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Cart / Tonga that is pulled by the animal. Animal used for pulling the said Cart / Tonga such as He-buffaloes Bullocks horse Mule Donkey and Camel as the case may be.
We Cover
Cart / Tonga that is pulled by the animal.
Animal used for pulling the said Cart / Tonga such as He-buffaloes Bullocks horse Mule Donkey and Camel as the case may be.
Who can be insured ?
SECTION I
Death / PTD of animal and loss or damage to cart / tonga and its accessories by:-
Accidental external means.
Fire explosion lightning flood cyclones earthquake burglary house breaking.
Riot strike Malicious act terrorism.
While in transit by rail road inland waterways.
If the animal is to be covered against disease also cover exclusions and conditions will apply as per cattle policy Cover can be extended for the cart against loss/damage by Theft risk.
SECTION II
Third Party Liability arising out of accidents
Personal injury (fatal and non-fatal)
Property damage
SECTION III
Personal Accident cover to Driver
Insured against What Risks ?
Owners Of the Animal Driven Cart / Tonga
WHAT WILL POLICY PAY AND HOW MUCH?
SECTION I
A. CART
1. In case of damage actual expenses of repair subject to deduction towards depreciation and under-insurance
2. Damage to hard or pneumatic rubber tyres payable up to 50% only when the same are damaged along with cart.
3. In case of total loss 75 % of sum insured or market value whichever is less Item 1 & 2 subject to an excess of Rs. 100/- or Rs. 200/- per Cart/Tonga respectively
B.ANIMAL
1. Sum insured or market value whichever is less in case of death
2. 75 % of Sum insured or market value whichever is less in case of PTD
SECTION II
1. Legal Liability up to a limit of Rs. 10 0 during any one year
2. Litigation expenses incurred with the consent of the Insurer to contest any third party claim preferred.
SECTION III
Personal accident to driver. Injury / death directly caused by accident
1. Death Rs. 6 0
2. Loss of sight of both eyes or loss of two limbs or one eye and one limb – Rs. 6 0
3. Loss of one eye or one limb Rs. 3 0
4. Permanent total disability Rs. 6 0
WHAT WILL POLICY NOT PAY?
The policy does not cover liability in respect of death disablement or injury or any loss or damage caused by:-
War group of perils nuclear perils
Intentional self injury suicide insanity breach of law
Malicious or willful injury or neglect or overloading or strain unskilled treatment
Theft of accessories unless the cart itself is stolen
Theft clandestine sale of the insured animal
Wear and tear depreciation consequential loss and dismantling of cart for the purpose of repairs.
Any accident to the cart which is driven under the influence of drugs or drinks
Partial disability of any type whether permanent or temporary to animal
Compensation under more than one item of Section III of policy
In case of driver partial disability of any type other than the disability mentioned in Section III above.
Any liability by virtue of an agreement
