k|wfg sfof{no M yfkfufp¤, lh=lk=cf]=aS; 148, sf&df)*f}, g]kfn .

kmf]g g++= 5245090, km\ofS;M 5245099,

Od]nM ktm@hei.com.np, www.hei.com.np

df]6/;fOsn aLdfn]v
o; aLdfn]vn] /Iffj/0f ug]{ Iflt÷xflg–gf]S;fgL la?4 aLdf ug{sf nflu lxdfnog Pe/]i6 OG:of]/]G; lnld6]8 -o; kl5 aLds elgPsf]_ n]
k|:tfj k|fKt u/]sf] / aLdsn] o; aLdfn]vsf] clwgdf /xg] u/L hf]lvd axg ug{ dGh'/ u/L o; aLdfn]vsf] tflnsfdf pNn]lvt aLdfz'Ns
k|fKt u/]sf]n] aLdsn] of] aLdfn]v hf/L u/]sf] 5 . o; aLdfn]vsf] nflu k|fKt k|:tfj kmf/fdnfO{ o; aLdfn]vsf] cfwf/ dflgg] 5 . aLdfn]vsf]
tflnsfdf qmd ;+Vof pNn]v ePsf ;+nUg ;Dk'i6Lx? o; s/f/sf] cleGg c+u dflgg] 5 .

kl/R5]b –! aLdfn]vn] /Iffj/0f u/]sf] df]6/;fOsnsf] Iflt÷xflg–gf]S;fgL

1= aLdsn] aLldtnfO{ b]xfosf] s'g} sf/0faf6 o; aLDffn]vsf] tflnsfdf pNn]lvt df]6/;fOsn -o; kl5 ;jf/L ;fwg elgPsf]_ jf ;f]df
hl8t kf6{k"hf{ jf b'j}sf] Iflt÷xflg–gf]S;fgL eP jfkt Ifltk"lt{ k|bfg ug]{5 M–
-s_ cfunfuL, r6\ofË, ;jf/L ;fwg jf ;f]df hl8t kf6{k"hf{sf] laikmf]6g jf :jhng,
-v_ e"sDk,
-u_ af9L÷8'afg,
-3_ klx/f]÷e":vng,
-ª_ cfFlwa]x/L, cl;gf, lxpFm jf t'iff/f],
-r_ cfsl:ds÷b'3{6gfhGo afx\o sf/0fx?,
-5_ ;jf/L ;fwgsf] k|of]uaf6 ePsf] x|f;sf] kl/0ffd :j?k jf oflGqs jf ljB'tLo cj/f]w÷c;kmntf÷6'6km'6sf] sf/0fn] ;jf/L ;fwg
b'3{6gf eO{ ePsf] Iflt÷xflg–gf]S;fgL
-h_ rf]/L, ;]+wdf/L jf gsjhgL,
-em_ ;8s, /]n, cfGtl/s hndfu{, lnˆ6 jf Plne]6/df cf];f/ k;f/ ubf{ .
2= k|s/0f ! adf]lhdsf] s'g} sf/0faf6 ePsf] Iflt÷xflg–gf]S;fgLn] ubf{ ;jf/L ;fwgsf] b]xfosf] j:t'af6 ag]sf] kf6{k"hf{x? km]g'{ k/]sf]
cj:yfdf b]xfo adf]lhd x|f; s§L x'g]5 M–
-s_ ;Dk"0f{ lsl;dsf /a/,alQx?, Aof6«Lx?, 6fo/ tyf 6\o"adf %)Ü
-v_ kmfOj/ Unf;af6 ag]sf kf6{k"hf{x?df #)Ü
-u_ sfFr -Unf;_ af6 ag]sf ;fdfgx?df )Ü
3= k|s/0f ! df pNn]v ePsf] s'g} sf/0faf6 ePsf] Iflt÷xflg gf]S;fgLn] ubf{ ;jf/L ;fwgsf] k|s/0f @ df pNn]v eP eGbf afx]ssf]]
kf6{k"hf{x? km]g'{ k/]sf] cj:yfdf b]xfo adf]lhd x|f; s§L x'g]5 M–
g]kfndf btf{ ePsf] ldlt b]lv u0fgf ubf{ ;jf/L ;fwgsf]] pd]/ x|f; s§Lsf] b/
^ dlxgf eGbf sd ) k|ltzt
^ dlxgf b]lv ! jif{ eGbf sd % k|ltzt
! jif{ b]lv @ jif{ eGbf sd !) k|ltzt
@ jif{ b]lv # jif{ eGbf sd !% k|ltzt
# jif{ b]lv $ jif{ eGbf sd @% k|ltzt
$ jif{ b]lv % jif{ eGbf sd #% k|ltzt
% jif{ b]lv !) jif{ eGbf sd $) k|ltzt
!) jif{ jf ;f] eGbf jl9 %) k|ltzt
4= k|s/0f ! adf]lhdsf] sf/0faf6 cf+lzs Iflt÷xflg–gf]S;fgL ePsf] ;jf/L ;fwgsf] Ifltk"lt{ k|bfg ubf{ k|s/0f @ jf # df pNn]v eP
adf]lhdsf] Xf; s§L tyf o; aLdfn]vsf] tflnsfdf pNn]v ePsf] clgjfo{ clws tyf :j]R5Ls clwssf] of]ukmn s§L u/L afFsL /sd
aLdsn] e'QmfgL lbg]5 .
5= k|s/0f !, @ / # df h'g;'s} s'/f n]lvPsf] ePtfklg b]xfosf] s'g} klg cj:yfdf aLdsn] e'QmfgL ug]{ 5}g M
-s_ ;jf/L ;fwgsf]] k|of]uaf6 ePsf] x|f; -Depreciation_, oflGqs jf ljB'tLo cj/f]w÷ c;kmntf÷6'6km'6,
-v_ ;jf/L ;fwg b'3{6gf gePsf] cj:yfdf ePsf] 6fo/÷6\o'asf] Iflt,
-u_ ;jf/L ;fwgsf] rf]/L gePsf] cj:yfdf ePsf] kf6{k"hf{ dfqsf] rf]/L÷;]+wdf/L÷gsjhgL,
-3_ rfnsn] dfbs kbfy{ jf nfu" kbfy{ ;]jg u/]sf] sf/0fn] ePsf] Iflt÷xflg–gf]S;fgL,
-ª_ ;jf/L ;fwg k|lt aLldtsf] xs lxt kl/jt{g jf ;dfKt ePsf] k}+tL; -#%_ lbg kl5 ePsf] Iflt÷xflg–gf]S;fgL .

