View and download policies, proposal forms, detailed wordings, network hospital list etc.
See escalation matrix, send service requests, track progress, get acknowledgements etc.
Intimate claim, fill claim form, share documents, track status, get reminders etc.
Coverage against 12 risks under Standard Fire and Special Perils policy including Flood, Lightning, and Riot cover.
Additional cover available such as Earthquake, Terrorism, Impact damage to insured’s own vehicles.
Get reinstatement value for re-construction of the house after damage without depreciation being deducted.
Possible to enhance the sum assured every year to account for inflation.
Damage to electrical and electronic equipment due to internal short-circuit is not covered. However, fire damage to other property outside that equipment is covered.
Every occupancy is uniquely rated by insurers. Wrong classification can lead to repudiation. For example, if landlord does not disclose the occupancy of the tenant and policy gets wrongly rated, claims could be rejected.
Often incomplete or wrong address leads to claim dispute. For example, if insured fails to mention presence of basement, insured may deny claim arising in basement or may even allege non-disclosure of full risk.
This is the expected behaviour or precautions to be taken care by the insured. Examples of warranties include presence of fire extinguishing appliances, presence of AMC in case of electronic equipment.
Insured should inform the insurer immediately on discovery of loss. Insured should only undertake loss minimization expenses and not repair affected items before an inspection by an insurer appointed surveyor.
Possible to take additional comprehensive covers specific to movable assets such as Jewelry, and Electronic Equipment.
Loss or Damage to insured property caused by war or war like operations, willful act or negligence of the insured, gradual damage e.g., seepage.
We have specialized underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.