Sr. No.

Insurer Registered/Corporate Address CEO/CMD Appointed Actuary

Telephone no./Fax no./ Web address of the Insurer
1 Acko General Insurance Ltd. Unit No. 301 & 302, 3rd Floor, F Wing, Lotus
Corporate Park, Off Western Express Highway, Goregaon East, Mumbai 400 063. Mr.
Varun Dua Mr. Biresh Giri Phone: 022 62672525 Web: www.acko.com
2 Aditya Birla Health Insurance Co. Ltd. 9th Floor, One Indiabulls Centre,
Tower 1, Jupiter Mills Compound, S.B. Marg, Elphinstone Road, Mumbai-400013 Mr.
Mayank Bathwal Mr. Nirav Hasmukhbhai Shah Phone: +91 22 6279 9500 Web:
www.adityabirlahealthinsurance.com
3 Agriculture Insurance Company of India Ltd. Agriculture Insurance Company
of India Ltd.Plate B&C, 5th Floor, Block 1, East Kidwai Nagar,New Delhi-110023
Mr. Malay Kumar Poddar Mr. Siddesh Ramasubramanian Phone: 011-24600444 Web:
www.aicofindia.com
4 Apollo Munich Health Insurance Co. Ltd Apollo Munich Health Ins. Co. Ltd.
2nd & 3rd Floor, iLabs CentrePlot no. 404 & 405, Udyog Vihar, Phase – IIIGurgaon –
122 016, Haryana Mr. Antony Jacob Mr. Viswanath Mahendra Phone: 91-124-4584333
Fax: 0124-4584111 Web: www.apollomunichinsurance.com
5 Bajaj Allianz General Insurance Co. Ltd Bajaj Allianz House, Airport Road,
Yerawada, Pune – 411006 Mr. Tapan Singhel Mr. Gaurav Malhotra Phone: 020-
66026666 Fax: 020-66026667 Web: www.bajajallianz.com
6 Bharti AXA General Insurance Co. Ltd. 19th floor, Parinee Crescenzo, ‘G’
block,Bandra Kurla Complex, Opposite MCA Club, Bandra (E), Mumbai – 400051 Mr.
Sanjeev Srinivasan Ms. Banashree Satpathy Phone: 022 49181569 Web:
www.bharti-axagi.co.in
7 Cholamandalam MS General Insurance Co. Ltd. Dare House, 2nd floor, No 2.
NSC Bose Road, Chennai 600001 Mr. S S Gopalarathnam Mr. Ashwani Kumar Arora Phone:
044-30445400 Fax: 044- 30445550 Web: www.cholainsurance.com
8 Manipal Cigna Health Insurance Company Limited 401/402, 4th Floor, Raheja
Titanium, Westren Express Highway, Goregaon (East), Mumbai – 400063 Mr. Prasun
Kumar Sikdar Mr. Joydeep Saha Phone : +91 22 6170 3600
Web: www.manipalcigna.com
9 DHFL General Insurance Ltd. 402,403 & 404, A & B Wing, 4th Floor, Fulcrum,
Sahar Road, Next to Hyatt Regency, Andheri (East), Mumbai – 400099. Mr. Vijay
Sinha Mr. Prasun Sarkar Phone : +91(22) 40018100Web: www.dhflinsurance.com
10 Edelweiss General Insurance Co. Ltd. Edelweiss House, Off CST Road,
Kalina, Mumbai 4000098 Ms. Shubhdarshini Ghosh Ms. Tania Chakrabarti Phone: +91
(22) 2286 4400 Web: www.edelweissinsurance.com
11 ECGC Ltd. Express Tower, 10th Floor, Nariman Point,Mumbai-400021 Mr. M.
Senthilnathan (Additional Charge of CMD) Ms. Priscilla Sinha Phone :022-
66590500/0510Fax: 022-66590517Web: www.ecgc.in
12 Future Generali India Insurance Co. Ltd. Indiabulls Finance Centre,6th
Floor, Tower 3, Senapati Bapat Marg,Elphinstone Road (W), Mumbai - 400 013 Mr.
Anup Rau Mr. Jatin Arora Phone: +91 22 4097 6666 / 40976980 Web:
www.general.futuregenerali.in
13 Go Digit General Insurance Ltd Smartworks Business Center, 1st Floor,
Nyati Unitree, West Wing, Samrat Ashok Road, Yerawada, PUNE - 411006 Mr. Vijay
Kumar Mr. Adarsh Agarwal Phone: 020 6749 5454Fax: 020 6747 5400Web:
www.godigit.com
14 HDFC ERGO General Insurance Co.Ltd. HDFC House, 1st Floor, 165-166, Backbay
Reclamation, H.T. Parekh Marg, Churchgate, Mumbai - 400020 Mr. Ritesh Kumar Mr.
Hiten B. Kothari Phone: +91 22-66383600 Fax No.: +91 22-66383699 Web:
www.hdfcergo.com
15 ICICI LOMBARD General Insurance Co. Ltd. ICICI Lombard House, 414, Veer
Savarkar Marg Near Siddhivinayak Temple, Prabhadevi Mumbai 400025, India Mr.
Bhargav Dasgupta Phone: 1800 2666Fax: 022 - 61961323Web:
www.icicilombard.com
