ICICI Prudential Life Insurance

We are ICICI Prudential life Insurance, a joint venture between ICICI Bank, India’s largest private sector bank and Prudential plc, a leading international financial services group, headquartered in the United Kingdom. ICICI Prudential was amongst the first Private Sector Life Insurance Companies to begin operations in India, in early 2000. ICICI Prudential, India’s most trusted Private Life Insurer for 3 years in a row+, offers a wide range of innovative and customer centric products that meet all your needs. All our products are tailored to ensure maximum protection for you at every step in life, with choices that give you greater flexibility and the power to invest and earn.

+Source: AC Nielsen ORG MARG Brand Equity Survey 2003-2005.

Hedge Equities

Team Hedge is a balanced mix of more than 15 years experience cutting across various industries with a strong background in the financial markets. The board comprises of four power houses in their respective fields - Fedex Securities, Baby Marine Group, Smart financial and Trinity.

Fedex Securities is a SEBI registered category 1 merchant banker, managed by a team of ex bankers. The company is engaged in non fund based operations viz. Structuring and tie up of Project Financing, Financial restructuring, Investment Banking, Corporate and Advisory Services. The core management team consists of vastly experienced bankers, each with over a decade of exposure to commercial and investment banking. With offices at Nariman Point and Vile Parle East, Mumbai, state of the art infrastructure and qualified manpower to conduct the business, Fedex Securities envisages a phenomenal growth in this sector for its clients.

Trinity is an Investment company promoted by SM Hegde and associates. SM Hegde is the Financial Controller of Indian Multinational, Videocon International.  

Baby Marine Group has left its mark in the business world for over 30years now and is all set to make its foray into the world of financial markets. A track record of flawless execution, sustained growth rate, customer loyalty and employee satisfaction speaks volumes of this business conglomerate.

Smart financial is promoted by a group of financial professionals having vast experience in investment and advisory services. The company is having the reputation of playing the role as business partner for leading financial houses and has been a pioneer in offering trained manpower and providing marketing support.  

Intellectual and knowledge arbitrage is the mantra of modern day business. The same holds true for the financial markets. With the breadth and depth of knowledge of modern day business that the Board of Hedge brings to the table, you can be rest assured that some of the best minds in the business are taking care of your investments. Team Hedge is a balanced mix of more than 15 years experience years cutting across various industries with a strong background in the financial markets.

Read about Wealth Management

Reliance General Insurance

Private Car Comprehensive Insurance Policy

The policy can be issued to cover all types of private cars
The Policy covers
All accidents including earthquake, flood, riot, strike and malicious acts.

• Section I: It covers the legal liability of insured towards third party personal injury and property damage arising out of an accident involving the insured vehicle.
• Section II: Undertakes to reimburse the expenses incurred :

- Towards repair/replacement of parts of the vehicle, or
- To pay the market value of the vehicle in case of a total loss, provided that the originating cause of such damage is an accident, including theft.
The Policy does not cover
The liabilities can emanate from numerous sources -

• Shareholders.
• Customers and clients.
• Suppliers.
• Competitors.
• Employees.
• Members of public.
• Government – income tax, excise, etc.
• Regulatory Bodies

• Any accidents outside the geographical area.
• Consequential loss, normal wear and tear.
• Driving without valid licence for that class of vehicle. Driving under the influence of liquor / drugs.
• Vehicle not being used as per the regulations of registration.

You can opt for the following extensions

• Loss of accessories
• Legal liability to the paid driver, cleaner or any workman
• Personal accident to the occupants
• Unlimited Legal liability towards property damage of Third Party

You should know

• For claims free experience, discount available on subsequent renewal. Likewise loading applicable for claims made.
• Discount available if excess is opted for.
• Discount available for membership with approved Automobile Association.
• Depreciation, for the parts needing replacement in the accident is defined.

Note : The rates and terms are governed by All India Motor Tariff.

ICICI Lombard Insurance

Car Insurance - Introduction
ICICI Lombard brings to you a comprehensive Package Policy for your four-wheelers, which covers Loss or damage to the vehicle insured, Personal Accident and Third Party Liability.
Policy Coverage
Our Motor insurance Policy is governed by the Indian Motor Tariff. It covers you for:

Loss or damage to your vehicle: The policy covers you against any loss or damage caused to the vehicle due to the following natural and man made calamities. Natural Calamities – Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide. Man made Calamities – Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

Personal accident cover: The motor insurance provides compulsory personal accident cover of Rs. 2 lakhs for individual owner driver of the vehicle insured while travelling in, mounting or dismounting from the car. You can also opt for a personal accident cover for passengers.

