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What is general insurance?
Insuring anything other than human life is called general insurance. Examples are insuring property like house and belongings against fire and theft or vehicles against accidental damage or theft. Injury due to accident or hospitalization for illness and surgery can also be insured. Your liabilities to others arising out of the law can also be insured and is compulsory in some cases like motor third party insurance.

Anyone who owns an asset can buy insurance to protect it against losses due to fire or theft and so on. Each one of us can insure ourselves and our dependents’ health and well being through hospitalization and personal accident policies. To buy a policy the person should be the one who will bear financial losses if they occur.
What kinds of policies are there?
Most general insurance policies are annual – that is, they last for one year. Some policies are given for longer periods – like fire insurance for residences – and some for shorter periods – like insurance for goods transportation or for emergency medical treatment during foreign travel.
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NSE: INB/INF/INE 230771431, BSE: INB/INF 011343937, MCX-SX: INB/INF 260771432 INE 260771431, USEL INE 271343936, CDSL IN-DP-CDSL-583-2010, NSDL IN-DP-NSDL-333-2010 (SMC Global Securities Ltd.), NCDEX NCDEX/TCM/CORP/0131, MCX/TCM/CORP/0385, NMCE /TCM/CORP/0215, ICEX ICEX/TCM/CORP/009, ACE ACEL/CM/CORP/0267 (SMC Comtrade Ltd.), PMS: INP 000003435 (SMC Investments & Advisors Ltd.), IRDA Registration No. DB272/04 License No.: 289 (SMC Insurance Brokers (P) Ltd.), Merchant Banker: INM 000011427 (SMC Capitals Ltd.)

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