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The vehicles are insured for a fixed sum known as the Insured Declared Value (IDV). IDV calculation is based on the manufacturer's listed selling price of the vehicle plus the listed price of any accessories (less depreciation for each year) according to the schedule specified by the Indian Motor Tariff IDV. Insured Declared Value is the current market value of the vehicle that starts depreciating when it comes out of the showroom. IDV is the compensation amount if the vehicle undergoes total loss or theft
A No Claim Bonus (NCB) is a offered to insured who did not make a single own damage claim during the policy period. You can get benefits accordingly when you do not file any OD claims and keeps increasing with consecutive claim-free years up to 50%
An add-on will provide additional protection to your insured vehicle at an additional charge for the entire policy period
Yes, all are the same. Bumper-to-Bumper Motor Vehicle Insurance covers all parts of the insured vehicle during an accident
This is written evidence of the agreed change to the policy. If the insured needs to buy more coverage or change the existing insurance policy, they can approach the insurance company to make the necessary changes through an endorsement
As long as the insured of the vehicle is same, the No Claim Bonus (NCB) is transferable. An NCB certificate from the existing insurer will be required to transfer the NCB to another vehicle. One can get the NCB transferred within 90 days of their previous policy expiration date
Note: The NCB cannot be transferred from one insured to another
Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.
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