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World of lights Ashraf

World of lights Ashraf

Service Provider | Ernakulam, Kerala

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MOTOR INSURANCE We cover Motor vehicle which includes private cars Motorised two wheelers and commercial vehicles excluding vehicle running on rails. Who can insure? Owner o the vehicle Financiers or Lessee who have insurable interest in motor vehicle. Insured’s Declared Value (IDV) (a) In case of vehicle not exceeding 5 years of age the IDV has to be arrived at by applying the precentage if depreciation specified in the tariff on the showroom price of the particular make and model of the vehicle. (b) In case of vehicle exceeding 5 years of age and obsolete models (manufacture of those vehicle which have been stopped by the manufacture) they have to be insured for the prevaling market value of the same as agreed to between the insurer and the insured. Package Policy - Section I Section I (Own Damage - OD) of Package Policy: Section I of package policy covers loss or damage to the vehicle and / or accessories due to  Accidental external means  Fire Self ignition lightning
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