Foreign Travel Insurance
Ever increasing necessary of human kind to benefiting from the technology, has expanded communications extent and many of the negotiations and contracts faraway has dedicated the possibility of establishing mutual communication and quickness of action to the accomplishing adventurous or commercial journeys from time to time.
Along with it, this company has performed to presenting travel insurance necessary for tourists that the conditions are declared as follows:

The benefits of travel insurance policy to the abroad:
- Pay the expenditures of therapeutic, surgery, pharmacy and hospital for accidents and diseases which they are happened during the journey up to 50000 Euro
- Pay the expenditure of dentistry urgencies up to 150 Euro
- Medical admits and transfers to the nearest hospital or returning patient to Iran under medical inspection.
- Pay the legal claims expenditures up to 1000 Euro according to insurance policy conditions
- Guide and support in burglary or disappearing travel documents
- Returning children to Iran in the case of insured death of confining to bed
- Returning dead body to Iran in the case of insured death during the journey
- Pay the departure expenditures of fellow travelers to confined insured bedside in hospital
- Transferring urgent and emergency message of insured person
- Unexpected return for the reason of medical problems or the disease of insured person families where as could not use from primary ticket to return
- Dispatching medicine from the origin country to the country that insured person is confined to bed
- Reclamation passenger luggage in the case of loss or wrong road of luggage
- If checked luggage of the passenger doesn't deliver to insured person up to 12 hours, urgent purchases expenditure will become up to 200 Euro and if this delay is leading to more than 48 hours it will become up to 800 Euro.
- In the case of loss or stolen important travel documents such as passport, visa,… , we present necessary information in the case of legal actions circumstances for their replacement
- Pay the expenditures of every person urgent meeting by the request of the insured person from the origin of Iran including one round-trip ticket and residing expenditures up to maximum daily 60 Euro for maximum successive 15 days (on the condition of insured in confined to bed more than successive 10 days in hospital.)

To acquiring more information and purchase insurance policy, go to www.charehandish.com

Transportation and Loading Coverage
For most researchers, the oldest kind of insurance, which, for a some degree has been similar to the current insurance, is a kind of insurance, which has being during used the middle ages by some merchants, ship owners, investors and bankers. Transportation Insurance, like any other social phenomenon, has undergone drastic transformations through several centuries, and has organized in a form that we use it now. Some organizations and institutions have had a basic role in this transformation; amongst them the most famous is the Institute of London Insurers. The said institute legislated some regulations governing the technical and legal issues of transportation insurance, which was used as a ground for shipment policy issuance in most of countries including Iran. In the field of transportation insurance, the last regulations are A, B and C regulations, which were replaced with ALL RISKS? W.A and F.P.A. regulations, respectively.
Prior to entering into discussion about the risk coverage and exceptions under A, B, & C regulations, for the purpose to have better and clear idea of the transportation insurance, we will fully define it and dealt with the classifications thereof.
Definition:
The transportation insurance is a kind of coverage that in exchange of the collected premium, the Insurer shall be obligated to compensate all risks of the insured property (cargo) from the origin of transportation to the destination for all risks referred to in the pertaining policy and all Damages to and loss of the object of the policy shall be compensated as per the terms and condition of the policy. Furthermore, in some cases, in addition to the above-mentioned risks, the risks of the third parties are covered and compensated by this type of insurance.

- Importing transportation policy
The policy covers all risks threatening merchants' imported goods having a foreign origin. The policy covers all risk of goods from the country of origin to the destination (the storage of the insured party). This policy is one of the prerequisites of L/C issuance by the Iranian banks, and aimed safeguarding merchants' profits and consequently national interests.
- Exportation Transportation Policy
Considering the importance of non-oil exportation, and the manner of regarding of the government of the Islamic Republic of Iran with encouragement of this field of exportation for safeguarding merchants' profits and finally national interests. On the basis of this type of insurance, the exported goods to the destination of a foreign country are insured and upon the currency of the paid premium, (in Rails and/or foreign currencies) a discount equal to 45% to 65% is taken into account.

Fire risks Insurance
Scores of houses, business and industrial units are damaged and sustain great financial losses, as a result of fire accidents. Insurance coverage of fire risks is a mechanism that compensates the losses and helps the insured to resume the balanced situation that prevailed before the accident.
Fire Risk Insurance:
Fire Risk Insurance is an insurance coverage that compensates the damage to and loss of the insured property, in compliance with the terms of the insurance policy.

Vehicle Insurance
The vehicle, as a means of transportation and traveling, has been used in an extensive scale since end of 19th century and, thereafter, has played a significant role in people's life. But a risk was born together with the use of vehicles and continues till it is used. This is the occurrence of accident, which is the source of physical damages and injuries and losses of the properties. Alborz Insurance Company covers and indemnifies the damages to and loss of these kinds of risks.
Different types of our insurance and the risk coverage are:
- Compulsory Civil Liability of the owners of land vehicles against third persons "Third Party Insurance"
- Vehicle Body Insurance
- Accident Insurance of Passengers
These kinds of insurance shall be valid only throughout the territory of Iran and the accidents occur abroad, shall not be covered by policies, except that the case explicitly stipulated in the policy.
Civil Liability Insurance of the owners of Vehicles against the third parties

Health & Life Insurance
Whether in developed or developing countries, with due regard to the advanced technology and scientific advances, several appliances are utilized, which have prepared the way for social welfare on one hand, but on the other hand, the utilization of these advanced appliances have also some hazards, which threats mankind and some injuries, damages to and loss of are inevitable aspect of such utilization. These risks and hazards, in some cases, lay beyond the abilities of individuals and families, and the effects and consequences thereof may lead individuals and families to an unsustainable circumstance.
A brief survey of daily events and accidents reveals the importance of facilities and privileges of different insurance coverage and the sureness, which they offer to the insured.
The extensive scope of this kind of insurance is divided into three categories namely Life Insurance?? ?Accident Insurance and Treatment Insurance The extent of coverage of each to them (proportional to the paid premium of the insured) covers the risks of individuals and families. By use of facilities of this type of coverage, and through payment of the adequate premium and concluding an appropriate coverage contract, individuals and families access to a reliable and powerful financial support and in case of death of the family guardian, deficit a limb, and disability by reason of accident or illness, and excessive medical and hospitalization costs and likewise, one of the above-mentioned coverage could be replaced with the said excessive costs. In ordinary cases, most of individuals and families are not in such financial situations that enable them to pay these costs. Here, the assurance created by the insurance is replaced with the worries of families and individuals.

Engineering Insurance
Complementing successful and timely, fundamental, developing and industrial projects and their economical and social effects are influenced by a number of factors among which are expansion of technology, large amounts of capitals and employment of qualified personnel.

The amount of losses caused by unforeseen events are maximized due to centralization of the mentioned factors in very limited places, therefore face the execution operations with various enormous difficulties.
Sudden and unforeseen risks such as natural hazards and technical events are the main threats to investors during the completion of projects.
An engineering insurance policy is the most suitable way of compensating the probable losses or damages. the purpose of engineering all risks policy is to reduce the financial effects of unforeseen events for all beneficiaries in the project
including the principal, main or subcontractor(s), consulting engineers and also to compensate the material damage of the insured item and public liability of the executors in respect of third parties and to guarantee the completion of the work.
Contractors' all risks insurance, erection all risks and hull machinery insurance in respect of road making machinery are the most common types of engineering insurance policies, while computer all risk, electronic equipments all risk, machinery breakdown and construction insurance are also known insurance are also known as engineering insurance.
The following could be included in an engineering policy, contractors, consulting engineering insurance and crediting institutes policy:
- Contractors' all risks policy
- Installation all risks policy
- Construction and road making machinery policy

Special risks Insurance
Transportation of passengers and goods by aircrafts and ships to all parts of the world necessitates acceptable insurance coverage's against probable risks and accidents to indemnify these capitals for future business activities.
Alborz insurance company offers the following coverage's which are named under special risks insurance:
- Marine hull insurance
- Third party liability
- Containers' hull and liquids' tanks insurance policy
- Aircraft insurance
- Cash in safe and cash in transit policy

Public liability Insurance
According to Iranian public liability law, real and legal persons are liable to indemnify losses or damages to third parties.
Public liability insurance is based on the tortuous or quasi intentional liability in case the cause of loss or damage to the property belonging to others or bodily injury to third parties is negligence and carelessness.
The individual's liability is determined by the legal authorities.
Considering the variety of liability of people in their professions and life, Alborz insurance company offers various types of liability policies to the public. To become more aware of the contents of these Policies, a brief description is provided hereunder:

- People involved in medical profession including doctors, dentists, radiologists, public liability policy.(Professional public liability policy ).
- Employers Public Liability Policy
- Third parties legal liability arising out of construction and property insurance.
- Contractors' plant and machinery owners' liability insurance policy.
- Lift owner's public liability policy.
- Sports complex owner's public liability insurance.
- Fire borne risks public liability.
- Local transportation companies liability policy.