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    36 views7 pages

    Future Generali Policy Wording PDF

    Uploaded by

    Asif Faiz

    Copyright:

    © All Rights Reserved
    Download as PDF or read online from Scribd
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    Gag FUTURE GENERALI INDIA Insurance Company Limited FUTURE SECURE PRIVATE CAR PACKAGE INSURANCE POLICY STANDARD FORM FOR PRIVATE CAR PACKAGE POLICY "whores the insure oy a prvpasal ana aedarton sated a tated inthe Setiaule whim shal de te sa5 tls contract ans i deere a b¢ icoraartea neni Nas apples to te Sorpany forthe Insurance ‘irtnaeer contained and has pau tne ara mentioned (the “Sheds conngorton fr euch neurancenrespeet accents at Setamage occuring dung theberaaarinsuronce That sunjet tothe Terms Exceptions and Conditions contained herein ot ‘SECTION Loss OF dR DAMAGE TO THE VEHICLETNSURED 4. The Company il Inomnty te insure agaist es or damage 12 Ins venle nurad ereunder and/or accesories wit herson 1 tytreexploson seianttonarightning: 1 byourlary nasenreaking ortho: fe byeatnguak (ronal shock eamane) ‘by Moos eyahoon hurieane storm tenet randation eyone Jas whistntanseby rad ral inlond-waterway i slvator or ar bylangeigeracisiae Subject to 2 deduction for depreiauan ate rates mentoned Yeon in (4) Fora ribr/nvon/lasocans, yes and ce ean room ~ 30% 42) Fortorealasscomponents 28 (2) Puatipars madeat ess Ni (9) Rae of egrecaronov ther rts including wooden pats wi AGE OF Vente. 56 OF DEPRECIATION oterceesing Smontns a Eneoesing monte ut not exceaaing year She Excoeaig I year but otaxceeaing 2 years 30% Enceeaing2 years ounatexceedng 3 years 1s Encceaing 3 years atnotexceding 4 Yeare 255 Exceeding years unatercensing§ Years in Eneonaing year buceatceeang 20 Years som fvceeang 0 years Eo 2. TheCompany sallnatbelableto make any payment in respataf=| (a) consequet.a las, depreciation, wear and tat mechancalor ‘Stel reakaonny fares or reskages, (6) damage to yrs and tubes unless the vehice mae atthe Seng nh ce he aay fe srr a8 DE (6). any aciderta los or damage stares wise he insured or {ny gern arvarg ne ven wenthe homage and coment 2. inthe event of the venice being dealed by saan of los or Samage covered under ta Polty the Company il bear toe ‘SEaronaole cmt of protection an removal ta the este repr Sl redeleery to to inured ut not exceeding nat Ae 1500/19 Fespectof anyone nies ‘ne insured may authors te repair ofthe ve cle necesskatd ay damage for which the Cormany may be Sable wer th POY proudoathat (2) the estimated cast af sueh apy ineuding relacements, Shy doeeno excead Rs £00 (©) the Company earned Forth wh a dealing extinate of thecost reps: and (0) the wsured shall gue the Company every assstanea toate chat ‘Slenropaie necessary and tne charges are easonade ‘SUM ENSURED “TNSUIRED's DECLARED VALUE(IOV) ‘The Ingurea's Declared Value (IOV) ofthe vehi wil be deemed to bet SUM INSURED forthe purpose of hs poly whch iad atthe Srimencement af exch poly peed the ured vice The 1D afte vencleganaacease-es any fits the velo tobe (edn the bass af Ste mance sted Scing ice a re srond ‘ie rade ne the veered atthe commencement of naurancey ‘heal sna adncetordaprecation (30 chad. beloy). ‘Te schedule of ages cepreclation as shown below We apoheable for {nS purpose Tot oee/Conasartwe Tatars (FL/€YL)eomsany THE SCHEOULE OF DEPRECIATION FOR FIXING IOV OF THE [ie OF oePREcInTION) Nocenceedng 6manthe St ‘Exceeding 6 manthsbut nexcesirg Vee 1 sezeeing i year But nat axczeding 2 20% Eacoeding2 years but rovexcnedna 3ye37S 30% Exceeding yours bat notonrneera Vass | a, Exceeding &yearsbit rvexcundhg $year | SH) 1DV of vehicles beyond & year af age ond of oblate modes of the abides {vs mosis inch te Manufsciers have assorted "> manufacture) (sta a caermined on tne bass OF a understanding Batwean thevnsrsr ane ene neue. 10Y shale ventas ag tne "ake Value evoushou ne poly pod Wehout any farther degracaein fr te pursose ot Total Lest GFL) ‘Conavudtve Taal oss (€TL) 2 ms he ind vena sal i (eated 94 9 CTL fc aggregate cast of {cereal and/or par of te Veiga, subject to ere a conan OF ‘Shepolcy, exceeds /oialuia Over tneven cs SECTION aT LEABILETYTO NUROPARTIES |) 11. Subject tne ims of anit a ed dom nthe Schedule nerero| he Company vl indent the nau tne event of aden ‘Shieed by oF araig ou 0 the use fee vonele aga al nr trentne nnuressaltBecare nly ble pay nr espacta (0) Geath oF or soy sur ta any parson Inctuceg aexupants arnod nthe vinci (prvided ach cceupente ar otc ed [rtire or reward) ou excepaso ar ess nacomaryto meet ‘hero emants ator Vehles Ace tne Company sl ft beable nnere Suen deat oriniury dss Sa 8 a me ‘hurt ot neasoyrestorsieh parson oy te inure (image to propery other khan aropery Belonging che inrorel or nid ust ar the casoey oF conta ot Ee 2. The Company wil ay al costs and expenses Incurred with it 3. In tors of and sunject tthe Invtatons ofthe indenty granted Eyinsueian shew heconpany ninety aver Decision provided that sen dv shales naugh e/she athe [sures serve fil and sist t te ats serepons and Condhlonsafthe eoleyntlarastney ape. Inte avant ene vent any pers eet 1 indemnity under {his poe the Comaeny alm resp of! habiky Inet BY Sich person iidemnty nayher personal representative nts of Sad ojac tne atane OF ts Faicy provided hat sack Berson oaresemative seas though ach eoresentotve was CAE Insured observe ta wrd be subjct to the terme txeapt one 3 ‘onions arth a\ey "30 9raetney 303 5. TheCompanymay atts oan sption (a) arrange fr rearesentaton at any Inquest o Fatal tagulsy in ‘tapuct of any death wnien maybe the subject of inom Ungar Pley ene (0) ndrzake tne defence of sroceeaings in any Cour of La ia (aspactof any ater epee afence easing or clang ta 299 ‘Sentwhienmay bette susjceratncenity under sey [AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY Noting nes Paley ony endorsement nerean shal tec the nig of Shy parse indeed ay th Poly or any ser person fo recover at Smountunsar roy et of eprovsionsaf the ater Vel At ‘utthe sured shalraeay tothe Company aixums play the Company tinh te Company would ae have een tabi to poy But for he 38 [APPLICATION OF LIMITS OF INDEMNTTY Inve evento any sceaere vowing incemnty wo moretan one person hy sitatisn tyne term of tna Poley angfr of any endorsement {hoon he cine fay ser sha apy To te aggregate SECTION Ir = PERSONAL'ACCIDENT COVER’ FOR OWNER! “The Company undertakes pay compensation a per te folowing Sale {or soa inuryideatn sustained by te pemar-orvar of te Yani, 9 iver “Snuses by wolse acediental externa and we snes wich “ependane ot anyother cue sal stn eatndor months of Puch [Nature ofinjury—_—_—_—*|”‘Seala of compensation | [i beth 10086 {OY Lasso eg Eo SGOT ST ronolimbandigheatane eve 20086 (i Permanenttatal momenta (@) compensation shal be payable unde only one ofthe tems (80s) ‘Shove in respect of the ower-aiver ara eat oF anyone Sccurence and tha total apie of the Insurer shal not fa the Saregte sursed tie sam oF Re aks Gung anyone period OF (8) socom pensation shalbepayabiinrespecto eat orboaiyinjry tirecty or inaacty whom part arsng er resutong fram oF ffoceune tt) enon se muy suse sr attempted sues piystaeetece or ntmty a (2) an acader happening was Such Gem icuncerthetnuence of taseaeng hquorornoge (6) Such compensation shall be paysbie dey tothe insured or ta IGMher lgal repreventatves,nlaee recat shal be the fal dischargeinrespectoftreinjury tte insure, “Tiscover ie sudjectto (2) the oomer-dever i the repstered avner af the vehi insured () 9 aynerver ithe sured named i the Bor (te omeraiver noi an effective arving ans a accordance Sine provisions of ule 3 of te Con! Motor emis Ruts ‘ogg. ateActme of te aca GENERAL EXCEPTIONS {agpicable oa Sections ofthe Fey “The Comperyshanot be ila under this Poly in respect at 1. any accidental oss or damage and/or Vabity caused sustained or Incurratutsice the geayapnicare 2. snycaimarsing out of ary contacts! bay; 5. soy acide oss camage anafor Yaotny caused sustained or Intuesguhlatnevehiceinesrea herein (2) ng ue eters an a erence wah Lumeaone (0) tengasven by aritorthe purpene of ing ven by nimyner inthe charge any peron ther than 9 Drverax atten the ny acetal les or damage to any propery whatsoever or fn} sor nen natspever aug Sr avg there om any consequent oss (©) anpaoity of whatsoever ature sacl o inaveciy caused by'oreontsuted toby ar aang from fnsing Tadseone or Edetaminabon by fadioactvty from any nuclear feo rom Shy nucsar ae from the combustion feo il Forte Dutpose of this exceton cambustan Sha iseude ay se Pustaning process of nutes anon, 5. Anyacecente| ies orcamageor soy sraty ar inarcty cused by Sreantuted tay or arsing rom aucear weaponsmmater 5. Any aciental ass damage andar ait racy or nara oF Peokimatey or remoteyy pecasoned by continued to by. oF [ricou et or arising ou afer nconnecion'mth nar veo, the ‘sd of fvegn enemas, nstles or marae opwations (unter store after Sacarettonot war cu wan matny rab a ary 3p pore yey eet or nen consequent any ot Insured nat grove mathe gosgertl oes domage ano" ity See depencontiy of a no way coset i r Sczaeionoa by af conenouted toby of Wacoal to ony of asad ‘Sesorcnces or any Coneaguances threat and it deft of seh rob, the Company shat hat be tatie to snake any payment espace scholar peoveriste The Company sha nat be labiforench and every laimumder Saction-1 (oss fa damaga ta tre venice insured) of th Poly in orpac tthe fesislosttadin te schedule ‘Ths Plcy and the Schecls shall be ead soe Speen toch 2 ine atay a a he a 1, goce shal be gven in wring tothe Company imeneaatry upon hSoecurence of ary aciental loess" aamage the sven of oy mand tnereafer the sod shai ve sh suc inormaon ane ‘cattarce es the Campany shall require, Every Jeter Sim st Sommers and/or press ot copy treo shal be forwaried 0 he ‘Company mmecatly on race bythe sured. Nobce salsa be grenimtringto the compony mesa he nae nl ave ‘espact af any occurrence which may gv nie 8 a aim under this ole. In cate of thot or emi! ee when maya tha cane Climunderths icy the uted shal ge mmedierancet me dolonndco-sperate ith thecompanyin saurng te conwetion ot freorander 2, Wo diison offer promise payment or ndemnty shal be mace or Gen by oon Bena ofthe Insure mito the wren covson of {ha company wich sal be entes itso den esto tae Over and cbrduct nema the nsured edefene or seteman f 2m) aim orto prosacite the mame ofthe sured forts own banat Sry aun forindemnty oatherwise and shal have sore on {nd conduc any poceesings arin te setlement ol snycinm a 2 Intted salt ge a such Inormatan and ssanse a6 the Company may rege 3. The Company may a ts own option repair insta o esac the ‘venise arpa herent and/or ke acctsores or may pay nash the ‘rout ofthe iss or damage and te laity 2 tne Company Sha (@) for tl osseonstructive total 056 of te vice — tne Innueeds Oovared Valve (OV) of tne wehice (ncuding Sczassoros tiereon a