(Act) POLICY TAlereasire sures ry a propose and declaration dated as stated in the Schedulé which ‘shall be the basis of this Contract and is deemed to be incorporated herein has applied to the Company. fers imurance heeitafic conttoed ard has pul erraghed Nae neemmied tthe Company rr rr Roww this Policy Wiitnesseth: That subject to the Terms, Exceptions and Conditions contained herein or endorsed or other- wise expressed hereon LIABILITY TO THIRD PARTIES 1. Subject to the limit of Liability the Company will indemnify the Insured in the event of accident caused by or arising out of the use of the Motor Vehicle in a. public place against all sums including claimant's. costs and expenses which the Insured shall become legally liable to pay in respect of death of or bodily injury to any person. 2, ‘The company will pay all costs and expenses incurred with its written consent. 3. In terms of and subject to the limitations of this Policy the Company will indemnify any Driver who is driving the Motor Vehicle on the Insured’s order or with his permission provided that such Driver: (a) is not entitled to indemnity under any Policy (B) shall as though he were the Insured observe full and be subject to the terms exceptions and conditions of this Policy in so far as they can apply. 4. In the event of the death of any person entitled to indemnity under this policy the Company will in respect ofthe liability incurred by such person indemnify his personal representatives inthe terms. of and subject to the limitations of this Policy provided that such personal representative shall as though they were the Insured observe, fulfil and be subject to the terms, exceptions and Conditions of this Policy in so far as they can apply 5. ‘The Company may at its own option (A) arrange for representation at any Inquest or Fatal Inguiry in respect of any death which may be the subject of indemnity under this Policy, and (B) undertake the defence of proceedings in any Court of Law in respect of any act or alleged offence ‘ausing or relating to any event which may be the subject of indemnity under this Policy. AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY in this Policy or any endorsement hereon shall affect the right of any person indem- nifed by this Policy or any other person to recover an amount under or by virtue of the provisions of the Motor Vehicles Act, 1939, Section 96 BUT the Insured shall repay to the Company all sums. paid by the Company which the Company ‘would not have been liable to pay but for the said provisionsAPPLICATION OF LIMITS OF INDEMNITY Jn the cvent of any accident involving indemnity to more than one person any limitation the term ofthis policy and/or of any Endorsement tefeon of the amount of ony wade eas apply to the aggregate amount. of indemnity to all persous indemnifed and sock maetinity Sbal apply in prot to the Insured. GENERAL EXCEPTIONS OF THE POLICY 1. The Company shail not be lable in respect of any claim arising whilst the Motor Vehicle is (a) being used otherwise than in accordance with the imitations to Use or (b) being driven by or is for the purpose of being driven by him in the charge of any person © Set chan s Dever. Pope ae oe 2. ‘The Company shall not be liable in respect of any claim ising out of any contractual 3. Except $0 far as is necessary to meet the requirements of Section 95 of the Motor Vehicles co, i Baap thn hae eaten of Seton 95 a he Moar Vee inet min aye atl nee ah ng tad inte eu of ha STESDua Sele uta oases a rao fn pro mh Seeged eee vec iy Heo ary mt hein ein a te Mey ae a ie ty ra pect ol ae SAIS Renate aa of agate com ot rpm ie crete an eee onan ora a 5. The Company shall not be liable in respect of death or bodily ‘injury caused or contributed «the company sal not be lain rept of ty Uabiliy of whatever sae diet ox nay sed ota ya ss ANY whan, at de ease ae any ka eo tsa mam en atonement, Bee Se lle Seta Conta a em pein of ce 1, The company sal ot be ten respect of any Ubiiy deo niet cated or contributed to by or ing from nuclear weapons material. 2 7 . tthe conpany hallo ele eect of tenth bodily ijry cui smal ot ‘CONDITIONS ‘This Policy and the Schedule shall be read together and any word or expression to which a specific meaning bas been attached in any part of this Policy or of the Schedule shall beat the same meaning wherever it may appear. 1. Notices ail be given in writing o the Company immediately upon the occurrence of any accident and in the event of any claim. Evety letter, claim, writ, summons and/or process thall be forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in JFuRE fo he Company immediately th Insured thal have knowledge of any impending procation Inquest or fatal Inquiry 10 respect of any accident which may give rise to a claim under ten Policy 2. No admission, offer, promise or payment shall be made by the Intured without the written consent of the Company which shall be entitled if it $0 desir Of the Intured the defence or settlement of dy claim or to prosecute in his name for its own beneht ‘any claim for indemaity or damages or otherwise and shall have full cretion in the conduct of say Proceedings or in the settlement of any claim and the Tasured shall give all such information aad ste Company may requis. I'tbe Company shall mabe any paymcat ia eitement of and such payment includes any amount not covered by this Poligy the Insured shall repay ‘to take over and conduct in the name any cll 10 the Company the amount not so covered 3. The Insured shall take all reasonable steps to maintain the Motor Vehicle in efficent con- ition and the Company shall have at all times free and full access to examine ibe Motor Vehicle: or ‘ny part thereof or any driver or employee of the Insured. 4. The Company may cance! this Policy by sending seven days’ notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium. lee the pra rata portion thereof for the period the Policy hes been in force or the Policy may be cancelled at any time by the Insured on seven day's notice and (provided no claim has arisen, during. the then {gurrent period of the insurance) Tnsured shall be entitled to a retura of premium less premium at the ‘Company's Short Period rates for the period the Policy has been in foree 5. Mat the time spy claim arises under this Policy there is any other existing insurance covering the same liability the company shall not be liable to pay or contribute mors than ts rateable Proportion of any compensation costs or expentes. Provided alivays that nothing sn this Condition shall impose on the Company sny liability from which but for this Condition it would have been relieved under the provisions of proviso (a) of parargraph 3 of this Policy. 6. If any difference arites as to the amount to be paid under this Policy (Liability being other- Wise admitted) such difference sball be referred to the decision of an Arbitrator to be appointed 1 ‘writing by the parties in difference or if they cannot agree upon a single Arbitrator to the decision of ‘two Arbitrators one to be appointed in writing by each of the parties withia one calendar month after having been required in writing. s0 10 do by eutber of the partis oF in cate the Arbitrators do, not agree of an Umpire appointed in writing by the Arbitrators before entering upon the reference, ‘The ‘Umpire shail sit with the Arbitrators aud preside at thelr meetings and the making of am Award shail bbe condition preceéent to any right of action egainst the Company. 7. The dve observance and fulfilment of the term, conditions and endortements of this Policy in so Far as they relate f0 anything to be done or complied with by the Insured and the ‘truth of the statements and answers in the said proposal shall be conditions: precedent to any liability of the company to make any payment under this Policy.THE SCHEDULE AGENCY, POLICY Ne. ‘The Company : ‘The Insured: Name Address Carrying on or engaged in the business or profession of and no other for the purposes of this insurance to (both dates inclusive) (b) Any subsequent period for which the Tosured shall pay and the Company shall agree to accept a renewal premium Any of the following:— (Motor Vebicle shall in the care of a Motor Cycle be deemed to include a side-cer attached to a Motor cycle) —— TTiceased Gurring| ‘Sapsciy Resisration Mar Make “Type of Body ap, or | ea of Goods | ERS Public Place: A public place in Pakistan witbio the meaning of the Motor Vebicles Act, 1939, Limit of Liability: Such amount as is Recessary to meet the requitements of the Motor Vebicles Act, 1939, Limitations as to use Driver: Provided the perton driving holds a licence to drive the Motor Ve fied for holding or obtaining a licence. Date of Signature of ‘Proposal and Declaration Prema SIGNED for and on behalf of the Company at this aay of One Thousand Nine Hundred andMOTOR INSURANCE (ACT) POLICY Policy No. Name Expiry Date Agency Branch ‘This Policy should be read carefully, and its terms noted. a ‘Alt Communications to be addressed tothe