PRIVATE CAR PACKAGE INSURANCE POLICY

SECTION I – LOSS OF OR DAMAGE TO THE VEHICLE INSURED

1. The Company will indemnify the Insured against loss or damage to the
vehicle insured hereunder and/or its accessories whilst thereon:
(i) by fire, explosion self-ignition or lightning;
(ii) by burglary, housebreaking or theft;
(iii) by riot and strike;
(iv) by earthquake (Fire and Shock Damage);
(v) by flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost;
(vi) by accidental external means;
(vii) by malicious act;
(viii) by terrorist activity;
(ix) whilst in transit by road rail inland - waterway lift elevator or air;
(x) By landslide, rockslide.

Subject to deduction for depreciation at the rates mentioned below

in respect of parts replaced:
1. For all rubber/nylon/plastic parts, tyres and tubes, batteries and air bags- 50%
2. For fibre glass components- 30%
3. For all parts made of glass- Nil
4. Rate of depreciation for all other parts including wooden parts will be
as per the following schedule

AGE OF VEHICLE % OF
DEPRECIATION
Not exceeding 6 months Nil
Exceeding 6 months but not exceeding 1 year 5%
Exceeding 1 year but not exceeding 2 years 10%
Exceeding 2 year but not exceeding 3 years 15%
Exceeding 3 year but not exceeding 4 years 25%
Exceeding 4 year but not exceeding 5 years 35%
Exceeding 5 year but not exceeding 10 years 40%
Exceeding 10 years 50%

5. Rate of Depreciation for painting: In the case of painting, the

depreciation rate of 50% shall be applied only on the material cost of
total painting charges. In case of a consolidated bill for painting
charges, the material component shall be considered as 25% of total
painting charges for the purpose of applying the depreciation.

2. The Company shall not be liable to make any payment in respect of:
(a) consequential loss, depreciation, wear and tear, mechanical or electrical
breakdown, failures or breakages;
 (b) damage to tyres and tubes unless the vehicle is damaged at the same
time in which case the liability of the Company shall be limited to 50% of
the cost of replacement
and
(c) Any accidental loss or damage suffered whilst the Insured or any person
driving the vehicle with the knowledge and consent of the Insured is
under the influence of intoxicating liquor or drugs.

3. In the event of the vehicle being disabled by reason of loss or damage covered
under this Policy the Company will bear the reasonable cost of protection
and removal to the nearest repairer and redelivery to the insured but not
exceeding in all Rs. 1500/- in respect of any one accident.

4. The insured may authorize the repair of the vehicle necessitated by damage
for which the Company may be liable under this Policy provided that:
(a) The estimated cost of such repair including replacements, if any, does not exceed Rs.
500/-
(b) The Company is furnished forthwith with a detailed estimate of the cost of repairs;
And
(c) The Insured shall give the Company every assistance to see that such
repair is necessary and the charges are reasonable.

SUM INSURED - INSURED’S DECLARED VALUE (IDV)

The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM
INSURED’ for the purpose of this Policy which is fixed at the commencement of
each policy period for the insured vehicle.

The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed
on the basis of the manufacturer’s listed selling price of the brand and model as
the vehicle insured at the commencement of insurance/renewal and adjusted for
depreciation (as per schedule below).

The schedule of age-wise depreciation as shown below is applicable for the

purpose of Total Loss/Constructive Total Loss (TL/CTL) claims only.

THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE

AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 year but not exceeding 3 years 30%
Exceeding 3 year but not exceeding 4 years 40%
Exceeding 4 year but not exceeding 5 years 50%
IDV of vehicles beyond 5 years of age and of obsolete models of vehicles (i.e.
models which the manufacturers have discontinued to manufacture) is to be
determined on the basis of an understanding between the insurer and the
insured.
 IDV shall be treated as the ‘Market Value’ throughout the policy period without
any further depreciation for the purpose of Total Loss (TL) / Constructive Total
Loss (CTL) claims.

The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval
and/or repair of the vehicle, subject to terms and conditions of the policy, exceeds
75% of the IDV of the vehicle.

SECTION II – LIABILITY TO THIRD PARTIES

1. Subject to the limits of liability as laid down in the Schedule hereto the
Company will indemnify the Insured in the event of an accident caused by or
arising out of the use of the vehicle against all sums which the insured shall
become legally liable to pay in respect of:
(i) death of or bodily injury to any person including occupants carried in the
vehicle (provided such occupants are not carried for hire or reward) but
except so far as it is necessary to meet the requirements of Motor
Vehicles Act, the Company shall not be liable where such death or injury
arises out of and in the course of the employment of such person by the
insured.
(ii) Damage to property other than property belonging to the insured or held
in trust or in the custody or control of the Insured.
2. The Company will pay all costs and expenses incurred with its written consent.
3. In terms of and subject to the limitations of the indemnity granted by this
section to the insured, the Company will indemnify any driver who is driving
the vehicle on the insured’s order or with insured’s permission provided that
such driver shall as though he/she was the insured observe fulfill and be
subject to the Terms Exceptions and Conditions of this Policy in so far as they
apply.
4. In the event of the death of any person entitled to indemnity under this Policy
the Company will in respect of the liability incurred by such person indemnify
his/her personal representative in terms of and subject to the limitations of
this Policy provided that such personal representative shall as though such
representative was the insured observe fulfill and be subject to the Terms
Exceptions and Conditions of this Policy in so far as they apply.
5. The Company may at its own option
A. arrange for representation at any Inquest or Fatal Inquiry in respect of any
death which may be the subject of indemnity under this Policy
&
B. Undertake the defense of proceedings in any Court of Law in respect of
any act or alleged offence causing or relating to any event which may be
the subject of indemnity under this Policy.
AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY
Nothing in this Policy or any endorsement hereon shall affect the right of any
person indemnified by this Policy or any other person to recover an amount under
or by virtue of the provisions of the Motor Vehicles Act.
But the Insured shall repay to the Company all sums paid by the Company
which the Company would not have been liable to pay but for the said provisions.
 APPLICATION OF LIMITS OF INDEMNITY
In the event of any accident involving indemnity to more than one person any
limitation by the terms of this Policy and/or of any Endorsement thereon of the
amount of any indemnity shall apply to the aggregate amount of indemnity to all
persons indemnified and such indemnity shall apply in priority to the insured.

SECTION III - PERSONAL ACCIDENT COVER FOR OWNER-DRIVER

The Company undertakes to pay compensation as per the following scale for
bodily injury/death sustained by the owner-driver of the vehicle, in direct
connection with the vehicle insured or whilst driving or mounting
into/dismounting from the vehicle insured or whilst travelling in it as a co-driver,
caused by violent, accidental, external and visible means which independent of
any other cause shall within six calendar months of such injury result in:

Scale of
Nature of injury
compensation
(i) Death 100%
(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. 100%
(iii) Loss of one limb or sight of one eye 50%
(iv) Permanent total disablement from injuries other than named above. 100%

Provided always that

A. compensation shall be payable under only one of the items (i) to (iv)
above in respect of the owner-driver arising out of any one occurrence
and the total liability of the insurer shall not in the aggregate exceed the
sum of Rs. 2 lakhs during any one period of insurance.
B. No compensation shall be payable in respect of death or bodily injury
directly or indirectly wholly or in part arising or resulting from or traceable
to (1) intentional self injury suicide or attempted suicide physical defect
or infirmity or (2) an accident happening whilst such person is under the
influence of intoxicating liquor or drugs.
C. Such compensation shall be payable directly to the insured or to his/her
legal representatives whose receipt shall be the full discharge in respect
of the injury to the insured.
This cover is subject to
(a) the owner-driver is the registered owner of the vehicle insured herein;
(b) the owner-driver is the insured named in this policy;
(c) The owner-driver holds an effective driving license, in accordance
with the provisions of Rule 3 of the Central Motor Vehicles Rules,
1989, at the time of the accident.

