Motor Insurance Claim for your Vehicle – A Simple Process

To make a motor insurance claim for vehicles if there is an accident is easy. It is a simple two to three step process to ensure you peace of mind in your hour of need. The first step is to call a customer service centre to register your claim and get a registration number for future reference. Information such as your contact number, policy number, vehicle number, time and date of accident, nature of damage incurred, if there is an injury are recorded.

All motor insurances companies have tie ups with garage networks which offer you cashless facility for servicing your vehicle. A surveyor would be appointed to check the vehicle at the garage and give approval for the repair. The vehicle would be handed back to you post your satisfaction on the repair done. If you choose to repair your vehicle at one of the garages in the network of the motor insurance company, the claim is settled directly at the garage. You might have to just pay for the damage that is not covered under the insurance or which is not related to the accident.

Alternately, you can repair the car at any garage you want to and get back the amount spent as reimbursement. This reimbursement can be obtained only once the repairs are done and your have submitted your bills to the motor insurance company’s claims department.

The motor insurance claim process is smooth and has been kept easy for the convenience of the customer. Your motor insurance policy would cover claims if there is damage to your vehicle due to a natural calamity like fire, flood, earthquake or cyclone. Accidents, riots, strikes or terrorist activities are also covered by a motor insurance claim. Insurance for damage during transit by road, rail, air or inland waterways are provided by the insurance claim process. The next circumstances are of -voluntary excess’ or -deductible’. It is a definite sum of money an insured, which, is you, choose to bear if there is an accident and the rest is insured under the policy.

Motor insurance companies also compensate for injury or death of the driver or owner of a car which is insured, damages caused to a third party during an accident, third party property damaged, etc. Motor insurance policy excludes common damage to the car, mechanical or electrical breakdown, damage incurred outside the country or damage caused at the time of driving under the influence of alcohol. Your claim would not be welcome if the accidental damage to the car and property has happened due to any of the exclusions mentioned by the motor insurance company.

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It is very essential to have a car insurance policy. Author Pranav Sharma is an experienced insurance professional and widely read expert on general insurance based in Mumbai. Pranav helps readers opt for best car insurance policy in India.

Value Of Car Insurance Policy

Importance of car insurance in India

According to motor vehicle act states that all the vehicles running in communal places should have Car insurance policy basic motive to cover third party liability.

There are two forms of policies for motor insurance

Third party car insurance policy
Comprehensive car insurance policy

Difference between these two policies

Comprehensive Car insurance policy also covers loss or damage to the vehicle itself by way of accident in addition to third party accountability and specified dangers, whereas Third party Car insurance policy answerable for the loss of vehicle owner or damage to life or property of the third parties.
Mode of insurance premiums

The car is not insured for reinstatement value and depreciated value

The tariff governed the finest rates for car insurance in India for all the companies that are operating here.
At what value car is to be insured – Depreciated value or reinstatement value?

The vehicle is to be done insured at the previous value in the local market for a related type of car for a same model
What factors are to be kept in mind for deciding the premium for car insurance?

On the basis of cubic capacity, usage of car, area of procedure and the cost of car projected for insurance make a decision about the premium to be paid.
What amount the insurance company pays at the time of an accident?

In situation of a mishap, the insurance organization makes payment for the cost including the labor cost and also the price of injured parts which can be replaced.

Bonus system

At the time of any accident for which a claim is registered in the occurring year on insurance organization, in the very next year, the insurance organization transfers the premium by technique of charging extra premium.

Minimum/ maximum percentages of the Bonus

The least amount Bonus is 20 percent & maximum is 65 percent.

What happens to the Bonus at the time of sale and transfer of vehicle?

Till the time he can argue bonus on next purchased motor vehicle, the bonus goes with the original owner.

What is exactly Voluntary excess?

It is totally client’s decision for paying firm amount of liability from each claim & for this car insurance organization offers a concession in premium.