16 IFFCO TOKIO General Insurance Co. Ltd. IFFCO Tower II, 4th & 5th Floor,
Plot No. 3, Sector 29, Gurugram- 122001 Mr. Warendra Sinha Mr. Vaibhav Tyagi
Phone: 0124-2850100 Fax: +91-0124-2577923,2577924 Web: www.iffcotokio.co.in
17 Kotak Mahindra General Insurance Co. Ltd. 8th Floor, Kotak Towers, Building
No. 21, Infinity Park, Off Western Express Highway, Malad (E), Mumbai – 400 097
Mr. Mahesh Balasubramanian Mr. Mehul Shah Phone: 022 66056825Fax: 022
28401823Web: www.kotakgeneralinsurance.com
18 Liberty General Insurance Ltd. 10th Floor, Tower A, Peninsula Business
Park, G.K. Marg, Lower Parel, Mumbai-400013 Mr. Roopam Asthana Fax:
022-67001606 Web: www.libertyinsurance.in
19 Magma HDI General Insurance Co. Ltd. 401, 4th Floor, Rustomjee Aspiree,
Off. Eastern Express Highway, Imax Dome Theatre Road, Sion (East), Mumbai-400022
Mr. Rajive Kumaraswami Mr. Shivendra Tripathi Phone: 022- 67284800Web:
www.magma-hdi.co.in
20 Max Bupa Health Insurance Co. Ltd Max Bupa Health Insurance Co. Ltd.Block
B1/1-2, Mohan Cooperative Industrial Estate, Mathura Road,NEW DELHI – 110 044.
Mr Ashish Mehrotra Mr. Ramanan A V Phone: 011-3090 2000Fax : 011-3090
2010Web: www.maxbupa.com
21 National Insurance Co. Ltd. 3, Middleton Street, Prafulla Chandra Sen
Sarani , Kolkata, West Bengal, 700071. Mrs. Tajinder Mukherjee Mr. Ashok Kumar
Lahoty Phone: 033 22831705Fax: 033 22831740Web:
https://nationalinsurance.nic.co.in
22 Raheja QBE General Insurance Co. Ltd. Raheja QBE General Insurance Co.
Ltd.“Windsor House”, 5th FloorCST RoadKalina, Santa Cruz (East)MUMBAI 400 098
Mr. Pankaj Arora Mr. Rohit Ajgaonkar Phone: 022- 4231 3888Fax : 022-4231
3777Web: www.Rahejaqbe.com
23 Reliance General Insurance Co.Ltd Reliance centre, 6th Floor, North wing,
off western express highway, Santacruz (East) Mumbai-400055Mr. Rakesh Jain Mr. A
V Karthikeyan Phone: 022-33031000Fax : 022-33034662Web:
www.reliancegeneral.co.in
24 Reliance Health Insurance Ltd. Reliance centre, 1st Floor, North wing,
off western express highway, Santacruz (East) Mumbai-400055Mr. Ravi Vishwanath (ED
& CEO) Ms. Raunak Jha Phone: 022 3342 6868
Web: www.reliancehealthinsurance.com
25 Religare Health Insurance Co. Ltd Religare Health Insurance Co. Ltd.Vipul
Tech Square,Tower C, 3rd Floor, Sector – 43,Golf Course Road, Gurgaon – 122009
Mr. Anuj Gulati Mr. Irvindersingh Kohli Phone: Tel: 0124 - 6141810Fax: 0124
- 6141894Web: www.religarehealthinsurance.com
26 Royal Sundaram General Insurance Co. Ltd. "Vishranthi Melaram Towers"No.2/319
, Rajiv Gandhi Salai (OMR)Karapakkam, Chennai - 600 097 Mr. M S Sreedhar Mr.
Supriyo Chaki Phone: 044-7117 7117 Web: www.royalsundaram.in
27 SBI General Insurance Co. Ltd. ‘Natraj’ 301, Junction of Western Express
Highway & Andheri-Kurla Road, Andheri (East), Mumbai - 400069 Mr. Pushan
Mahapatra Ms. Gayle Adams Phone : 022 4241 2003Fax: 022 4241 2071Web:
www.sbigeneral.in
28 Shriram General Insurance Co. Ltd. E-8, EPIP, RIICO Industrial Area,
Sitapura, Jaipur-302022(Raj.) Mr. Anil Kumar Aggarwal Mr. Sourav Roy Phone: +91-
141-3928400, 3951111 Fax : +91-141-2770692/93, Web: www.shriramgi.com
29 Star Health & Allied Insurance Co.Ltd. Star Health & Allied Insurance
Co.Ltd.1, New Tank StreetValluvar Kottam High RoadNungambakkamCHENNAI 600 034
Mr. V. Jagannathan Mr.Chandrashekhar Dwivedi Phone: 044-2828 8802 (D)
Telefax:044-2826 0062 / Fax:044-2828 8888Web: www.starhealth.in
30 Tata AIG General Insurance Co. Ltd. Peninsula Business Park, Tower A, 15th
Floor, G.K. Marg, Lower Parel, Mumbai – 400013 Mr. Neelesh Garg Mr. Neel Chheda
Phone: 022 – 66699697Web: www.tataaig.com
31 The New India Assurance Co. Ltd 87, M.G Road, Fort, Mumbai, Maharashtra –
