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This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act.
Key Features
Covers Third Party Liability only
Long term policy for 5 years
No hassle of annual renewals
No effect of change in Third Party Liability Premium during the policy period
No effect of change in GST during the policy period
Coverage
This Policy protects against 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
Additional covers at extra cost :
1.Personal accident cover of Rs. 15 lakhs in case of two-wheelers and private cars for individual owner of the vehicle/s while driving. This benefit is however, not available for a Company owned vehicle. Personal
Accident cover: of Rs. 1 lakh per person, in case of two-wheelers and Rs 2 lakhs per person for other class of vehicles, is also available for the occupant/s of the vehicle/s.
2.Additional Legal liabilities for : Paid driver/conductor/cleaner employed in operation of vehicle. Employees travelling in/driving the vehicle other than paid driver.
3.Bifuel-Kit : Any Legal Liability arising out of the use of CNG-LPG bifuel kit
Major Exclusion
The Company shall not be liable in respect of any claim arising whilst the vehicle insured herein
(a) Being used otherwise than in accordance with the Limitations as to Use
(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.
The Company shall not be liable in respect of any claim arising out of contractual liability.
Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death arising out of and in the course of employment of a person in the employment of the Insured or in the employment of any person who is indemnified under this Policy or bodily injury sustained by such person arising out of and in the course of such employment.
Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the motor vehicle at the time of the occurrence of the event out of which any claim arises.
The Company shall not be liable in respect of any 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 accident, 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 consequences thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim.
The Company shall not be liable in respect of any liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
