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Different Types Of Auto Insurance By Mansi Gupta, Mon Jan 2nd
Nowadays auto is the ideal way to ensure a good lifefor yourself and your expensive vehicle. Auto keepssafe your huge amount of money spent on your automobile. But onthe same hand, auto is also quite expensive. Howeverthere are different types of auto policies availabletoday. It is at an individual's discretion which policy he canafford to adopt.
1.Fully Comprehensive Auto Policy Types- though thispolicy is the most expensive one yet it is the most widelyadopted type of auto insurance. This is so because the insuranceprovides compensation or covers all sorts of cases such astheft, accident, wear and tear etc. If unfortunately an accidentoccurs where you were not at fault while the other driver whodid the accident does not disclose his and his insurancedetails; you ought not to worry. For being a policyholder of thefully comprehensive program, you can register an claimagainst your company. But while taking this policy oneessential thing should be borne in mind. There are a few autoinsurance companies that do not insure your vehicle 100% of itsvalue but of 80% or so. Even though many companies defend theirpolicy as a measure to prevent themselves from fraud cases etc.yet try your bets to find the agency that insures your vehicle100%.
2.Third Party, Fire and Theft- this type of isbasically meant for those car owners who have had finished theircar loans but still admire, cherish their car and have greatsentiments attached to it. This policy is somewhat akin to thefully comprehensive one but not identical
Bajaj Allianz life says no plans for IPO Bajaj Allianz Life Insurance Co Ltd has no immediate need for additional capital and is not planning an initial public offer.http://economictimes.indiatimes.com/Bajaj-Allianz-life-says-no-plans-for-IPO/articleshow/5296740.cmshttp://economictimes.indiatimes.com/Bajaj-Allianz-life-says-no-plans-for-IPO/articleshow/5296740.cmsThu, 03 Dec 2009 13:14:38 GMTBajaj Allianz life says no plans for IPOBajaj Allianz life says no plans for IPO India Post ties up with ICICI Prudential Life India Post on Thursday entered into a tie-up with ICICI Prudential Life Insurance Company to expand its services portfolio to the customers.
http://economictimes.indiatimes.com/India-Post-ties-up-with-ICICI-Prudential-Life/articleshow/5295956.cmshttp://economictimes.indiatimes.com/India-Post-ties-up-with-ICICI-Prudential-Life/articleshow/5295956.cmsThu, 03 Dec 2009 10:08:49 GMTIndia Post ties up with ICICI Prudential LifeIndia Post ties up with ICICI Prudential Life Tata-AIG's add-on motor insurance covers In May this year, Tata-AIG General Insurance launched eight add-on motor insurance covers, post detariffing that took effect in January 2009. http://economictimes.indiatimes.com/Tata-AIGs-add-on-motor-insurance-covers/articleshow/5294309.cmshttp://economictimes.indiatimes.com/Tata-AIGs-add-on-motor-insurance-covers/articleshow/5294309.cmsWed, 02 Dec 2009 23:06:24 GMTTata-AIG's add-on motor insurance coversTata-AIG's add-on motor insurance covers Query corner Our PF expert helps you traverse the uncertainties in the Financial world. Email YOur QUERIES to etquery@indiatimes.com.http://economictimes.indiatimes.com/Query-corner/articleshow/5282783.cmshttp://economictimes.indiatimes.com/Query-corner/articleshow/5282783.cmsSun, 29 Nov 2009 21:06:01 GMTQuery cornerQuery corner Claims wipe out a third of terror pool Insurance firms handing out cheques for the last one year have discovered the grim truth that the 26/11 attack has wiped out almost a third of the money that was pooled in to meet terror claims.
http://economictimes.indiatimes.com/Claims-wipe-out-a-third-of-terror-pool/articleshow/5269513.cmshttp://economictimes.indiatimes.com/Claims-wipe-out-a-third-of-terror-pool/articleshow/5269513.cmsWed, 25 Nov 2009 18:53:30 GMTClaims wipe out a third of terror poolClaims wipe out a third of terror pool Tata AIG Life launches child ULIP Private insurer Tata AIG Life on Wednesday launched a unit-linked life insurance plan (ULIP) for children's education, InvestAssure Superstar.
http://economictimes.indiatimes.com/Tata-AIG-Life-launches-child-ULIP/articleshow/5268973.cmshttp://economictimes.indiatimes.com/Tata-AIG-Life-launches-child-ULIP/articleshow/5268973.cmsWed, 25 Nov 2009 15:26:34 GMTTata AIG Life launches child ULIPTata AIG Life launches child ULIP Apollo DKV to scale up biz, network, launches new health insurance plan Apollo DKV has launched a new health insurance scheme and drawn up plans to scale up its business and the network of offices in the next couple of years to garner a good share of the growing market for health insurance.
