Car • Lorry • Fleet • Factory • Health
Every trade lane carries a different risk profile — a first-time exporter shipping FOB has a different exposure window than an established importer bringing in machinery CIF. I'll match your cover to your actual Incoterms and trade pattern, not sell you a generic marine policy.
Every trade lane carries a different risk profile — a first-time exporter shipping FOB has a different exposure window than an established importer bringing in machinery CIF. I'll match your cover to your actual Incoterms and trade pattern, not sell you a generic marine policy.
WhatsApp your Incoterm, invoice value, and route (port of loading/discharge).
We align sum insured and cover period to your actual shipment pattern, not a generic template.
Insurance certificate issued in time for port/customs documentation, every shipment.
You're new to EXIM and unsure who bears risk at each shipping stage.
You ship regularly and want a consistent process, not a one-off policy each time.
A shipment has already been damaged, delayed at customs, or lost in transit.
Knowing this determines what you actually need to insure and from which point.
| Incoterm | When your risk starts |
|---|---|
| FOB (Free on Board) | Once goods are loaded onto the vessel at origin port |
| CIF (Cost, Insurance, Freight) | Seller insures to destination port — verify what's actually covered |
| EXW (Ex Works) | From the seller's premises — the longest exposure window for the buyer |
Not insurer unfairness — usually one of these, and all are avoidable with the right setup upfront.
I'm 20–30km from Sholavaram — will you serve me?
Yes. Most commercial and vehicle policies can be handled fully via WhatsApp and phone — no visit needed. For site inspections or physical surveys (required by some insurers), we coordinate based on location and policy type. We cover the full 30km belt: Red Hills, Puzhal, Ponneri, Madhavaram, Ambattur, Sriperumbudur, Oragadam corridors and more.
Do you speak Tamil? What about Malayalam or English?
Tamil is our primary working language. We also communicate in English and Malayalam. You can WhatsApp in any of these — we'll respond in the language you're comfortable with.
Do you handle import/export and manufacturing businesses?
Yes. We cover Marine Cargo (goods in transit, import/export shipments), factory and warehouse fire insurance, machinery insurance (CPM), contractor all-risk, and public liability — all common for manufacturing and trading units in the industrial belts around Chennai.
I have lorries / fleet — do you handle commercial vehicles?
Transport and fleet insurance is one of our core focuses. Single lorry owner, 20-vehicle fleet, goods carriers, trailers — we handle all. We also help with permit and fitness document discipline to avoid claim issues.
Do you also handle personal insurance — car, bike, health?
Yes. Car, bike, health/mediclaim and LIC policies are handled alongside commercial lines. Many of our clients take personal and commercial policies together.
I'm running a construction project — is that covered?
Yes. Contractors All Risk (CAR) and Workmen Compensation (WC) are standard for construction projects. We also cover hired plant/equipment and public liability for contractor sites.
My policy expired — can I still renew or am I stuck?
You can still renew after expiry, but act fast. The grace window and NCB retention depend on how long the lapse has been. WhatsApp your old policy copy and we'll check what's possible.
Will you be available after I buy the policy?
Yes. We stay reachable after sale — for claim guidance, renewal reminders, document checks and any questions that come up. We're not a one-time sale office.
Pick your situation — we build the message, you just send.
Optional — pick to customise your message
1. What type of insurance?
2. What do you need?
3. How urgent?
4. Any questions to include?
👉 You can send directly — no questions needed
Send on WhatsApp 📞 Prefer to call? 7448324068📎 Attach documents directly in WhatsApp after opening.
Free guidance · No sales pressure · No commitments
People reach us with exactly these kinds of situations.
The situation
A manufacturer shipping their first export order didn't know whether they or the buyer were responsible for insuring the cargo under the agreed FOB terms.
How we helped
We explained exactly where their risk ended (once loaded at the origin port) and set up cover for that specific window, avoiding both a gap and unnecessary duplicate cover.
The situation
A trading company's imported machinery was damaged while held at customs, and their existing policy's cover period was unclear about whether the hold period was included.
How we helped
We confirmed the customs-hold period was covered under their policy wording, coordinated the survey, and supported the claim through to settlement.
Coverage, documents & guidance
Coverage, documents & guidance
Coverage, documents & guidance
Coverage, documents & guidance
Coverage, documents & guidance
Coverage, documents & guidance
That's exactly when guidance matters most. We explain what the policy covers, what documents you need, and what common mistakes to avoid — before you commit to anything. You don't need to be an expert. That's our job.
You'll get a reply (usually within a few hours during business hours). We'll ask a few questions about your situation — vehicle details, property type, etc. Then we'll explain your options honestly, including what's covered and what's not. No pressure to buy immediately.
No. We work with multiple insurers and recommend based on your actual need and risk. A lorry owner on NH needs different coverage than a car owner in the city. We explain the trade-offs and you decide.
Most things can be done via WhatsApp and phone — document sharing, policy issuance, renewal checks. For some cases (vehicle inspection, complex claims), an office visit or on-site check may be needed. We'll tell you upfront.
Have a different question? Just ask — no commitment needed.
Ask on WhatsApp →Walk-in office in Sholavaram. You meet the same person who handles your policy and claim support.
We check your documents, sum insured and wording before you sign. This reduces avoidable claim rejections.
Not just selling policies — we've guided claims, renewals and disputes across transport, industrial and personal lines.
No jargon-heavy pitches. We tell you what's covered, what's not, and what documents to keep ready.
