scientific 911: 2015

Saturday 14 March 2015

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Beautiful High heel lady shoes

Tuesday 27 January 2015

Economy and Safety go together with Auto Secure car insurance policy that will make you feel safer in your car than ever before. With greater benefits, exclusive features and more mileage on your investment, Auto Secure is a comprehensive car insurance policy that gives you maximum coverage against theft, accidental damage, third party liability and terrorism.

We have been delivering innovative automobile insurance solutions in Pakistan since 1949. Our primary focus is providing exceptional service to all our valued customers because you are the core of our business.

New Hampshire Insurance Company (Pakistan Branch) is part of AIG, AIG serves more than 70 million clients in over 160 countries and jurisdictions. It had a combined statutory surplus of $32.1 billion worldwide at year-end 2008. The Pakistan Branch of New Hampshire Insurance Company (Pakistan Branch) has been in operation since 1949. New Hampshire has established itself as a leading reliable international insurer with strong financial strength. Our underwriting expertise and discipline have remained at the core of our culture. Our clients include some of the largest names in commerce and industry. Small and medium sized enterprises and individuals equally trust us along with a host of retail customers. Our principal office is in Karachi with branch offices in Lahore, Islamabad and Faisalabad.

About AIG

AIG is a world leading property-casualty and general insurance organization serving more than 45 million clients in over 160 countries and jurisdictions. With a 90-year history, one of the industry's most extensive ranges of products and services, deep claims expertise and excellent financial strength, AIG enables its commercial and personal insurance clients alike to manage virtually any risk with confidence. AIG is the marketing name for the worldwide property-casualty and general insurance operations of AIG Inc.

What we provide

At AIG, we take on our clients’ challenges and goals. Whether the need is as fundamental as insuring a first home or as complex as providing environmental coverage, our priority is providing clients with the confidence they need to prosper. Behind every policy we write is our commitment to deliver what matters most to them. Among our unique strengths are:

Financial resources that allowed us to pay an average of $71M in claims worldwide every business day in 2008.
World-class talent with the know-how to assess vulnerability and underwrite the most complex risks – delivered through a local presence that enables us to respond rapidly when unforeseen events occur.
Ongoing development of new and industry-leading products and services, along with the ability to develop tailor-made solutions when existing offerings do not meet client needs.
An unwavering commitment to customer service excellence and to supporting our clients.

With deep resources and commitment, we enable our clients to pursue their goals with confidence.

Our brand

The AIG brand affirms the importance of our roots as one of the world’s leading insurance organizations. Our name and identity convey our continued commitment to earning trust through innovation. We remain focused on developing new products and managing risk and scale, based on insights derived from an expanded geographic reach that meets client needs in virtually every region of the world. AIG is taking measured steps to ensure a strong, independent future. At their core, the changes we are making represent a renewal and reinforcement of our commitment to the industry and dedication to customer service.

IGI Insurance IGI Auto Cover is a complete auto insurance plan

Welcome to IGI Insurance

IGI Insurance Limited is a flagship organization of Packages Group, one of the leading business houses of Pakistan.

IGI underwrites all types of property and casualty insurance: fire, marine, motor, travel, health, home and miscellaneous. Since 1953, IGI is providing comprehensive risk management facilities to a number of distinguished local and multinational business concerns through a network of branches in Pakistan.

Our covenant with the customers has always been to provide the best risk management services in Pakistan. Thus we have achieved through a total commitment to customer satisfaction, a highly professional attitude towards underwriting risk and prudent management practices. By developing a long-term relationship with our clients, in the last five decades, we have strived to create value for our customers and shareholders alike.

Auto Cover

IGI Auto Cover is a complete auto insurance plan for both individuals and corporate offering covering your automobile against the risk of:

Accidental damage
Fire, external self ignition or lightening or frost
Burglary, house-breaking, or theft
Malicious act
riot & strike
flood, hail, wind, hurricane, cyclone, tornado or typhoon
earthquake, volcanic eruption or other convulsion of n

ature
whilst in transit by air, road, rail, inland waterway, lift or elevator
third party legal liability
Terrorism

EFU GENERAL INSURANCE LTD motor insurance policy

Profile of Company

The Company was incorporated on September 2, 1932 and is engaged in non-life insurance business comprising of Property, Marine/Aviation, Motor and other Miscellaneous products.
The shares of the company are quoted on Karachi and Lahore Stock Exchanges of Pakistan.
The Principal place of business is located at EFU House, M.A. Jinnah Road, Karachi, Pakistan.
EFU is one of the few Pakistani organizations run totally by professional management and highly motivated field force.
Policies accepted by all institutions in the country.
Rating: Insurer Financial Strength AA+, Outlook: Stable (Rating Agency: JCR-VIS).
Client-base comprises of many leading business houses and multinational companies.
EFU gave the emerging insurance industry the leadership, the manpower and the drive needed to grow in a situation where at one time, three-fourths of insurance was held by foreign companies.
The company has also taken the initiative to transform its Enterprise Information System with an end to end solution comprising Oracle's latest technological software and hardware as part of the infrastructure solution to meet Company's projected Online Transaction Processing needs, keeping in view both the present requirements and future needs such as Data Warehouse, business intelligence and Customer Relationship Management System.
Tips on buying right motor insurance policy
List of Coverage for each type of Cover