GENERAL EXCEPTIONS
(Applicable to all Sections of the Policy)
The Company shall not be liable under this policy in respect of
1. Any accidental loss or damage and/or liability caused sustained or
incurred outside the Geographical Area.
2. Any claim arising out of any contractual liability;
 3. Any accidental loss or damage and/or liability caused sustained or incurred
whilst the vehicle insured herein is
(a) Being used otherwise than in accordance with the ‘Limitations as to Use’ or
(b) being driven by or is for the purpose of being driven by him/her in the
charge of any person other than a Driver as stated in the Driver’s
Clause.
4. A) any accidental loss or damage to any property whatsoever or any loss
or expense whatsoever resulting or arising there from or any
consequential loss.
B) any liability of whatsoever nature directly or indirectly caused by or
contributed to by or arising from ionizing radiations or contamination
by radioactivity from any nuclear fuel or from any nuclear waste from
the combustion of nuclear fuel. For the purpose of this exception
combustion shall include any self sustaining process of nuclear fission;
5. Any accidental loss or damage or liability directly or indirectly caused by
or contributed to by or arising from nuclear weapons material;
6. Any accidental loss or damage and/or liability directly or indirectly or
proximately or remotely occasioned by contributed to by or traceable to
or arising out of or in connection with war, invasion, the act of foreign
enemies, hostilities or warlike operations (whether before or after
declaration of war) civil war, mutiny rebellion, military or usurped power
or by any direct or indirect consequence of any of the said occurrences
and in the event of any claim hereunder the insured shall prove that the
accidental loss or damage and/or liability arose independently of and was
in no way connected with or occasioned by or contributed to by or
traceable to any of the said occurrences or any consequences thereof and
in default of such proof, the Company shall not be liable to make any
payment in respect of such a claim.

DEDUCTIBLE
The Company shall not be liable for each and every claim under Section - I
(loss of or damage to the vehicle insured) of this Policy in respect of the deductible
stated in the Schedule.

CONDITIONS
This Policy and the Schedule shall be read together and any word or expression
to which a specific meaning has been attached in any part of this Policy or of the
Schedule shall bear the same meaning wherever it may appear.
1. Notice shall be given in writing to the Company immediately upon the
occurrence of any accidental loss or damage in the event of any claim
and thereafter the Insured shall give all such information and assistance
as the Company shall require. Every letter claim writ summons and/or
process or copy thereof shall be forwarded to the Company immediately
on receipt by the insured. Notice shall also be given in writing to the
Company immediately the Insured shall have knowledge of any
impending Prosecution, Inquest or Fatal Inquiry in respect of any
occurrence which may give rise to a claim under this Policy. In case of
theft or criminal act which may be the subject of a claim under this policy
the Insured shall give immediate notice to the Police and co-operate with
 the Company in securing the conviction of the offender. Wherever
details pertaining to any incident which results in a claim, are conveyed
by the insured to the insurer after reasonable period, insured shall
provide the reasons of such delay to the insurer and insurer may on
analysis
of reasons provided by insured, condone the delay in intimation of claim
or delay in providing the required information/documents to the insurer.
2. No admission offer promise payment or indemnity shall be made or given
by or on behalf of the insured without the written consent of the
Company which shall be entitled if it so desires to take over and conduct
in the name of the Insured the defense or settlement of any claim or to
prosecute in the name of the Insured for its own benefit any claim for
indemnity or otherwise and shall have full discretion in the conduct of
any proceedings or in the settlement of any claim and the insured shall
give all such information and assistance as the Company may require.
3. The Company may at its own option repair reinstate or replace the
vehicle or part thereof and/or its accessories or may pay in cash the
amount of the loss or damage and the liability of the Company shall not
exceed:
(a) For total loss/constructive total loss of the vehicle - the Insured’s
Declared Value (IDV) of the vehicle (Including accessories thereon)
as specified in the Schedule less the value of the wreck.
(b) For partial losses, i.e. losses other than Total Loss/Constructive
Total Loss of the vehicle - actual and reasonable costs of repair
and/or replacement of parts lost/damaged subject to depreciation
as per limits specified.
4. The Insured shall take all reasonable steps to safeguard the vehicle from
loss or damage and to maintain it in efficient condition and the Company
shall have at all times free and full access to examine the vehicle or any
part thereof or any driver or employee of the Insured. In the event of any
accident or breakdown, the vehicle shall not be left unattended without
proper precautions being taken to prevent further damage or loss and if
the vehicle be driven before the necessary repairs are effected any
extension of the damage or any further damage to the vehicle shall be
entirely at the insured’s own risk.
5. The Company may cancel the policy by sending seven days notice by
recorded delivery to the insured at insured’s last known address on the
grounds of misrepresentation, fraud, non-disclosure of material facts or
non-cooperation and in such event will return to the insured the
premium paid less the pro rata portion thereof for the period the policy
has been in force or the policy may be cancelled at any time by the
insured on seven day notice by recorded delivery and provided no claim
has arisen during the currency of the policy, the insured shall be entitled
to a return of premium less premium at the Company’s short period rates
for the period the policy has been in force. Return of the premium by the
Company will be subject to retention of the minimum premium of Rs.
100/- (or Rs. 25/- in respect of vehicles specifically designed/modified for
use by blind/handicapped/ mentally challenged persons). Where the
ownership of the vehicle is transferred, the Policy cannot be cancelled
unless evidence that the vehicle is insured elsewhere is produced.
6. If at the time of occurrence of an event that gives rise to any claim under
this Policy there is in existence any other insurance covering the same
liability, the Company shall not be liable to pay or contribute more than
its ratable proportion of any compensation, cost or expense.
7. If any dispute or difference shall arise as to the quantum to be paid under
this Policy (liability being otherwise admitted), such difference shall
independent of all other questions be referred to the decision of a sole
arbitrator to be appointed in writing by the parties to the dispute or if
they cannot agree upon a single arbitrator within 30 days of any party
invoking Arbitration, the same shall be referred to a panel of three
arbitrators comprising two arbitrators one to be appointed by each of
the parties to the dispute/difference and a third arbitrator to be
appointed by such two arbitrators who shall act as the presiding
arbitrator and Arbitration shall be conducted under and in
accordance with the provisions of the Arbitration and Conciliation Act,
1996. It is clearly agreed and understood that no difference or dispute
shall be referable to Arbitration as hereinbefore provided, if the
Company has disputed or not accepted liability under or in respect of this
Policy. It is hereby expressly stipulated and declared that it shall be
condition precedent to any right of action or suit upon this Policy that
the award by such arbitrator/arbitrators of the amount of the loss or
damage shall be first obtained. It is also hereby further expressly agreed
and declared that if the Company shall disclaim liability to the insured
for any claim hereunder and such claim shall not, within twelve
calendar months from the date of such disclaimer have been made the
subject matter of a suit in a Court of Law, then the claim shall for all
purposes be deemed to have been abandoned and shall not thereafter
be recoverable hereunder.
8. The due observance and fulfillment of the Terms, Conditions and
Endorsements of this Policy in so far as they relate to anything to be done
or complied with by the insured and the truth of the statements and
answers in the said proposal shall be conditions precedent to any liability
of the Company to make any payment under this Policy.
9. In the event of the death of sole insured, this Policy will not
immediately lapse but will remain valid for a period of three months
from the date of death of insured or until the expiry of this Policy
(whichever is earlier). During the said period, legal heir(s) of the insured
to whom the custody and use of the Motor Vehicle passes may apply to
have this Policy transferred to the name(s) of the heir(s) or obtain a new
insurance policy for the Motor Vehicle. Where such legal heir(s) desire(s)
to apply for transfer of this Policy or obtain a new policy for the vehicle
such heir(s) should make an application to the Company accordingly
within the aforesaid period. All such applications should be accompanied
by:
a) Death Certificate in respect of the insured
b) Proof of title to the vehicle
c) Original Policy
IMT13. USE OF VEHICLE WITHIN INSURED’S OWN PREMISES
(Applicable to all classes except as otherwise provided in the tariff )

