Prajapati Motor Insurance, Step-by-step guide on how to link Aadhaar with insurance policies

Problems might arise with claim settlements if the insurance policies are not linked by the given deadline.


Linking of Aadhaar with insurance policies has been made mandatory. Though the government has extended the timeline to link your Aadhaar details with financial services from 31st December 2017 to 31st of March 2018, still it needs to be done. Problems might arise with claim settlements if the insurance policies are not linked by the given deadline. There are a few ways in which you can link your Aadhaar with your insurance policies.

Documents needed

There are no specific documents required to link your Aadhaar but the policy holder must have their policy number, Aadhaar number and PAN readily available while linking.
In case the Aadhaar Number not available then the policyholder is required to provide proof of application of enrolment for Aadhaar.

Further, for the KYC requirement, the policyholder is also required to provide their PAN details. In case the PAN not available then certified copy of an officially valid document needs to be submitted.

The insurance policies can be linked with Aadhaar both online and offline. There are certain companies that have started offering online Aadhaar linking but there are still companies which offer it only by visiting there branch. To link your Aadhaar online, you can login to the company's website where you will be required to provide policy details along with your personal details for verification. Once the verification is done; you will be able to update your Aadhaar number. The linkage can also be done by filling up a form by visiting the company's branch. You need to carry your Aadhaar and PAN card details to complete the process.

Steps to link you LIC policies online with Aadhaar

A form will pop-up asking for your email and mobile number along with your Aadhaar and PAN numbers.

After filling up the form an OTP will be send to your mobile number registered with UIDAI. (If your mobile number is not linked with Aadhaar, you need to link that first)

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Prajapati Motor Insurance, 10 salient features of motor insurance

Vehicle insurance is an integral part of vehicle ownership. Though it is a recurring annual expense, good news is that you can pull off huge savings in the premiums. Hence, it would be a good idea to be well aware of the nitty-gritty of such policies.


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1.  Two types of policies
There are two types of vehicle insurance viz. Comprehensive and Third Party.

Third Party (or Liability Only policy): Any injury/death of a third person and/or damage to his/her property - on account of any accident caused by your vehicle - is covered under Third Party Insurance. 

2.  Risks covered
The damage to your vehicle could be on account of 
- Natural disasters such as earthquake, flood, storm, etc. 


3.  Insured Value
The vehicle is insured for a value (called Insured Declared Value in policy parlance) based on the manufacturer’s price of the vehicle minus the depreciation as per the vehicle’s age.

4.  Premium
Your premium would be determined by
- What type of vehicle you own such as model, capacity, age, fuel type, etc.

5.  Premium saving options
One of the most common options to save premium is the facility of no-claim bonus (NCB), whereby you get a discount in your premium if you haven’t made any claim in the previous year. 

6.  Add-ons
You can enhance the protection by opting for Add-on covers to insure for risks that are not covered under a standard policy. 

Motor Car Insurance: Samsung Demonstrates 5G Network on High-Speed Train

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Samsung Electronics said on Friday that it has demonstrated the fifth-generation network on a high-speed train travelling over 100kmph under a joint project with Japanese telecommunications operator KDDI.

The two companies, which have been rolling out joint projects in the field since 2015, said they successfully observed data transmission speed of 1.7Gbps in the demonstration conducted in Japan in November, Yonhap news agency reported.

"The demonstration leveraged capabilities driven by 5G, such as high throughput, low latency and massive connections, which verified potential services that would be highly beneficial to passengers and operators of high-speed trains," Samsung was quoted as saying.

The test is anticipated to pave the way for faster on-board WiFi services that offer stronger security as well.

The companies said 8K-quality video was downloaded via a 5G router installed on-board. A 4K video shot from a camera installed on the train was also uploaded in the demonstration.

