Harita Insurance Broking: Overview & Policy Details

Choosing the ideal insurance company is essential to protect your health, life properties, assets, and health. Harita Insurance Broking is a well-known name in the industry of insurance and offers a range of custom-designed insurance options. If you require life insurance as well as health insurance or a robust motor or property security, Harita Insurance Broking provides assistance and advice from a professional. 

In this blog we’ll explore the reasons people choose Harita Insurance Broking, highlighting the unique benefits they offer, their attributes, as well as the benefits having them as a partner for all your insurance needs.

What is Harita Insurance Broking?

Harita Insurance Broking is a leading insurance broker located in India providing a wide range of insurance services and products. Since it is a licensed broker it connects customers to insurance providers and assists them in finding the accurate insurance coverage to meet their requirements.

Harita Insurance Broking is part of the TVS Group, a major Indian company with an interest in logistics, automotive as well as financial services. Established in 2005, the business aims to focus on providing competent insurance solutions with the expertise of the TVS Group in finance. Through the years, the company has expanded and earned its reputation as reliable as well as transparent, and focused on the needs of its clients.

Insurance Plans Offered By Harita Insurance Broking

• Motor Insurance
• Health Insurance
• Travel Insurance
• Marine Insurance
• Fire & Perils Insurance
• Mobile Insurance
• Burglary Insurance
• Electronic Insurance
• Liability Insurance
• Package Policies

Related check: Bandhan Life Insurance Overview & Details

Harita Motor Insurance

Motor insurance safeguards your vehicle against financial risk. The insurance covers the damages caused by incidents and other dangers and third-party risk. In India it is mandatory to have motor insurance. is required. The insurance is applicable to automobiles or motorized two-wheelers as well as commercial vehicles. It is not applicable for vehicles operating through railways.

Requirements for coverage

Insurance for motor vehicles (third-party) is mandatory for the purchase of a vehicle to use for personal or commercial purposes, compatible to the Motor Vehicle Act in India. In the event of a crash, driving without insurance could result in penalties. Accidents happen to everyone regardless of who isn’t at fault and cause significant damage. Insurance for motor vehicles can be helpful in such instances. When a driver causes an accident that causes injury to someone or someone else, the owner of the vehicle has to pay for the damage. Third-party motor insurance covers such costs, and it also protects against damage resulting from events that are not accident-related, such as fire or theft.

Liability Only Policy

The policy only covers third party injury or damage in an accident that the car owner is responsible. The policy addresses the minimal risks stipulated under the Auto Vehicles Act 1938. But, it doesn’t protect the owner’s costs, the loss of property, damages or any injuries. This is a legal requirement in India.

Comprehensive Policy

Comprehensive policies, sometimes referred to as package insurance, are much more sought-after than the liability-only policy. Even though liability-only insurance covers third-party financial responsibility comprehensive policies cover the damage to your car and the potential losses that you might be liable for. So, comprehensive plans provide more insurance.

Geographical Zones

India is broken down into insurance ratings zones according to the location of registration for vehicles:

• Private Cars and Motorized Two Wheelers
  – Zone A: Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi, Pune
  – Zone B: Rest of India
• Commercial Vehicles
  – Zone A: Chennai, New Delhi, Kolkata, Mumbai
  – Zone B: All Other State Capitals
  – Zone C: Rest of India

Insured Declared Value (IDV)

The insured declared value (IDV) refers to the value of the insured vehicle. It is determined at the beginning of every policy term.

Eligibility for Motor Insurance

In order to get insurance for your motor vehicle for India it is necessary to:

• You must be at minimum 18 years old
• You can become one of the citizens of India
• Have a car with a identification certificate (RC)
  Corporate entities and others may also buy motor insurance following certain instructions from insurance companies.

Harita Health Insurance

Health insurance helps pay for medical costs when you get sick. This includes hospital stays, medicine, and doctor visits.

What’s Covered?

• Cashless medical treatment  
• Pre- and post-hospitalization expenses  
• Coverage for pre-existing conditions  
• Doctor’s fees and medicine during hospitalization  
• Room rent  
• Ambulance fees  
• Medical check-ups  
• Tax benefits  

Group Medical Insurance Policy

Many employers offer group health insurance. This type of plan provides the same benefits to all employees and usually costs less than individual plans because the risk is shared among the group. It covers hospitalization for employees and their dependents due to illness or accidents.