specedin te Schedule less ovale Sttnewrece (2) forgings one than Tao Lose/Conutive Gnafor reparement af parts Tesusamaged. sublet to Sepreciaton spe mits pected 44. Thelhsurud aha ene a reasonable steps sfesuars the venice rom loss or domage andtg marneoin ei sticent conden one {Company sat havea il mes few a ful acres a xan te ‘Yeni o-any par threat or any arvero” armployee of te eared Inthe even fenyacsdent or reakdovm the vente shal rat be lef unatenaea without prope presutane being taken a prevent {Uther oamage’ a tsa Ene if te vente De van Sere the eceasry ‘ape ave ofacet any extngion ofa damege a Sy Ruther hres sa Pray he me Go 5. The Company may cancel te policy by sending seven daysnotie by "SeordegGolverytothensuiaa st roared’ st chown soars and 1k 5 further decor and egreed that forthe purpose of the Parsons! Acedem Usvertorsne ouners ner gettnd under thr e0iny the gare Damed rhe palcy wil satu fo be docrted the Swen deve Siblecuccasponce nt avviionsafthe ply eating cover Sve os this Endorsement expresaly rac that ating herein shal modi a affect ie rights or favioes of tha Insured oF te Insurer ‘espatevey under or mconnacon wien Pay. ‘Sjec cherie (othe terms exesptions conaons and mito oF IMT: 6. DISCOUNT) FOR! MEMBERSHIP OF RECOGNISED AUTOMOBILE ASSOCIATIONS. (Private Carsand Motorized Two Wheelers Only) 18 hereby understood and agraed tat in consiceration oF Insects mmembersn aft. stadiscamerapremum ate." inllowed’s thetnsureu hereunto neo 2s further understand and agfeed Wat the insured ceases co be a trenbar ofthe stove mentans® aseation dung te carancy ofthis Fy th sired al mmetey met tn Maurer scar oy and Subject choise to the terms extepionscondiions and imitations af the poly + For ful poly pera, the ful tar eseount to Senses For midtarn sremberhin prorat raprtan ofthe tari aun te sexored IT. 9, DISCOUNT FOR VINTAGECARS {Applicablete Private Carsoniy) sis erepyundersmedand agreed in cansdertion othe insures car fevingbcencertfea ona ntage Corby the Vintage an Casa Car Cal Finda, 9 dscount of. ons teaowed tothe insured trom of Subject otnwiee tthe arms excaptonecondtions ar niatons af cericaton a tgs Car rata poparton oa dour re {IMT, 1OTNSTALLATION FO ANTI-THEFT DEVICE” (Hot applicablete Motor Trade Policies) Spproved by Automabis Research AssovaiIn Sng (ARAN), Pune Mas Seen mstaled ne vehice sured herein premium ascoune oR 1s herby underso0d and agra ent the insured shal ensure at a imen tnat tis Ante devies nemleg nthe vehse sured ‘avtanas meizant coneion ithe exaryeftha pay. ‘Sunjoct therwiset the tarms, exceptions, contons and imitation of the aly ‘The name ofthe certlyng Automobil Assocation sto beingeted ** Premum discount calelated as per anf provision sta be inserted proparton oan dscouneor th nexpiad period nto be sera. IMT: 11, DISCOUNT FoR SPECIALLY DES«GNED/MoDrFTED VEHICLES ‘FOR THE BLIND, HANDICAPPED AND MENTALLY CHALLENGED PERSONS: erwestanarg anytvng tothe comrary conained in the poly Its [erchy understed tnd agreed tae he vei Insured being spel ‘exigned/meattedforusearsina,hendcapped and mental halenged parsons and table endarsementtothsefecchaving been compote ‘the Regstation Sook by ti Registering Authority count cf 0% ‘ntheown Damage premum forth Veh nsutadienereay aimed ‘Sunjectottemise tothe tars excopionsconatons and lestaons at theastey {MT 33, USE OF VENIELE WITHININSURED'S OWN PREMISES, (appicable to all classes except as otherwise provided In the onl " eis hereby understzod and agreed matte incur sal ot be lable ‘Fespact afta vahele neuregvinie the venice 2 bang wed Suowere ‘hain the euros’ prams aueept inne the wah Ge = speek ‘quiedocamisean tote ane Farthe purges ofthis endorsemant ee canine o own prams! hall ‘ane oven mupremns toch itches ree IMT 15, PERSONAL ACCIDENT COVER To THE INSURED OR ANY [NAMED PERSON OTHER THAN PAID DRIVER OR CLEANER (Applicable to private cars incluging titea wiealers cated 3 Private cars and motorized twa wheslers with or without side car Enottorhireor rewaral) {tn consideraton oft payment ofan deans! pcemium i seveoy Sureed ane undortecd. atthe "Compeny uadertaces PS Empsneation an te sea proeed bean far aol Natya hereinaee Sefined sustained by the sures arson In ect connec we Vehicisimsred of uth munch sod emoantng om er cet Vette sured and caused by volane scene avienal ard vee ‘ese whch nner of ye nae shal wi ea Details of njury toes oF 30 Tae ora oO Fe brone imp sndsantor eee {ip ess oF ane agne of ony 1w) PemareneToai Dsabamenttrom Injimsatharenan amas 3008 Provided alwayathat = (2). compensatin sal be payable under ony ane of the its (| Sbove in racgect of ny euch orn avsing” out of sy one Secirance ane. ality a tensor sal nx nthe agg epate feted tne surfs. -" dutng anyone ge"ed of esac = Fospectof ony nen aeeson (2) na compensation shall 80 payaole In resect of death or nr Grecty or ntvetiy wAbiy en pac ansng or resulting fom oF tracondita(o) reantonal elf jury sles or atsemares sues Diysca dele nfm 9° (b) an aedert happening wii se person sundes he nfuenee of ncueskng aac seats. (2) Such comsensation shi sa payabie oly with te approval of Ne IRoured named in the pley an rai to toe ned pars o° Fa/ter egal representave(e) erase recat hele fal stharg nraspeccotthelajuryoftuen arcon. Susjec otherwise tothe terme exceptions eonations and imate tispaey * Theceptal Sum inured (CS) per passenger to Bese IMT, 16.) PERSONAL ACCIDENT/TO UNNAMED PASSENGERS OTHER THAN INSURED AND THE PAID DRIVER AND CLEANER (For vehicles rated as rivate care and Motorized two wheclers Inottorhireorreward) mitharvithout side:ar) In cansieration othe payment ofan adstionl rams its hereby Undarstood an asrees tat Ue nurs uoetacea = pay comers on tie seas proved below for badly mjaras eehaher ceed Sleaines any sassenger ater ante nase andar te pid over Stiendarcorclasneranafors evson inte employ othe areca ng ‘minim the scope of the Warkmerts Compensation Act. 1823. ant Sihttyuee amenaaents of the sad Ace ane engaped ind pea the Sere ofthe nsuradat atime sah Dury isustanea hs outing ‘a, dam ueing fom oe avelingn but ot drwing te sed ake irad caused 9) Valent, stdettal extemal snd ible means hen independency any oer cause soa win three caencar ment ot ehneneurence couch ajay resale [ Details oF nury [ay tossertve unis rsigntoreno ares ‘Seonelimp ana sgnestone oe 100% | at cenioeat otetsanseer em] [ 8) Bearer Deabiementtron | Siittsstnrtmansamed soo10 Provided always that ¢ (UW) componsaton shale payable under anyone ofthe ems it () shove in respect of any sich person arsing ut of ny one Setanta ably ofthe wre dant a aareet® (2) 29 compensaton sna be payable un respect of death oF iiry Arecty or Indiectiywna'y orn part ing oF routing fom St ‘scent to (a tention snr iury sce ar atempend nese Diya deft or tay or) an ace dont oapaen aan Such Dereon 'sundertne uate orinrxiatng gad er dra (3) such compensation shat ne payable ony wit the appro of the Iteured named inthe polyana dry tote njred paren oF hain Inga cepresanatve(s) whose recat sha. Ges Rll Sehaege nconpac oftheir of uehpareo, (4) notimoretnan..