400 001 Mr. Atul Sahai Mr. Sharad Ramnarayanan Phone: 022-22708100Fax: 022-
22700470Web: www.newindia.co.in
32 The Oriental Insurance Co. Ltd. The Oriental Insurance Co. Ltd.“Oriental
House”A-25/27, Asaf Ali RoadNEW DELHI 110 002 Mr. A. V. Girija Kumar Mr. Saket
Singhal Phone: 011-2326 5024, 2327 9221 Web: www.orientalinsurance.org.in
33 United India Insurance Co. Ltd. 24,Whites Road, Chennai-600 014 Mr.
Girish Radhakrishnan Mr. Palreddy Vishnuvardhan Phone: 044-28520958/28525275
Web: www.uiic.co.in
34 Universal Sompo General Insurance Co. Ltd. Unit No. 401, 4th floor,
Sangam Complex, 127, Andheri Kurla Road, Andheri (E) , Mumbai – 400059, Maharashtra
Mr. Bisheshwari Singh (Principal Officer) Mr. Vikas Gar
Non-life Insurers
National Insurance Company Limited is India’s Oldest General Insurance Company. It
was incorporated in Kolkata, West Bengal on December 5, 1906 to fulfil the
nationalist aspiration for Swaraj. 66 years later, after passing of General
Insurance Business Nationalisation Act in 1972, it was merged along with 21 foreign
and 11 Indian companies to form National insurance Company Limited, one of the four
subsidiaries of the General Insurance Corporation of India, fully owned by Govt. of
India. Under the provisions of this Act, the shares of existing Indian general
insurance companies and undertaking of other insurers were transferred to GIC for
the regulation and control of insurance business.
On Aug 7, 2002, National insurance was delinked from its holding Company that is
GIC and was formed as an independent insurance company.
National Insurance has offices all over India and a foreign office in Nepal. The
Company has strong presence with around 1730 offices and more than 13000 skilled
employees and over 50000 Agents spread all over the nation.
Mission:
To be the most preferred choice of customers for General Insurance by building
Relationships and grow profitably.
Vision:
• Leveraging technology to integrate people and processes.
• To excel in service and performance.
• To uphold the highest ethical standards in conducting our business.
Products of National Insurance:
National Insurance Company Ltd offers a wide range of insurance services to its
customers with around 300 products. The products it sells can be subdivided into
various lines of business:
• Personal Line of Insurance like Health Insurance, Personal Accident,
Householders’ Insurance, Shopkeepers’ Insurance etc
• Motor Vehicle Insurance
• Rural Insurance covering Livestock, Agricultural implements
• Industrial & Commercial Insurance covering industrial units, power
plants, business establishments etc. against fire & allied perils, natural
calamities etc.
Awards & Achievements:
• National insurance is the first Company to introduce office on wheels
in India.
• It is a pioneer in Bancassurance and Auto tie ups in India and also is
a leading insurer for Social Schemes.
• It also provides 24x7 live chat support.
• The Company has also been awarded several national and international
awards like Economic Times Iconic Brands 2018 (General Insurance Category), SKOCH
order of merit 2017 for General Insurance Company of the year and The Asset Asian
awards 2017 for cash management solutions.
Corporate social responsibility:
National Insurance Company takes up CSR activities to operate in an economically,
socially and environmentally sustainable manner. Its priority and thrust areas have
been - education and vocational training, health and sanitation including drinking
water projects and rehabilitation and welfare of underprivileged differently abled
person etc. with the current focus being Swacch Bharat projects.


