Auto Auto \2cvire area PRIVATE CAR PACKAGE POLICY Whereas the Insured by «proposal and declaration dated as tated in the Schedule which shall be the basis of this contract and is deemed co be incorporated herein has applied ro TATA AIG GENERAL INSURANCE COMPANY LTD. (hereinafter called the Company) forthe Insurance heteinater contained and has paid che premium mencioned in the Schedule 5 consideration for such Tasurance in respect of acidenta loss or damage occurring during the Period of Insurance [NOW THIS POLICY WITNESSETH: “Thar subject to the Terms Exceptions and Conditions contained herein or endorsed or exprested hereon! SECTION I- LOSS OF OR DAMAGE TO THE VEHICLE INSURED 1. The Company will indemnify the Insured agains loss or damage to the vehicle insured hereunder and/or its accessories whist thereon: (by fire explosion selFigntion or lighting: (i) yburglary housebreaking or thet (iid) by ioe and strike: Gv) byeearthquake (Pte and Shock Darmage); (¥) _by-flood typhoon hurricane storm tempes.inundtion cyclone hailstorm frost: (9 yaccidental exeinal means (vil) by maliciousaex; (oi) by teres acivies (Gx) whilst in transit by road rll inland -warerway if elevator or air () —_bylandiide wockslde Subject toa deduction for depreciation ac the aus mentioned below in respect of pars replaced 1,_Forall rubber /ayloniplasic parts, yrs and tubes batters and airbags 30% 2. For fibre gas: components 30% 3._Forall pans made of ghss Nil “4. Ratz of depreciation forall cer par including wooden pata will ew per the following schedule AGE OF VEHICLE ‘9 OF DEPRECIATION Not exceeding 6 months Nil Exceeding 6 months but nat exceeding 1 year 5%, Exceeding 1 year but not exceeding 2 yeas 10% Enceeding 2 years bur nor exceeding 3 years ry Exceeding 3 years bue not exceeding 4 years 2594 Exceeding 4 years bur nor exceeding 5 years 359 Eaceeding 5 years but ror exceeding 10 years 0% Exceeding 10 yeas 50% 2, The Company shill not be Table o make any payment in respect of G2) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, lures o breakages () damage co «pre and tubes ules the vehicle is damaged a the same time in whieh case ee iabiley of te Company shall be Limited t9 50% ofthe cose of replacement. and (6, any accidental loss or damage suffered whilst che Insured or any perion driving the vehicle withthe knowledge and consent of the Insured is under the inucnce of ineoxicacing liquor or drug Tata AIG General Insurance Company Ltd Corperate Office: A501, 5t ocr, Buti No. nny Par, Gon A. K. Vda Marg Dindoehi, aid Exct, Mumba 400007, Registered Offs: Forinada Corpor Pr, Nenoes Paral Tower Oh our GX. Marg, Lower Prak Mumibs-400 012. ‘Ores also a: Bargabe, Chand, Delhi yeaa, Koha.3. In the event of the vehicle being disabled by reason of loss or damage covered under this Policy the Company will bear the reasonable cos of protection ad removal tothe neazes repairer and redeivery tothe insured bu not exceeding in all Rx. 1500/-in respect of ‘ny one ecient, 4, ‘The Insured may authorise the repair of the vehicle necessitated by damage for which the Company may be lisble under ths Policy provided that (a) the estimated cost of such repair including replacements, if any, does not exceed Rs. 500) [b) che Company is furnished forthwith with a dewied ecimate ofthe cost of reais and [c) the Insured shall give che Company every asistance to sce that such repair is necessary and the charges are reasonable. SUM INSURED ~ INSURED'S DECLARED VALUE (IDV) ‘The Insured's Declared Value (IDV) ofthe vehicle wil be deemed to be the'SUM INSURED’ forthe purpose of tis Policy whichis ixed atthe commencement of cach policy period forthe insured vehicle The IDV ofthe vehicle fae accessories if any fitted tothe vehicle) i tobe fixed on the bass of the manufacturers listed selling price of the brand and model as the vehicle insured a the commencement of insrance/renewal and adjusted for depreciation (s pe schedule below “The schedule of age-wise depreciation as shown below is applicable for the purpos: of Total Loss(Consructive Total Loss (TLICTL) daims only. “THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE AGE OF THE VEHICLE ‘% OF DEPRECIATION FOR FIXING IDV ‘Nor exceeding 6 monthe 50% Exceeding 6 months but noc exceeding | year 15% Exceoding | year but nor exeeding 2 years 20% Excceding 2 years but nor exceeding 3 years 30% Exceating 3 years but not exceeding 4 years 40% Exceeding 4 yeas but nor exceeding 5 years 50% IDY of vehicles beyond 5 years of age and of obsolete model of vehicles (i. madels which the manuficrares have discontinued to manuficture isto be determined fon the biss of an understanding between the insurer and the insured. IDY shall he ested asthe ‘Marke: Value’ throughout the plicy period withour any further depreciation forthe purpose of Toral Loss (TL/Constructive Toxal Loss (CTL) chims). “The insured vehicle shall be weaved as a CTLif che aggyegate cost of retrieval and/or repair of che vehicle, subject co ceums and condltions of the policy, exceeds 75% of the IDV of the vehicle, ‘SECTION IMLIABILITY TO THIRD PARTIES 1, Subject tothe limi of lability a laid down in the Schedule hereto the Company will indemnify the Insured in the event ofan accident caused by or arising ‘our ofthe use of the vehicle against all sins which the Insuted shall become legally lable vo pay in respect of (death oF orbediy injury to any person inchuding accupans carried in the vehicle (provided such occupants are not cartel for ite or rowanl) bur except so faras iis necessary to meet the requirements of Motor Vehicles Ace, the Company shall not be lable where such death ot injury arses out oF and in the coutie of the ctnployment of auch person by dhe imured. (i) damage wo property her than property belonging tothe Insured or hed in trust or in the custody oc conttol of the Insured. 2, ‘The Company will pay all costs and expenses incurred with its writen consent. 3. Inserms of and subject o che limizations of the indemnity granted by thi section tothe ineuted, che Company will indemnify and driver who i driving the ‘chicle on the insureds onder or wih insureds permission prosided that such driver stall as though he/she was the insured observe Fulfil and be subject co the Terms Exceptions and Conditions ofthis Policy insofar as they apply. 4. Inthe event of the death of any person entitled ro indemnity under this Policy the Company will in respect ofthe ibility incurted by such person indemi higher perconal representative in terms oF and sabjece to the limitations ofthis Policy provided that such personal reprecintative shall ax though such represtratve was: che insured observe full and be subject 0 che Terms Exeeptions and Conitions ofthis Poliy in so far as they apply 5. ‘The Company may as is own option (A) anrange for represenation at any Inquest or Fatal Inquiry in respect of any death which may be the subject of idemnity under this Policy and {B) undertake the defence of proceedings in any Court of Law in respect of any ac or alleged offence caus ‘or tlating vo any event whieh may be the subject af indemnity under this Policy AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY [Nothing in this Policy or any endorsement herson shall affect the ight of ny petion indemnitied by this Policy or any other person to recover an amoune tinder or by vienae ofthe provision ofthe Maser Vehicles Act. Bur the Insured shll repay o the Company all sums paid by the Company which the Company would not have been liable co pay but forthe std provisions,APPLICATION OF LIMITS OF INDEMNITY In he event of any accident involving indemnity co more than one pewson any limitation by the terms ofthis Policy and/or of any Endorsement thereon of the amount of any inderanty shall apply tothe aggregate zmouat of indemnity toall persons incemaified and such indemity shall apply in prioety tothe insured. SECTION Ill PERSONAL ACCIDENT COVER FOR OWNER-DRIVER The Company anderabes ta pey compensation ar per the fllowing scile for bodily injuryideath sintsined by the owner diver ofthe vehicle, in direct connection wich the vehicle insured oF while deiving oF mountingint/dismounting from che vehicle insured or while travlingin i es eo driver, caused by violent tecidcoeal exereal and viable sensu which indopendent of any ther crue lull wishin si calendar onthe of auch injury eel in ‘Natu of injury Saileof Compensation @ Daan 10096 Lis of wo Timbs or ight of wo ors o ne linband ight ofone ge {00% (i) Lows oF one limb or aight oF ene ye 500% (i) Pemanc oaldsablenens fom iejues other than named above 10056 Provided always that A) compensation shall be payable under only ene of the items (i) to (jv) above in respect of the ownerdhiver arising out of any one occurrence and the woul Tiabiiy of che insurer shall noc in che aggregate exceed the smn of Rs, 2 lakhs dung any cne period of insrance. B) no compensation shall be payable in respect of death or bodily injury ditecly or inirecly wholly ori pare arising or resulting from or traceable to (1) ineentional sl injury suicide or attempted suicide physical defece or infiriey ot 2) an accident happening whilst sich person ie under the influence of invoricating liquor or druge ©) Sach compensation shall be psysble directly to he insured or to his/her legal representatives whose receipt shal be the full discharge in respect ofthe injury to the insure. ‘This corer is subject to (8) theowner-drver isthe mister cwner ofthe vehicle insured herein (®) the owner-drier is the insured named inthis policy; (6) _ the ouner-driterholde an fective driving license, in accondance with the provisions of Rule 3 ofthe Central Motor Vehicles Res, 1989, the time of the secident GENERAL EXCEPTIONS — ‘Applicable ro all Sectione of 1Phe Company shall not be liable under this Policy in respect of 1. Any accidental loss or damage andor liability caused ussained or incurred outside the Geographical Arca: 2. Any chim arising out of any contractual lability: 3. any aceidental low or damage and/oe liabiley caused sustained or incurred while the vehicle inoured hens ia (@)_ being used ocherwise than in accordance with the Limiazions sto Use' or (0) bing devon by 0s for the purpose of being driven by hither in she charge of any person acer dhan « Driver anstated ia the Diiver's Clause: 4, (i) Any accidenal ss or damage to any property whatsoever or any lost or espense whatsrever resuking or arising there ftom or any consequential loss (i any Uabity of whatsoever aanute directly or inivecdly aused by or conceibuced «0 by or arising ion ionising adavions or contaminacon by radioactvity fom any nudear fuel or fiom any nuclear waste fiom the combustion of nuclear ful. For the purpese ofthis excxprion combustion shall, include any selfusaining proces of nuclear fission; 5. Any accidental los or damage or lability directly o idizeely caused by or contributed toby oraising fom nuclear weapons material 6 Anyaccidemal loss or damage and/or lability diveely or indirecly or proximatey or cemocely occasioned by contibated to by or traceable wo or arising out ‘ofr in connection with war. invasion, the act of foreign enemics, hostilities or waslke operations (whether before or ater declaration of wat) Gv wat, muting rebellion, military o usurped power or by any director indirce consequence of ay of te said occurrences and inthe event af any claim hereunder the insred shall reve tha the acidental lee or damage andlor licblity arose independenely af and was in no way connected with or occasioned by ar conaibuted toby or tacrable co any ofthe sa occurrences or any consequences thereof and in default of such proof, the Company shall net be Kable to take any payment in respect of sich a cnn. DEDUCTIBLE ‘The Company shall not be liable foreach and every claim under Section - I (loss of oF damage to the vehicle insured) of this Policy in respect ofthe detciible state inthe Schedule. CONDITIONS ‘This Policy and the Schedale shall be read together and any word or expression to which a speciic meaning has been atached in any part ofthis Policy ‘or ofthe Schedule shall bear the same meaning wherever st may appeat 1. Novice shall be given in writing to the Company immediately upon the eccurtence of any accidencal loss or damage inthe event of any claim and thereafecrthe Insurcd shall give all such informarion and asistance asthe Company shall requir. Every lener chim write summons andlor proces or copy thereof shall, Ie farwatded to she Cormpany immediately on receipt by the inated. Notce shall alia he given in weishg ta the Campany inmediseely the Inca shall have knowledge of any impending Prosecution, Inquest or Fazal Inguty in respect of any occurrence which may give rise w 2 elim under this Policy. of thet or criminal act which may'be the subject ofa claim under this Policy the Insured shall give immediate notice to the Police and co-operate wich the ‘Company in securing the conviction of the offender. 2. Noadmision afer promise payment or indemnity shall he made or given by ron belf ofthe Lnsured without the writen consent af the Campany which shall be enced Insured for its own benefit any claim for indemnity or otherwise and shll hare full discrevon in the conduct of ary procesdings or in te settlement oF any aim and the Insured shall give all sch information and asieance asthe Company may roqurs sw desires to take over and cont in che name ofthe Inured the defence or selement of any claim ort prosceace inthe nate of the 3. The Company may arite own option repair reinstate or replace the vehicle a part thereof andlor is accesories or may payin cah the amount af the oss ‘or damage and the habiliry of the Campuny shall ne exceed for toal loss J consructive tolls of the vehicle the nutes Declared Valve (IDV) of the vehicle (including accesories thereon) as specified in the Schedule es the vakie of the wreck, (©) for partial losses, ie. losses over than Total Loss/Constrctive Tora Loss ofthe vehicle - acual and reasonable cost of repair andlor repheement of parts low/dainaged subjece to deprociation as pr limits specified. 4A: ‘Theinmused shal ace all reasonable steps no safepused the vehicle from lee or datnage and to asintain icin efficient condition and dhe Company sal have at al times free and fll zccess ro examine the vehicle or any par: thereof or any driver or employee ofthe insured. Inthe event of any accitent or breakdown, the ‘chic shall not be lef unattended without proper precautions being taken co prevent further damage or los and ifthe vehicle be driven before the necessary rpsts are fected any extension ofthe damage or any farther damage to the vehicle shll be ensitly atthe insureds own risk 5. The Company may cancel the plicy by sending seven days notice by recorded delivery to the insured at ineure’s last known address and in such event will recur tothe insured the premium paid les the pro rata portion thereof for the period the Palcy has besn in force or the policy may be canceled ac anytime by the insured on seven days’ notice by recorded delivery and provided no claim has arisen during the currency ofthe policy, che insured shall be entitled w 3 Init been fs Free, Retr ofthe premium by the Company will ‘turn of prrtum la prentum ot the Compaiy's Shoet Pecod rates foe the pared the Polley be subject to retention ofthe minimum premium of Rs, 100)- (or Rs, 25/- in respect of vehicles specifically designed/modifed for we by Liind/handicapped/ mental challenged persons). Where the ownership ofthe vehicle is transferred, the Policy cannot be cancelled unless evidence thar the vehicle is insured chewhere i produced. 6. Wacehe dime of eccurtence ofan even that gives rite to any claim under cis Policy there ie in existence aty other insurance covering the ame libily, the Company shall not be Hable vo pay or eoniibuve move than is rateable proportion of any compensation, cost or expense, 7. any dispute or difference shall arise as © the quantum to be paid under this Policy (ability being odherwiseadmited), such difference shall independent of ail other questions be referred ro the decision ofa sole arbitrator vo be appointed in writing bythe partes to the dispute ori they cannot agree upon a single avbierstor within 30 days of any party invoking Arbitration, the same shall bereerred toa panel of three asirrzors comprising two arbitrators one t0 be appointed by cach of the paris to the dispute /diference, and 1 hind arbitrator co ke appointed by such wo arbitrators who shall act as che presiding, arbitrator and Arbitration shall be conducted under and in accordance withthe provisions of the Arbitration and Conciliation Act, 1995. Ie iscleary agreed and understood tha no difference or dispue shall he referable to Arbitration as hereinbefore provided, i the Company has disputed or not accepted liability under or in respect ofthis Pe Ieisherchycxpresly sipslted and declared that isha he contin precedent to ary sight of actin ost po tis Policy thatthe award by such scbicatod arbitrators of dhe anount of the lm or dannge sal be se obtained, Ieinabo hereby far exprndy ages snd decd that ithe Compa sll sda ity wo he imal foray elas ereasder an cs ai ball so, within tele calendar months fom the dat of such disclaimer hae been male the subject mater ofa uit in a Court of La, then dhe eli shal fr all truroies be deemed to have heen shandaned and shall not thereaer be recoverable hereunder. 8. The due observance and fulillmen: ofthe Tents, Cention and Endorsements of this Policy so fa as they relate ro anything tobe done a complied with by theinred and the with ofthe statements and awersin che sid propos shall be condiions precedent co any lability ofthe Company co make any payment under tis Policy. 9. Inthe een of the death ofthe ole insured, ths Poiy will ot immedacely lapse but wll main va for a period of thre months from the date of the deat «insured er unl dhe expiry of this Policy (whichever ier. Dung the a period, egal heir) of the insured t9 whom the custody and use ofthe Moxor Vehicle pases may apply to have this Policy tansered to the name) ofthe hee) or ebatn anew insurance poi fee the Motor Vehicle. ‘Wher such legal hei) dese) co apply for easier ofthis Policy or obuin a ne ply fr the vehicle sch his) sould make an application to che ‘Company accordingly within the aforesaid period, All such applications shoud be accompanied by: a) Death Certficace in respect ofthe insured by Proof of tee eo the vebide ¢) Oniginal Policy.arty AIG INSURANCE AutoSecure Endorsements (arched ro and forming par of Pokey) (Applicable w Private Car /Two Wheelers Pic) WITH YOU ALWAYS IMT 5, HIRE PURCHASE AGREEMENT Ieishereby understood and aged that... hereinafter ered tos the Owes (refer Policy Scheie] ate the Owners ofthe vebicl insured and that she vehicle inured is subject of an Hire’ Purchae Agreement made beeween the Owners onthe one pat ad the nsdn che other part and itis her understood nal agreat thatthe Owner ae iteresed in any mares whic but for hi Endorument would be payable to he nse under this Palen respect of ach less eenge to he veiled caret be ce go ky repair and/or spleen f