{"id":7839,"date":"2022-09-19T17:30:42","date_gmt":"2022-09-19T17:30:42","guid":{"rendered":"https:\/\/ail.atlas.pk\/takaful\/?page_id=7839"},"modified":"2022-10-05T18:20:27","modified_gmt":"2022-10-05T18:20:27","slug":"general-claim-procedure","status":"publish","type":"page","link":"https:\/\/ail.atlas.pk\/takaful\/general-claim-procedure\/","title":{"rendered":"General Claim Procedure"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7839\" class=\"elementor elementor-7839\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e0ffb4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e0ffb4f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8c0f576\" data-id=\"8c0f576\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-103d92f elementor-widget elementor-widget-elementskit-accordion\" data-id=\"103d92f\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a27d76ce94b8\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-103d92f\">\n                        <a href=\"#collapse-9083d386a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9083d386a27d76ce94b8\" aria-expanded=\"true\" aria-controls=\"Collapse-9083d386a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">General Claim Procedure<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9083d386a27d76ce94b8\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            Following information would be useful to proceed claims efficiently:\n<ul>\n \t<li>The loss or damage should be reported to the AIL immediately.<\/li>\n \t<li>On receipt of claim intimation, AIL will forward a claim form.<\/li>\n \t<li>Submit the completed claim form along with an approximate estimate of the loss to AIL. An itemized estimate with separate values is preferable.<\/li>\n \t<li>AIL will arrange inspection of the damaged items to assess the loss. In case of bigger losses, a specialist and license holder surveyor will be deputed.<\/li>\n \t<li>AIL will provide the list of required documents to substantiate the extent of loss.<\/li>\n \t<li>In case the cause of loss is not established, it is for the insured (client), to prove the loss or damage according to an insured peril.<\/li>\n \t<li>On agreement of claim amount between the insured (client) and AIL, the claim will be settled.<\/li>\n<\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-103d92f\">\n                        <a href=\"#collapse-ac43e5a6a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ac43e5a6a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-ac43e5a6a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Claims \u2013 Fire<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ac43e5a6a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ul class=\"claim\"><li>As a first step, the insured is responsible for taking all possible measures to minimize the loss.<\/li><li>Services of the Fire brigade should be acquired immediately<\/li><li>Lodge a police complaint in case of a fire arising out of \u2013 a rioting mob, striking workers, malicious damage by third parties, or terrorist damage.<\/li><li>Inform AIL at the earliest (within 24 hours)<\/li><li>Co-operate with the AIL\u2019s appointed surveyor, by relevant information.<\/li><li>In case, if the policy is on a \u2018reinstatement basis\u2019, the claim is settled only after the completion of repairs\/replacement of the damaged items and submission of bills for claim payment.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-103d92f\">\n                        <a href=\"#collapse-79f9a286a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-79f9a286a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-79f9a286a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Claims \u2013 Burglary \/ Money Insurance<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-79f9a286a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ul class=\"claim\"><li>Immediately report to the police and obtain a non-traceable certificate that the items are not found.<\/li><li>Notify AIL as early as possible.<\/li><li>AIL will insist upon a letter of undertaking on a stamp paper of appropriate value \u2013 a letter of Subrogation, for refunding the claim amount when the stolen property is recovered.<\/li><li>Obtain a final report from the Police<\/li><li>Insured\/Client has to provide the surveyor, with a complete book of accounts and bills substantiating the loss on the day of incidence.<\/li><li>Immediately report to the police and obtain a non-traceable certificate that the items are not found.<\/li><li>Notify AIL as early as possible.<\/li><li>AIL will insist upon a letter of undertaking on a stamp paper of appropriate value \u2013 a letter of Subrogation, for refunding the claim amount when the stolen property is recovered.<\/li><li>Obtain a final report from the Police<\/li><li>Insured\/Client has to provide the surveyor, with a complete book of accounts and bills substantiating the loss on the day of incidence.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-103d92f\">\n                        <a href=\"#collapse-16357b66a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-16357b66a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-16357b66a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Claims \u2013 Machinery Breakdown<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-16357b66a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ul class=\"claim\"><li>Immediate notification to AIL<\/li><li>Notice of claim and estimated cost of repairs should be filed with AIL to arrange for an inspection.<\/li><li>In case of partial losses, no depreciation is charged but when the items are not insured for their present-day replacement value, the items are treated as underinsured and the claim amount is proportionately reduced.<\/li><li>Depreciation is only applied for Total Loss claims.<\/li><li>If an appliance is partially damaged, it should be repaired (on approval from the insurance company) before it is put to use, as otherwise further loss is not covered.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-103d92f\">\n                        <a href=\"#collapse-34570c96a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-34570c96a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-34570c96a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Claims \u2013 Electronic Equipments<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-34570c96a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ul class=\"claim\"><li>Notify AIL with immediate effect.<\/li><li>Notice of claim and estimated cost of repairs should be filed with AIL to arrange for an inspection.<\/li><li>In case of partial losses, no depreciation is charged but when the items are not insured for their present-day replacement value, the items are treated as underinsured and the claim amount is proportionately reduced.<\/li><li>Depreciation is only applied for Total Loss claims.<\/li><li>If an appliance is partially damaged, it should be repaired (on approval from AIL) before it is put to use, as otherwise further loss is not covered.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-103d92f\">\n                        <a href=\"#collapse-8d4f8dc6a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8d4f8dc6a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-8d4f8dc6a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Claims \u2013 Travel Skure<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8d4f8dc6a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ul class=\"claim\"><li>The claim procedure varies from country to country and therefore the insured should get in touch with the overseas claim settling agents of AIL immediately.<\/li><li>The Insured should carry the policy document with him\/her, which may be produced as evidence if necessary. The policy document also contains the full information as to how to get in touch with the claim settling agents for assistance.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-103d92f\">\n                        <a href=\"#collapse-7d064d86a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7d064d86a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-7d064d86a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Claims \u2013 Motor Vehicle<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7d064d86a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ul class=\"claim\"><li>AIL must be reported about notice of an accident involving third parties.<\/li><li>The insured may be interested to pay compensation without going into whether he\/she is liable to pay or not. It is therefore an express condition of the policy that no claim should be admitted or a compromise arrived at, without the approval of AIL.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-103d92f\">\n                        <a href=\"#collapse-58eb4756a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-58eb4756a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-58eb4756a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Claims \u2013 Under Comprehensive Policies<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-58eb4756a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Steps to be taken in case of an accident:<\/p><ul class=\"claim\"><li>Notice of accident should be filed with AIL.<\/li><li>If damage is a major one, the accident may be reported before the vehicle is removed from the spot so that AIL can arrange for a spot inspection of damage.<\/li><li>The vehicle may then be moved to a workshop, preferably to the authorized workshop, for estimation of repair charges.<\/li><li>Upon receipt of the completed claim form and estimate of repairs, AIL will arrange a detailed inspection of the damage, and the cost of repairs will be ascertained.<\/li><li>AIL will ensure that a person duly licensed drove the vehicle at the time of the accident and that the vehicle is the one insured in their books. To that end, they will verify the Registration Certificate and the Driving license of the driver who drove at the time of the accident.<\/li><li>Upon completion of the above procedure, the repairers will be authorized to carry out repairs. AIL may undertake to settle the repair bills directly with the garage or reimburse the insured.<\/li><li>Insurers would like to collect the damaged parts for which replacements have been allowed, as salvage. To ensure that replacements with new parts have, in fact, been effected.<\/li><li>In case of theft of the car or its accessories, it has to be reported to the police and a final report should be submitted.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-103d92f\">\n                        <a href=\"#collapse-dccdd1f6a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-dccdd1f6a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-dccdd1f6a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Glossary Claim And Loss:<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-dccdd1f6a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ul><li>A claim is a request for an amount to be reimbursed filed by the insured and addressed to AIL. Loss is the occurrence of an insured event, such as a fire, which results in financial disadvantage for the insured.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-103d92f\">\n                        <a href=\"#collapse-4622b986a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4622b986a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-4622b986a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Claim Parties<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4622b986a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ul><li>The First party is the person\/ company insured.<\/li><li>The Second party is the specific insurance company.<\/li><li>The Third party refers to anyone else who is involved in a loss event. It may be vehicle owners, property owners, or persons such as passengers or pedestrians<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-103d92f\">\n                        <a href=\"#collapse-e486d2f6a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-e486d2f6a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-e486d2f6a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Indemnity<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-e486d2f6a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Indemnity means, to save from loss or harm. Insurance policies are contracts of indemnity which means that insurance companies intend to provide financial compensation for a loss which the insured has suffered and put them in the same position after the loss as they enjoyed immediately before it.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-103d92f\">\n                        <a href=\"#collapse-8f817e56a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8f817e56a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-8f817e56a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Reinstatement<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8f817e56a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            In policies issued on a Reinstatement basis, AIL will pay a sum equivalent to the cost of rebuilding or replacing the property to a condition like new but not better or more extensive than new.                