There is a question that attracted my attention in the Motor Insurance application form. Thatquestion is: ‘Whether the car is certified as vintage car by Vintage and Classic Car club of India?’ Vintage and Classic Car Club of India…what is it? I was curious to know more about this Vintage andClassic Car Club of India? […]
Author: Dr. K. Raja Gopal Reddy
3. Total Loss & Constructive Total Loss
In page 2 of the Motor Insurance application, these magic words are found – Total Loss and Constructive Total Loss. The wording is as follows: “The schedule of age-wise depreciation as shown alongside is applicable for the purpose of Total Loss/Constructive Total Loss (TL/CTL) claims only. They have given age-wise depreciation schedule also in the […]
2. What is a Motor Insurance Proposal?
Proposal in simple English means an application. We submit an application to an insurance company requesting for insurance. Examples: An application for a job; an application for admission in a college; and an application for waiver of fee etc. An application is a written statement wherein a motor insurance customer writes about himself, hisassets, income, […]
1. Motor Insurance Application or Proposal Form
At the very beginning, two interesting conditions are present in the application form:1) Policy wordings are available on request2) Please complete all sections in capitals and tick boxes wherever applicable. I am a common man. I do not have the requisite technical knowledge of insurance or its terminology. And Motor Insurance is compulsory! I do […]
Motor Insurance – When the Insurers Don’t Pay?
Of all the insurance products, Motor Insurance is very popular not only in India but also across theglobe, because of its compulsory nature. Typically, motor insurance is divided into, very popularlyknown, two types: Third Party (TP) and Comprehensive. What these insurances are we shall beseeing in these series. The modus operandi of each of the […]
An Auspicious Moment to Die!!!
Many people do of each the activity of their life according to auspicious moment; they check where Rahu is, where Ketu is and how the other planetary motions are. Having checked, they identify the most suitable good muhurat. Only after that they go about doing the task. This task can range from daily life such […]
Flat No: D 313 Pragati Vihar
Pragati Vihar – I am sure looking at the title the reader may think, Wow! It’s like a cinema title – Ghar No. 750; Gaadi No. 412. It’s not a movie title. In the summer, approximately the month of May, 1983, I completed Intermediate examination (+2) from the AP Residential Junior College, Nagarjuna Sagar, Krishna […]
The 4 Walls of Fear
Human beings lived and are living in fear. This fear is injected by the parents and the society. The human mind is free. Rabindranath Tagore said ‘Where the mind is free, where the head is held high’. Forget the mind and the head, we can’t even think freely! Our mind is constrained…4 walls are built; […]
Alfred Hitchcock Presents – Final Arrangements
Final Arrangements is 36th episode of Season 6 of the ‘Alfred Hitchcock Presents’ telecasted on Tuesday the 20th June, 1961. It is interesting for a simple reason that the main character of this episode Mr. Leonard Thompson -Martin Henry Balsam (November 4, 1919 – February 13, 1996) – approaches his suicide /death in a very dispassionate manner. […]
Imported Democracy
I belong to the old school. In an age where everyone reads newspapers on their mobile phones i.e., online, I prefer to read the physical one. Over a period of time this has become a habit. Time now, I should get rid of this habit. The daily newspapers invariably consist news of rape, murder, cheating, […]
