As you are aware that Insurance is a contract between insured and insurance company, and it covers injuries /damages due to insured perils/risks. The time of commencement of risk cover is the utmost important in the insurance policy.
source https://www.caclubindia.com/articles/when-insurance-policy-starts-to-cover-risk-49439.asp
source https://www.caclubindia.com/articles/when-insurance-policy-starts-to-cover-risk-49439.asp
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