"To fulfill our aim to launch 5G by 2020, KDDI will continue exploring real-life scenario experiments for diverse 5G use and business cases together with Samsung," KDDI added.

prajapati motor insurance news, Vehicle insurance may get costlier after changes in Motor Vehicle Act

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Motor car Insurance: Third party motor insurance is the new cash cow

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Third party motor insurance, the segment that used to be a drag on insurers for more than a decade, has turned into a money spinner for these firms, thanks to increased premiums and motor safety norms. 

General insurance companies collected Rs 26,523 crore under the third party motor segment in the last financial year while the premium collected under own damage was Rs 23,727 crore, according to the data published by insurance regulator Insurance Regulatory and Development Authority of India (Irda). 

“There are various factors that have played in the increase of the third party pool, including reduction in own damage claims and increase in premium for third party segment,” said Sanjay Datta, head of reinsurance at ICICI Lombard General Insurance. When the third party pool was dismantled in 2011, the four public sector insurance companies were mostly writing these motor insurance policies. The cover had moved to a declined risk pool, which later became insignificant, with regulator intervening in rates. 

अब Jio के हर यूजर को नहीं मिलेगी अनलिमिटेड वॉइस कॉल, ये है वजह लेट्स न्यूज़ अपडेट प्रजापति मोटर इन्सुरेंस के द्वारा

रिलायंस जियो के नेटवर्क पर अब सभी कस्टमर्स को अनलिमिटेड वॉइस कॉलिंग नहीं मिलेगी। अभी Jio हर यूजर को अनलिमिटेड वॉइस कॉल देता है।


सितंबर 2016 में रिलायंस इंडस्ट्रीज के चेयरमेन मुकेश अंबानी ने कहा था कि जियो पर वॉइस कॉल लाइफटाइम फ्री होगी लेकिन अब यह बात गलत साबित होती नजर आ रही है। जियो वॉइस कॉल्स को लिमिटेड करने वाला है। कुछ यूजर्स अब रोजाना 300 मिनट ही वॉइस कॉल फ्री में कर सकेंगे। जियो प्रायोरिटी टीम ने भी इस बात को कंफर्म किया है।

ट्राई नहीं ये है वजह
जियो ट्राई या किसी दूसरी संस्था के चलते यह निर्णय नहीं ले रहा बल्कि यह फैसला खुद कंपनी का है। हालाकिं यह सभी कस्टमर्स के लिए नहीं होगा। सिर्फ कुछ कस्टमर्स के लिए वॉइस कॉलिंग लिमिटेड की जाएगी। किन कस्टमर्स के लिए लिमिटेड होगी कॉलिंग जियो प्रायोरिटी टीम के अनुसार कुछ यूजर्स जियो के अनलिमिटेड वॉइस कॉलिंग स्कीम का मिसयूज कर रहे हैं। उदाहरण के तौर पर देखें तो कुछ यूजर्स जियो के जरिए प्रमोशन एक्टिविटी करने में लगे हैं। ऐसे यूजर्स जियो से 10 घंटे तक वॉइस कॉल कर रहे हैं। इन्हीं कस्टमर्स के लिए वॉइस कॉलिंग का टाइम लिमिटेड किया जाएगा।

Car, bike insurance to cost more from prajapati motor insurance

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Car, motorcycle and health insurance will cost more from April 1 with regulator Irdai giving go-ahead to insurers for revision in commission for agents.

The change in premium after modification will be limited to +/- 5 per cent of the existing rates.

The increase will be in addition to the enhanced third party motor insurance rates, which too will come into affect from April.

The Irdai (Payment of Commission or Remuneration or Reward to Insurance Agents and Insurance Intermediaries) Regulations, 2016 comes into effect from April 1, 2017.

The regulations, the regulator said, bring about certain revisions in commission remuneration rates and also introduce the reward system.

These may trigger insurers to revisit the pricing of their products in so far as the costing input relating to commission or remuneration is concerned, said the Insurance Regulatory and Development Authority of India (Irdai).

However, the change in premium due to the new regulations should be "limited to +/- 5 per cent of the existing premium rates of products/add-ons", it said.

Further, insurers will have to give a certificate that there is "no detrimental change" in premium rates or any other provision of policies already sold.

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