It is hereby understood and agreed that the insurer shall not be liable in
respect of the vehicle insured while the vehicle is being used elsewhere than in
the insured's premises except where the vehicle is specifically required for a
mission to fight a fire.

For the purposes of this endorsement, Use confined to own premises’ shall
mean use only on insured’s premises to which public have no general right
of access.

IMT15. PERSONAL ACCIDENT COVER TO THE INSURED OR ANY NAMED PERSON

OTHER THAN PAID DRIVER OR CLEANER
(Applicable to private cars including three wheelers rated as private cars
and motorized two wheelers with or without side car [not for hire or
reward])

In consideration of the payment of an additional premium it is hereby agreed

and understood that the Company undertakes to pay compensation on the
scale provided below for bodily injury as hereinafter defined sustained by
the insured person in direct connection with the vehicle insured or whilst
mounting and dismounting from or traveling in vehicle insured and caused by
violent accidental external and visible means which independently of any other
cause shall within six calendar months of the occurrence of such injury result in:

Scale of
Nature of injury
compensation
(i) Death 100%
(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. 100%
(iii) Loss of one limb or sight of one eye 50%
(iv) Permanent total disablement from injuries other than named above. 100%

Provided always that:

(1) Compensation shall be payable under only one of the items (i) to (iv)
above in respect of any such person arising out of any one occurrence
and total liability of the insurer shall not in the aggregate exceed the
sum of Rs... *(refer Policy Schedule) during any one period of insurance in
respect of any such person.
(2) no compensation shall be payable in respect of death or injury directly
or indirectly wholly or in part arising or resulting from or traceable to (a)
intentional self injury suicide or attempted suicide physical defect or
infirmity or (b) an accident happening whilst such person is under the
influence of intoxicating liquor or drugs.
(3) such compensation shall be payable only with the approval of the
insured named in the Policy and directly to the injured person or his/her
legal representative(s) whose receipt shall be a full discharge in respect
of the injury of such person.
Subject otherwise to the terms exceptions conditions and limitations of this Policy.
*The Capital Sum Insured (CSI) per passenger is to be inserted.
IMT.16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS OTHER THAN
INSURED AND THE PAID DRIVER OR CLEANER
(For Vehicles rated as Private Cars and Motorised Two Wheelers <not for hire
or reward> with or without side car)

In consideration of the payment of an additional premium, it is hereby

understood and agreed that the Insurer undertakes to pay compensation on the
scale provided below for bodily injuries hereinafter defined sustained by any
passenger other than the insured and/or the paid driver, attendant or cleaner
and/or a person in the employ of the Insured coming within the scope of the
Workmen’s Compensation Act, 1923 and subsequent amendments of the said
Act and engaged in and upon the service of the insured at the time such injury is
sustained whilst mounting into, dismounting from or traveling in the insured
motor car and caused by violent accidental external and visible means which
independently of any other cause shall within three calendar months of the
occurrence of such injury result in :-

Details of Injury Scale of Compensation

i) Death 100%

ii) Loss of two limbs or sight of two eyes or one limb and sight 100%
of one eye
iii) Loss of one limb or sight of one eye 50%

iv)Permanent Total Disablement from injuries other than named 100%

above

Provided always that:

(1) compensation shall be payable under only one of the items (i) to (iv) above in
respect of any such person arising out of any one occurrence and total liability of
the Company shall not in the aggregate exceed the sum of Rs * during any one
period of insurance in respect of any such person.
(2) no compensation shall be payable in respect of death or injury directly or
indirectly wholly or in part arising or resulting from or traceable to (a) intentional
self injury, suicide or attempted suicide physical defect or infirmity or (b) an
accident happening whilst such person is under the influence of intoxicating
liquor or drugs.
(3) such compensation shall be payable only with the approval of the Insured
named in the Policy and directly to the injured person or his/her legal
representative(s) whose receipt shall be a full discharge in respect of the
injury of such person.
(4) not more than …** persons/passengers are in the vehicle insured at the
time of occurrence of such injury.

Subject otherwise to the terms exceptions conditions and limitations of this Policy.

* The Capital Sum Insured (CSI) per person is to be inserted.

** The registered sitting capacity of the vehicle insured to be inserted.
PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND CONDUCTORS
(Applicable to all classes of vehicles)

In consideration of the payment of an additional premium, it is hereby

understood and agreed that the insurer undertakes to pay compensation on the
scale provided below for bodily injury as hereinafter defined sustained by the
paid driver/cleaner/conductor in the employ of the insured in direct
connection with the vehicle insured whilst mounting into dismounting from or
traveling in the insured vehicle and caused by violent accidental external and
visible means which independently of any other cause shall within six calendar
months of the occurrence of such injury result in;

Scale of
Nature of injury
compensation
(i) Death 100%
(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. 100%
(iii) Loss of one limb or sight of one eye 50%
(iv) Permanent total disablement from injuries other than named above. 100%

Provided always that:

(1) compensation shall be payable under only one of the items (i) to (iv)
above in respect of any such person arising out of any one occurrence
and total liability of the insurer shall not in the aggregate exceed
the sum of Rs....................* (refer Policy Schedule) during any one
period of insurance in respect of any such person.
(2) no compensation shall be payable in respect of death or injury directly
or indirectly wholly or in part arising or resulting from or traceable to (a)
intentional self injury suicide or attempted suicide physical defect of
infirmity or (b) an accident happening whilst such person is under the
influence of intoxicating liquor or drugs.
(3) such compensation shall be payable only with the approval of the
insured named in the Policy and directly to the injured person or his/her
legal representative(s) whose receipt shall be a full discharge in respect
of the injury of such person.
Subject otherwise to the terms exceptions conditions and limitations of this Policy.
*The Capital Sum Insured (CSI) per person is to be inserted.