http://economictimes.indiatimes.com/Apollo-DKV-to-scale-up-biz-network-launches-new-health-insurance-plan/articleshow/5268654.cmshttp://economictimes.indiatimes.com/Apollo-DKV-to-scale-up-biz-network-launches-new-health-insurance-plan/articleshow/5268654.cmsWed, 25 Nov 2009 13:30:22 GMTApollo DKV to scale up biz, network, launches new health insurance planApollo DKV to scale up biz, network, launches new health insurance plan HDFC Standard Life eyeing 10-15% growth HDFC Standard Life, which is gearing up for an IPO, has seen over 40% of its business come through various Bancassurance schemes. http://economictimes.indiatimes.com/HDFC-Standard-Life-eyeing-10-15-growth/articleshow/5261556.cmshttp://economictimes.indiatimes.com/HDFC-Standard-Life-eyeing-10-15-growth/articleshow/5261556.cmsMon, 23 Nov 2009 13:38:53 GMTHDFC Standard Life eyeing 10-15% growthHDFC Standard Life eyeing 10-15% growth LIC restructuring Ulip costs to protect agent commissions Life Insurance Corporation of India is looking to increase the minimum premium payable and minimum lock-in order to adhere to the expenses cap norms brought in by Insurance Regulatory Development Authority.
http://economictimes.indiatimes.com/LIC-restructuring-Ulip-costs-to-protect-agent-commissions/articleshow/5260721.cmshttp://economictimes.indiatimes.com/LIC-restructuring-Ulip-costs-to-protect-agent-commissions/articleshow/5260721.cmsMon, 23 Nov 2009 09:41:01 GMTLIC restructuring Ulip costs to protect agent commissionsLIC restructuring Ulip costs to protect agent commissions IRDA may cap CEO salary at Rs 1.5 crore Insurance regulator IRDA is mulling to put a cap of Rs 1.5 crore on the annual salary of chief executive, which could be paid from the policyholders? fund. http://economictimes.indiatimes.com/IRDA-may-cap-CEO-salary-at-Rs-15-crore/articleshow/5259341.cmshttp://economictimes.indiatimes.com/IRDA-may-cap-CEO-salary-at-Rs-15-crore/articleshow/5259341.cmsMon, 23 Nov 2009 02:07:57 GMTIRDA may cap CEO salary at Rs 1.5 croreIRDA may cap CEO salary at Rs 1.5 crore LIC makes plans to keep agents' commissions for ULIP intact In order to keep agents' commissions for ULIPs intact, LIC is looking to increase the minimum premium payable and minimum lock-in order to adhere to the expenses cap norms brought in by IRDA.http://economictimes.indiatimes.com/LIC-makes-plans-to-keep-agents-commissions-for-ULIP-intact/articleshow/5258400.cmshttp://economictimes.indiatimes.com/LIC-makes-plans-to-keep-agents-commissions-for-ULIP-intact/articleshow/5258400.cmsSun, 22 Nov 2009 17:37:18 GMTLIC makes plans to keep agents' commissions for ULIP intactLIC makes plans to keep agents' commissions for ULIP intact
to it. For like thelatter the former covers cases of theft, accident, fire etc. butin case of an accident you can receive compensation only whenyou were at fault and had hit another car. So if any other carhits yours or you by mistake bang t in the garage, the insurancecompany will not come to your financial aid.
3.Third Party Insurance- it is the that is thecheapest of all and covers only cases of accident where you wereat fault and hit a third party. The company is not tobe contacted in case of any other mishappening with yourvehicle. This policy is generally preferred by thosewho own an old and less pricey car or any other vehicle.
4.Specialized Car Insurance- is basically for cars categorizedas classic, those that are 25 years old. These cars are insuredas classic and so accordingly they have their requirements andservices. The classic car insurane policy can be said to be asgood as the comprehensive one but the only drawback associatedwith it is that it limits the policy taker to a limited numberof road miles he can drive in any given year.
Ultimately it is at the discretion of every individual whichpolicy he desires to take. It is advisable to sort out one'srequirements and budget and also make a survey of the autoinsurance policies in the market before actually grabbing apolicy.
About the author:Mansi gupta writes about affordable auto insurancequote .
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