Yes, the credit score of an individual does have an effect on the premium paid for the insurance policy. As per the regulatory associations, a direct correlation is established between credit score and the individuals who are involved in an accident and policy getting canceled due to non-payment. Thus, for lower credit scores, premiums are higher.

The basic home insurance policy provides limited coverage to valuable jewelry. You may buy a Personal Articles floater plan. Such a plan provides additional protection cover for higher-value jewelry. To get proper information on how much your basic home insurance policy cover, you can contact our branch office or call on our toll-free number.

Your home insurance policy does not cover the loss incurred on your car in spite of being parked inside the property. You need to have a comprehensive physical damage cover on your motor vehicle policy to get insurance coverage on your car.

Yes, using your Debit/Credit Card, you can make the payment for your car insurance premium online.

Purchasing a Health Insurance policy as per the needs of all your family members provides cover from the unexpected and sudden expenses incurred due to hospitalization. If you do not have a health insurance policy, you may end up paying huge bills and causing a huge dent in your savings. Any of us can have to face a medical emergency, for which treatment costs can be very high. Your health insurance policy provides cover in any such contingency to you and your family.

Every insurance company has tie-ups with various hospitals throughout the country as part of their network hospitals. Under the cashless facility as provided by the insurance companies, an insurer can avail treatment in any of the listed hospitals of the company. In such a case, he would not have to pay the hospital bills as the insurance company would make the payment directly to the hospital. However, in case your hospital bills are beyond the limit of the policy taken by you, you will have to settle the balance payment yourself. A cashless facility is not available for treatments outside the network hospitals.

You can renew your policy by paying the premium within the Grace Period of 30 days of the expiry date of the policy.

You can make any number of claims during the policy period if there is no specified capping prescribed under your insurance plan.

While purchasing a home insurance policy, discuss with your insurance broker about what all is covered under the policy. You may also inquire about the optional coverage like an earthquake, flood or fire, etc. Then take a decision about the policy that is most suited to your needs.

Professional liability is the form of insurance that provides you and your staff protection against negligence claims regarding the delivery of your professional services. General liability provides you protection against claims regarding physical injury and damage to property.