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.
Total protection against legal obligations, thus minimizing risks associated with running your fleet.
Administratively simple and more affordable that provides maximum risk coverage to a fleet of cars, buses and heavy duty vehicles.
Get expert assistance to perform a complete risk analysis pertaining to your business, and then suggest you the best plan for commercial vehicle insurance that will offer maximum protection, at the same time give you real value for money.
Get the advantage of auto renewal reminder service that will alert you just in time so that your business continues to stay protected
Claims are often rejected If it is revealed during the claim investigation process that the cause of damage or loss to the vehicle is due to foul play or will full act of negligence, the claim is likely to be declined.
In case the driver of the vehicle is found guilty of driving the vehicle under the effect of alcohol, such claims shall not be entertained.
If the insured vehicle had incurred damages while being engaged for an unlawful activity and this fact is revealed during investigation, the indemnity shall be rejected.
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), cover for 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.
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.