DelTel:


https://m.economictimes.com/industry/transportation/shipping-/-transport/adani-ports-acquisition-of-89-6-stake-in-gangavaram-port-gets-cci-nod/articleshow/82052434.cms

So it was Accident that led to the destruction therefore the claim will be treated under Accident you need to ask for a refund from your school oooo.

Meanwhile you ignored the other news report where BRT buses were actually destroyed

Are you this dumb? How is that link related to what you are asked to answer.

Seems your stupidity is of another world. My apology for engaging with you.

TGM2015:

Are you this dumb? How is that link related to what you are asked to answer.

Seems your stupidity is of another world. My apology for engaging with you.

Insult won't safe you, you know. It will only show how uncultured you are.

https://m.economictimes.com/tdmc/your-money/what-is-not-covered-by-your-motor-insurance-policy/articleshow/52728471.cms

Abeg make una tell dis man make he go sitdawn so wat did insurance cover? Did he think dat we are a full ?

[s]

DelTel:


I should spoon-feed you then.

I have given you instances of claim paid and someone who is privy has also

Nigerians are quick to defend/speak for their oppressors.

[/s]



Funny when ignorant people and liars want to spoon-feed other people with their lies and ignorance.

I've debunlked you and your ignorant lies so what other lies and rubbish do you have to peddle.?

DelTel:


Insult won't safe you, you know. It will only show how uncultured you are.

https://m.economictimes.com/tdmc/your-money/what-is-not-covered-by-your-motor-insurance-policy/articleshow/52728471.cms

The Permanent Exclusions List

This list includes the following situations in which loss of or damage to your car is not covered.

Any damage to the car due to war, terror attacks, invasion, foreign enemy action, civil war, mutiny, rebellion, hostilities, radiation or nuclear material/weapons are not covered under a standard motor policy.

https://economictimes.indiatimes.com/tdmc/your-money/what-is-not-covered-by-your-motor-insurance-policy/articleshow/52728471.cms

This is from your own source, the same source and link that you sourced your info from, you obviously either did not properly read and comprehend your own source or you just looked for bits and pieces to prove your misguided and ill-informed opinion instead of reading through the whole thing.

You lazily ignored the exclusions which are at the heart of the discussion.

You really need to raise your bar above elementary reading and comprehension.

plaindealer:






This is from your own source, the same source and link that you sourced your info from, you obviously either did not properly read and comprehend your own source or you just looked for bits and pieces to prove your misguided and ill-informed opinion instead of reading through the whole thing.

You lazily ignored the exclusions which are at the heart of the discussion.

You really need to raise your bar above elementary reading and comprehension.

I have been following you guys (yourself, DelTel, TGM2015) argument and I was beginning to doubt DelTel submission, but now I can see DelTel is right based on what you just quoted or are you saying Strike, Riot and Civil Commotion is in the list you quoted/copied.

My view please, please no insult.

VinTruth:


I have been following you guys (yourself, DelTel, TGM2015) argument and I was beginning to doubt DelTel submission, but now I can see DelTel is right based on what you just quoted or are you saying Strike, Riot and Civil Commotion is in the list you quoted/copied.

My view please, please no insult.

Your view sounds lazy and simplistic just like his, you half-read and comprehend while ignoring the real facts in front of you.

It's either both of you do not know the meaning of exclusions or you do but just intentionally ignorant and deceptive.

Before your next post, please look up the meaning of exclusions.

Your comprehensive insurance ordinarily, provides a standard cover for vehicles for accidental damage, fire combustion, theft and third-party liability. [b]It does not cover damage as a result of strikes, riots or civil commotion. You will need an extension cover for special perils like riots, strike and civil commotion or flood. These however come at an additional premium.[/b]

https://businessday.ng/news/article/civil-unrest-understanding-your-comprehensive-insurence-cover/

Read and comprehend, this is from leadway Insurance right here in Nigeria, not from any foreign source that's not applicable here in Nigeria

plaindealer:






This is from your own source, the same source and link that you sourced your info from, you obviously either did not properly read and comprehend your own source or you just looked for bits and pieces to prove your misguided and ill-informed opinion instead of reading through the whole thing.

You lazily ignored the exclusions which are at the heart of the discussion.

You really need to raise your bar above elementary reading and comprehension.

Where is SRCC listed as exclusion?

VinTruth:


I have been following you guys (yourself, DelTel, TGM2015) argument and I was beginning to doubt DelTel submission, but now I can see DelTel is right based on what you just quoted or are you saying Strike, Riot and Civil Commotion is in the list you quoted/copied.

My view please, please no insult.

It is well.

plaindealer:



Your view sounds lazy and simplistic just like his, you half-read and comprehend while ignoring the real facts in front of you.

It's either both of you do not know the meaning of exclusions or you do but just intentionally ignorant and deceptive.

Before your next post, please look up the meaning of exclusions.



Read and comprehend, this is from leadway Insurance right here in Nigeria, not from any foreign source that's not applicable here in Nigeria

You must have missed my earlier post

DelTel:


Thank you for sharing your experience sir.

If you read my explanation well, I stated globally; unfortunately, (some of) the Nigerian insurance market operators have surreptitiously removed the clause for mostly retail/individual clients, for instance, no underwriter will try it with say, Dangote, Cadbury, JB etc. Reason it is best to use a licensed insurance broker for your insurance business placement as he/she is a professional who understands the market and appropriate policy wordings.

VinTruth:


I have been following you guys (yourself, DelTel, TGM2015) argument and I was beginning to doubt DelTel submission, but now I can see DelTel is right based on what you just quoted or are you saying Strike, Riot and Civil Commotion is in the list you quoted/copied.

My view please, please no insult.

Looks to me like you and the person you are co-signing are the same but swapping IDs co-signing and defending posts by the same ID.

plaindealer:



Your view sounds lazy and simplistic just like his, you half-read and comprehend while ignoring the real facts in front of you.

It's either both of you do not know the meaning of exclusions or you do but just intentionally ignorant and deceptive.

Before your next post, please look up the meaning of exclusions.



Read and comprehend, this is from leadway Insurance right here in Nigeria, not from any foreign source that's not applicable here in Nigeria

I just wonder why you are manipulating the truth,which is constant.

How would a government not have paid for the required insurance extension premium?

The exclusion does not include fire damage to vehicles as a result of riots.

plaindealer:



Your view sounds lazy and simplistic just like his, you half-read and comprehend while ignoring the real facts in front of you.

It's either both of you do not know the meaning of exclusions or you do but just intentionally ignorant and deceptive.

Before your next post, please look up the meaning of exclusions.



Read and comprehend, this is from leadway Insurance right here in Nigeria, not from any foreign source that's not applicable here in Nigeria

what are the Facts?

Is S or R or CC in what you copied as exclusion, No.
Did DelTel provide link and screenshot to show SRCC is a standard comprehensive motor policy globally as requested by you, Yes.

Sorry I joined your argument.

Nfora:


I just wonder why you are manipulating the truth,which is constant.

How would a government not have paid for the required insurance extension premium?

The exclusion does not include fire damage to vehicles as a result of riots.

Looks to me like you and the person you are co-signing bla bla bla bla ooo

plaindealer:




Looks to me like you and the person you are co-signing are the same but swapping IDs co-signing and defending posts by the same ID.

VinTruth:


I have been following you guys (yourself, DelTel, TGM2015) argument and I was beginning to doubt DelTel submission, but now I can see DelTel is right based on what you just quoted or are you saying Strike, Riot and Civil Commotion is in the list you quoted/copied.

My view please, please no insult.

Thank you @plaindealer for the link.

https://businessday.ng/news/article/civil-unrest-understanding-your-comprehensive-insurence-cover/

@VinTruth
Check out the link, it was specific to loss of properties due to EndSARS thing that happened in October 2020. The news was published in November 2020. To be specific, check the attached screenshot of the news extract in the link provided.

Take note of the word extension, meaning that it is not available in standard policy.

DelTel:


Where is SRCC listed as exclusion?

Your last post that I quoted with facts about exclusions was not about SRCC, but if you want to go back to SRCC since it seams you have not learnt anything from the SRCC part of the discussion, we can go back and litigate that againt.

Your Number 1 error and misrepresentation in this thread was that SRCC covered the destruction of the busses in Lagos state which we debunked as false because the global or standard coverage you referenced doesn't come with SRCC, it's an option and a separate insurance product that you buy to cover such damages.

So, do you want

Whatever that means..

You must have missed my earlier post

Obviously, I did not.

o really so as lagos state government you mandate with stiff penalties that all vehicles must have insurance but you lack common sense to insure vehicles procured with tax payers moni abi cause you feel its your money and can waste it....its okay continue

plaindealer:




Looks to me like you and the person you are co-signing are the same but swapping IDs co-signing and defending posts by the same ID.

Can I also same about you and TGM.2015.

Discussion/enlightenment should not get to this.

Ciao.

TGM2015:


Thank you @plaindealer for the link.

https://businessday.ng/news/article/civil-unrest-understanding-your-comprehensive-insurence-cover/

@VinTruth
Check out the link, it was specific to loss of properties due to EndSARS thing that happened in October. The news was published in November. To be specific check our the attached screenshot of the extract.

Take note of the word extension, meaning is not available in standard policy.

DelTel:


SRCC is Strike, Riot and Civil Commotion and a standard policy wordings for Comprehensive motor vehicle insurance globally and most other insurance policies (except Marine Insurance).

If our Governor is saying the burnt buses are not covered (under SRCC), then why has insurance been paying for damages caused by agberos, soldiers, miscreants, aggrieved motorists, arsonists etc whenever BRT buses are attacked after one issue or the other .

Like I said earlier, we know what is going on.

But they should not tarnish or diminish Insurance as a whole in their arrangee padi-padi arrangement to (zip it again).

Modify: screenshot attached at 5:39pm.

How do I know what cover has SRCC has a standard policy?

Leadway’s Fire and Special Perils insurance has strike, riot and civil commotion covered. However, other insurance products like our Personal accident or Group personal accident, Burglary, Motor etc do not have SRCC as a standard cover. You have to ask for an extension of SRCC.

I'm glad you pulled up the same article because you indicted yourself with it, you keep compounding your own lies and errors.

You said SRCC is part of the standard and global insurance coverage, but the same article that I post to refute that is the same article you are still unable to read and comprehend because it clearly disputed your false claim that SRCC is not part of any comprehensive coverage, it's there in black and white that it's not and to get that coverage, you must ask for it and pay extra.

Now, read slowly and comprehend.

VinTruth:


Can I also same about you and TGM.2015.

Discussion/enlightenment should not get to this.

Ciao.

You can if you are able to see us in other threads including past threads like you supporting and defending each other's post outside of this thread.

That was very lame.

Don't get mad because you got caught.

plaindealer:



You can if you are able to see us in other threads including past threads like you supporting and defending each other's post outside of this thread.

That was very lame.

Don't get mad because you got caught.

You are free to justify yourself.

Thanks VinTruth for reference and business referrals as always.

DelTel:


You are free to justify yourself.

Thanks VinTruth for reference and business referrals as always.

Like you can not log on with different IDs, one on a laptop and the other on a cell phone?

That was lame.

ProWalker:
They are fully insured! But no insurance will cover destruction caused by rioting

DelTel:
Do you know what SRCC is?

Pls don't dabble into what you don't know.

He was wrong to say “no insurance”...
But correct to the extent that standard car insurance (liability or third-party) would not cover riots.

Doubtful that anyone would ordinarily use Strike, Riot and Civil Commotion insurance for cars...
While most other insurance policies specifically exclude coverage for civil unrest, wars, acts of God, etc.
>