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Who is insured, insurer and third party?

  • Read more about Who is insured, insurer and third party?

Insured is the client who the policy holder. Insurer is the insurance company.

Third party is the person or the property who or which got affected due to the accident.

What are the types of accidents?

  • Read more about What are the types of accidents?

If our client, who is responsible/liable for the accident means, it is faulty accident.

What is no claims bonus?

  • Read more about What is no claims bonus?

As per IA, if the client does not have any accident or did not claim means, he/she can avail 10-20% no claims discount on the premium/minimum premium.

What is loading and when it is applicable?

  • Read more about What is loading and when it is applicable?

There is basic premium for all the motor policies based on vehicle models and type of insurance policies. Loading is applicable when the client falls under certain categories like less than 1 year driving license, less than 25 years old, above 65 years old etc.,

What is the period of motor insurance policy?

  • Read more about What is the period of motor insurance policy?

Any motor insurance policy should be 13 months as per insurance authority.

What is passing paper?

  • Read more about What is passing paper?

After first 3 years from brand new, the vehicle has to be tested whether it is road worthy or not every year. This process is done be RTA and it mandatory for all the vehicles.

What is third party plan?

  • Read more about What is third party plan?

In third party policy, client’s car will not be covered at all. If he/she faces an accident due to their fault, client has to repair the car on their own.

What is comprehensive plan?

  • Read more about What is comprehensive plan?

If client faces an accident, if it at fault or non-fault, client’s car will be covered under the insurance policy and he/she can get the car repaired as per the insurance companies’ procedure.

What is private vehicles and commercial vehicles?

  • Read more about What is private vehicles and commercial vehicles?

Private vehicles are the types which is basically cars used for private and pleasure purpose. Commercial types of vehicles have all the type of vehicles which is used for business purpose.

What is the premium?

  • Read more about What is the premium?

Premium is the amount payable by the insured to avail the insurance policy.

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