Motor Trade-Road Transit

Comprehensive Cover

This form of cover provides Insurance against:-

• Loss, destruction or damage to the insured vehicle caused by an insured event as stated in the policy wording.  
• Any liabilities as described in B) below. 
• Liability Only Cover  
• This form of cover provides Insurance against  
• Legal Liability to pay compensation for third-party injury or death arising out of the use of the insured vehicle.  
• Legal Liability to pay compensation for third-party property damage caused by the use of the insured vehicle  

Coverage

• Third party liability: protects against any legal liability arising out of the use of the vehicle, towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property. 
• Loss or damage to the vehicle: The Policy covers against any loss or damage caused to the vehicle or its accessories due to the following natural and man - made calamities.  
• Natural Calamities: Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide. 
• Man-made Calamities:Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, and any damage in transit by road, rail, inland waterway, lift, elevator or air. 

Additional covers at extra cost 

1.Additional Legal liabilities:

• The following additional legal liabilities may also be opted for at an additional premium.  
• Paid driver/conductor/cleaner employed in operation of vehicle 
• Employees travelling in/driving the vehicle other than paid driver. 

2.Bifuel-Kit 

• The CNG-LPG bifuel kit can also be covered by paying additional premium  

The Company shall not be liable under this Policy in respect of :

• any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area  
• any claim arising out of any contractual liability  
• any accidental loss 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 in the charge of any person other than a driver as stated in Driver’s Clause

• (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 ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this exception combustion shall include any self-sustaining process of nuclear fission.

• any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. 

The Company shall not be liable in respect of any accidental loss damage and/or liability directly or indirectly 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 war like operations (whether before or after declaration of war) civil war, mutiny, rebellion, military or usurped power or by any direct or indirect consequences of any of the said occurrences and except under Section II -




I (i) of this Policy whilst the Insured or any person driving with the general knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs and in the event of any claim hereunder the Insured shall prove that the accidental loss 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 consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim.