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RKinsure - Service Provider of vehicle insurance, inland transit insurance & commercial vehicle insurance in Mumbai, Maharashtra.

Nature of Business

Service Provider

Vehicle Insurance
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Vehicle Insurance

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Vehicle Insurance

The obvious reason for taking out an auto vehicle insurance policy on your vehicle- it’s the law. But there are many other reasons why we should get an Auto Insurance. The possibilities around the need for auto insurance are endless; insurance is the best way to achieve a degree of peace of mind as a driver; to protect you, your loved ones and others on the road.

No one wants to have an accident, but it happens every day. It’s very expensive to repair a seriously damaged vehicle. All it takes is a moment of contact with your vehicle to occur, and no matter how experienced a driver you are, you may not be able to avoid it. Or your vehicle may be the target of theft. Damages are common to stolen vehicles and you may need that insurance money to restore your pride and joy to its original state or to pay off your loan so you can replace it.

That’s where accident insurance comes in. You may not need it often, but when you need it, you really need it. Auto car insurance is mandatory. If you don’t secure coverage for your vehicle, you could incur fine, lose your license if you’re caught. If you cause an accident and have no insurance coverage, you could end up in court and be on the losing end of a lawsuit.

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Inland Transit Insurance
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Inland Transit Insurance

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Inland Transit Insurance

Inland Transit Insurance policy provides cover to the insured’s business goods or personal belongings while being transported by land.

Marine Inland Cargo Transit Insurance Policy

As your business grows, you are increasingly exposed to risks that are associated with the transit of goods and merchandise.

RKinsure can help you to successfully overcome these situations and put you in control. With Inland Marine Cargo Transit Insurance solution, you can safeguard yourself from risks associated with the transit of goods. This policy covers loss, destruction or damage to the goods whilst in transit by a lorry, train or any other land conveyance or whilst temporarily housed in the ordinary course of transit within the territorial limit or inland caused by named perils or accidental means.

Onward journey from the discharge port to the warehouse or factory, where the cover has terminated at the discharge port is called tail-end risk. Majority of CIF import in India are insured till the discharge port (CIF discharge port) hence onward journey from discharge port needs to be insured.

What are the covers / benefits provided?

There are 2 types of cover afforded under this class of insurance: –
a) Inland Transit (All Risk or ITC A) Clause Covering against all risks of loss or damage to the insured goods whilst in transit by road/rail.

b) Inland Transit Clause (Basic Cover or ITC B) Covering against loss or damage to the insured goods whilst in transit by road/rail caused by fire, lightning, breakdown of bridges, collision, overturning or derailment. Loss as a result of theft, pilferage or non-delivery known as TPND in insurance parlance can be covered by paying extra premium.

All tail end road transits (imported shipments) where the risk originates from any Indian Port, the coverage is normally ITC B, which broadly covers damage due to road accident. All risk cover is given with satisfactory pre-dispatch survey. Inland transit cargo insurance is very popular for the movement of domestic goods within the country. An open policy covering all the domestic movement of goods from anywhere in India to anywhere in India is most convenient insurance policy giving peace of mind.

As an importer/exporter, it is important to ensure that you have import-export insurance along with your inland transit insurance when your goods are being transferred between different countries. It is risky if your containers are not insured when in transit. By taking container insurance policy you can secure your containers from any damage in transit. Rkinsure provides with all your marine insurance needs.

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Commercial Vehicle Insurance
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Commercial Vehicle Insurance

Commercial Vehicles are part and parcel of many businesses. Whether you own a company with a single van or an entire fleet of commercial vehicles, commercial vehicle insurance is very useful and compulsory. Commercial vehicle insurance is an insurance policy which covers your commercial vehicle against different types of external damages, along with personal and third-party liabilities. It provides coverage for any legal liabilities following death, injury or property damage of third parties, arising out of your vehicle use.
. Protection from loss of or damage to the insured vehicle
.Unlimited liability for bodily injury or death
caused by operation of the vehicle
.Indemnity for third party property damage up to maximum
limit of Rs. 7.5 lakhs
.Personal accident cover to the vehicle owner in case of an individual
and optional accident cover for paid driver and cleaner.