pa snd ach menler shal be pei eo the Onna longo they are she Overt ‘of therein ar dcr ee shal be ill i ln charge to the inure espe of ech ow e age [eis futher declared and agreed that fer the pupoe ofthe Pera Accident Cov fr the avncr- diver rared unde this Policy, he insured named in the Policy willconrinue tobe deemed a the owner-iver subject o compliance of provisions ofthe Policy relang to this cover, Save aby this Endonemensexprnly seed nothing herein shall ody office the right an Lables ofthe nse or she nae sexpectvly ander on sonncaion with his Paley Subje: erie othe ermsexceptienscovdions an limitations ofthis Policy, IMT 6. LEASE AGREEMENT Ieishrchy undentoed snd ated Sat etinfter refered ay the Las (fer Policy Schaal] ate she Owns ofthe vehicle inured and ehache ‘chile sues the subject os Lease Agreement made berscen the Lesor onthe ore fart ad the insured on dhe other pacts is Farer uedestod ad agreed ‘hat che Lesion ate intersted in any monies which but fr sis Endorsement weuld be psyaleto the insted under this Ply in respect of sco damage to the ‘bie ieee at caf ic geod by epi nd rpc of patron wich mois al id the Los lig he ar the Owner ofthe eich, Insured an thr scp shall bea fll an fal dacarge wo the insu a espe ch ls or damage. I alo understood and agiced har worwihsanding any provision in the Leasing Agreement to he contry ths Policy issued to the insted nam... (fer Policy Schedule the principal pany and no as agent or ruseeand aohing her comabed stall beconsrued 3 consittig the inured an agnor uses forthe Lesions o 2 ax asipamene (whether eal or septal) by the narod tothe Leon, hit ight bento and clan under this Policy ad hrther nothing hatin sal be contd a cresting ot ves fn the OwnerLessor to se the insurer in ay espacty whatoover Fr any alleged breach af ts obligations hereurde. [isfurther dedared and agreed that forthe purpose ef the Pesotal Accident Cove forthe ove diver rated unde ths Flicy the msured aed inthe Policy wil ontine tobe deemed as the owner-riee subject o compliance of provisions ofthe Pobcy reaing co this cove. Save asby this Endorsement expres agreed nothing erin shall myo affect the rights ara Lables ofthe insured or she inser respectively ander in sonnei with his Poy, Subjes here othe ems excepsens corlions sa linitaions of chi Pole. IMT 7. VEHICLE SUBJECT TO HYPOTHECATION AGREEMENT Ieishereby dele snd area that the vehicle insured i pled te Pbypaected with venereal oa the "Plage" (reer Peli Schedule) andie's further undenecod and agreed thr the Pledge interested in any monies which bu fr this Endercment would be payable tothe sated under this Plicy in expec of sch ls or damage to the vehicle insure ax car be mae go by rep ano replacemencof pats and sich mons shall be alr the Pledges a ongasthey are the lds of he vice sre and thir ep shal be fll nd final charge to the fuer in espe of sch las o damage. Ie ister declared snd agreed that Fr the purpove ofthe Pesotal Accident Caer fer the onmer- diver granted under this alc, the nar ramen he Palicy sel cathe to be denned othe oyner- deer eject compl of prviions the le elaing tn ts crs “ike Save asby tis Endonerert expres seed that nothing erin shall modify or ae: the nights or Hablities othe Imus che Isr respectively ne in connection wit his Poly oan ter, rossion or condion ther. Subj here she terms except coelone and limitations af thi Plicy IMT 15, PERSONAL ACCIDENT COVER TO THE INSURED OR ANY NAMED PERSON OTHER THAN PAID DRIVER OR CLEANER| (Applicable wo private care including three wheelers rated as private cars and motorized two wheelers with or without side ear [not for hire or reward) In consideration of the payment of an adecions premium itis hereby agpced and undersood thatthe Company uiderakes co par comperstion oa the scale vida el fr ody injury a8 hereinafter dined satan bythe ins pena inde cannecio with che whic nae or whit mounting and ‘Seer fv er tring veh ved nd cae balancer ceed nd vice ei whe independent nf sy ener oan al wae calender mutha of te wea of eh jury wade Details of Injury Seale of TTT Death 4) Loss of two limbs or sight of two eyes ‘or one limb and sight oF ane ge 100% ii) Loss of one limb or sight ofone oe 5098 'v)_ Permanent Total Disablement Fom injuries chee than named howe 100% Tata AIG General Insurance Company Ltd. Coporte Os: Ahura Cee hoy, 82 Maal Cars Read Ae (2), Meal 4093. igh Orie: Bombay Hue, 24, Hon Mody st, Mab 400001)Provided always that: (1) compensation shall be payable under only one af the ier) () above in rxpect of any such person arising eat of anyone accurrence and total liable ofthe insurer shall noe inthe aggregae exceed the sam of Pl... “(refer Policy Schedule) during anyone period of insurance in respect oF any auch pias 2) mocompensaion shall be payable in