Sunday, 8 July 2018

CAR INSURANCE DETAIL TET HTAT GURU

CAR INSURANCE DETAIL TET HTAT GURU
Vehicle insurance (also known as car insurance, motor insurance or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Widespread use of the automobile began after the First World War in urban areas. Cars were relatively fast and dangerous by that stage, yet there was still no compulsory form of car insurance anywhere in the world. This meant that injured victims would seldom get any compensation in an accident, and drivers often faced considerable costs for damage to their car and property.

A compulsory car insurance scheme was first introduced in the United Kingdom with the Road Traffic Act 1930. This ensured that all vehicle owners and drivers had to be insured for their liability for injury or death to third parties whilst their vehicle was being used on a public road.[1] Germany enacted similar legislation in 1939 called the "Act on the Implementation of Compulsory Insurance for Motor Vehicle Owners."


  • Public policies

In many jurisdictions, it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver; however, the degree of each varies greatly.

Several jurisdictions have experimented with a "pay-as-you-drive" insurance plan which utilizes either a tracking device in the vehicle or vehicle diagnostics. This would address issues of uninsured motorists by providing additional options and also charge based on the miles (kilometers) driven, which could theoretically increase the efficiency of the insurance, through streamlined collection.


  • Australia

In Australia, Compulsory Third Party (CTP) insurance is a state-based scheme that covers only personal injury liability. Comprehensive and Third Party Property Damage insurance are sold separately.

Comprehensive insurance covers damages to third-parties and the insured property and vehicle.
Third Party Property Damage insurance covers damage to third-party property and vehicles, but not the insured vehicle.
Third Party Property Damage with Fire and Theft insurance additionally covers the insured vehicle against fire and theft.


  • Compulsory Third Party Insurance

CTP insurance is linked to the registration of a vehicle. It is transferred when an already registered vehicle is sold. It covers the vehicle owner and any person who drives the vehicle against claims for liability in respect of the death or injury to people caused by the fault of the vehicle owner or driver, but not for damage. A Compulsory Third Party Insurance is the coverage which covers the third party with the repairing cost of the vehicle, any property damage or medication expenses which are encountered as a result of an accident by the insured. This may include any kind of physical damage, bodily injuries or damage to property and covers the cost of all reasonable medical treatment for injuries received in the accident, loss of wages, cost of care services, and in some cases compensation for pain and suffering. Notably, the motorist or the insured is responsible for his own loss as he is not covered for any loss in such type of insurance.

In New South Wales and the Northern Territory CTP insurance is compulsory; each vehicle must be insured when registered. A 'Greenslip,'[4] another name by which CTP insurance is commonly known due to the colour of the form, must be obtained through one of the five licensed insurers in New South Wales. Suncorp and Allianz both hold two licences to issue CTP Greenslips – Suncorp under the GIO and AAMI licences and Allianz under the Allianz and CIC/Allianz licences. The remaining three licences to issue CTP Greenslips are held by QBE, Zurich and Insurance Australia Limited (NRMA). APIA and Shannons and InsureMyRide insurance also supply CTP insurance licensed by GIO. In addition to the Greenslip, additional car insurance can be purchased through insurers in Australia. This will cover claims that the standard CTP insurance cannot provide. This is known as a comprehensive car insurance.

A similar scheme applies in the Australian Capital Territory through AAMI, GIO and NRMA (IAL).

In Victoria, Third Party Personal insurance from the Transport Accident Commission is similarly included, through a levy, in the vehicle registration fee. A similar scheme exists in Tasmania through the Motor Accidents Insurance Board.

In Queensland, CTP is a mandatory part of registration for a vehicle. There is choice of insurer but price is government controlled in a tight band.

In South Australia, Third Party Personal insurance from the Motor Accident Commission is included in the licence registration fee for people over 17.[8] A similar scheme applies in Western Australia, though there is only one CTP insurer, the Insurance Commission of Western Australia (ICWA).[9]


  • Canada

Several Canadian provinces (British Columbia, Saskatchewan, Manitoba and Quebec) provide a public auto insurance system while in the rest of the country insurance is provided privately [third party insurance is privatized in Quebec and is mandatory. The province covers everything but the vehicle(s)].[10] Basic auto insurance is mandatory throughout Canada with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage is mandatory everywhere except for Newfoundland and Labrador.[11] All provinces in Canada have some form of no-fault insurance available to accident victims. The difference from province to province is the extent to which tort or no-fault is emphasized. International drivers entering Canada are permitted to drive any vehicle their licence allows for the 3-month period for which they are allowed to use their international licence. International laws provide visitors to the country with an International Insurance Bond (IIB) until this 3-month period is over in which the international driver must provide themselves with Canadian Insurance. The IIB is reinstated every time the international driver enters the country. Damage to the driver's own vehicle is optional – one notable exception to this is in Saskatchewan, where SGI provides collision coverage (less than a $1000 deductible, such as a collision damage waiver) as part of its basic insurance policy.[12] In Saskatchewan, residents have the option to have their auto insurance through a tort system but less than 0.5% of the population have taken this option


  • Germany


International Motor Insurance Card (IVK)
Since 1939, it has been compulsory to have third party personal insurance before keeping a motor vehicle in all federal states of Germany.[2] In addition, every vehicle owner is free to take out a comprehensive insurance policy. All types of car insurance are provided by several private insurers. The amount of insurance contribution is determined by several criteria, like the region, the type of car or the personal way of driving.

The minimum coverage defined by German law for car liability insurance / third party personal insurance is: 7.5 million euro for bodily injury (damage to people), .5 million euro for property damage and 50,000 euro for financial/fortune loss which is in no direct or indirect coherence with bodily injury or property damage.[15] Insurance companies usually offer all-in/combined single limit insurances of 50 Million Euro or 100 Million Euro (about 141 Million Dollar) for bodily injury, property damage and other financial/fortune loss (usually with a bodily injury coverage limitation of 8 to 15 million euro for each bodily injured person).


  • Hong Kong

According to section 4(1) of the Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272 of the Laws of Hong Kong), all users of a car, include its permitted users, must have insurance or some other security with respect to third-party risks.


  • Hungary

Third-party vehicle insurance is mandatory for all vehicles in Hungary. No exemption is possible by money deposit. The premium covers all damage up to HUF 500M (about €1.8M) per accident without deductible. The coverage is extended to HUF 1,250M (about €4.5M) in case of personal injuries. Vehicle insurance policies from all EU-countries and some non-EU countries are valid in Hungary based on bilateral or multilateral agreements. Visitors with vehicle insurance not covered by such agreements are required to buy a monthly, renewable policy at the border.


  • Indonesia

Third-party vehicle insurance is a mandatory requirement in Indonesia and each individual car and motorcycle must be insured or the vehicle will not be considered legal. Therefore, a motorist cannot drive the vehicle until it is insured. Third Party vehicle insurance is included through a levy in the vehicle registration fee which is paid to the government agency Samsat (Sistem Administrasi Manunggal di bawah Satu Atap), which is responsible for cars and roads.[18] Third-Party Vehicle Insurance is regulated under Act No. 34 Year 1964 Re: Road Traffic Accident Fund and merely covers Bodily injury, and managed by a SOE named PT. Jasa Raharja (Persero).[19] The Indonesian government has a road insurance fund which includes life insurance for traffic accidents. The annual fee is called the Compulsory Contribution Fund for Traffic Accidents or Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan

DIGITAL GUJARAT SCHOLARSHIP YEAR 2018-19 BABAT LATEST PARIPATRA

DIGITAL GUJARAT SCHOLARSHIP YEAR 2018-19 BABAT LATEST PARIPATRA
DIGITAL GUJARAT SCHOLARSHIP YEAR 2018-19 BABAT LATEST PARIPATRA

Education All Circulars of Districts And Niyamak kacheri Gandhinagar,all Primary, Secondary and Higer Secondary Department. we also uploads various Job Updates of various government & Non-Government Sector from all over india. This blog is daily update about primery school letest circular , Educational news paper news, Breking news , all Goverment and private job ,Letest Techno tips, Insurance, Loans , Letest Mobile tips and all Competitive exam most imp gk, model paper, exam old paper, model paper in mp3 and most imp gk mp3 exam materials... Like Tet,Tat,Htat,Police constable bharti, Gsssb Clerk, Talati, and other exams, This blog You Can find Lots of Study Materials for All Competitive Exams Preaparation Like Tet,Tat,Htat,Gsssb Police Constable, Talati, junior clerk Exams This Education News Cutting From Gujarat Various Popular Newspaper Like Navgujarat Samay,Divya Bhaskar, Sandesh, Gujarat Samachar, Akila News And Many Other Newspaper.
Booth Level Officer; A Representative of Election Commission at the Grass-Root Level
For enhanced participation of electors in the electoral process and reducing the electoral malpractices, it is essential to improve the quality of electoral registration process and of the electoral rolls. Booth Level Officer (BLO) is a local Government/Semi-Government official, familiar with the local electors and generally a voter in the same polling area who assists in updating the roll using his local knowledge. In fact, BLO is a representative of Election Commission of India (ECI) at the grass-root level who plays a pivotal role in the process of roll revision and collecting actual field information with regard to the roll corresponding to the polling area assigned to him.

Under Section 13B (2) of Representation of People Act, 1950, BLOs are appointed from amongst the officers of the Govt. /Semi Govt. /Local Bodies. Generally, one BLO is responsible for one part of the electoral roll. From August, 2006 the Commission has decided to introduce the concept of appointing BLOs who would be accountable for ensuring the fidelity of electoral roll.+
BLO assists eligible citizens to become voters and obtain voter card. BLO provides those different forms for addition, deletion and correction of Electoral Roll entries, carries out physical verification, and gives his/her report to Electoral Registration Officer (ERO) .The BLO interacts with local people/ political parties’ representatives and identifies dead/shifted/duplicate voters to be removed from the electoral roll after due process of law. Must visit this blog everyday for latest offers of various brand and other technology Updates.

The ECI introduced this new system of appointing BLOs creating a clear line of accountability for preparation of an error-free electoral roll, making the BLOs its custodian at the polling booth level. Previously, voter-identification slips used to be distributed by the contesting candidates of various political parties and that gave scope for complaints. The preparation of accurate electoral rolls and direct distribution of voter identification slip by the BLOs also boosted voter confidence in the credibility of the election process.

Check Radiation level (SAR) of your Smartphone by USSD code *#07#

Check Radiation level (SAR) of your Smartphone by USSD code *#07#

Check Radiation level (SAR) of your Smartphone by USSD code *#07#

Smartphone has so much penetrated in our daily life that now no one can think of without it. Excessive use of smartphone may cause health problems but if you are even using less a smartphone with bad SAR, that is most dangerous.


Here SAR stands for Specific Absorption Rate which is a measure of the amount of radio frequency energy absorbed by the body when using a mobile phone. Federal Communications Commission (FCC) has adopted limits for safe exposure to radio frequency (RF) energy  which is  1.6 watts per kilogram (1.6 W/kg).  Any smartphone  at or below this SAR levels is “safe” to use.

You can check Radiation level in terms of SAR of your smartphone by dialing a USSD code*#07#, if results shows SAR below 1.6 watts per kilogram (1.6 W/kg) then it is OK otherwise you are advised to change your smartphone immediately.

Here are SAR level of some popular smartphones in the market.

iPhone 6:>>  1.59 W/kg
LG G3:>> 0.99 W/kg
LG G2:>> 1.44 W/kg
Samsung Galaxy Note 2:>> 0.42 W/kg
Samsung Galaxy Note 3:>> 1.07 W/kg
Samsung Galaxy Note 4:>> 1.20 W/kg
Samsung Galaxy S5:>> 1.28 W/kg
HTC One (M8):>> 1.29 W/kg

Interestingly iPhone 6 have just 0.01 below the threshold level of SAR.

Read News In Guajrati

Friday, 6 July 2018

PRIMARY SCHOOL'S MA TEACHERS NE PANJABIU DRESS PAHERAVA BABAT MUKTI AAPVAMA AAVI

PRIMARY SCHOOL'S MA TEACHERS NE PANJABIU DRESS PAHERAVA BABAT MUKTI AAPVAMA AAVI
Now you can get JOb information  & Competitive Exam’s  Preparation materials through TET HTAT GURU site Easily. We daily publish Tet Htat Guru’s JOB MAHITI on our site  job mahiti Give Gujarat & India Level all type of new jobs information. Here you can Get Various job Like Graduate jobs,Engineer jobs,Diploma candidate jobs,Mba jobs,Law jobs and other various jobs. Tet Htat Guru is famous for competitive exam’s preparation. we provide complete exam materials for various exam Like Tet,Htat,Tat,police exam,Clerk exam, Gpsc Exam,panchayat clerk exam and other Gujarat Level Exams.
From Tet Htat Guru Web you can Get  various Subjects Related materials Like General knowledge, Gujarat TotaAlly General knowledge,English Grammar,Gujarati Grammar,  Gujarati Literature, maths,science and other more materials.

For Competitive exams complete preparation stay connected with TET HTAT GURU

  • To GEt Regular Job update on Whatsapp Add No. 8780368673 to your Whatsapp & hike Groups
view   image   1  

Shala kosh vidio see now useful info. excel file

Shala kosh vidio see now useful info. excel file
Shala kosh vidio see now   ::  useful info. excel file

This file is  exam paper useful. Please download the paper because this file is use your feature post and practice of all governmane and private job.We provide information about new job like goverment sector and private sector we also destribute the job related and post vise material like gujarati grammar english grammar history of gujarat history of india maths reasoning science computer gujarati literature indian literature gujarat geography indian geography current affairs .

Extended U-DISE (ShaalaKosh) is a unique initiative of MHRD which aims to create a single platform to meet the data requirements of all stakeholders in school education ecosystem. The platform will cater to entire value chain requirements of the three key stakeholders - student, teacher and school management.
Extended U-DISE (ShaalaKosh) is envisioned as a decentralized platform where states will have the flexibility to determine the level of integration of their existing systems based on their requirements. The states which do not have their own digital systems or have some of the modules as proposed under the initiative will have the autonomy to adopt the whole or specific modules of the platform as per their needs. They will also be able to customize, re-purpose and extend the platform to suit their specific needs.

STUDENT MANAGEMENT

  • Student Profile & Enrolment
  • Student Transfer and Progression
  • Student Attendance
  • Student Incentive
  • Student Achievement Management
  • Student Remedial Teaching

TEACHER MANAGEMENT

  • Teacher Recruitment
  • Teacher Profile
  • Teacher Attendance
  • Leave Management
  • Teacher Transfer and Promotion
  • Teacher In-service Training
  • Grievance Redressal
  • Teacher Salary & Reimbursements
  • E-Content
We also provide information about Talati Junior clerk Senior Clerk SSC GSSEB etc related information and its related material and old paper and model paper. Teacher job and paripatra we also provide. my telegram & whatsapp no add your group for new update and material.


useful Excel file :- 



Gujarati News Papers : Read All News At One Place

Gujarati News Papers : Read All News At One Place

Gujarati News Papers : Read All News At One Place
A newspaper is a serial publication containing news about current events, other informative articles about politics, sports, arts, and so on, and advertising. A newspaper is usually, but not exclusively, printed on relatively inexpensive, low-grade paper such as newsprint. The journalism organizations that publish newspapers are themselves often metonymically called newspapers.
Newspapers developed in the 12th century, as information sheets for businessmen. By the early 19th century, many cities in Europe, as well as North and South America, published newspapers. As of 2017, most newspapers are now published online as well as in print. The online versions are called online newspapers or news websites.
A wide variety of material is published in newspapers, including opinion columns, weather forecasts, reviews of local services, obituaries, birth notices, crosswords, editorial cartoons, comic strips, and advice columns. Most newspapers are businesses, and they pay their expenses with a mixture of subscription revenue, newsstand sales, and advertising revenue.
Below is a list of Gujarati newspapers and Gujarati news sites. Gujarati newspapers primarily printed in Ahmedabad, Vadodara, Surat, Rajkot, Bhavnagar, Jamnagar, and Junagadh.
Below is a list of Gujarati News Papers and News Sites.

Bhaskare-Paper
Divya Bhaskar.
SandeshSandesh e-Paper
Bombay SamacharAhmedabad)
Sambhaav(Jamnagar)
Jai HindGujarat 
MitraGujarati.
EconomicTimes
Nav Gujarat 
Samay
Akila
Aaj Kaal
Gujarat Today
Sardar Gurjari
Kutch Mitra
Aankho DekhiBhanvad.com
Sanj Samachar
Abhiyaan
Chitralekha
Gujarat Darpan

Wednesday, 4 July 2018

Download Weekly Employment News Paper published by the Government of Gujarat 

Download Weekly Employment News Paper published by the Government of Gujarat 

Download Weekly Employment News Paper published by the Government of Gujarat 

In which current government recruitment information is currently available
Employment News date 04-07-2018

Now you can get JOb information & Competitive Exam’s Preparation materials through Gujaratgk.in site Easily. We daily publish Gujaratgk.in JOB MAHITI on our site job mahiti Give Gujarat & India Level all type of new jobs information.

Here you can Get Various job Like Graduate jobs,Engineer jobs,Diploma candidate jobs,Mba jobs,Law jobs and other various jobs. Gujaratgk.in is famous for competitive exam’s preparation. we provide complete exam materials for various exam Like Tet,Htat,Tat,police exam,Clerk exam, Gpsc Exam,panchayat clerk exam and other Gujarat Level Exams.

Click Here To Download