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Agreguemos adems que la balanza la inclinan hacia el individualismo social, dejando de lado la solidaridad ciudadana, nacional y/o mundial. Este cambio en lo conductual, favorece a los gobiernos en general y empobrece al gnero humano a nivel mundial. Ante esta sombra realidad, existe otra, pequea, incipiente, dbil, pero no menos real, y es el surgimiento de algunos gobernantes latinoamericanos, salidos de las entraas de sus pueblos, quienes estn adoptando medidas opuestas a las mas arriba descriptas.
“What we’re going to see over the next couple years is going to be extremely exciting,” says Dan Ledger of Endeavor Partners, which consults with the companies that are inventing wearables. “As the technology improves . We’re going to get devices that solve a lot of useful and unique problems for a lot of people out there.”.
“Splitting the third party and own damage cover would require a change in many regulatory provisions, which may not be possible by the Supreme Court deadline,” says Puneet Sahni, head product development, SBI General Insurance.Every comprehensive auto insurance has two parts.The third party is mandatory by law, and it covers the liabilities arising from damage caused to a third party.The insurance regulator fixes the premiums for third party every year. The own damage portion covers the vehicle.Insurers are already selling cover for two wheelers for up to three years.For the vehicle owner, the overall cost of buying a car can go up by 2% to 3% as s/he will need to shell out more for long term insurance.For two wheelers, the cost would rise by 1% to 1.5%.”By law, insurance premiums cannot be financed. For car buyers, it will be a big upfront cost,” says Roopam Asthana, CEO, Liberty General Insurance.Whether the cost of insurance will come down in the long term remains to be seen as insurers have not yet formulated the pricing for long term car insurance.Insurers have priced long term two wheeler policy cheaper than one year.If one year comprehensive two wheeler policy costs Rs 1,037, the three year would cost Rs 2,905 a saving of around 7 per cent.But in yearly plans, the vehicle owner also has a chance of getting a no claim bonus of up to 50% that can bring down the premiums drastically.”It’s not possible to build in NCB in long term products,” says Asthana.If an individual is buying a new car and has a no claims bonus from the previous policy, s/he can transfer it to the new one and get a policy at cheaper rates.But in longer tenured policies, such individuals may not get the entire NCB.If an individual has 50% no claim bonus from the earlier insurance, for the new car s/he may end up getting a discount of, say, only 20 per cent.The discount is lowered as the insurer has to account for claims after the second year of the policy.At the same time, the vehicle owners get stable rates for third party insurance which have been rising every year.When it comes to multi year insurance products, the insured declared value (IDV) of a vehicle is also a challenge.The IDV is the price an insurer would pay the vehicle owner if there is total loss of the vehicle.In the case of two wheelers, insurers have adopted different ways to price the IDV.