What do businesses look for in a Commercial Vehicle Insurance Policy?

Businesses look for competitive rates and good customer service when looking for any kind of insurance coverage. It is the same with a commercial vehicle insurance policy. When buying a commercial vehicle insurance policy, customers look for an intermediary that offers the best premium rates. Moreover, customers look for easy procedures for enrolment and renewal. They also want the intermediary to be capable of helping to settle the claims in the lowest possible turnaround time.

RK offers vehicle insurance package policies for various classes of vehicles like Goods Carrying Vehicles Private and Public Carrier, Trailers, Passenger Carrying Vehicles, Miscellaneous and Special Types of vehicles – Mobile Rig, Shovels, Grabs, Tractor, Excavator etc.

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Motor Vehicle Insurance
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Motor Vehicle Insurance

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Motor Vehicle Insurance

The importance of car insurance is felt most when you are in a police station to report the theft of your vehicle or at a workshop to get it repaired after an accident. In both situations, a proper cover or bumper to bumper cover would ensure that you don’t lose money due to the unforeseen turn of events. Even so, while a standard auto car insurance policy will reimburse your loss, your wallet will also feel the pinch. There are always some expenses that a comprehensive policy will not fully cover. This is where the add-on cover becomes useful.
Let us look at some important bumper to bumper covers.

Bumper to Bumper / Additional Covers Zero Depreciation Cover

For the repair or replacement expenses of plastic, rubber, glass and other materials which would otherwise not be covered in a regular policy.

Engine Protection

For times when the monsoons are at their destructive worst and leave your car’s engine and your tear glands vulnerable to flooding.

Consumable Cover

Consumable items of a car include nut and bolt, screw, washer, grease, lubricant, clips, A/C gas, bearings, distilled water, engine oil, oil filter, fuel filter, brake oil and related parts. The basic auto car insurance policy does not cover such consumable items. However, at a nominal additional premium, you can opt for this add-on, whereby any expenses arising out of damage or loss to these parts can be covered under the policy.

NCB Protection

With bumper to bumper car insurance, you can enjoy a discounted premium on your no-claim bonus year-on-year, even after you make a claim during the policy period.

Return to Invoice Cover

When you have a bumper to bumper cover you can recover as much as the car’s on-road price or Insured Declared Value, in case of a total loss (such as theft or a bad accident).

Road Side Assistance

This is a very useful cover, especially if a woman or older person is driving. If the car runs out of fuel, gets a flat tire or breaks down due to any reason, the insurance company will arrange for fuel, change the flat tire or get it towed to nearest workshop. “If you have by mistake locked your key inside the car, the insurance company will even arrange for someone to pick up the duplicate from your house and deliver it to you.

Key Replacement

Your basic Car Insurance Policy, whether it is a Third-Party Liability Cover or Comprehensive Car Insurance Plan, does not include any cover pertaining to keys. Whether they are lost or stolen, you have to request a new one from the manufacturer. You may have to wait for 5-10 days to collect the replacement key. In most cases, you may even need to replace the locks, which is another added expenditure. The more luxurious and high-end the car model is, more expensive the new set of keys will be. be. This can be covered if you have an extended auto insurance.

Tyre Cover

Normally, damage to tyres and tubes are covered only if the vehicle has met with an accident resulting in damage to the tyres and/or tubes. Damage to the tyres and tubes without the vehicle meeting with an accident is not covered under the Private Car Package Policy issued to cover your car. To bridge this gap, an add-on cover ‘Tyre Cover’ that will indemnify you for damage to your Car Tyre(s) / Tube(s) without your Car getting involved in any accident, due to the reasons specified below. The insurance company will pay for the cost of repair/ replacement of tire/ tube and/or part(s) as applicable,

  • Due to impact cuts, bursts.
  • Due to impact bulging of side wall excluding manufacturing defect, chemical or atmospheric damages
  • Flattening of Tyre due to Hard Braking.

