Whether commercial vehicles can be used as private vehicles? It is very common when the commercial vehicles are used for the private purpose i.e. social, domestic or pleasure purpose which is not covered unless...

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Registration of Commercial vehicles –Goods/Passengers Carrying vehicle  Any violation of MV Act can amount to repudiation of the Insurance claim.  All commercial vehicles are to be registered with Local RTO and all these vehicles...

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Coverage’s of Defect Design under CAR/EAR Under CAR policy, the design defect is not covered. Due to design defect, the loss /damaged may be to the property itself or property having the support of defect...

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Indemnity to Others under Public Liability  The Product and Public Liability policy is issued in the name of the business organization but under certain circumstances the Liability also arises against the officials of the...

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Liability Insurance-Claim made basis Vs Occurrence basis Any liability can be issued on any of these basis i.e. Claim made or Occurrence basis. In India, generally the policy is issued on Claim made basis but...

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Is it justified only Earthquake peril  for the Plinth & Foundations? Under the Standard Fire & Special perils Policy, the Buildings are either covered  above plinth level or when Plinth & Foundations are covered ,...

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Hidden warranties in Fire policy Before the de-tariffing of Fire rates, the policy wordings of almost all insurer's, used to be mostly uniform. However, in today's scenario of cut throat competition, majority of insurer's...

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Whether EAR or CAR policy? There are many queries is whether the insurance of any new project will be covered under EAR or CAR policy especially when Plant and Machineries are also part of...

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Public liability under LPG Dealers Policy The use of LPG is very common in every house hold and usage is prone to accident. There are two possibilities of an accident either at the time of...

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Assessment of Partial Loss under Marine Cargo Insurance? In case of partial loss, where the value of the goods are increasing with the covering the distance like in fruits and vegetables , the claim assessment...

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