Coverage

Act liability policy

Third party policy

Comprehensive policy

Third party personal injury and death

Third party property damage

Theft/own damage, constructive total Loss

EFU GENERAL INSURANCE LTD

Firstly as soon as car purchased the owner must buy an insurance cover. If a used car is purchased, the new owner needs to know that the cover of the previous owner is null and void.

The insured value or sum insured depends on the market value of the vehicle. Under insurance or over insurance occur when this value is not properly mentioned.

Over insurance occurs when sum insured is higher than the market value, maximum compensation is the market value of the vehicle.

Under insurance occurs if sum insured is less than the market values, you are as self-insuring the difference. In the event of a loss, you will only be partially compensated.

Average clause is applied when you suffer damage to your vehicle which is under insured. Your claim will be reduced proportionately by the uninsured portion, e.g. if you have insured your vehicle up to 70% of the market value, the insurance company will only pay 70% of total repair cost.

Private and Commercial Vehicle Comprehensive Insurance

This is the widest form of cover; our client is protected against financial losses of all kinds, accidental loss to vehicle, theft of car and third party liability claims on him or her.

Private and Commercial Vehicle Third Party Motor Vehicle Insurance

EFU's client is protected against all financial losses due to accidental damage liability of all forms to third party, property damage or bodily injury, death or both.

Private and Commercial Vehicle Act only Liability Insurance

The cover meets the minimum legal insurance requirement. In this cover, EFU offers you protection against financial losses due to liability of accidental bodily injury or death to third party. In addition to above basic protections we are offering insurance solutions to our clients, combining basic covers with following EXTRA BENEFITS.

Family Accidental Benefit Cover

EFU offer accidental death or injury benefit for insured, spouse and the entire family of EFU individual clients, in addition to comprehensive insurance of motor vehicle.

Accidental Death Cover for Salaried Driver

For our commercial clients owning fleet of vehicles a specially designed product offering personal accident covers for the paid drivers.

Protection of Loan Amount for Financial Institutions

For financial institution offering car financing schemes EFU offer modified insurance package offering protection of outstanding loan amount to the leasing company in case of death of lessee, combined with the comprehensive coverage of motor vehicle.

Personal Accident Benefit Cover for Passengers

This is a very popular cover that EFU is giving its clients who are in hospitality business, car rental service. Their guests are offered accidental injury or death benefits while traveling in motor vehicle.

Download Motor Proposal Form

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askari general insurance company limited (agico) Motor Insurance

Askri Motor Insurance

The policy provides comprehensive coverage against accidental damage including:
Fire
Theft
Snatching away by violent means
Riot & Strike damage
Loss or damage due to natural calamities
Road Traffic Act and a Common Law
Third party liability (bodily injury and property damage)

The policy can also be extended to include accidental personal injuries to and death of Driver and Passengers.askari general insurance company limited (agico) was incorporated in 1995 as a public limited company and is quoted on all the three stock exchanges of Pakistan and is registered and supervised by the SECP. It commenced its business in the same year and since then has by the grace of Allah maintained a steady growth.

agico is sponsored by the Army Welfare Trust (AWT) which is engaged in the business of finance, banking and production of consumer goods and services. The AWT has as many as 23 different companies working under its fold and most of these are quoted on the country's stock exchanges.

agico is one of the leading companies of this Trust and is rapidly growing to become a market leader in insurance sector of the country. Besides providing the traditional coverage like marine, motor and fire, askari general insurance also has the capacity to offer specialized coverage on various engineering risks. It is a pioneer and a market leader in its own right in health insurance and constantly exploring avenues to offer protection in areas yet unexplored by other companies.

With the grace of Allah the consistent progressive journey which started in the year 1995 is continuing. The Company is readily accessible in all areas of the country due to the presence of a large network of branches.

The trust which our clients have in us is evident from the fact that the Company has maintained its growth even in times when all the economic activities are at the lowest ebb. In view of this stable performance the company as been adjudged by the some leading national and international financial rating companies as "the company of future". askari general insurance has the commitment and the capacity to transform its promise into a reality.

