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Old 28th August 2008, 14:46   #1
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Default Are natural calamities taken care of by insurance ?

Mods: Kindly merge with the appropriate thread as I was searching for "Thunderbolt" strikes on vehicles

Yesterday, It was raining very heavily in Bangalore, and suddenly in the middle of the night, I heard a very heavy thunderbolt - lightning stike. I was scared like hell when I heard it.

Then I was thinking about my "Silver Star" who was all alone in the rain by herself and was wondering if the lightning stikes my car and if anything happens to it, Does Insurance take care of it ?

Is there any method we can direct the lightning strike away from cars , like we have these long steel poles on house tops to capture the strikes on houses ?

Your thoughts are highly appreciated
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Old 28th August 2008, 15:47   #2
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Mods: Then I was thinking about my "Silver Star" who was all alone in the rain by herself and was wondering if the lightning stikes my car and if anything happens to it, Does Insurance take care of it ?
Yes Insurance cover that if you have taken it, Generally in areas where chances off Natural disasters are rare insurance agent just remove that from your insurance and try to reduce your insurance premium amount lesser. Go and read the complete insurance manual which you got with your vehicle. It tells you the story.
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Old 7th June 2009, 14:15   #3
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Hi,
We have open parking in our building compound and yesterday a misfortune happened.
2 coconut (yes coconut) from the tree fell on my Alto making a big big dent on bonnet and also front windshield is broken.
I went to MASS and got a total estimate of 17k
and that include glass replacement and Bonnet repair or replacement.
I have an NCB of around 1200 Rs. So I am claiming insurance. Now is my case covered under insurance?
Also is there any other reliable garage near borivali, mumbai area where i can get the things done ?

Last edited by saurabh159 : 7th June 2009 at 14:24.
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Old 7th June 2009, 15:03   #4
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cars are safe from lightnings
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Old 7th June 2009, 17:19   #5
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^good video that. Looks just out of a sci-fi movie
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Old 8th June 2009, 09:33   #6
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Originally Posted by sam003 View Post
Yes Insurance cover that if you have taken it, Generally in areas where chances off Natural disasters are rare insurance agent just remove that from your insurance and try to reduce your insurance premium amount lesser. Go and read the complete insurance manual which you got with your vehicle. It tells you the story.
Sirji WHAT?

How can some agent remove something which has no premium calculation for the car? I have never heard this before!!!

Do you have had any past experience as such?

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Originally Posted by lambuhere1 View Post
Mods: Kindly merge with the appropriate thread as I was searching for "Thunderbolt" strikes on vehicles

Yesterday, It was raining very heavily in Bangalore, and suddenly in the middle of the night, I heard a very heavy thunderbolt - lightning stike. I was scared like hell when I heard it.

Then I was thinking about my "Silver Star" who was all alone in the rain by herself and was wondering if the lightning stikes my car and if anything happens to it, Does Insurance take care of it ?

Is there any method we can direct the lightning strike away from cars , like we have these long steel poles on house tops to capture the strikes on houses ?

Your thoughts are highly appreciated
There are only 2 types of insurance in the market as off today... One is TP and other is comprehensive if you have the comprehensive insurance all the natural calamity has to be paid by insurance.
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Old 8th June 2009, 09:56   #7
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Depends on your insurance. Some include 'Act of God', while others charge extra. Also, some may offer a discount if you delete this clause.
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Old 8th June 2009, 09:58   #8
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Depends on your insurance. Some include 'Act of God', while others charge extra. Also, some may offer a discount if you delete this clause.
Do you have something in writing for this one???
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Old 8th June 2009, 10:21   #9
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Do you have something in writing for this one???
Just look at your policy and / or talk to your agent. I always make it a point and check that 'Act of God' is covered.
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Old 8th June 2009, 11:31   #10
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Just look at your policy and / or talk to your agent. I always make it a point and check that 'Act of God' is covered.
Act of God is there in fire insurance policy but I could not see this in the Motor car policy sirji...
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