| MOTOR INSURANCE | | 1. A vehicle for your use when your car is undergoing repairs | | 2. Legal and medical assistance in case of an accident | | 3. Pay per use covers; sparsely driven cars will draw less premium | | 4. Floater on a fleet of cars for the rich; premium per car goes down while cover per car goes up | | 5. Limited accident cover—insurer comes in only if the estimate is above a certain amount | | 6. Driving habits, car, colour, model, type of fuel used determine premium |  |
| | HOME INSURANCE | | 1. Emergency cover if essential services to your home stop | | 2. Cover for loss of rent if tenants move out after property damage | | 3. Substitute accommodation when house is damaged | | 4. Temporary insurance on the house during vacations when the house remains unattended | | 5. If property is disputed, insurance takes care of legal expenses | | 6. Pets, and the liabilities arising from them, can be covered | | 7. Coverage for household goods in transit when moving house |  |
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