Cars in Flood – Insurance and More!


Thread Starter #31

Dr MUDHAN

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@ Kuwaronline & nag2fat

THINGS ONE SHOULD KNOW TO MODIFY THE ENGINE IN AN AUTOMOBILE:​

Engine changes in any car needs endorsement and permission from the respective RTA office. But, conversion from petrol to diesel is not permissible now.

Engine change is possible if we are replacing it with engine of same specifications (no change in cubic capacity). Also there has to be proof of purchase for the new engine.
Any other engine swaps will take away the "road worthy" tag from ARAI.


Regional Transport Office (RTO) rules:

• Engine modification that changes the specifications of the stock engine needs RTO permission. The vehicle must clear all regular pollution checks and safety standards.
• An engine swap must be certified by the RTO.
• Use of Nitrous Oxide (a chemical that increases the power of an engine, usually used for performance racing), on roads is illegal. (Remember Volkswagen scandal!)
• Turbo-charging and supercharging is, surprisingly, permitted. Because it is an add-on to the internal combustion engine.
• Loud exhausts are not allowed. Decibel levels must remain within prescribed limits.

On approval, RC book must be duly endorsed and endorsement should be made in the insurance policy.
 
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Thread Starter #32

Dr MUDHAN

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INSURANCE PROTECTION: AFTER MARKET HEAD UNIT​

199018d1460608931t-my-new-honda-city-white-albus-car-avn-unit.jpg

We should know how best our car Head Unit is covered under an insurance policy – whether it is OE or aftermarket.

The damage, not only by flood but may be due to anything – accidental damage to the car itself, Theft and most importantly due to component failure - electronic/ electrical breakdown.

Whether manufacturer’s warranty is adequate? What are alternatives?

How well we are protected by an insurance policy in this case and what are the best available options?

Please read my article in my Primary Thread here:

http://www.theautomotiveindia.com/f...new-honda-city-white-albus-95.html#post495909
 
Thread Starter #33

Dr MUDHAN

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CYCLONE VARDAH: WINDS AND NOT FLOODS CAUSED VAST DAMAGES IN CHENNAI

Unfortunately, time has come to draw attention to this thread and fortunately all the information needed is here to support people who suffer from such loses.

Chennai encountered a totally different natural calamity where Cars went on crazy & Cars and commercial vehicles have also flipped over in parts. It seems that it was not floods but strong winds that caused the ostensible destruction following cyclone Vardah in Chennai.

SOME SNAP SHOTS:

 
Thread Starter #34

Dr MUDHAN

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Clip.jpg

Keralas-Car-Sales-Likely-Face-Huge-Drop-Due-To-Historic-Floods.jpg

India has once again stood united in helping our fellow citizens in Kerala and parts of Karnataka that have been affected with severe floods and going through difficult times.

Insurance companies have decided to do its bit and have come to the rescue in Kerala floods by assisting people to get its insured vehicles up and running soon. The loss to property, cars and other vehicles have been very significant in this natural calamity with many houses and vehicles been washed away and drowned in waters. To ensure minimal losses, many insurance companies including the likes of National Insurance Company, New India Assurance Company, Oriental Insurance Company and United India that have set up many camps across the states to assist insuree to claim and recover from its damages soon.

These insurance companies have collectively come together to further advertise this initiative in newspapers and another medium of communications. The companies in the newspaper further say that these unprecedented flood and landslides have devasted Kerala, "We, the public sector insurance companies join to redress the sufferings of the people.”

The above-mentioned insurance companies have set up camps across Kerala and are offering roadside assistance for both two-wheelers and four-wheelers for reporting and settlement of claims. In a regular insurance claim, the damage has to be reported within 2 weeks but in this case of Kerala floods, the companies will be lenient and be flexible to the policyholder's insurance claims.

United India Insurance Co Ltd
Vehicle claims: 8921792522; other claims: 9388643066
Email: uiic.keralaflood@gmail.com

National Insurance Co Ltd
Claim hub: 9188044186
Email: kro.claimshub@nic.co.in

New India Assurance Co Ltd
Toll-free number 18002091415

Oriental Insurance Co Ltd
Toll-free number 1800-11-8485
Email: kerala.claims@orientalinsurance.co.in

STAY STRONG STAY SAFE – PRAY FOR KERALA.​
 
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