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Car theft is the criminal act of stealing a motor vehicle with the intention of permanently depriving its owner or driver. It may be accomplished by stealth (e.g., breaking into an unattended car), by tricking someone into letting them enter their car (e.g., children), by overpowering them, or via more violent means such as smashing windows to get in or using explosives to break open locked doors and start the engine (e.g., in a bank). Some countries require owners to have property damage liability coverage in order to drive legally
NCB in auto insurance stands for the no claim bonus which is offered to car insurance customers at the time of renewal if there is no claim during the previous policy period. The no-claim bonus is a form of discount offered to the customers for not making a claim in the previous policy period.
The no-claim bonus starts from 0% and reaches up to 50% for each claim-free year. It is valid for a period of 90 days from the expiry date of the policy after which the NCB would lapse. Higher NCB means a higher discount for the customer. If there is a claim this would be reduced to 0% and then increases for each claim-free year.
Comprehensive car insurance covers the loss or damage to the car due to any of the insured peril acting at the time of the accident. Third party insurance covers only the legal liability arising out of bodily injury or death of third parties due to an accident involving the insured car. Third party section also covers the property damage of third parties involved in the accident.
The comprehensive car insurance policy covers your car from animal damage. It covers your car in every possible way to man-made, natural elements.
Rat-bite damage coverage in motor insurance is covered under the own damage section of the comprehensive car insurance. Rat damage insurance claim is admissible under the Own damage section of the Car insurance as the damage is caused by Accidental and visible external means.
Yes, comprehensive car insurance covers rodent damage under the own damage section of the comprehensive car insurance. Rat damage insurance claim is admissible under the Own damage section of the Car insurance as the damage is caused by Accidental and visible external means.
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