Difference between voluntarily excess and compulsory excess

At the time of voluntary excess, client decides the reduction in premium on the other hand excess is imposed compulsory by the car insurance company. This will help you to take correct decision.

Know about what is high risk Auto Insurance

Automobile insurance is mandatory for a car owner in India. An individual can’t drive legally if they don’t possess auto insurance. A wide coverage auto insurance policy covers every risk. It indemnifies an insured in an accident by paying for damages to own car plus damages for repairs of third party vehicle damages. You can buy additional coverage by paying extra premium. You can buy personal accident insurance and third party property damages along with your motor insurance. Auto insurance quotes are also affected by coverage provided by the insurance policy.

Well, everyone is not a sound driver and many people have less than flawless driving records. Therefore, high risk automobile insurance is specially meant for drivers having high risk. More and more people are falling in high risk driver category these days due to which high risk auto insurance is getting popular. But you may be curious to know how an individual is judged as a high risk auto driver. r.

A driver who has received numerous tickets from traffic authorities due to faulty driving along with history of auto accidents or violations is considered as high risk auto driver. Further, you are considered a high risk auto driver if you are a young driver. Due to being high risk auto driver, you are charged more for an insurance policy while a standard auto driver is rewarded with lower premiums.

Automobile insurance is generally very costly for such type of drivers. But you should understand that high risk auto insurance works similarly as a standard insurance policy. Cheap auto insurance is usually enough for a standard driver with lower coverage as high risk drivers have a greater probability to make an insurance claim. But difference between a standard auto insurance and high risk auto insurance lies in the coverage provided by each type of insurance policy.

The goal of high risk auto insurance is to eventually make you a safer driver and to help you regain status of being a standard driver. An individual falling under high risk category can also save money on insurance and can buy cheap auto insurance. All you need to do is to obtain maximum auto insurance quotes as possible which can be done online. Online auto insurance quotes are generally cheaper as compared to offline medium. Online insurance providers provide various comparison tools and help you getting multiple quotes on a single platform making it easier for you to buy insurance policy meeting your insurance motives and requirements.

Utb 650 Tractor Spare Parts,tractor Parts,utb Tractor Parts

WINDSOR is one of the leading Manufacturer & supplier of spare Parts, components and assemblies for automotive application, having a vast sales network in many markets in Africa and South America.

Windsor was founded in early 1996 with the desire to make available world class aftermarket auto Parts that are produced in India. Our target, though difficult, was clearly defined. For any requirement from abroad our target was to achieve the Quality, finish and packaging standard of the best brand available in that particular market. We Tran scripted the product through metallurgy, manufacturing process, treatment etc. to withstand the physical tests necessary for each item. We supplemented the product with finest detailing, such as Bar Coding. ALL THIS ! to give the product our name ‘WINDSOR’, yet at affordable price of aftermarket. The results were gratifying. In a short span of time our products have been acknowledged as of the highest Quality coming out of India and indeed not very short of the world’s best brands. Our efforts are to make a range between expensive original Parts and cheap aftermarket Parts..
As Manufacturer-supplier of utb 650 spare parts from India. Windsor is a respectable name in trading community in India. We are leading supplier of Light Engineering Goods that include Tractor Parts and Automobile Spare Parts. Our range for Tractor Parts includes Spares for UTB-650, KHD-Deutz, Massey Ferguson, Fiat, Ford. Range for Engine Spares includes Deutz FL-912, Perkins , Lombardini and spares for Claas combine. We are expert in development of new products specifically suited for overseas markets based on specifications – Samples – Drawings provided by our customers. We are perhaps the 1st and only Co. in India to have developed over 500 items for a tractor of German & Romanian make, Just in a period of 4 years..

The results were gratifying. In a short span of time our products have been acknowledged as of the highest Quality coming out of India and indeed not very short of the world’s best brands. Our efforts are to make a range between expensive original Parts and cheap aftermarket Parts.