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-103d92f\">\n                        <a href=\"#collapse-09d844c6a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-09d844c6a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-09d844c6a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Catastrophe<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-09d844c6a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            Defined by Swiss Re as an occurrence that claims more than 20 lives; badly injures more than 50 people, makes more than 2000 people homeless, or causes insured damage of over $29M or a total loss of over $ 457M.It includes natural risks like floods, storms, earthquakes, droughts, bushfires, and cold weather.                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-13-103d92f\">\n                        <a href=\"#collapse-f03184e6a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f03184e6a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-f03184e6a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Outstanding Claim Reserve<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f03184e6a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-13-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            This reserve covers claims that have been incurred and reported to AIL. It is the estimated liability in respect of these claims.                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-14-103d92f\">\n                        <a href=\"#collapse-bf029486a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bf029486a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-bf029486a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Incurred But Not Reported Reserve<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bf029486a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-14-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>This reserve covers claims that have been incurred but not yet reported to the company. This reserve is calculated by using statistical techniques based upon the past experience.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-15-103d92f\">\n                        <a href=\"#collapse-9f1e85a6a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9f1e85a6a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-9f1e85a6a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Utmost Good Faith (Uberrima Fides)<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9f1e85a6a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-15-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>In simple terms, it means that the AIL and the insured have a duty to deal honestly and openly with each other in the negotiations that lead up to the formation of the insurance contract. Parties have the duty.<\/p><ul class=\"claim\"><li>Not to misrepresent any matter relating to insurance i.e. to tell the truth<\/li><li>To disclose all material facts relating to the contract i.e. not to conceal anything.<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-16-103d92f\">\n                        <a href=\"#collapse-7cc88ab6a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7cc88ab6a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-7cc88ab6a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Material Facts<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7cc88ab6a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-16-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Every circumstance is material which would the judgment of a prudent insurer in fixing the premium or determining whether he will take the risk.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-17-103d92f\">\n                        <a href=\"#collapse-6425ed06a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6425ed06a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-6425ed06a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Burden Of Proof<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6425ed06a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-17-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>The burden of proving the loss remains with the insured, he must establish two things:<\/p><ul class=\"claim\"><li>That the loss was caused by the operation of an insured peril<\/li><li>The amount of loss<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-18-103d92f\">\n                        <a href=\"#collapse-35433856a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-35433856a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-35433856a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Average Clause<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-35433856a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-18-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            An average clause provides that where the sum insured is less than full value, the insured will bear the uninsured part of the risk and the claim payment for any loss will be scaled down proportionately. This clause is also called pro rata average clause.\n                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-19-103d92f\">\n                        <a href=\"#collapse-4375a026a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4375a026a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-4375a026a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Subrogation<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4375a026a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-19-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            It is the right of insurance company, having paid the loss under the policy, to stand in the place of insured and purse legal right or claim against other persons for the same loss. Salvage: The right of AIL to take over the subject matter after partial or total loss is known as salvage.                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-20-103d92f\">\n                        <a href=\"#collapse-76d8c406a27d76ce94b8\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-76d8c406a27d76ce94b8\" aria-expanded=\"false\" aria-controls=\"Collapse-76d8c406a27d76ce94b8\">\n                            \n                            <span class=\"ekit-accordion-title\">Contribution<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-76d8c406a27d76ce94b8\" class=\" collapse\" aria-labelledby=\"primaryHeading-20-103d92f\" data-parent=\"#accordion-6a27d76ce94b8\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Contribution prevents the insured from making a profit from his loss. It is the right of AIL to call upon other insurance companies not necessarily equally liable to the same insured to share the cost of claim payment. The contribution will arise only when the following conditions are satisfied:<\/p><ul class=\"claim\"><li>Two or more policies of indemnity exist<\/li><li>Each ensures the subject matter of the loss<\/li><li>Each insures the peril which brings about the loss<\/li><\/ul>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20f6109 cta elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"20f6109\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c2ab72d cta\" data-id=\"c2ab72d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b4ce32a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b4ce32a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5a7be45\" data-id=\"5a7be45\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3bca8da elementor-widget elementor-widget-text-editor\" data-id=\"3bca8da\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong style=\"color: #fff;\">Not sure what you need?<\/strong> Learn in seconds which types of insurance match your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2b7ff29\" data-id=\"2b7ff29\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bfd2155 elementor-align-right elementor-align--mobilecenter elementor-align--tabletcenter elementor-widget elementor-widget-elementskit-button\" data-id=\"bfd2155\" data-element_type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"#\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tLearn more \t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c682313 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c682313\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b2de4b7\" data-id=\"b2de4b7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74fc2c0 elementor-widget elementor-widget-elementskit-heading\" data-id=\"74fc2c0\" data-element_type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Not sure what you need? <br> Find an Agent Now<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c600ee0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c600ee0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-319ed30\" data-id=\"319ed30\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-03810fe ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"03810fe\" data-element_type=\"widget\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"tel:(042)%20111%20245%20000\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text- text-left icon-lef-right-aligin elementor-animation- media  \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  text-center\">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon fastsicon tsicon-cta_icon\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Call Now                <\/h3>\n                        \t\t  \t<p>(042) 111 245 000<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b18ddd0 elementor-widget__width-initial elementor-absolute elementor-hidden-tablet elementor-hidden-phone elementor-widget elementor-widget-text-editor\" data-id=\"b18ddd0\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Or<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c2f5d0e ekit-signup\" data-id=\"c2f5d0e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e76e172 elementor-widget elementor-widget-heading\" data-id=\"e76e172\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Sign up for emails<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-475a20c newsletter-form elementor-widget elementor-widget-elementskit-mail-chimp\" data-id=\"475a20c\" data-element_type=\"widget\" data-widget_type=\"elementskit-mail-chimp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-mail-chimp\">\n\t\t<form method=\"post\" class=\"ekit-mailChimpForm\" data-listed=\"\" data-success-message=\"Successfully listed this email\" data-success-opt-in-message=\"\">\n\t\t\t<div class=\"ekit-mail-message\"><\/div>\n\t\t\t<input type=\"hidden\" name=\"double_opt_in\" value=\"no\">\n\n\t\t\t\t<div class=\"elementskit_form_wraper elementskit_inline_form\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ekit-mail-chimp-email elementskit_input_wraper elementskit_input_container\">\n\t\t\t\t\t\t<div class=\"elementskit_form_group\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit_input_element_container \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input type=\"email\" aria-label=\"email\" name=\"email\" class=\"ekit_mail_email ekit_form_control \" placeholder=\"Your Email\" required \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"ekit_submit_input_holder elementskit_input_wraper\">\n\t\t\t\t\t\t<button type=\"submit\" aria-label=\"submit\" class=\"ekit-mail-submit\" name=\"ekit_mail_chimp\"> \n\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fasicon icon-arrow-right\"><\/i>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/form>\n\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>General Claim Procedure Following information would be useful to proceed claims efficiently: The loss or damage should be reported to the AIL immediately. On receipt of claim intimation, AIL will forward a claim form. Submit the completed claim form along with an approximate estimate of the loss to AIL. An itemized estimate with separate values [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template\/full-width-template.php","meta":{"footnotes":""},"class_list":["post-7839","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ail.atlas.pk\/takaful\/wp-json\/wp\/v2\/pages\/7839","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ail.atlas.pk\/takaful\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ail.atlas.pk\/takaful\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ail.atlas.pk\/takaful\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ail.atlas.pk\/takaful\/wp-json\/wp\/v2\/comments?post=7839"}],"version-history":[{"count":19,"href":"https:\/\/ail.atlas.pk\/takaful\/wp-json\/wp\/v2\/pages\/7839\/revisions"}],"predecessor-version":[{"id":9121,"href":"https:\/\/ail.atlas.pk\/takaful\/wp-json\/wp\/v2\/pages\/7839\/revisions\/9121"}],"wp:attachment":[{"href":"https:\/\/ail.atlas.pk\/takaful\/wp-json\/wp\/v2\/media?parent=7839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}