Quick document review
In 5–10 minutes we’ll tell you what’s safe, what’s missing, and what to do next — based on your documents.
WhatsApp your policy copy
PDF or photos are fine.
Share location + policy type
So we apply the right rules.
Get a straight answer
Car • Lorry • Fleet • Factory • Health
Every trade lane carries a different risk profile — a first-time exporter shipping FOB has a different exposure window than an established importer bringing in machinery CIF. I'll match your cover to your actual Incoterms and trade pattern, not sell you a generic marine policy.
Every trade lane carries a different risk profile — a first-time exporter shipping FOB has a different exposure window than an established importer bringing in machinery CIF. I'll match your cover to your actual Incoterms and trade pattern, not sell you a generic marine policy.
WhatsApp your Incoterm, invoice value, and route (port of loading/discharge).
We align sum insured and cover period to your actual shipment pattern, not a generic template.
Insurance certificate issued in time for port/customs documentation, every shipment.
You're new to EXIM and unsure who bears risk at each shipping stage.
You ship regularly and want a consistent process, not a one-off policy each time.
A shipment has already been damaged, delayed at customs, or lost in transit.
Knowing this determines what you actually need to insure and from which point.
| Incoterm | When your risk starts |
|---|---|
| FOB (Free on Board) | Once goods are loaded onto the vessel at origin port |
| CIF (Cost, Insurance, Freight) | Seller insures to destination port — verify what's actually covered |
| EXW (Ex Works) | From the seller's premises — the longest exposure window for the buyer |
Not insurer unfairness — usually one of these, and all are avoidable with the right setup upfront.
I'm 20–30km from Sholavaram — will you serve me?
Yes. Most commercial and vehicle policies can be handled fully via WhatsApp and phone — no visit needed. For site inspections or physical surveys (required by some insurers), we coordinate based on location and policy type. We cover the full 30km belt: Red Hills, Puzhal, Ponneri, Madhavaram, Ambattur, Sriperumbudur, Oragadam corridors and more.
Do you speak Tamil? What about Malayalam or English?
Tamil is our primary working language. We also communicate in English and Malayalam. You can WhatsApp in any of these — we'll respond in the language you're comfortable with.
Do you handle import/export and manufacturing businesses?
Yes. We cover Marine Cargo (goods in transit, import/export shipments), factory and warehouse fire insurance, machinery insurance (CPM), contractor all-risk, and public liability — all common for manufacturing and trading units in the industrial belts around Chennai.
I have lorries / fleet — do you handle commercial vehicles?
Transport and fleet insurance is one of our core focuses. Single lorry owner, 20-vehicle fleet, goods carriers, trailers — we handle all. We also help with permit and fitness document discipline to avoid claim issues.
Do you also handle personal insurance — car, bike, health?
Yes. Car, bike, health/mediclaim and LIC policies are handled alongside commercial lines. Many of our clients take personal and commercial policies together.
I'm running a construction project — is that covered?
Yes. Contractors All Risk (CAR) and Workmen Compensation (WC) are standard for construction projects. We also cover hired plant/equipment and public liability for contractor sites.
My policy expired — can I still renew or am I stuck?
You can still renew after expiry, but act fast. The grace window and NCB retention depend on how long the lapse has been. WhatsApp your old policy copy and we'll check what's possible.
Will you be available after I buy the policy?
Yes. We stay reachable after sale — for claim guidance, renewal reminders, document checks and any questions that come up. We're not a one-time sale office.
Pick your situation — we build the message, you just send.
Optional — pick to customise your message
1. What type of insurance?
2. What do you need?
3. How urgent?
4. Any questions to include?
👉 You can send directly — no questions needed
Send on WhatsApp 📞 Prefer to call? 7448324068📎 Attach documents directly in WhatsApp after opening.
Free guidance · No sales pressure · No commitments
The situation
A manufacturer shipping their first export order didn't know whether they or the buyer were responsible for insuring the cargo under the agreed FOB terms.
How we helped
We explained exactly where their risk ended (once loaded at the origin port) and set up cover for that specific window, avoiding both a gap and unnecessary duplicate cover.
The situation
A trading company's imported machinery was damaged while held at customs, and their existing policy's cover period was unclear about whether the hold period was included.
How we helped
We confirmed the customs-hold period was covered under their policy wording, coordinated the survey, and supported the claim through to settlement.
That's exactly when guidance matters most. We explain what the policy covers, what documents you need, and what common mistakes to avoid — before you commit to anything. You don't need to be an expert. That's our job.
You'll get a reply (usually within a few hours during business hours). We'll ask a few questions about your situation — vehicle details, property type, etc. Then we'll explain your options honestly, including what's covered and what's not. No pressure to buy immediately.
No. We work with multiple insurers and recommend based on your actual need and risk. A lorry owner on NH needs different coverage than a car owner in the city. We explain the trade-offs and you decide.
Have a different question? Just ask — no commitment needed.
Ask on WhatsApp →Walk-in office in Sholavaram. You meet the same person who handles your policy and claim support.
We check your documents, sum insured and wording before you sign. This reduces avoidable claim rejections.
Not just selling policies — we've guided claims, renewals and disputes across transport, industrial and personal lines.
No jargon-heavy pitches. We tell you what's covered, what's not, and what documents to keep ready.
Quick document review
In 5–10 minutes we’ll tell you what’s safe, what’s missing, and what to do next — based on your documents.
WhatsApp your policy copy
PDF or photos are fine.
Share location + policy type
So we apply the right rules.
Get a straight answer