respect of desth or injury ditecy or indirectly wholly o in par arising 0 resuling from or raceable (3) intentional selfinjary sic or awempted skid physica defector infiemiy or (b) an aceitent happening while such person is under the influence of Jncoxicating liquor or rus. (9) such compensation shall be payable only withthe approval ofthe insured named in the Policy and directly to the injured person or hsvher legal representative(s} whose receipt shall bea full discharge in respect of the injury of such person ‘Subjec otherwise co the terms exceptions conditions and limitations ofthis Policy. IMT 16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS OTHER THAN INSURED AND THE PAID ORIVER AND CLEANER {For vehicles rated as Private cats and Motorised two wheelers (aot for hire or reward) with or without side car) In consideration ofthe payment of an addtional premium it is hereby undersoed and agreed thatthe insurer undertakes to pay compensation on the scale provided below for bodily injuries hetcinafer defined sustained by any pasenger other than the insured and/oe the paid driver atendant ‘or deaner and/or a person inthe employ ofthe insured coming within the scope ofthe Werkmen's Compensation Act, 1923 and subsequent amendments ofthe sad Act and engaged in and upon the service ofthe insared a the time such injury i sstained whilst mounting int. ismounsing fom or eraeling in ee ianured moxor car ane! caused by volen, accidental, external and visible mcans which independently of any other cause shall within thee calendar months of the occurrence of such injury cesult in Dells of Tjury Seale of i) Death comer ii) Loss of ewo limbs or sight of rwo eyes ‘orone limb and sight of one exe 10004 ii) Loss of one limb or sight of one eve 5006 iy). Permanent Toul Disablement from injuries other than ramed above 100% Provided always thas (1) compensation shall be payable under only one of the items (ito (it) above in respect of any such person arising out of anyone occurrence and rot liability of the insurer stall not in she aggregate exceed the sum oF Rs..." refer Policy Schedule) ding anyone periad of insurance in respect oF any such person 2) no compensation sll be payable in respec of death or injury ditecly or indirectly wholly or in par arising or resulting from or raceable to (a) incentional selfinjury suicide or artempted suicide physical defector infirmity of (b) an accident happening waist such person is under the influence of intoxicating liquor oF drugs (3) such compersation shall be payable only with the approval ofthe insured named inthe Policy and directly to the injured person or hisvher legal represetatve(s| whose receipt shal be all discharge in respect of the injury of such person. not more tha... (eer Plicy Schell) perins/ passengers ae in the vehicke insure tthe time af aceanrence of such inuy. Subject otherwise the terms exceptions conditions and limitaions ofthis Folic. +The Capieal Sum Inaired (CSI per patenger ero he inserted "The registered seating capacity ofthe vehicle insured is to be inserted. IMT 17. PERSONAL ACCIDENT COVER TO PAID AND DRIVERS, CLEANERS AND CONDUCTOR In consideration ofthe payment ofan additional premium, itis hereby understood and agreed tha the insurer underakes ro pay compensation on the scale provided below for holly injury as hereinafter defined sustained by the pad driver/cleaner/concuctor in the employ ofthe insured in direct with che vehicle Invurd whilt ousting into dimourting fom or saveling inthe insured vehicle and caused by violent acidenwal external and visible meats which independenily of any other cause shll within sx calendat months of che occurence of suc injury resulcins Dena of Injury Seale of i)_Deah nro 1) Loss ofewo limbs or sight of two eyes ‘or one limb and sight of one exe 100% Ii) Loss of one limb or sight of one eve 50% 1x). Permanent Toral Disablement from injusies other than named above 100%Provided always that: (1) compensation shall he payable unser oaly one ofthe items (i to (iv above in respect of any such person aising out oF any one occurence and tora liability ‘of the insurer shall nor in the aggregate exceed the sar of Ri * (ele Policy Schedule} daring any one period of insurance in respect af any sich petaon, (2) no.compensation shall be payable in respect of death er injury dcectly or indirety wholly ori part arising or resulring from or traceable to (a) intentional self inary suckle or attrapted suicide physical defector infirmity or (b) an acideat happening while sack peron is under she influcnce of imosicating liquor or drugs (©) such compensation shll be payable only with the approval ofthe insured named inthe Policy and diecly to the injured pesson or hislher lal representative () whose receipt shall be afl ischarge in