We have a strong product development & Quality control facility wherein we do exhaustive inspection before dispatching the goods to our overseas customers. We have special arrangements with OEMs in India who supply us critical engine components, which we cater to our overseas customers at very reasonable & internationally competitive price versus to original Quality of the product.

Tractor Spare Parts Manufacturers from India

There are a storming number of tractor parts available under single roof where people may get parts for their desired tractor either tractor belongs to Europe or USA. Windsor have more than 9000 different spare parts for tractors of European make. It is one of the widest range carried out by any supplier of tractor spare. In agriculture industry Windsor is one of the trusted sources for Implements and agriculture tools, tractor parts division was formed to make it more specific to the job of engineered tractor parts that separates agriculture implements division. Windsor has achieved this number of parts with it’s continues efforts in the field of product development from reverse engineering and development through technical data and drawings. Products with Windsor brand are being used in oems and supplied to more sophisticated engineering companies. There are areas that are rich in agriculture need such spare parts to be replaced more frequently, providing Windsor’s tractor spare to these areas have good impact on mutual benefit of farmers and Windsor. Lose of time in precious time of season may effects multiple time when tractor doesn’t work properly and borrowing others is difficult because of busy schedule of the season, that is why a reliable spare may let you work and work efficiently for years. When some new person or existing user is going to buy a parts for tractor few things should keep in his mind like what kind of parts is he looking for, its cost and if it wont work for long hours how much labor cost him again etc. As always, having same problem versus having Windsor parts have a completely different checklist, you may suffer because of buy cheap spares available in market, and if you are feeling to change these parts, you should not have second thought, go and get Windsor’s one.

Windsor 766,pace city-II,sec-37 Gurgaon Haryana India Ph: +91 124 4323900,924 Fax:+91 124 4323998,999 Mail:

Compare car insurance India using premium calculator

Car insurance is an integral part of owning a car. In India, car insurance is mandatory by law as well. Insurance policy with right amount of coverage is of utmost importance as it serves an insured in an unwanted event. Car insurance with comprehensive coverage covers personal liability, third party car insurance cover and also provides personal accident cover. One can get car insurance online these days which has emerged as the best and convenient way to buy insurance.

Most of the general insurance companies offer car insurance however the premium and coverage varies from one insurer to another. Some insurance companies offer comprehensive coverage but also charge higher premium while other insurance companies offer low coverage with low premium. So, it becomes vital to compare various insurance policies available before eventually buying the policy. One can use car insurance premium calculator to ascertain and determine the appropriate amount of premium that should be paid to buy insurance. The facility of car insurance calculator India is provided by various insurance aggregators these days and preferred vendor website also provide this option as well. Car Insurance premium calculator is a very important tool and it helps an individual in buying the appropriate car insurance including third party car insurance. >.

Car insurance calculator India basically tries to help the interested person i.e. one can calculate the premium that you are going to have to pay for the policy and can compare various different policies. It takes less than 10 minutes to fill the details and obtain the insurance quotes. Car insurance calculators not only help you choose the right coverage for you and your family but can also assist you plan the long and short term advantages of purchasing insurance coverage.

The car insurance premium calculator will calculate the premium for you based on the information provided by you which can be classified as inputs as well. Below are some of the things that are required by a car insurance calculator India:
Date of registration: This is the first thing that will be asked for by the car insurance premium calculator is the date of registration.
Car details: The next thing that is required by premium calculator is the details of the car. It requires information such as manufacturer and the type of model of the car.
Policy start date: This is important for the records of the car insurance calculator as the amount calculated is based on an annual rate.

One can get car insurance premium’s approximate value with using car insurance premium calculators which eventually helps in buying the policy with maximum coverage.

Get Your Dirt Bike Accessories And Make Your Bike Ready For Racing

We all know now a days automobile industry is growing at good rate in India. This gives boost up to automobile accessories companies to sell their two wheeler accessories in large market. Some of high selling two wheeler accessories are: Dirt Bike Accessories, Motorcycle Accessories, Sport bike Accessories and Street bike accessories. Some of major Motorcycle accessories are: Motorcycle mirrors, motorcycle glove, motorcycle windshields, back rack, mud flaps, panel covers and motorcycle tail light. We also provide latest sport bike accessories and sport bike parts that give your bike a real sport appearance and make it new with high speed and mileage.