Individual Health Insurance

Individual health insurance covers medical expenses for one person. It’s ideal for those whose family members are already insured or who have higher health risks. This plan covers hospital stays, surgeries, room rent, doctor fees, and tests. The insured person may need to pay a co-payment for some services. There are no age limits for renewing the policy.

Family Health Insurance Policy

Family health insurance covers multiple family members under one policy. It provides coverage for the insured, children, and spouse, allowing them to claim the full insured amount if hospitalized. The plan can be customized based on needs.

Personal Accident Insurance Cover

Personal accident insurance offers benefits for accidental death, disability, and injury. There are two types: individual policies for one person and group policies for multiple people.

Eligibility

• Minimum Entry Age: Children can usually get coverage from 16 days to 18 years. Adults can enter from 18 to 65 years, or up to 70 years depending on the plan.  
• Pre-Existing Conditions: If you buy insurance after 45, you may need medical tests. If tests aren’t required, you must declare any pre-existing conditions. These factors affect your eligibility for coverage.

Harita Travel Insurance

We all anticipate, regardless of where we travel. Be it sandy beaches and mountains covered in snow, green hills, or bustling cities, there are diverse adventures. Travel insurance makes traveling better and more secure. It protects you from delays on flights and lost possessions emergency medical situations, as well as injuries from extreme sports which allows you to rest and relax during your travels.

Travel Insurance Benefits

Your travels are supposed to benefit from recharge. The online travel insurance we offer has been designed to assist you in the need to recharge. If you are injured while jumping bungees lose your wallet or passport due to scams or have legal problems when renting a car at a foreign location, travel insurance for overseas is there to ensure your safety.

Easy Claims Process

The perfect thing about it? It’s not a hassle to settle your claims. The purchase of travel insurance online and making claims are quick and simple. All accomplished digitally in just a few only a couple of minutes!

Coverage Details

What is it that they cover?

• Retrieving and medical costs
• In-flight personal accident benefit
• The loss of a passport
• The loss of luggage

Types of Travel Insurance

• Insurance for travel abroad
• Travel insurance for individuals
• Travel insurance for students
• Senior citizen travel insurance
• Travel insurance for families

Who Can Get Insured?

The insurance can be used by people traveling abroad for work or vacation.

Harita Marine Insurance

Marine insurance comes in two primary kinds: Marine Cargo and Hull & Machinery.

What’s Covered?

It helps businesses remain in a stable financial position, helps manage risks as well as reduces stress caused by possible loss.

Marine Cargo Insurance

Marine cargo insurance covers products while they are shipped by air, sea rail, or inland canals.

Hull & Machinery

Hull & Machinery insurance covers physical damage to the vessel’s hull, engines, and the machinery used in handling the cargo.

Who Can Insure?

Import-export traders, contractors, banks as well as anyone who is associated with transporting goods can take out this insurance.

Harita Fire & Perils Insurance

Standard Fire and Special Perils policy Standard Fire and Special Perils insurance protects properties such as buildings inventory, their contents, and buildings from fire as well as other hazards, which include natural as well as created dangers.

What’s Covered?

This policy addresses:

• Lightning and fire
• Explosion and an implosion
• Strike, riot, as well as vandalism
• The aircraft’s damage
• Bush flames
• Impact damage
• Subsidence and landslides
• Water overflows or spills from tanks as well as pipes
• Testing of Missiles
• Leakage of sprinklers that are automatic (not including damage or loss)
• Cyclones, flooding, storms and even tornadoes

Insurable Assets

It is possible to insure the following in this policy

• Construction (both in construction as well as completed) which includes interiors as well as electrical installation
• Machinery and plant (new or second-hand and outdated)
• Furniture, fixtures and fittings
• Materials in process, finished stock, and stocks in manufacturing
• Electronics and electrical devices
• Other sources of assets include pipelines, cables as well as household goods

Eligibility

The policy protects against financial losses as well as property damage caused by an incident like fire or other dangers. All Indians who own or reside in an apartment in India may purchase a longer-term fire Insurance Policy. The policies for long-term duration are only offered for owners of homes or apartments.

Harita Mobile Insurance

Insurance for mobile phones protects your device from various dangers. It will cover loss, theft and damages. It is provided by companies regulated by IRDA The coverage may differ among them.

What are the benefits of mobile insurance?

It usually covers:

• Repair or replacement for damaged or stolen phone within 48 hours after reporting.
• Protection against accidental damage.
• Protection against liquid damages.
• Drop-off and pickup at the door for repair work.
• Cashless claims processing for claim.
• A few companies also deal with technical problems, such as issues that arise with charging ports and touch screens.

Mobile insurance covers dangers and damage. Because phones are electronic devices, they could fail or be damaged. These are the most common risk which are covered under mobile insurance

• Damage to the internal structure caused by water leaks.
• Problems with hardware such as touchscreens or ports that are not working.
• Fire damage.
• Strikes, riots or terrorism.
• Injuries resulting from malicious conduct.
• Screen damage.
• In the event of a burglary or theft, you could lose your property.
• The loss can result from the lock of a vehicle or a building.
• Any damage to part of the device, whether external or internal to the device.

Anyone who owns a smartphone tablet or other similar gadget is eligible for the insurance.

Harita Burglary Insurance

This policy guards against damage or damage to the value of valuables due to home burglaries, theft, or theft. This policy covers any incidents that involve actual forced entry or removal from the premises, as well as obstructions to entry and damages to the property.

What’s Covered?

The insurance covers personal property such as furniture and stocks that are owned by the insured in the place of business. The policy also covers damages caused to the property by attempts or burglaries. Jewelry, cash or valuables as well as securities that are kept in a secure safe or cash box in the steel cabinet can be protected in the event of the add-ons.

Categories of Burglary Insurance

There are three different types of insurance policies for burglaries:

1. Full Value Insurance It covers the entire worth of the property insured.
2. First Loss Insurance.
3. Stock Declaration Insurance.

Eligibility

This policy is intended for people or companies that have valuable things or assets that are at risk and require comprehensive insurance protection.

Harita Electronic Insurance

Insurance Policy The Insurance Policy covers damage to electronic equipment and software that is caused by unplanned incidents. The policy also covers the costs for other external data storage media as well as data restoration, and the increased costs of working.

What’s Covered?

This policy will cover any loss or damages to electronic equipment like:

• Computers
• Printers
• Scanners
• Industrial machines
• Servers
• Data storage equipment

Whom They Cover

They offer:

• The owner of the equipment
• Lessees that lease equipment
• Organizations that have financial interests in the equipment, for example financial institutions, banks

Electronic Equipment Insurance (EEI)

This covers:

• Computers and devices related to them
• Anauxiliary equipment such as UPS and voltage stabilizers
• Medical equipment such as cath laboratories, X-ray machines ultrasound devices, MRI, and CAT scans
• Equipment for audio-visual
• Electronic control panels

We protect those who own electronic devices, businesses who lease equipment, as well as finance companies or banks that purchase the equipment.

Harita Liability Insurance

The insurance policy shields the insured against legal lawsuits for damages resulting from injury, damage or pollution that is caused by the third party. The coverage applies to incidents caused by product defects that are covered in the policy within the duration of the insurance. All claims must be brought against the insured during the time frame specified in this policy.

To determine the indemnity granted::

• Ailment can be defined as death, injury to the body or illness that affects anyone.
• Damage is a reference to physical damage to the water, environment or land property.
• Pollution is the term used to describe contamination in the water or environment and land or any other properties.
• The term “product” is any physical object that has gone beyond the insurance company’s hands and is constructed, designed, produced or replaced by the insurance company.
• accident is a sudden incident that is unintentional and includes continuing exposures to the similar incident.

What’s covered?

• Guard against unexpected circumstances
• Protection against data breaches
• Protection against injury claims
• Security against the actions of employees or personnel

Related Insurance: Shriram Life Insurance Overview & Details

Why Choose Harita Insurance Broking?

Harita Insurance Broking LLP is one of the top and fastest-growing insurance brokerages within india with more than 13,85,600 delighted clients . Their possessions are at risk and cannot be anticipated. Therefore, it is essential to make sure they’re safe and ready to face such challenges.

Haritha Insurance Brokerage General Insurance helps you with precisely this. If it’s your home car, your home, or other asset, you’ll be able to feel secure knowing that if the unexpected happens it will be protected financially for every single one of them.

How to Contact Harita Insurance Broking?

• Add:- Jayalakshmi Estates No 29, Haddows Road, Nungambakkam, Chennai, Tamil Nadu – 600006
• +9144 28214232
• [email protected]

Final Thought:

Selecting the excellent insurance provider is essential to safeguard your life, health your assets, and property from the unexpected. Harita Insurance Broking offers customized insurance plans to satisfy a variety of demands, and is backed by experience and reliability. No matter if you need motor travel, health, or other specialized assurance, Harita provides complete coverage as well as security. Making a connection together with Harita Insurance Broking is a prudent choice to secure your most important things.

Frequently asked questions: