) |
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Please contact AVIVA NDB Insurance PLC for further details |
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Motor Insurance