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Marine Cargo Insurance
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Marine Cargo Insurance

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Marine Cargo Insurance covers physical damage or loss of goods whilst in transit by land, sea, or air between the points of origin and destination. Unfortunately, many international shipments move uninsured as importers/exporters view insurance as an unnecessary expense involving extra administration.

With the rise of cargo ship accidents worldwide importers and exporters and cargo handlers are exposed to countless financial risks when they do not insure their international shipments. However, it is unfortunate that most importers/exporters are not well versed with the importance of marine cargo insurance policy in India and consider it just an extra expense. Hence, it is critical to understand that insurance costs way less than losing all your goods in an unfortunate circumstance and having to pay a huge lump sum amount for that.

Trying to recover losses from carriers is difficult and time-consuming and is unlikely to cover the true associated cost due to carrier’s limited liability and package limitation clauses. “All Risks” insurance relieves companies of their financial exposure from physical loss or damage to their goods while in transit since carriers have limited liability. The best way to protect your financial interest is with the appropriate marine insurance.

During tough economic conditions exporters, importers and cargo handlers have the tendency to shop around for cover only using price as a determining factor. Business should rather focus on what the policy covers instead of basing their decision solely on price. RK can arrange extremely competitive Ocean, Air and Inland Cargo Insurance with door to door coverage through all the insurance companies in India. RK has operations at 2 convenient locations handling more than 300 CHAs and FF  clients.

RK provides exceptional expertise and service to a broad portfolio of clients, and the specialist Maritime Division handles management of claims, covering marine and general cargo liability. At Rkinsure you can get the best policies for cargo insurance in India.

 

  • Marine Cargo Policies
  • Duty Insurance
  • Empty Containers Policies
  • MTO and Transport Liability Policies.
  • Online Policy Issuance
  • Policy on mail in an hour
  • Convenient location at Fort and CBD Belapur
  • Best Rates
  • Speedy and hassle-free claim settlement
  • Loyal and satisfied marquee customers.
  • Service history of more than 12 years.

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Import Export Insurance
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Import Export Insurance

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IMPORT EXPORT INSURANCE

Import Export Insurance is a type of insurance cover that relates to goods that are transported to and from countries. If your company is an exporter or importer – or both – then having the relevant insurance cover in place is essential to ensure the continuing success of your company in the future.

The coverage is generally defined by reference to clauses known as Institute Cargo  Clauses. The ICC ( C ), ICC (B) and ICC (A) Clauses define different levels of coverage against marine risks and the cargo may be covered subject to any one of these clauses.

It is a primary obligation under every international sale of goods contracts that either the seller or the buyer will have to arrange adequate insurance for the goods in accordance with the agreed shipment terms (INCOTERMS).

Cargo may be exposed to risks specific to the mode of transport and the route taken, as well as perils beyond the reasonable control of all parties to the contract, for instance:

  • Fire
  • Explosion
  • Armed Robbery
  • Storm, flood and other weather hazards
  • Washing overboard in the heavy sea
  • Leakage
  • General Average Claims (sea freight)

RK has designed a variety of simple yet comprehensive coverage solutions exclusively for its clients.
We offer industry-specific insurance products to support your business during every stage of transportation and storage.

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Container Insurance
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Container Insurance

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CONTAINER INSURANCE

Containerization is a system of intermodal freight transport using intermodal containers (also called shipping containers and ISO containers and Refrigerated containers).

The containers have standardized dimensions. They can be loaded and unloaded, stacked, transported efficiently over long distances, and transferred from one mode of transport to another—container ships, rail transport flatcars, and semi-trailer trucks—without being opened. The handling system is completely mechanized so that all handling is done with cranes and special forklift trucks. All containers are numbered and tracked using computerized systems. Containerization also reduced congestion in ports, significantly shortened shipping time and reduced losses from damage and theft.

As such, depending on the type of products to be shipped or the special services needed from them, container units may vary in dimension, structure, materials, construction etc. several types of shipping containers are being used today to meet requirements of all kinds of cargo shipping. Some of the most common types of shipping containers in use today are mentioned below.

DRY STORAGE CONTAINER The most commonly used shipping containers; they come in various dimensions standardized by ISO. They are used for shipping of dry materials and come in size of 20ft, 40 ft, and 10ft.

