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With Our Two Wheeler Insurance policy, you get right and complete protection for you and your Vehicle.
We protect you and your vehicle from accident and associated consequences.
Everyone likes to have his or her own set of wheels whether for work or social reasons. Unfortunately, an unexpected event can bring financial strain and legal liabilities. Which is why it's necessary to protect yourself, your occupants and most importantly, your precious vehicle against huge losses and legal liabilities if the unforeseen happens.
With Our Two Wheeler Insurance policy, you get right and complete protection for you and your Vehicle.
Applicability:
Any private registered Two Wheeler is eligible for this insurance.
Benefits:
Third party liability:
Our policy protects you against any legal liability arising out of the use of the vehicle, towards third party bodily injury and any third-party property damage.
Loss or damage to the vehicle:
Our policy covers you against any loss or damage caused to the vehicle or its accessories due to the following risks: Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rock slide, 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:
Loss of Accessories by Burglary, Housebreaking or Theft Accessories are covered against the risk of burglary and theft without vehicle being stolen itself
Owner Driver Personal accident cover: Policy provides compulsory personal accident cover of Rs. 15,00,000 to individual owners of the vehicle while driving the insured vehicle or mounting into/dismounting from the vehicle insured or whilst travelling in it as a co-driver.
This cover is not applicable for a Company owned vehicle.
Pillion rider can also be covered for Personal Accident for a maximum Capital Sum Insured of Rs. 1 lakh per person.
Additional Legal liabilities:
The following legal liabilities may also be opted at an additional premium.
Employed paid driver.
Your employees travelling in/driving your vehicle.
GENERAL EXCEPTIONS:
The company shall not be liable if loss or damage is attributed to the following;
1. If the vehicle insured herein is used otherwise than in accordance with the Limitations as to Use provision
which prohibits use of vehicle for
a. Hire & Reward
b. Carriage of goods other than samples or personal luggage
c. Organized racing
d. Pace making
e. Speed testing
f. Reliability trials
g. Use in connection with motor trade
2. If vehicle is driven by any person other than a Driver as stated in the Driver's Clause.
3. In respect of any claim arising out of any contractual liability.
4. Consequential loss, wear & tear, depreciation, mechanical or electrical breakdown.
5. If person driving your vehicle is under the influence of intoxicating liquor or drugs.
6. Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;
7. Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.
8. 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, nuclear weapons material, liability arising from ionizing radiations or contamination by radioactivity from any nuclear fuel.