We supply all brands of Motorcycle mirrors, motorcycle gloves, motorcycle windshields and motorcycle tail light as per your requirement any priority of brand choice. Our all the products are of high quality and long time bearing capacity, it make your old bike look new one and trendy. Our qualitative bike accessories will make your bike faster, lighter, and superior look, it might stop more rapidly or even go quicker. Even dirt bike accessories will make your bike ready for racing. You can also go for long distance traveling on dirt bike and are free to drive on muddy and sandy roads. We do have huge stocks of all accessories to satisfy your instant need and demand.

So dont wait now, get your Sport bike Accessories and Street bike accessories or Sport bike parts and Street bike parts to renovate your full bike and get good mileage on your drive. We give special concentration on each clients requirement and complain and serve you best with qualitative Sport bike Accessories and Street bike accessories. We provide on time delivery of your products. Some of reasons why you must select us are:

1. We provide best quality at attractive price
2. Fit components as per your requirements
3. Professional services
4. On time delivery of product
5. Best people to understand your requirement
6. Availability of all brands of accessories.

So your bikes are on safe hands, so dont worry and give your bike a new and trendy look with new Motorcycle Accessories. You can select different colors of accessories from our catalogs and on demand we will paint ha special color to your Dirt Bike Accessories,/Motorcycle Accessories/Sport bike Accessories and Street bike accessories. So contact us now to solve your quires regarding bike accessories and enjoy the long ride with your partner.

Nissan new showroom opened in Chandigarh India

After opening 68 outlets in India, Nissan new showroom is recently Opened in the city beautiful Chandigarh. This is the 6th outlet of this company in the state of Punjab. This outlet is opened to achieve a target of 70,000 sales of cars in 2012-2013. This company has a target of opening 100 outlets all over India till the end of 2012 & looking to increase this number by 150 in the year 150.

Nissan new showroom

A leading company of Japan i.e. Nissan has opened its first & new showroom in the famous city of Chandigarh at Industrial Area Phase-1. For the opening of outlet, the MD of hower automotive of India G.M. Singh was at the city Chandigarh. This Hower group maintains the sales of cars, services of its cars, its other parts & dealerships all over the India.

The Nissan has already set its specific position in Chandigarh & in the whole world also. Its newly launched cars like Nissan Micra, Nissan sunny both in petrol & diesel variants are the blockbuster cars which are still in race with the new Ford Figo & Maruti Suzuki swift. Its Teana model is also in breaking news & has given a tough competition to the Chevrolet Cruze & Toyota Corrola Altis Aero.

G.M. has declared that the Nissan automobile has picked up the car market in India. -Nissan Company has already sale a total of 40,000 cars this year across the India. In which 60% sales of -Sunny- are a very big hit this year.- Said G.M. Singh. Achieving a target of 70,000 cars in 2012-2013 would be a good market in the Punjab. Now Nissan recently manufacture Nissan Micra & Nissan Sunny at the plant of Chennai. Nissan new showroomNissan new showroomNissan new showroomNissan new showroomNissan new showroomNissan new showroom PRICES OF FEW NISSAN CARS Nissan Micra (Petrol) Rs.4.26-5.58lacs Nissan Micra (Diesel) Rs.6.03-6.48lacs Nissan Sunny(Petrol) Rs.5.99-7.95lacs Nissan Sunny(Diesel) Rs.8.20-9.03lacs Nissan Teana(Petrol) Rs.21.87-25.76lacs Nissan X-Trail(Diesel) Rs.22.38-26.69lacs

Tractor Spare Parts Manufacturer Tractor Transmission Parts SupplierPressure Plate Manufacturers f

Windsor is one of the leading suppliers of spare parts, components and assemblies for automotive application, having a vast sales network in many markets in Africa, Europe and South America.

Windsor was founded in early 1996 with the desire to make available world class aftermarket auto parts that are produced in India. Our target, though difficult, was clearly defined. For any requirement from abroad our target was to achieve the quality, finish and packaging standard of the best brand available in that particular market. We Tran scripted the product through metallurgy, manufacturing process, treatment etc. to withstand the physical tests necessary for each item. We supplemented the product with finest detailing. All This ! to give the product our name ‘WINDSOR’, yet at affordable price of aftermarket. The results were gratifying. In a short span of time our products have been acknowledged as of the highest quality coming out of India and indeed not very short of the world’s best brands. Our efforts are to make a range between expensive original parts and cheap aftermarket parts.. As Supplier of MTZ Spare Parts from India. Windsor is a respectable name in trading community in India. We are leading supplier of Light Engineering Goods that include Tractor Parts and Automobile Spare Parts. Our range for Tractor Parts includes Spares for MTZ, Massey Ferguson, UTB, URSUS, KHD-Deutz,Fiat, Ford. We are expert in development of new products specifically suited for overseas markets based on specifications – Samples – Drawings provided by our customers. We have developed over 5000 items for tractors of different makes.

The results were gratifying. In a short span of time our products have been acknowledged as of the highest quality coming out of India and indeed not very short of the world’s best brands. Our efforts are to make a range between expensive original parts and cheap aftermarket parts.We have a strong product development & quality control facility wherein we do exhaustive inspection before dispatching the goods to our overseas customers. We have special arrangements with OEMs in India who supply us critical engine components, which we cater to our overseas customers at very reasonable & internationally competitive price versus to original quality of the product.

In a short span of time our products have been acknowledged as of the highest quality coming out of India and indeed not very short of the world’s best brands. Our efforts are to make arange between expensive original parts and cheap aftermarket parts. Today, under the creative instincts, aggressive marketing techniques, visionary approach and ambitious nature of our director, we have made rapid strides in exports and have acquired a respectable status. A team of dynamic professionals oversees our operations and continues to innovate in ways that best serve our customer’s interests.

Deutz Diesel Engine, Deutz Engine Parts, Deutz Parts, Deutz Engine Spare Parts Exporter

Windsor is one of the leading suppliers of spare parts, components and assemblies for automotive application, having a vast sales network in many markets in Africa and south America.

Windsor was founded in early 1996 with the desire to make available world class after market engine parts that are produced in India. our target, though difficult, was clearly defined. for any requirement from abroad our target was to achieve the quality, finish and packaging standard of the best brand available in that particular market. we tarn scripted the product through metallurgy, manufacturing process, treatment etc. to withstand the physical tests necessary for each item. we supplemented the product with finest detailing, such as bar coding. all this ! to give the product our name ‘Windsor’, yet at Deutz FL912 engines and spare parts, engine parts, Tractor & Tractor Spare Parts, We exporters with complete range affordable price of after-market. the results were gratifying. in a short span of time our products have been acknowledged as of the highest quality coming out of India and indeed not very short of the world’s best brands. our efforts are to make a range between expensive original parts and cheap after-market parts.

As supplier of engine spare parts from India. Windsor is a respectable name in supplying community in India. we are leading manufacturer of light engineering goods that include auto parts and automobile spare parts. our range for tractor parts includes spares for engine spare parts, Massey Ferguson, engine spare parts. range for engine spares includes engine spare parts,Perkins , Lombardi and spares for engine spare parts. we are expert in development of new products specifically suited for overseas markets based on specifications – samples – drawings provided by our customers. we are perhaps the 1st and only co. in India to have developed over 500 items for a engine spare parts of German & Romanian make, just in a period of 4 years.

Contact us:-

Windsor Plot no. 766, Pace City II, Sector-37, Gurgaon-122001,India Tel : 0091 124 4323900 / 924 Fax : 0091 124 4323999 / 998 Email Website