IMT22. COMPULSORY DEDUCTIBLE

(Applicable to Private Cars, three wheelers rated as private cars, all motorized two
wheelers, taxis, private car type vehicle plying for public/private hire, private type
taxi let out on private hire)

Notwithstanding anything to the contrary contained in the Policy it is hereby

understood and agreed that the insured shall bear under Section I of the Policy
in respect of each and every event (including event giving rise to a total
loss/constructive total loss) the first Rs * (refer Policy
Schedule) (or any less expenditure which may be incurred) of any expenditure
 for which provision has been made under this Policy and/or of any expenditure
by the insurer in the exercise of his discretion under Condition no. 3 for Private
Cars Policy.

If the expenditure incurred by the insurer shall include any amount for which the
insured is responsible hereunder such amount shall be repaid by the insured to
the insurer forthwith.
For the purpose of this Endorsement the expression “event” shall mean an event
or series of events arising out of one cause in connection with the vehicle insured
in respect of which indemnify is provided under this Policy.

Subject otherwise to the terms conditions limitations and exceptions of this Policy.

* (i) to insert amount as appropriate to the class of vehicle insured as per GR.40 of the tariff.
(ii) in respect of a vehicle rated under the Tariff for Private Car and in respect
of a motorised two wheeler not carrying passengers for hire or reward, if
any deductible in addition to the compulsory deductible provided in this
endorsement is voluntarily borne by the insured, the sum representing the
aggregate of the compulsory and the voluntary deductibles is to be inserted.

IMT24. ELECTRICAL/ELECTRONIC FITTINGS

(Items fitted in the vehicle but not included in the manufacturer’s listed selling price of the
vehicle
- Package Policy only)

In consideration of the payment of additional premium of Rs.......(refer Policy

Schedule) notwithstanding anything to the contrary contained in the Policy it is
hereby understood and agreed that the insurer will indemnify the insured
against loss of or damage to such electrical and/or electronic fitting(s) as
specified in the schedule whilst it/these is/are fitted in or on the vehicle insured
where such loss or damage is occasioned by any of the perils mentioned in
Section 1 of the Policy. The insurer shall, however, not be liable for loss of or
damage to such fitting(s) caused by/as a result of mechanical or electrical
breakdown. Provided always that the liability of the insurer hereunder shall not
exceed the Insured’s Declared Value (IDV) of the item. Subject otherwise to the
terms conditions limitations and exceptions of this Policy.

IMT25. CNG/LPG KIT IN BI-FUEL SYSTEM

(Own Damage cover for the kit)

In consideration of the payment of premium of Rs ............. * (refer Policy Schedule)

notwithstanding
anything to the contrary contained in the policy it is hereby understood and agreed
that the insurer will indemnify the insured in terms conditions limitations and
exceptions of Section 1 of the policy against loss and/or damage to the CNG/LPG
kit fitted in the vehicle insured arising from an accidental loss or damage to the
vehicle insured, subject to the limit of the Insured’s Declared Value of the CNG/LPG
kit specified in the Schedule of the policy.
* To insert sum arrived at in terms of G.R.42. Where the value of the CNG / LPG
kit is not separately available, the words “premium of Rs… “Appearing in the
first line of the IMT shall be replaced by
the words “5% extra on Own Damage premium of Rs… ..... “The words in the last two lines of
IMT
reading as “subject to the limit of the Insured’s Declared Value of the CNG/LPG kit
specified in the Schedule of the policy” are to be deleted.

Subject otherwise to the terms conditions limitations and exceptions of this Policy.

* To insert sum arrived at in terms of G.R.42.

IMT26. FIRE AND/OR THEFT RISKS ONLY

(Not applicable for Miscellaneous and Special Types of vehicles rateable under
Class -D and Motor Trade Policies under Classes- E, F and G of the Commercial
Vehicles Tariff )

Notwithstanding anything to the contrary contained in the policy it is hereby

understood and agreed that Section II of the Policy is deemed to be cancelled and
under Section I thereof the insurer shall only be liable to indemnify the insured
against loss or damage by fire explosion self ignition lightning and/or burglary
housebreaking theft and riot strike malicious damage terrorism storm tempest
flood inundation and earthquake perils whilst the vehicle is laid up in garage and
not in use.

Subject otherwise to the terms conditions limitations and exceptions

of this Policy. NB.(i) In case of Fire Risk only, the words “burglary

housebreaking theft” not applicable.

NB.(ii) In case of Theft Risk only, the words “fire explosion self ignition lightning
riot strike malicious damage terrorism storm tempest flood inundation and
earthquake perils” not applicable.