d) In respect of compromise/negotiated settlement arrived under Common Mechanism
for Compromise Settlement of Third Party Claims (CMCSTPC) Scheme, financial
authority applicable would be to the extent of100 % subject to maximum of
Rs.10,00,000/-

Cases in which Pay And Recover awards are being passed:-

 
1. Fake/invalid/ineffective/inappropriate DL
 
2. Expired/ no dl
 
3. Permit/no permit/violation of permit
 
4. Passenger in goods vehicle
 
5. Occupant in private car/ pillion rider in two wheeler under act only policy
 
6. Overloading
 
7. Cancellation of policy due to dishonour of cheque
 
8. Breach of any other terms and conditions of the policy
 
While the pay and recover awards are being accepted by Insurance Company in the
case of 1, 2 & 3; in other cases i.e. 4 to 8 the position of law is well settled
that the insurance company can’t be held liable to pay compensation and as such the
pay and recover awards in such cases needs to be appealed against based on the
merit of each case and after meticulously perusing the efforts made at the trial
stage and cost benefit analysis.
 
 
MOTOR THIRD PARTY CLAIMS MANUAL
 
 
STEPS TO BE TAKEN DURING TRIAL STAGE:
 
 To analyse the case as soon as summons with claim petition copy and/or
investigation report is received as to whether the case falls in the ambit of Pay
and Recover
 And if so, a separate investigation should also be made simultaneously preferably
by a senior investigator to ascertain the details as follows:-
o To make general inquiries of the personal details of the insured (social status,
place of residence, near kith and kin etc.)
 
o To ascertain the details of his earnings i.e. trade, business, industry, service,
professional career etc.
 
o Details of movable property and their values in the name of the insured and his
family members
 
o Details of Immovable property and their values in the name of the insured and his
family members
 
o IT returns filed by the insured for the last three years.
 
o Details of bank account of the insured/shop/firm/company.
 
o Any other relevant information regarding the financial condition of the insured.
 
 
 The material information and documents collected along with investigator’s report
should be supplied to our counsel for dealing of the case and for putting up
effective defense so that exoneration can be procured in company’s favour.
 
 Separate miscellaneous petition has to be filed before the Trial Court for
issuing direction to the RTO or to the revenue authorities for not transferring the
assets in the name of the insured without the permission of the Court
 
 
 A plea should be taken before the Tribunal to the effect that copy of the pay and
recover order should be served on the concerned RTA and property registration
authority so that the vehicle owner is prevented from disposing the vehicle and/or
is immovable property until the realization of recovery amount.
 
 The Endeavour of the advocate should be to procure exoneration and cite relevant
case laws.
 
 
STEPS TO BE TAKEN AFTER THE AWARD:
 
 The recovery petition under section 174 r/w 149(4) of M.V. Act, should be filed
before the same tribunal which passed the pay and recover order.
 
