View and download policies, proposal forms, detailed wordings and 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.
Claims are rejected if the cause of damage or loss is foul play or willful damage or negligence.
Claims will be rejected if the driver is found to be driving under the influence of alcohol. This information is captured in the medico-legal documentation or FIR.
If the insured vehicle was damaged while being used for an illegal activity the claim will be rejected. A typical example is driving without a license.
Provide details of the policy number, details of the vehicle in question, copy of the policy report (where applicable), copy of the driver’s license.
Some add-ons to cover include: Road side assistance, Depreciation cover, Engine cover (hydrostatic lock), Damage of spare parts, Loss of keys, Personal accident cover and others.
Typical Exclusions are: Willful Damage, Driving without a Valid License, Driving under influence of Drugs or Alcohol, War and Terrorism.
We have specialized marine 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 ensures that your goods don’t sit idle at any stage.
We manage all aspects of your claim - from survey appointment to documentation to insurer follow-up.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.
Yes, fleet could be made for private cars or commercial vehicles or a combination of both. The ownership of these cars needs to be with the same entity.
Premium can be paid as and when the car gets added to the fleet. So, it is not required to pay the entire premium upfront.
The premium payable for your vehicle depends on the below factors:
Yes, the policy covers the driver of your commercial vehicle. However, you may be required to pay an extra premium for that.
Main advantages of a dedicated fleet insurance policy are as under -
Cashless Claim: In cashless claim facility, the repair charges of the vehicle are directly paid to the garage by the insurance company, provided the vehicle is repaired in their garage network.
Non-cashless/ Reimbursement: If the vehicle is repaired in a garage outside the purview of their network, then you will be liable to pay the repair charges of the garage. You can get your claim amount reimbursed by submitting the original bills and payment to insurance company.
