Motor Tractor package

MOTOR TRACTOR PACKAGE
Your tractor is a crucial asset. It boosts your farms productivity by helping you save time, energy and effort. Insure it with our unique policy and stay worry-free. The tractors used for agricultural activities are insured under the Commercial Miscellaneous Class D category and the ones used for hauling goods are insured under the Commercial GCV category.

Additional Covers
-Legal liability towards the driver
-IMT 23 which covers the mudguard, bonnet, headlamps, fender and paintwork.

Available Discounts
No-claims bonus
If you do not make a claim during the policy period, a No-claims bonus (NCB) is offered on renewals.

What's Covered
-This policy provides compensation for the damage to your tractor caused by any accidental occurrence or theft.
-It also protects the owner against any third-party liability arising out of the usage of the tractor. This liability is unlimited in nature.

What's Not Covered
While we make every effort to give you the best possible services, any loss of/damage to your two-wheeler and/or its accessories will be not be covered if caused by any of the following:
-Normal wear and tear as well as general ageing of the vehicle
-Depreciation or any consequential loss
-Mechanical/electrical breakdown
-Damage to/by a person driving the vehicle without a valid licence
-Damage to/by a person driving the vehicle under the influence of drugs or liquor
-Loss/damage due to war, mutiny or nuclear risk
-Use of the vehicle in violation of the Limitation As To Use clause, mentioned in the policy

Add-on covers
-Depreciation reimbursement
-When you avail this cover, no deduction in claim is made towards the depreciation in parts.

Return to invoice
This cover ensures that you are paid the full value of the vehicle, along with the registration charges and road tax, in case of total loss and theft.

NCB protection
This cover ensures that your No-claims Bonus (NCB) remains protected at the time of renewal, even in case of a single claim during the policy period.