FLAT RACK CONTAINER With collapsible sides, these are like simple storage shipping containers where the sides can be folded so as to make a flat rack for shipping of a wide variety of goods.
OPEN TOP CONTAINER With a convertible top that can be completely removed to make an open top so that materials of any height can be shipped easily.

TUNNEL CONTAINER Container storage units provided with doors on both ends of the container, they are extremely helpful in quick loading and unloading of materials.
OPEN SIDE STORAGE CONTAINER These storage units are provided with doors that can change into completely open sides providing a much wider room for loading of materials.
DOUBLE DOORS CONTAINER They are kind of storage units that are provided with double doors, making a wider room for loading and unloading of materials. Construction materials include steel, iron etc in standardized sizes of 20ft and 40ft.

REFRIGERATED ISO CONTAINERS These are temperature regulated shipping containers that always have a carefully controlled low temperature. They are exclusively used for the shipment of perishable substances like fruits and vegetables over long distances.

HALF HEIGHT CONTAINERS Another kind of shipping containers includes half height containers. Made mostly of steel, these containers are half the height of full sized containers. Used especially for good like coal, stones etc which need easy loading and unloading.

ISO TANKS Container storage units used mostly for transportation of liquid materials, they are used by a huge proportion of entire shipping industry. They are mostly made of strong steel or other anti-corrosive materials providing them with long life and protection to the materials.

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Freight Forwarders Liability Insurance
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Freight Forwarders Liability Insurance

According to a survey by the World Shipping Council, an average of 1,390 containers are lost at sea every year. With the rise of Cargo ship accidents worldwide, cargo thefts on the rise. In this changing and seemingly more hazardous world, Marine and logistics risks can be complex and diverse. Liability exposure of service providers in the transport and shipping industries is very high and with ever-changing government regulations and high courtroom settlements, companies face increasing financial exposure. Transport Operator’s Liability, Freight Forwarder’s Liability program protects your business assets and provides legal defense when you need it most.

Whom does this policy cover?
  • MTO
  • Freight Forwarder
  • Hauliers
  • In transit Warehousing
  • Ship Agents
  • Clearing and Forwarding Agents
  • Custom House Agents
  • Packing and Consolidating Agents
What Operations does the policy apply to?
  • Air Movements
  • Sea Movements
  • Road Movements
  • Rail Movements
  • Acting as agent for third party NVOC principals

Multimodal transport operators, freight forwarders, custom house agents, logistic and warehouse operators, ship agents, ship brokers and other service providers in the transport and shipping industries face a wide range of liability exposures because they may:
a) act for their Principal in arranging shipping and transport services; or
b) contract with the cargo owner to transport goods; or
c) provide expert advice, assistance, and opinions.

Coverage Under The Policy

The policy covers legal liabilities arising out of:

  • Physical loss or damage to cargo while in the care, custody, and control of the insured, or a party who has contracted or sub-contracted to provide transport services
  • Physical loss or damage to vessel or equipment owned or operated by a subcontractor or customer
  • Consequential loss and/or business interruption resulting from 1 above
  • Unrecoverable cargo’s contribution to general average
  • Fines and Duty
  • The Errors and Omissions extension would cover legal liability arising out of the operations of the insured following a negligent act, error or omission by the insured, his agent or sub-contractor
  • The Third Party Liability extension would cover physical loss or damage to property, bodily death or injury or illness and legally recoverable consequential loss arising out of the operations of the insured.

Policies may also be tailored with multiple coverage options.

Territorial Limits

Worldwide but excluding any claim relating to an occurrence, situation or suit in or arising from Iran, Iraq, Yemen, Afghanistan, Somalia, Eritrea, Ethiopia, Democratic Republic of Congo, Republic of Congo, Syria, Libya and North Korea.

Securing your freight in transit is important, but that’s not just it. Getting a proper marine insurance for your cargo is also essential to keep them insured in case of any accidents or theft. At Rkinsure, you can insure your cargo even when they are being transferred from one country to another. With our import-export and inland transit insurance get your goods secured, whether they are on road or at the sea.

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