Company Registration No: I-01677
Company National Tax Number: 2147359-5

jublie 3T-OLD CAR INSURANCE

The Aga Khan Development Network (AKDN) is a group of development agencies with mandates that include the environment, health, education, architecture, culture, microfinance, rural development, disaster reduction, the promotion of private-sector enterprise and the revitalisation of historic cities. AKDN agencies conduct their programmes without regard to faith, origin or gender.

The AKDN works in over 30 countries around the world. It employs approximately 80,000 people, the majority of whom are based in developing countries. The AKDN’s annual budget for non-profit development activities in 2010 was approximately US$ 625 million. The project companies of the Aga Khan Fund for Economic Development generated revenues of US$ 2.3 billion in 2010.

3T-OLD CAR INSURANCE

Older cars have history, and they come with little quirks that only you know about. So it's no surprise that old cars can have unique insurance needs. With this in mind, Jubilee General Insurance has designed 3T-old car insurance with the lowest premium rate of 1.5% net of insured estimated value.

COVERAGE:
Theft
Total loss
Third party liability

KEY POINTS
Age : 7 years and above
Value: less than Rs. 1 Million

INFORMATION REQUIRED
Pre-inspection
Car document verification

Adamjee comprehensive motor insurance

Motor Insurance policy is mandatory under the Motor Vehicle Act. Owing Adamjee Insurance Company Limited Motor Insurance ensures that the owner of vehicle is protected from financial losses, caused by damage or theft to the vehicle and third party liability.

Coverage
Adamjee comprehensive motor insurance policy gives you the maximum coverage against theft, accidental damage and third party liability with greater benefits, innovative features and hassle free post and pre insurance processing. The major scope of the cover includes:

Loss or Damage Due To:
Accidental means, Fire external explosion, Self - ignition
Lightning, Flood
Theft & Burglary
Malicious Act
Whilst in transit (Road & Rail)
Terrorism, Riots & Strikes (Optional)

Third Party Liability
Property Damage
Bodily Injury
Death

Some Exclusion
Losses incurred outside geographical area of Pakistan
Consequential loss depreciation wear and tear
Mechanical or electrical breakdown failures or breakage
Damage to Tyres and Battery unless the Motor Car is damaged at the same time where the liability of the company is limited to 50% of the cost of the replacement

Premium Payment Method
Premium payment can be made through cash, cheque, pay order, demand draft, telex transfer to the concerned Adamjee Insurance branch.

Company appoints surveyor who inspects the vehicle and submits the loss report.
After completion of required formalities and documents claim is processed by the company immediately.
On approval of the claim the payment cheque is released.

Monday 26 January 2015

Alleghany) Automobiles Insurance Companies Contact Us

Contact Us

About Alleghany Automobiles Insurance Companies

About Alleghany

Conservatism dominates our philosophy.

We shun investment fads and fashions in favor of acquiring relatively few interests in basic financial and industrial enterprises that offer the potential to deliver long-term value to the investor.

Alleghany’s objective is to create value through owning and managing operating subsidiaries and investments, anchored by a core position in property and casualty reinsurance and insurance.

We are managed by a small company staff which seeks out attractive investment opportunities, delegates responsibilities to competent and motivated managers, sets operating subsidiary goals, assists managers in the achievement of these goals, defines risk parameters and appropriate incentives and monitors progress against long-term objectives. The operating subsidiaries function in an entrepreneurial climate as quasi-autonomous enterprises.

ACUITY insurance company Automobiles Insurance Companies

ACUITY is a nationally recognized company specializing in property and casualty insurance. ACUITY has earned many accolades for its financial strength, innovative technology, workplace environment, and community philanthropy.

Financial Stability

Only commercial regional insurer to be rated A+ by both A.M. Best and Standard & Poor's, making ACUITY an icon of strength

Retains over $1 billion policyholder surplus, enabling ACUITY to protect the financial well-being of its policyholders

In business since 1925, ACUITY is the 65th largest insurer in the nation and manages over $3 billion in assets

Employee Oriented

Selected as the best mid-sized company to work for in America by Great Place to Work® in 2004, 2010, 2011, 2012, and 2013, and the only company in the nation to be ranked in the top five for 10 consecutive years

With less than 2% turnover, we attract and retain motivated, experienced, and dedicated professionals who will develop long-term relationships with you

Company Highlights

Writes a broad spectrum of property and casualty coverages for families and businesses in 23 states

Generates $1 billion in annual revenue through over 1,000 independent agencies

Over 98% of our agents rate our award-winning claims service as "very good" or "excellent"

Industry Rankings

Named to Ward Group's list of the best-run insurance companies in the nation for 14 consecutive years

Named a top 500 technology company by InformationWeek for 10 straight years

Winner of more ACORD technology awards than any carrier in the past 13 years

ACE Limited Automobiles Insurance Companies

ACE Group is one of the world’s largest multiline property and casualty insurers. With operations in 54 countries, ACE provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.