*® prsons/passengers ae the vec sure Sttnetins atcccurence at sien info Subject ati tothe tars excaons eonations ane ieatens at * The Capt Sum insured (Cot) er passeneristabeinsrted, +s Tha registered attngapacty ofthe venieinsured isto be nseraa A tepsouns, secIDENT COVER YO PAID DRIVERS, CLEANERS AND CONDUCTORS a (Appicabieto allclasses of vencies) Understood pd agreed tet the nsurgr andere pay amperes nthe sie provided Deiow fr bagyy njury se herent defined Sistained by Oe pid drwer/deaner/eandactor inthe employ sf te ‘gertal suteral and wibla means hich naependenty ef ay ater Shsse shal wim so esendor moma of he eeccranc Oe nary vesuin | Seale of Compansation | Death oot I) Lsssof wo ibe oraightoftwo eves ‘Stenelimoand signtatonceye 10% T_toss fone imb orsiahton one eve 30% ‘v1 Permanent foal Deablement from Inhiresatertnannames Soave 100% Provided alwaysthat 1). compenastish shale poysbi andar avy ane fhe tems (tin) Shove in_respect of any sack Bets arieng out of sry one Secirrance an tat abity of he Rewarshal natin eheazgregete ‘Seta! the sum oe r= during ony one genoa naurance ‘spect anysuen perton (2) no compensation shall be payable In reenect of death of injury Srey &inarewiy wholy oe maar ating or reeling fom oF (raceabie (2) tention! suf ur sides or attempted sige pysea cect orimity 0” () 38 Seeder appening whist auch Dotson cer theinfuencaineeangliqoror droge (3) Suc compensation sna be gayzble ony withthe approval af the insured mama in the poison eet to tenured erson OF ‘diner legal representativeds) whose recat shall be fl Subject omerwise tothe tems exceptions condions are limitations at * The Canea! sum insured (CSI perpersanietSbe nerted IMT. 38. PERSONAL ACCIDENT TO UNNAMED WIRER AND UNNAMED BILTON PASSANGERS: ‘Applicableto Motorised Twow/heelers with or without Ge ar) In consideration ofthe payment ofan atonal premium ite nereby| Understood ond aprend tate neue undertakes a poy cormpersason UG'Sny unnamed her) érverfany une edplion/ seer oacenger" an tha seal prawded below for baa jury caused by aent nents “ternal ond visbie mennewnisemauntng mto/ontoand/or Samat from or tmvsing nfan tse vencle are when inepenaenty 331 ‘ther cause sal withintives calendar month af he Seer of sh Detail of injury [etn 1) Lows oft ims sight ofa yes trone imbanasgneatoneeye 00% 1) Loesot ene imBoraghtoroneaye 50%, IN) Permanent Tota Dsablement om inuranovharshanamed s90¥8 100% (1) Compensation sal be pyabie under only ne ofthe tems 2) ‘oven fespedt of any such person aniing out of Ny ene ‘Sceuranee ana eta labatyafthe neuer shai ntin te oBgregate ‘xeawate sun af" gurng anyone peed oF nour Ib ‘espectofany sun perso. (2) no comeensauen shall ve pryable in respect of death or sry acy ar ndcmiy lily etm pare araing oF resulting for oF ‘Wacoahie to (a) nteritona sa Injury suc or aempted slo Sryses dot orn mty or (0) an Seeder happening wise ue Fateon's coder the nfuonce of intoncatoghgua’ Sa (2) sxc compensation sai be payable ony ih the approval ofthe Insured rama inthe poly end direct me iyured erson oF Ie/ner lava representative) nose ‘ocabt Shall Ua. 8 Tul Osthorge nvepecsoFtne muy ot susmpuean (4) not more than... persona/passengers are i he vehicle inure at Ihe ime of ccurencese suen jury Sables terse to eet {xeeotlons ondltonsanatinotns Fem Icy + Oalete PA, cover for unnamed ian/sid ar assenger isnot akan ++ The apical Sum insured (CSt) per pestenger is tobe sere {Mr, 19: COVER FOR VEHICLES IMPORTED WITHOUT ciIETOMS our a Noonestansing anything tthe cantar contain i tae poy hereayuncreto and agreed thet in te eve 3 ear corns Ten vehi inured afore sewseores necessitating the Supply as part ot atanabia om stocks hetain te county m whieh he vehicles [Bhaldterspsiraritee evento the nau’ exarcsing theater uncer

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