IMT27. LIABILITY AND FIRE AND/OR THEFT

(Not applicable for Miscellaneous and Special Types of vehicles rateable under
Class –D of the Tariff for Commercial Vehicles)

Notwithstanding anything to the contrary contained in the Policy it is hereby

understood and agreed that Section I of the Policy the insurer shall not be liable
there under except in respect of loss or damage by fire, explosion, self ignition,
lightning and/or burglary, housebreaking, theft and riot, strike, malicious
damage, terrorism, storm, tempest, flood, inundation and earthquake perils.
Subject otherwise to the terms conditions limitations and exceptions of the Policy.
NB. (i) In case of Liability and Fire Risks only, the words “burglary housebreaking
theft” are not applicable.
NB. (ii) In case of Liability and Theft Risks only, the words “fire explosion self
ignition lightning riot strike malicious damage terrorism storm tempest flood
inundation and earthquake perils” are not applicable.
IMT28. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR
CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF INSURED
VEHICLE
(For all Classes of vehicles.)

In consideration of an additional premium of Rs. 50/- notwithstanding anything

to the contrary contained in the Policy it is hereby understood and agreed that
the insurer shall indemnify the insured against the insured’s legal liability under
the Workmen’s Compensation Act, 1923, the Fatal Accidents Act, 1855 or at
Common Law and subsequent amendments of these Acts
prior to the date of this Endorsement in respect of personal injury to any paid
driver and/or conductor and/or cleaner whilst engaged in the service of the
insured in such occupation in connection with the vehicle insured herein and will
in addition be responsible for all costs and expenses incurred with its written
consent.
Provided always that:
(1) this Endorsement does not indemnify the insured in respect of any
liability in cases where the insured holds or subsequently effects with
any insurer or group of insurers a Policy of Insurance in respect of
liability as herein defined for insured’s general employees;
(2) the insured shall take reasonable precautions to prevent accidents and
shall comply with all statutory obligations;
(3) in the event of the Policy being cancelled at the request of the insured
no refund of the premium paid in respect of this Endorsement will be
allowed.
Subject otherwise to the terms conditions limitations and exceptions of the
Policy except so far as necessary to meet the requirements of the Motor Vehicles
Act, 1988.

IMT29. LEGAL LIABILITY TO EMPLOYEES OF THE INSURED OTHER THAN PAID

DRIVER AND/OR CONDUCTOR AND/OR CLEANER WHO MAY BE TRAVELLING
OR DRIVING IN THE EMPLOYER’S CAR
{Private Cars only/ Motorised two wheelers (not for hire or reward)}

In consideration of the payment of an additional premium @ Rs. 50/- per

employee insured notwithstanding anything to the contrary contained in the
policy it is hereby understood and agreed that the insurer will indemnify the
insured against the insured’s liability at Common Law and Statutory Liability
under the Fatal Accidents Act, 1855 for compensation (including legal costs of
any claimant) for death of or bodily injury to any employee (other than paid
drivers) of the within named insured being carried in or upon or entering in or
getting on to or alighting from or driving the vehicle insured.
Provided that in the event of an accident whilst the vehicle insured is carrying more than *
(refer Policy Schedule) employees of the insured (including the driver) the
insured shall repay to the insurer a rateable proportion of the total amount
payable by the insurer by the reason of this endorsement in respect of accident
in connection with such vehicle insured.

Subject otherwise to the terms, conditions limitations and

 exceptions of this Policy. NB. * To insert the number of employees
for which the premium has been paid.

IMT30. TRAILERS.
( Applicable to Private Cars Only)

In consideration of the payment of an additional premium it is hereby

understood and agreed that the indemnity granted by this policy shall extend
to apply to the Trailer (Registration No........................................................................................(refer
Policy Schedule))

Provided always that -

* (a) the IDV of such Trailer shall be deemed not to exceed ........ * * (refer Policy Schedule)
(b) the term "Trailer" shall not include its contents or anything contained thereon.
(c) such indemnity shall not apply in respect of death or bodily injury to any
person being conveyed by the said Trailer otherwise than by reason of or in
pursuance of a contract of employment.

Subject otherwise to the terms, conditions limitations and exceptions of this Policy.
* Not applicable in the case of Liability to the public Risks only policies.

** Insert value of trailer as declared at inception of insurance or any renewal thereof.

One claim or series of claim arising out of one event