Third party legal liability: This protects you against legal liability arising due to accidental damages - Any permanent injury/ death of a person - Any damage caused to the property.

Key Benefits

You can avail of our cashless claim facility at our Cashless Garage Network all across India.

You can claim towing charges up to Rs 1,500 in the event accidental damage or loss to your vehicle as specified under the policy

Avail of the following bonuses and discounts - No Claim Bonus: If you do not make a claim during the policy period, a No Claim Bonus (NCB) is offered on renewals. This discount can go as high as 50%. (NCB will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.) Transfer your NCB: You can transfer full benefits of No Claim Bonus when you shift your motor insurance policy from another company to ICICI Lombard. The discount rate remains the same, provided you show evidence that you are entitled to No Claim Bonus from your previous motor insurance company. Evidence can be in form of:   Renewal notice or   Letter confirming the NCB entitlement from the previous insurer or   NCB declaration Voluntary Excess discount: A further discount on the premium is available if you opt for a Voluntary Excess in addition to the Compulsory Excess. (Compulsory Excess is the amount of loss which the insured has to bear in each and every claim.) Additional discounts: If you are a member of a recognized Automobile Association in India you can avail a discount of 5% on the OD Premium subject to a maximum of Rs. 200. Discount for Anti-theft Devices: In case you have installed ARAI approved anti theft device in your vehicle, you get a discount of 2.5 % on the OD Premium to a maximum of Rs. 500.

Cover yourself and your family: You can also opt for personal accident cover of up to Rs. 2 Lakhs for other unnamed passengers in your car. For e.g. your family, relatives, friends etc.

Customise your insurance with additional covers: Electrical and/ or non-electrical items fitted to the vehicle can be insured separately. For example: fog lights, music system, seat covers. In case of vehicles fitted with bi-fuel system such as Petrol/ Diesel and CNG/ LPG, permitted by the concerned RTO, the CNG/LPG kit fitted to the vehicle is to be insured separately at an additional premium of 4% on the value of such kit. You need to specifically declare this in the proposal form.   Need for Policy   The number of road accidents in India is estimated to be three times vis-a-vis developed countries. The number of accidents for 1000 vehicles in India is as high as 35 while the figure ranges from 4 to 10 in developed countries   Comprehensive Car Insurance serves as an add-on to the mandatory third-party cover and protects the car owner from financial losses, caused by damage or theft of the vehicle   Sum Insured The vehicles are insured at a fixed value called the Insured’s Declared Value (IDV). IDV is calculated on the basis of the manufacturer’s listed selling price of the vehicle (plus the listed price of any accessories) after deducting the depreciation for every year as per the schedule provided by the Indian Motor Tariff. If the price of any electrical and / or electronic item installed in the vehicle is not included in the manufacturer’s listed selling price, then the actual value (after depreciation) of this item can be added to the sum insured over and above the IDV.   Motor Claim Procedure In case of motor insurance claim, you can avail cashless facility for the repair of your car in any of our All India Cashless Garage List. However, If the car is serviced in a garage ouside the purview of our network, then you can claim reimbursement for the same. In Case of an Accident   Note the number of the other vehicle involved in the accident, if any.   Jot down the names and contact details of witnesses, if any.   Contact our 24X7 insurance helpline number 1800 209 8888. Get your claim number / reference number. Call centre representative will provide you the details of documents required for claim processing and also details of our preferred garage, where cashless repair facility can be availed.   File an FIR at the nearest police station in case of property damage, bodily injury, theft and major damages. After Registering the Claim   Our customer service manager will contact you within 24 hours of registering the claim.   Submit the copy of documents to the dealer / CSM and get verified with the originals.   Our CSM will get the estimate for the repairs of your vehicle and give spot approval after assessment.   After completion of repair at our preferred garage we will make payment of our share of the loss directly to the garage.   The insured to pay the excess mentioned in the policy and depreciation, salvage etc informed by the CSM.

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