Insurance is a subject matter of Solicitation. All policies, certificate of insurance is governed by standard practices followed in India as per IRDA. Section 64VB in The Insurance Act, 1938 states “64VB- No risk to be assumed unless the premium is received in advance.”
If an Insurance is taken after the vessel/flight has sailed/taken off, coverage will be ICC C which is very restricted cover. All tail end road transits (imported shipments) where the risk originates from any Indian Port, the coverage will be ITC B, which broadly covers damage due to road
All Fragile items will be covered for basic risk only. All other terms and conditions as per insurance policy/certificate.

For vehicle insurance, issuance of cover note/policy is subject to submission of proper documents. In case your policy is already expired, then issuance of cover note/policy is subject to successful inspection of the vehicle. The rate of NCB is arrived at on basis of policy copy shared or by way of oral or written communication received, if this declaration found to be incorrect may lead to NCB recovery or all benefits under the policy will stand forfeited, and no claim will be payable under Own Damage Section. Insurance is effected on express oral or written communication received from the client, and if needs to be canceled or modified it must be notified to us within 24 hours.

We respect privacy of our customers very seriously. We do not share your personal and other information with any third party. Notwithstanding your
registration as NDNC, fully/partially blocked and/or your customer preference registration, by communicating with us, it confirms that you agree to receive sales or service calls, email, brochure and promotion material time to time from our employee / tele callers based on information you have submitted to us.

The information in this email (and any attachments) is legally privileged and confidential. If you are not the intended recipient, you must not use or disseminate the information. If you have received this email in error, please immediately notify the sender by ” Reply” command and permanently delete the original and any copies or printouts thereof. Although this email and any attachments are believed to be free of any virus or other defects that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by RK insure or its subsidiaries or affiliates either jointly or severally for any loss or damage arising in any way from its use or incompleteness or any delay in its receipt.