respect ofthe injury of such person. Subject otherwise w the terms exceptions conditions and Knitations ofthis Policy The Capital 8 1m Insured (CSI) per person is to be inser IMT 18, PERSONAL ACCIDENT TO UNNAMED HIRER AND UNNAMED PILLION PASSEN| (Applicable to Motorised Two wheclers with or without side Cat) In considetation of he payment of a adivional premium itis hereby andetstood and agreed that the insurer undestakes wo pay compersation 1 any unnamed hirer! driver any unaamed pillion/sideca passenger” on the scl provided belo for the bodily injury cused by violent, accidental, external and visible means whilst mounting ina! onto andlor dsmouneing from ot taveling inion the vehicle insited which independently of any other case shal within thee calendar months ofthe occurrence of aach injury revuk in ‘Details of Injury Seale of Compensation )_Deaih 100% i Lossof wo nbsor sight of ro eyes corone limb and sight of onc eye 100% Fi) Lows of one Hn o sight of one re 500% 19) Permanent Toul Disablement from injusies oe: cha earned above 100% Provided always tha (1) compensation shall be payable under only one ofthe items @) to (iv}above in espect oF any such person arising out of anyone aecurtence and total Tibility cof the insurer shall nor in the aggregate exceed the sum of Rs (refer Policy Schedule) during any one period of insurance in respect of any sich person, 2) no compensition shall be payable in respect of death or injury dite o:indicectly whelly oF partarising or resulting fiom oe waceable vo (a) intentional self injury suicide or attempted suicite physical defector infirmity or (b) an accident happening whilsc such person is under the influence of intoxicating liquor or drugs. 13) such compensation sll he payable only with the approval of the insured named inthe Policy and dieclyto the injured person ot hither legal epresentarive(9) whose receipt shal be a fll discharge in respect ofthe injury of such person. (4) not more shan... persone/patsenger ate inthe vehicle ited atthe time of eecurtence of such injuey Subject otherwise ro the terms exceptions concicions and limitations ofthis Policy. * Dideteif 9:4, core Ba watamed pilin lide car prone not ahen, ** The Capital Sum Insured (CSI) per pasenger is o be inserted. IMT 19, COVER FOR VEHICLES IMPORTED WITHOUT CUSTOMS DUTY [Noxwichstanding anything tothe contrary contsined inthis Policy itis hereby understood and agreed that inthe event of lessor damage co the vehicle insured anelor its accessories necesitating the supply of a part not obtainable from sincks held inthe county in which the vehicle insared is held far repair or in the event of the imucrexceising the option under Condition 3 for Pivate Car and Coralition 4 for Two Whesler Policy to pay ia cash dhe armours of the loss or damage the liability ofthe insurer in respect of any such pat shall be limited to: @) (the price quoted in the latest catalogue or the price list issued by the Manufacture or his Agene for the county in which the vebicl insured is held for repair less deprecation applicable: oR (il) io such catalogue or pricelist exss the price lst obtaining ar the Manufacturer's Works plus te resonable cos of transport otherwise than by air 10 the country in hich the whicle insured is eld for repair and theamount of the relative import duty les deprecation applicable under the Palicys and (b) the reasomble cos of fiting such pars, Subject otherwise to the cerms conditions limitations and exceptions of this Policy. IMT 20. REDUCTION IN THE LIMIT OF LIABILITY FOR PROPERTY DAMAGE leis hereby understood and agreed that noewithstanding anything to the contrary contained inthe Policy the insurers lability i limited vo Rs. 6D00/- (Rupees six thousand onls) for damage to propery other than the property belonging tothe insured or held in tse ein ctisady or contol of the insured In consideration of this reduction inthe limit of labiliy a reduction in premium of Rs. 100 for Private Cars & Rs. 50/- for Two Wheelers i hereby made ro the insured ‘Subject otherwise to the terms conditions imitations and exceptions ofthe Policy.IMT 22. COMPULSORY DEDUCTIBLE (Applicable to Private Cars, three wheelers rated as private cars, all motorized two wheelers) Netwichstanding anything vo the contrary contained inthe Policy ic is heteby understod and aged that the insuted shal bear under Section T ofthe Paicy in respect of each and every event (incldting event giving risen a rral lossonstmctve total Ins) the Fre Rs... (ef Policy Schedles) (or any ese ‘expenditure which may be incurred) of any expenditure for which provision has been made unuer this Policy and/or of any expendiute by che insurer in the «exercise of his discretion under Condition no 3 for Private Cary Two whecler Policy. Lf the expendicureincurced