Private Car Package Policy

Brief Description
A Private Car is defined as any transport vehicle /car /omnibus whose unladen weight does not exceed 7,500 kgms and is used only for social,domestic and pleasure purpose and insured's own business. The policy does not cover use for Hire or Reward, Organised racing, Speed testing and carriage of goods (other than samples) in connection with any trade or business or use for any purpose in connection with MOTOR TRADE. On payment of extra premium the policy may be extended for Personal Accident cover as well.

Covered Risks
Fire,Explosion, Lightning,Burglary and Theft,Riot and Strike, Typhoon,Hurricane,Storm, Tempest, Malicious act,Earthquake,Flood,Terrorist activity,Landslide/Rock slide. It also covers damages by accidental, external means while in transit by rail/road, inland water, lift or air in addition to the legal liability required by law

Major Exclusions
Consequential loss,Depreciation,Wear&tear,Mechanical/electrical breakdown,failures or breakages,Damage to tyres unless the motor car is damaged at the same time and any accidental loss or damage suffered while the person driving is under the influence of intoxicating liquor or drugs.