How Much Life Insurance You Need?
We offer following Insurance policies
A comprehensive insurance is a complete package for Vehicle. Any damages caused due to theft, accident, fire are covered. Along with this, it also covered against third-party insurance i.e. damages caused by your vehicle to another party.
Summary of cover
• Vandalism
• Glass Damages (Windshield)
• Damages sustained by hitting an animal
• Fire
• Floodwaters
• Natural disasters
• Damage to third-party vehicle
• Damage to your own vehicle
• Personal belongings cover for the private vehicles.
• Windscreen cover.
• Emergency medical expenses cover.
• 24 Hours emergency Road Side Assistance.
• Rental car facility (replacement car for 10 or 5 days).
• Off-road cover
• International cover
• Depreciation of your vehicle
• General wear and tear of the car
• Mechanical or electrical failure
• Damage to tires
• Damages caused under the influence of alcohol
The coverage is usually provided for a period of one year.
The sum insured is the present replacement value of the vehicle.
• Those who do not have an emergency fund to cover large costly repairs.
• People who prefer not to do home repairs themselves.
• Homeowners who do not want to hassle with finding a contractor.
• First-time homeowners who do not want to worry about additional costly repairs
• Many plans also cover the property while the home is listed. This is a major benefit to sellers. They can be assured they will not have any additional expenses to worry about while they are trying to sell their home.
Insurance companies will look at the age of the vehicle, make, model, transmission type, fuel type, engine size and other risk factors
The claim process for an Individual Motor Comprehensive Insurance policy involves notifying the insurance company of any covered events or accidents involving your vehicle and submitting the necessary documentation to initiate a claim. Here's a general guide along with a checklist:
Motor Comprehensive Insurance Policy Claim Process:
- Contact the Insurance Company: Report the accident or event that requires a claim to the motor insurance company as soon as possible. Follow the specified notification process outlined in your policy document. This could involve contacting a helpline or using an online claims portal.
- Obtain Claim Form: Request a claim form from the insurance company. Many insurers provide claim forms on their websites or through their customer service.
- Complete Claim Form: Fill out the claim form accurately and completely. Include all necessary details about the accident, damages, and other relevant information.
- Gather Supporting Documents:
Collect all required supporting documents. The specific documents may vary, but common requirements include:
Copy of the police report (if applicable).
Copy of your driving license.
Copy of the vehicle registration certificate.
Photographs of the accident and damages.
Repair estimates or invoices from authorized workshops. Any other documents specified in the policy. - Submit Documentation: Submit the completed claim form along with the supporting documents to the insurance company. Ensure that all documents are legible and valid.
- Vehicle Inspection (if required): The insurance company may arrange for an inspection of the damaged vehicle. Cooperate with this process to assess the extent of damages.
- Claim Evaluation: The insurance company will evaluate the claim based on the provided documents, inspection findings, and the terms of the policy.
- Claim Decision: The insurer will communicate the decision regarding the claim. If approved, details about the repair process, replacement, or payout will be provided.
- Completed Claim Form: Fill out the claim form with accurate and detailed information.
- Proof of Identity: Copies of your identification documents and driving license.
- Police Report (if applicable): Include a copy of the police report if the accident involved third parties or criminal activities.
- Vehicle Documents: Provide copies of the vehicle registration certificate.
- Photographs of Accident and Damages: Include clear photographs of the accident scene and damages to your vehicle.
- Repair Estimates or Invoices: Include repair estimates or invoices from authorized workshops.
- Communication Records: Keep records of all communication with the insurance company regarding the claim.
- Witness Statements (if available): Include statements from any witnesses to the accident, if available.
The claim process for an Individual Motor Third-Party Insurance policy involves notifying the insurance company of any accidents involving your vehicle and submitting the necessary documentation to initiate a claim. Here's a general guide along with a checklist:
Motor Third-Party Insurance Policy Claim Process:
- Contact the Insurance Company: Report the accident or incident that requires a claim to the motor insurance company as soon as possible. Follow the specified notification process outlined in your policy document. This could involve contacting a helpline or using an online claims portal.
- Obtain Claim Form: Request a claim form from the insurance company. Many insurers provide claim forms on their websites or through their customer service.
- Complete Claim Form: Fill out the claim form accurately and completely. Include all necessary details about the accident, damages, and other relevant information.
- Gather Supporting Documents:
• Collect all required supporting documents. The specific documents may vary, but common requirements include:
• Copy of the police report (if applicable).
• Copy of your driving license.
• Copy of the vehicle registration certificate.
• Photographs of the accident and damages.
• Repair estimates or invoices from authorized workshops.
• Any other documents specified in the policy. - Submit Documentation: Submit the completed claim form along with the supporting documents to the insurance company. Ensure that all documents are legible and valid.
- Vehicle Inspection (if required): The insurance company may arrange for an inspection of the damaged vehicle. Cooperate with this process to assess the extent of damages.
- Claim Evaluation: The insurance company will evaluate the claim based on the provided documents, inspection findings, and the terms of the policy.
- Claim Decision: The insurer will communicate the decision regarding the claim. If approved, details about the repair process, replacement, or payout will be provided.
- Completed Claim Form: Fill out the claim form with accurate and detailed information.
- Proof of Identity: Copies of your identification documents and driving license.
- Police Report (if applicable): Include a copy of the police report if the accident involved third parties or criminal activities.
- Vehicle Documents: Provide copies of the vehicle registration certificate.
- Photographs of Accident and Damages: Include clear photographs of the accident scene and damages to your vehicle.
- Repair Estimates or Invoices: Include repair estimates or invoices from authorized workshops.
- Communication Records: Keep records of all communication with the insurance company regarding the claim.
- Witness Statements (if available): Include statements from any witnesses to the accident, if available.
Metropolitan is best at rendering quality services to their customers whether they are individuals or corporates. Metropolitan focus on establishing itself as a committed, knowledge driven and customer focused entity in the insurance industry.
