Shell General Business Principles

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In respect of shipment on F.O.B. or C & F basis insurance will be arranged by the overseas buyers. Exporters can take out policies only from companies operating in Pakistan, which can be expressed in Rupees or in foreign currency. The maturity proceeds or surrender value of Rupee policies will be paid in Rupees only. In the case of foreign nationals, the remittance of maturity proceeds/surrender value of Rupee policies held by them, can be allowed only with the prior approval of the State Bank as indicated in preceding paragraph 3.

Shell General Business Principles

In respect of foreign nationals, such insurance covers can be written in Rupees or foreign currencies. However, in cases where foreign currency policies are issued to foreign nationals, premia thereon can be collected in foreign exchange only. To facilitate prompt payment to overseas claimants, the State Bank will consider requests from Pakistani insurance companies for settlement of such claims by their overseas settling agents through a system of revolving letter of credit. In cases where such permission is given, claims would be scrutinized by the overseas settling agents on the basis of the documents indicated at serial No. to in the preceding sub-paragraph and payments made through revolving letter of credit. Pakistanis, who had taken foreign currency policies while residing abroad, are required to declare them to the State Bank on their return to Pakistan.

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The Shell Code of Conduct clarifies the standards we expect our employees to follow and the behaviours we expect them to adopt. A reading-intensive course has a substantial reading component and requires multiple reading assignments that are evaluated at designated times during a semester. A writing-intensive course has a substantial writing component and requires multiple writing assignments to be submitted at designated times during a semester. Today, with over 87 years of winning the customer's trust, EFU stands as Pakistan's largest and the oldest general insurer, always ready to go the extra mile to serve better. Our philosophy is to be the leading company with the service above par, with integrity, excellence and professionalism.

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It is not permissible to issue marine policies covering imports into the country in currencies other than Rupees. All Shell employees and contractors, and those at joint ventures we operate, are expected to understand and behave according to our business principles at all times. We encourage suppliers, and joint ventures that we do not operate, to apply equivalent principles. We are in the business of providing a full range of non-life insurance products and services customized to meet the varied needs of a wide spectrum of businesses and individuals.

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