 The petition should be filed for direction to RTA against transfer of the insured
vehicle.
 
 Registered AD letter should also be sent to the concerned RTA informing about
such recovery proceeding and not to allow any application for transfer of the
insured vehicle.
 While satisfying the pay and recovery order, separate petition is to be filed
along with recovery petition with the prayer to issue notice to the insured or
vehicle owner to furnish security and till such time the amount deposited should
not be released to the claimants as per the decision of Hon’ble Supreme Court in
the case of Oriental Insurance Company vs. Shri Nanjappan and Ors., 2004(2) TAC 12
(SC)
 
The decision to file appeal in the case where recovery right is granted will depend
on case to case basis on merits, after meticulously perusing the efforts mad
SECTION 66: NECESSITY OF PERMIT
 
General Rule: For all transport vehicles used or intended to be used at public
place shall be required to obtain permit from the transport authority.
 
Exception: It shall not apply-
 
1) to any transport vehicle owned by the Central Government or a State Government
and used for Government purposes unconnected with any commercial enterprise;
 
2) to any transport vehicle owned by a local authority or by a person acting under
contract with a local authority and used solely for road cleansing, road watering
or conservancy purposes;
 
3) to any transport vehicle used solely for police, fire brigade or ambulance
purposes;
4) to any transport vehicle used solely for the conveyance of corpses and the
mourners accompanying the corpses;
5) to any transport vehicle used for towing a disabled vehicle or for removing
goods from a disabled vehicle to a place of safety;
6) to any transport vehicle used for any other public purposes as may be prescribed
by the State Government in this behalf;
7) to any transport vehicle used by a person who manufactures or deals in motor
vehicles or builds bodies for attachment to chassis, solely for
8) such purposes and in accordance with such conditions as the Central Government
may, by notification in the Official Gazette, specify in this behalf;
 
9) to any goods vehicle, the gross vehicle weight of which does not exceed 3,000
kilograms;
 
 
10) subject to such conditions as the Central Government may, by notification in
the Official Gazette, specify, to any transport vehicle purchased in one State and
proceeding to a place, situated in that State or in any other State, without
carrying any passenger or goods;
11) to any transport vehicle which has been temporarily registered under section 43
while proceeding empty to any place for the purpose of registration of the vehicle;
12) to any transport vehicle which, owing to flood, earthquake or any other natural
calamity, obstruction on road, or unforeseen circumstances, is required to be
diverted through any other route, whether within or outside the State, with a view
to enabling it to reach its destination;
13) to any transport vehicle used for such purposes as the Central or State
Government may, by order, specify;
 
14) to any transport vehicle which is subject to a hire-purchase, lease
hypothecation agreement and which owning to the default of the owner has been taken
possession of by or on behalf of, the person with whom the owner has entered into
such agreement, to enable such motor vehicle to reach its destination; or
 
15) to any transport vehicle while proceeding empty to any place for purpose of
repair;
 e at the trial stage.

Age Group Multiplier Age Group Multiplier

15 to 20 18 46 to 50 13
21 to 25 18 51 to 55 11
26 to 30 17 56 to 60 9
31 to 35 16 61 to 65 7
36 to 40 15
66 to 70 5
41 to 45 14

Deduction for Personal Expenses

Bachelor Married
Dependants Dependants
only parents ½ 2 to 3 ⅓
if other like

younger ⅓ 4 to 6 ¼
siblings also

dependant more than 6 ⅕



Future Prospects
For Permanent job (salaried) Add For Self Employed
Below 40 years 50% Below 40years 40%
40 to 50 years 30% 40 to 50 years 25%
51-60 years 15% 51-60 years 10%
Note: New addition to Sarla Verma for above age of 50 from Nil to 15%
Note: For those salaried on Permanent job actual salary less tax and for
Self employed established income less tax component.

