3. In so far as it relates to a vessel and/or cargo thereon, the vessel is declared as missing.
1. Insurance premium in respect all property insurance coverage is fixed mostly in relation to the insured value of the property.
2. Calculation of stamp duty on certain portfolio is related insured value under the policy. Ex. Marine Cargo and Personal Accident Insurances.
2.Provision appearing in the conditions relating to the fire declaration policies for stocks, dealing with the valuation of stocks for periodical declaration purposes.
2. A provision in liability and professional indemnity policies excluding coverage for dishonest act of the insured.
2. Recovery Agents pursuing recovery from the carriers, will handle the assignment given to them by the insurers on 'No cure No pay' basis in the sense that they will claim fee only when they recover some amount from the carriers.
1. Public Liability Insurance Act.
2. Motor Vehicle Act in connection with Road Accident Victims.
3. Workmen's compensation act
(i) that fails to clearly identify the product as insurance;
(ii) makes claims beyond the ability of the policy to deliver or beyond the reasonable expectation of performance;
(iii) describes benefits that do not match the policy provisions;
(iv) uses words or phrases in a way which hides or minimizes the costs of the hazard insured against or the risks inherent in the policy;
(v) omits to disclose or discloses insufficiently, important exclusions, limitations and conditions of the contract;
(vi) gives information in a misleading way;
(vii) illustrates future benefits on assumptions which are not realistic nor realizable in the light of the insurer's current performance;
(viii) where the benefits are not guaranteed, does not explicitly say so as prominently as the benefits are stated or says so in a manner or form that it could remain unnoticed;
(ix) implies a group or other relationship like sponsorship, affiliation or approval, that does not exist;
(x) makes unfair or incomplete comparisons with products which are not comparable or disparages competitors.
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Attention Investors :
1) KYC is one time exercise while dealing in securities markets – once KYC is done through a SEBI registered intermediary (Broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.
2) Prevent Unauthorised transactions in your account. Update your mobile numbers/email IDs with your stock brokers. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day .......... Issued in the interest of investors.
3) Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 1, 2020.
4) Update your mobile number & email Id with your stock broker/depository participant and receive OTP directly from depository on your email id and/or mobile number to create pledge.
5) Pay 20% upfront margin of the transaction value to trade in cash market segment.
6) Investors may please refer to the Exchange's Frequently Asked Questions (FAQs) issued vide circular reference NSE/INSP/45191 dated July 31, 2020 and NSE/INSP/45534 dated August 31, 2020 and other guidelines issued from time to time in this regard.