Earthquake (Fire & Shock)
Earthquake (Fire & Shock). Fire damage AND shock / structural damage to the vehicle resulting directly from an earthquake, including damage from falling. — DigiSurvey.
What it covers क्या कवर होता है
Fire damage AND shock / structural damage to the vehicle resulting directly from an earthquake, including damage from falling masonry at the parked location.
भूकंप से सीधे होने वाला आग का नुकसान और shock/structural नुकसान, जहाँ गाड़ी खड़ी थी वहाँ गिरती चिनाई से हुआ नुकसान शामिल।
Surveyor's verdict / key conditions सर्वेयर की जाँच
Admissible under OD. Confirm NCS / IMD / USGS record of the quake (date, time, magnitude, epicentre distance to the loss location). Photos of the location — collapsed wall, boundary, hoarding on top of the vehicle — are a must. Reject if the damage pattern (clean side-swipe, bumper-only) is inconsistent with crush damage from falling debris. In H1/2 cat events, a cat-code often applies and excess may be waived — follow insurer circular.
OD में admissible। NCS / IMD / USGS का भूकंप record (तारीख़, समय, magnitude, epicentre से नुकसान-स्थान की दूरी) पक्का करें। स्थान की photos — गिरी दीवार, boundary, गाड़ी पर गिरा hoarding — ज़रूरी। अगर damage pattern (clean side-swipe, सिर्फ़ bumper) गिरते मलबे से crush damage जैसा नहीं दिखता, reject करें। H1/H2 cat events में अक्सर cat-code लगता है और excess माफ़ — बीमा कंपनी के circular का पालन करें।
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