Motor Act Only Policy

MOTOR ACT ONLY POLICY
As per the Motor Vehicles Act, it's mandatory to buy third-party liability insurance. Our Motor Act Only Policy for Vehicles is specially designed to cover this liability.

Personal Accident Cover
The policy includes a personal accident cover of Rs1 lakh (in case of two-wheelers) and Rs 2 lakhs for other classes of vehicles for owner of the vehicle/s. This benefit is, however, not available for a company-owned vehicle.
Available only if the owner of the vehicle holds a valid driving licence
Additional Legal Liabilities
While applying for a Two wheeler Insurance Policy, you can also opt for the following additional legal liabilities at an additional premium
Paid driver/conductor/cleaner employed in operation of vehicle
Employees travelling in/driving the vehicle other than the paid driver
Non-fare paying passengers
Bi-Fuel Kit
This policy also covers any legal liability arising out of the use of CNG-LPG bi-fuel kit.

What's Covered
This policy safeguards you against any legal liability arising out of the use of your vehicle towards third parties leading to bodily injury to/death of a person and any damage caused to the third-party property.

What's Not Covered
Paid driver / conductor / cleaner employed in operation of vehicle
Employees travelling in / driving the vehicle other than paid driver
Non-fare paying passengers
There is some contradiction here. Additional legal liabilities and Exclusions have the same points.