The company is distinguished by its broad product and service capabilities, exceptional financial strength, underwriting and claims handling expertise and local operations globally.

The insurance companies of ACE Group serve multinational corporations and local businesses with property and casualty insurance and services; companies and affinity groups providing or offering accident and health insurance programs and life insurance to their employees or members; insurers managing exposures with reinsurance coverage; and individuals purchasing life, personal accident, supplemental health, homeowners, automobile and other specialty insurance coverage.

With more than $94 billion in assets and nearly $23 billion of gross written premiums in 2013, ACE’s core operating insurance companies maintain financial strength ratings of AA from Standard & Poor’s and A++ from A.M. Best.

ACE Limited, the parent company of ACE Group, is listed on the New York Stock Exchange (NYSE: ACE) and is a component of the S&P 500 index.

ACE Group maintains executive offices in Zurich, Bermuda and New York, among other locations, and employs more than 20,000 people worldwide.

Insurance - North American P&C ACE USA – Commercial property and casualty (P&C), risk management and accident and health (A&H) coverages sold by retail brokers ACE Westchester – Commercial P&C excess and surplus lines sold by wholesale brokers ACE Bermuda – Liability, property, political risk coverages and captive programs sold by large international brokers ACE Private Risk Services – High-value personal lines coverages sold by independent agents and brokers ACE Commercial Risk Services – Specialty small business coverages sold by agents and brokers Insurance - North American Agriculture Rain and Hail – Comprehensive multiple peril crop and crop-hail insurance distributed through a nationwide network of specialized agents ACE Agriculture – Crop, farm and agribusiness P&C coverages sold by agents and brokers Insurance - Overseas General ACE International – Commercial P&C, A&H, and traditional and specialty personal lines sold by retail brokers, agents and other channels in 50 countries outside North America ACE Global Markets – Commercial P&C excess and surplus lines and A&H sold by wholesale brokers and through Lloyd’s Combined Insurance – Personal accident and supplemental health coverages sold by captive agents outside North America Global Reinsurance ACE Tempest Re – P&C and life reinsurance sold worldwide by reinsurance brokers Life ACE Life – Protection and savings products sold by agents, bancassurance and other channels in Asia, Latin America, and the Middle East Combined Insurance – Personal accident and supplemental health coverages sold by captive agents in North America -

21st Century auto Insurance company Automobiles Insurance Companies

About 21st Century Insurance

Since 1958, 21st Century Insurance has been dedicated to providing customers superior coverage and service, while helping them save money on auto insurance. 21st Century Insurance is part of the Farmers Insurance Group of Companies®, a leading U.S. insurer of automobiles, homes and small businesses and also provides a wide range of other insurance and financial services products. Farmers Insurance serves more than 10 million households with more than 20 million individual policies across all 50 states through the efforts of over 50,000 exclusive and independent agents and nearly 24,000 employees. Whether you get your car insurance quote on 21st.com, our mobile website, our 21st Century iPhone app or by speaking with one of our insurance professionals, you can expect excellent coverage, service and commitment to your satisfaction.

Claims services
21st Century Insurance claims are serviced by HelpPoint Claim Services by Farmers. As part of the Farmers family of companies, HelpPoint's knowledgeable claims professionals are available to 21st Century Insurance customers 24 hours a day, 7 days a week and provide outstanding claim service. In the event of a catastrophe, our trained and specialized Catastrophe Teams are ready to provide-on-the-scene service. We’re ready for all of your auto claims needs so you receive assistance when it's needed.

After the claim is filed – The Farmers Circle of Dependability
To help you get your car back on the road we offer the Farmers Circle of Dependability Program. This program consists of a trusted network of more than 2,200 repair facilities nationwide that provides customers fast service and high quality repair work that is guaranteed as long as you own your car. Of course, you can always use any repair shop. The choice is yours.

Work Environment and Awards
21st Century Insurance has nearly 2,000 employees focused on delivering excellent service to our customers. With a positive and rewarding work environment, 21st Century Insurance is a great place to start or further your career. This great environment results in award-winning service: we have been awarded the Confirmit Ace Award five times. To see what some of our customers are saying, join the conversations on Facebook and Twitter or read some of our ratings and reviews.

Chevrolet Camaro fully automatic

Nothing turns heads like a muscle car, and the Camaro is no exception—behold its striking coupe or convertible styling, rowdy exhaust note, and rubber-burning attitude. The LS and LT feature a 323-hp 3.6-liter V-6; the SS gets a 426-hp 6.2-liter V-8. A six-speed manual is standard on all; a six-speed auto is optional, but on the SS it gets just 400 hp. The 1LE option for SS coupes has unique gearing, suspension, and tires with the manual only. See the Z/28 or ZL1 for max Camaro performance.