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Monday 26 July 2021




The date of conclusion of a contract of insurance is issuance of the policy is different from the acceptance or assumption of risk. Section 64-VB only lays down broadly that the insurer cannot assume risk prior to the date of receipt of premium. Rule 58 of the Insurance Rules, 1939 speaks about advance payment of premiums in view of sub section (!) of Section 64 VB which enables the insurer to assume the risk from the date onwards. If the proposer did not desire a particular date, it was possible for the proposer to negotiate with insurer about that term. Precisely, therefore the Apex Court has said that final acceptance is that of the assured or the insurer depends simply on the way in which negotiations for insurance have progressed. Though the following are risks which seem to have covered Fire Insurance Policy but are not totally covered under the Policy. Some of contentious areas are as follows:

FIRE: Destruction or damage to the property insured by its own fermentation, natural heating or spontaneous combustion or its undergoing any heating or drying process cannot be treated as damage due to fire. For e.g., paints or chemicals in a factory undergoing heat treatment and consequently damaged by fire is not covered. Further, burning of property insured by order of any Public Authority is excluded from the scope of cover.

LIGHTNING : Lightning may result in fire damage or other types of damage, such as a roof broken by a falling chimney struck by lightning or cracks in a building due to a lightning strike. Both fire and other types of damages caused by lightning are covered by the policy.

AIRCRAFT DAMAGE: The loss or damage to property (by fire or otherwise) directly caused by aircraft and other aerial devices and/ or articles dropped there from is covered. However, destruction or damage resulting from pressure waves caused by aircraft traveling at supersonic speed is excluded from the scope of the policy.

RIOTS, STRIKES, MALICIOUS AND TERRORISM DAMAGES: The act of any person taking part along with others in any disturbance of public peace (other than war, invasion, mutiny, civil commotion etc.) is construed to be a riot, strike or a terrorist activity. Unlawful action would not be covered under the policy.

STORM, CYCLONE, TYPHOON, TEMPEST, HURRICANE, TORNADO, FLOOD and INUNDATION: Storm, Cyclone, Typhoon, Tempest, Tornado and Hurricane are all various types of violent natural disturbances that are accompanied by thunder or strong winds or heavy rainfall. Flood or Inundation occurs when the water rises to an abnormal level. Flood or inundation should not only be understood in the common sense of the terms, i.e., flood in river or lakes, but also accumulation of water due to choked drains would be deemed to be flood.

IMPACT DAMAGE: Impact by any Rail/ Road vehicle or animal by direct contact with the insured property is covered. However, such vehicles or animals should not belong to or owned by the insured or any occupier of the premises or their employees while acting in the course of their employment.

SUBSIDENCE AND LANDSLIDE INCULUDING ROCKSIDE: Destruction or damage caused by Subsidence of part of the site on which the property stands or Landslide/ Rockslide is covered. While Subsidence means sinking of land or building to a lower level, Landslide means sliding down of land usually on a hill.

However, normal cracking, settlement or bedding down of new structures; settlement or movement of made up ground; coastal or river erosion; defective design or workmanship or use of defective materials; and demolition, construction, structural alterations or repair of any property or ground-works or excavations, are not covered.

BURSTING AND/OR OVERFLOWING OF WATER TANKS, APPARATUS AND PIPES: Loss or damage to property by water or otherwise on account of bursting or accidental overflowing of water tanks, apparatus and pipes is covered.

MISSILE TESTING OPERATIONS: Destruction or damage, due to impact or otherwise from trajectory/ projectiles in connection with missile testing operations by the Insured or anyone else, is covered.

NCERT BOOKS swapothi class 6 for English Medium & Hindi Medium

Get Free All NCERT BOOKS swapothi class 6 for English Medium & Hindi Medium

Get All Class 6 NCERT Books for English Medium & Hindi Medium Students

Books covered in NCERT Books of Class 6 are

ગણિત સજ્જતા સેમેસ્ટર-૧ PDF અહિંથી ડાઉનલોડ કરો

ગણિત સજ્જતા સેમેસ્ટર-૨ PDF અહિંથી ડાઉનલોડ કરો

વિજ્ઞાન સજ્જતા સેમેસ્ટર-1 PDF અહિંથી ડાઉનલોડ કરો

વિજ્ઞાન સજ્જતા સેમેસ્ટર-2 PDF અહિંથી ડાઉનલોડ કરો

Mathematics :-1. Mathematics NCERT
2. Maths Exemplar Problem

English:-1. Honeysuckle
2. A Pact With The Sun

Science:-1. Science NCERT
2. Science Exemplar

Hindi:-1. Vasant
2. Durva
3. Bal Ram Katha

Social Studies:-1. History our Past
2. The Earth Our Habitat
3. Social and Political Life

Sanskrit:-1. Ruchira

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Get All Hindi NCERT Solutions of Class 6 in this App . We have made especially for hindi medium students consisting of only hindi medium solutions. This app is also fully offline .
In this website you will get these NCERT Swapothi

1. Class 6 maths solutions for hindi medium

2. Class 6 science solutions for hindi medium

3. Class 6 history solutions for hindi medium

4. Class 6 geography solutions for hindi medium

5. Class 6 political science solutions for hindi medium

6. Class 6 english , hindi & sanskrit solutions for hindi medium

સામાજિક વિજ્ઞાન પાઠ્યપુસ્તક સુધારાની PDF

The Solutions in this app are very helpful in for preparation of exams like:
- School Exams and Tests
- CBSE Board & All State Board Exam







➤Subject 1 - English ( Book - Honey Suckle Book - Pact with the sun Solution - Honey Suckle Solution - Pact with the sun)
➤Subject 2 - Mathematics (Book - Mathematics (NCERT PUBLICATION) Book -Mathematics Exemplar Problems (NCERT PUBLICATION) Solution- Mathematics Exemplar Solution)
➤Subject 3 - Hindi ( Book - Vasant Bhag – 1 Book - Durva Book - Bal Ram Katha Solution-Vasant Bhag Solution- Durva)
➤Subject 4 - Science ( Book - Science(NCERT PUBLICATION) Solution - Science Exemplar - Science Solution Exemplar - Science )
➤Subject 5 - Sanskrit ( Book - Sanskrit(Ruchira)(NCERT PUBLICATION Solution- Sanskrit)
➤Subject 6 - Social Studies ( Book - History – Our past – I
Book - Geography - Earth Our Habitat – I
Book - Civics - Political Life Part – I (NCERT PUBLICATION) Solution- History – Our past – I Solution- Geography - Earth Our Habitat – I Solution- Civics - Political Life Part – I)
➤Subject 7 - Yoga

Important link

ધોરણ ૬ ગુજરાતી અધ્યયન નિષ્પતિ ડાઉનલોડ

ધોરણ ૬ ગણિત અધ્યયન નિષ્પતિ ડાઉનલોડ

ધોરણ ૬ અંગ્રેજી અધ્યયન નિષ્પતિ ડાઉનલોડ

ધોરણ ૬ વિજ્ઞાન અધ્યયન નિષ્પતિ ડાઉનલોડ

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ધોરણ ૬ સામાજીક અધ્યયન નિષ્પતિ ડાઉનલોડ

ધોરણ ૬ સંસ્કૃત અધ્યયન નિષ્પતિ ડાઉનલોડ

The Learnvita Academy Digital Content Library includes the following:

- 2D-3D animation modules to illustrate complex concepts

Engaging interactivity that promotes higher order thinking skills

- Learning reinforcement through self-study exercises.

- MCQ based practice quiz and grade assessments

- Animation based step-by-step experiments

- Language learning through stories, poems and grammar

ધોરણ 6 સ્વ-અધ્યયનપોથી

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Benefits for students and parents

Learning at any time: Students can improve lessons at home at their own pace and time with the help of audio dio-visual digital content.

Repeat Exercises: Students can strengthen their study with self-study exercises.

LEAKAGE FROM AUTOMATIC SPRINKLER INSTALLATIONS: Damage, caused by water accidentally discharged or leaked out from automatic sprinkler installations in the insured's premises, is covered. However, such destruction or damage caused by repairs or alterations to the buildings or premises; repairs removal or extension of the sprinkler installation; and defects in construction known to the insured, are not covered.

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