by the insure shall include any amount for which the insured is responsible hercurdet sack amount shall be repaid by the insured to the inser forthwith, For the purpose of this Endorsement the expresicn "event" shall mean an event or series oF event arising out of one cause in connection with the vehicle insured in sespect of which indemnity i provided under thie Palicy Subject otherwise 0 she tems conditions limitations and exceptions ofthis Policy. (0) insert amount as appropriace to che clans of vehicle insured as per GRAD ofthe tail (din respect of vehicle rated under the Tariff for Private Car and in respect ofa motorised two wheeler not carrying passengers for hine or reward, if any dleductiblein aldiion t the compabory deductible provide in this eadorscment is voluntarily borne by the innate, che sams representing the aggregate of the ‘compuliory and the voluntary deductibles i to be inserted, IMT 24, ELECTRICAL / ELECTRONIC FITTINGS (tems fitted in the vehicle but not included in the manufacturer's listed selling price of the vehicle - Package Policy only) In consideration of the payment of addtional premium of Rs... fer Policy Schedule) notwithstanding anything to the contrary contained in the Policy i is hetshy understood and agreed thae the insurer will indemnify the insured agains loss of or damage to sich clectrisal and/or lectonic fing) ae specified in the schedule whilst iu/these ilae ted in or on the vehicle insured where such loss or damage is accasioned by any of the perils meationed in Section 1 of the Poliey, The insurer shal, however, not be liable for loss of or damage to such firings) caused by/asa result of mechanical or electrical breakdown. Provided always thatthe lailcy of che insurer hereunder shall not exceed the Insured s Declared Value (IDV) of the item. Subject otherwise ro the erms conditions li ins and exceptions ofthis Policy IMT 27. LIABILITY AND FIRE AND/OR THEFT Notwithstanding anything to the contrary contained inthe Policy itis hereby understood and agreed the Section T of the Policy dhe insurer shall not be fable thereunder except in respect of oes or damage by fre explosion calf ignition lightning and/or burglary housebreaking theft and roe tre malicious damage terrorism son tempest flood inundation and earthquake perl. Subject otherwise wo the tems conditions limitations and exceptions ofthe Policy. NB. (i) In case of Liabiiry and Fite Risks only, the words “burglary housebreaking theft” are tobe deleted NB. (i) In cae of Lsbility and Thefe Risks only, the words ‘Gre explosion slFigaition lightning vie serike malicious damage tetossmy stocen temps flood inundation and earthquake pers” ate co be delete. IMT 28. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF INSURED VEHICLE In consider fon ofan additional premium of Rs. 25/- notwithstanding anything to the contmry contained in the Policy itis hereby understood and agreed ‘hat the insurer shall indemnify the insured against the insureds legal ability under the Workmen's Compensation Act, 1923, the Fatal Accidents Act, 1855 ‘or at Commen Law and subsequent amendments ofthese Acts prior tothe date of this Endorsement in respect of personal injury to any paid driver anor ‘conductor and/or cleaner whilst engaged inthe servis of the insured in suck oseupation in conncetion with the vehicle insured herein and will in addition be responsible forall costs and expenses incurred with its writen consent Provided always that: (1) this Endorsement docs not indemnify the insured in respect of any Habiity in cases where the insured holds or subsequently effets with any insurer or group of insurers a Policy of Insurance in respect of liailiry as herein” defined for insured’ general employees; (2). the insured shall rake reasonable precautions o prevent accidents and shall comply with all statutory obligations: (3) inthe event ofthe Policy being eancelled atthe request ofthe insurod no refund of the premium paid in respect ofthis Endorsement will be allowed, Subject otherwise tothe terms conditions limitations and exceptions ofthe Poly except so far es necessary 10 mieet the requitemenis of the Motor Vehicles Act, 1988. IMT 33. LOSS OF ACCESSORIES (Applicable to Motorised Two Wheeler Policies only) In consideration of the payment of an addivonal premiun of Rs......(reer Poliey Schedule) itis hereby understood and agreed that a UM rotwithsianfing anything othe contrary contsinad in Section | but sub olhewise othe terms exceptions conditions ant imitations ofthis Policy the insane will indemnify te insured in respec of less oF or damage acessories the property ofthe isu, specifically declared by the insured caused by burly, bousebveaking or thet Subject otherwise to the tere conitonn Finiatons mil exceptions of this Pliy.