Definition: General Direct Insurance is a form of insurance that covers a whole lot of things, rather than just one thing. A general direct insurance policy provides coverage for all types of risks such as fire, theft, bodily injury to an insured person or their immediate family members, and property damage caused by another person's fault. The term "general" means it is not limited in coverage terms. It also covers the entire property of a person rather than just his or her personal possessions. In this context, 'general direct insurance' is simply a general form of insurance where you are covered for all risks and coverages.
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