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Types of Insurance


About L&T Insurance
1. Who owns L&T General Insurance?
  L&T General Insurance Co Ltd is a wholly owned subsidiary of Larsen and Toubro Ltd.
2. Where is the head office of the company?
  The Head Office of L&T General Insurance Company Ltd is in Mumbai. The postal address is as follows:

601-602, 6thFloor, Trade Center,
Bandra-Kurla Complex, Bandra (East),
Mumbai - 400 051,
Tel: +91-22-61230000
3. Who should I contact for a query?
  For any queries related to us, our products or services, please call us on 1800-209-5846 and speak to our representative. Alternatively you can write to help@ltinsurance.com
General Insurance
1. Why do I need insurance?

Insurance is a hedge against the occurrence of unforeseen incidents. Insurance products help you in not only mitigating risks but also helps you by providing a financial cushion against adverse financial burdens suffered.

Accidents... illness... fire... financial securities are the things you'd like to worry about any time. General Insurance provides you the much-needed protection against such unforeseen events. Unlike Life Insurance, General Insurance is not meant to offer returns but is a protection against contingencies. Under certain Acts of Parliament, some types of insurance like Motor Insurance and Public Liability Insurance have been made compulsory.

2. How can I buy a policy?

Insurance is the subject matter of solicitation. IRDA allows insurance to be sold primarily through following:


  • Agents representing an insurance company
  • Insurance brokers are allowed to sell products of more than one insurance company
  • Company websites
  • Buying on phone. It depends upon individual company
  • Banks, retail houses or any other commercial ventures which are channel partner of these insurance companies


  • Approach the insurance company with a duly filled up proposal form, through any of the above mentioned channels
  • Seek an approval from the company on the intention of underwriting your policy. (i.e. evaluating  your risk and exposures. Risk involves consideration of material facts on the basis of which company will take a decision whether to accept the risk and if so at what rate of premium.)
  • Seek premium & other relevant details
  • Pay the premium and take premium receipt and cover note/risk held note
  • Wait for documents
  • Check for its correctness on receipt and store it carefully till the policy expiry date
  • Ensure that you renew the policy well in time, before the expiry of the policy
3. What is the difference between an agent and a broker?
  Agents represent an insurance company and sell products of that insurance company only. Whereas, insurance brokers are allowed to sell products of more than one insurance company.
Get in touch with us
Toll free no.1800-209-5846
SMS "LTI" to 5607058
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