Bhakra Beas Management Board vs. Smt. Kanta Agarwaal &Ors. ,2008ACJ2372SC— Employer
of the deceased provided employment to the widow on compassionate ground—Award was
passed by Tribunal and upheld by High Court— Appeal before Apex Court by Insurance
Co. contending that benefits which the claimant has received because of
compassionate job, should have been deducted while computing compensation—Held: the
High Court lost sight of the fact that the benefits which the claimant receives on
account of the death or injury have to be duly considered while fixing compensation
. The award passed for Rs.8,48,106/- was reduced to Rs.500000

In Master Mallikarjun Vs. NIC AIR 2014 SC 736

Apex  court  is  that  in  addition  to  the  actual

expenditure  for  treatment,  attendant,  etc.,  the

compensation should be, if the disability is above
10% and upto 30% to the whole body, Rs.3 lakhs;
upto 60%, Rs.4 lakhs; upto 90%, Rs.5 lakhs and
above 90%, it should be Rs.6 lakhs.
S. Manickam Vs. Metropolitan Transport Corp.
Ltd., (2013)ACJ1935SC: Whether compensation
in a motor vehicle accident case is payable to a
claimant   for   both   heads,   viz.,   loss   of
earning/earning  capacity  as  well  as  permanent
disability.  Held  –  in  addition  to  the  amount
determined by the High Court, we grant a sum of
Rs. 1,00,000/- as awarded by the Tribunal, towards
85% permanent disability

If the Claim Petition does not disclose any Policy particulars or particulars
disclosed are not sufficient for locating the Policy issuing office, then the
Advocate should be instructed to file a petition before the MACT u/s 169(2) of the
M.V. Act, 1988 with a prayer for disclosing better Policy particulars by the
Claimants / Vehicle Owner in the mean time the claim to be registered as orphan
claim17 with adequate provision i.e. for the first year 1/3rd of the expected
liability and after one year if the claim is still identified as orphan, then 100%.

If O/s Provision is more than Rs.25 lacs & upto 50 lacs, approval to be sought for
Advocate's appointment in prescribed format from Regional Office.
 
ii. If O/s Provision is more than Rs. 50 lacs, approval to be sought for Advocate's
appointment in prescribed format from Head Office through R Registration of claim
by the servicing office within 24 hours of receipt of the summon & petition.
 
2. Appointment of the Advocate & Investigators within 2 working days of the receipt
of the court summon.
 
3. Documenting with Policy copy & Section 64VB within 3 working days of receipt of
the court summon.
 
4. Motor TP Investigator to submit report within 30 days of appointment and under
special circumstances to be allowed further period not exceeding another
 
5. Panel advocate to intimate dealing office briefly about the award through
mail/phone and also to apply for the certified copy of the award on the very day of
the pronouncement of the judgment.
 
6. The certified copy of the award along with the reasoned opinion is to reach the
dealing office within 3 days of its issue by the Court Registry.
 
7. Please sensitize our learned panel advocates & investigators of our requirements
through a suitable letter/e-mail and/or through interactive session.
 
8. The professional fees & expenses are to be released to the investigators &
advocates within 5 days of receipt of Investigation Report, copy of WS & Award copy
along with opinion and necessary documents respectively.
 
9. The following processing time is to be strictly adhered to at different tiers of
the company to decide whether we should appeal or satisfy the award.
 
Branch / Divisional Office/TP Hub Maximum 10 days

Regional Office Maximum 7 days (if no expert legal

opinion is required) and 12 days (if
expert legal opinion is required)

Head Office Maximum 7 days

 
 
10. The Written Statement & the Written Arguments for High Value Tribunal Cases
exceeding the outstanding liability of Rs. 50 lakhs have to be approved by the HO
Motor TP department before its filing in the MACT. The soft copies
documents shall be mailed to the concerned officer in Head Office Motor TP
Department, which will be approved by HO & communicated to ROs within 2 working
days.
 
11. Our company officials remain present in the trial court during the cross
examination of major witnesses and also at the time of final arguments in respect
of High Value Tribunal Cases exceeding the outstanding liability of Rs. 50 lakhs
for better understanding of the defence being taken by our learned panel advocates.
 egional Office.

Os provision Mact. 7.5%. WC. 12%

In fact, the judiciary has went to the extent of observing that if, the claimant is
not financially dependent on the deceased then he/she is only entitled for
compensation to the extent of no-fault liability.21. Sometimes NFL + non peculiarly
damages

Girija kumar chairman. Gi council

20 0000 cr prem target 20-21
CSR