1
6= k|s/0f ! df plNnlvt s'g} sf/0faf6 ;jf/L ;fwg grNg] ePdf ;jf/L ;fwgsf]] ;'/Iffsf] nflu jf glhssf] dd{t ug]{ :yfg;Dd k'¥ofpg
nfUg]] cfjZos / jf:tljs vr{ aLdsn] Joxf]g]{ 5 . o; k|s/0f cGtu{t aLdssf] clwstd bfloTj b]xfosf] tflnsf adf]lhd x'g]5 M

ljj/0f b'3{6gf ePsf] :yfgaf6 k'¥ofpg' kg]{ :yfg ;Ddsf] b'/L

b'/L ;o -!))_ ls=dL= ;Dd ;o -!))_ ls=dL= eGbf a9L
clwstd bfloTj tLg -#)))_ xhf/ ?k}ofF kfFr -%)))_ xhf/ ?k}ofF
7= o; aLdfn]v cGtu{t aLdssf] bfloTj x'g ;Sg] Ifltsf] ;DaGwdf b]xfosf zt{x? k"/f u/L aLldtn] ;jf/L ;fwg cfjZos dd{t u/fpg
;Sg]5 M
-s_ o:tf] dd{t sfo{sf] cg'dflgt vr{ tLg xhf/ ?k}ofF eGbf al9 gePdf,
-v_ dd{t vr{sf] lj:t[t ljj/0f tTsfn} aLdsnfO{ pknAw u/fPdf /
-u_ aLldtn] aLdsnfO{ o:tf] dd{t ug{ cfjZos ePsf] tyf ;f] jfkt nfu]sf] vr{ dgfl;a xf] eGg] s'/f Plsg ug{ cfjZos k|df0f ;lxt
;xof]u u/]df .
8= ;jf/L ;fwgsf]] aLdfÍ lgwf{/0f b]xfo adf]lhd x'g]5 M
-s_ k|To]s aLdf cjlwsf] z'?df aLldtn] 3f]if0ff u/]sf] d"NonfO{ ;f] aLdf cjlwsf] nflu ;jf/L ;fwgsf]] aLdfÍ dflgg]5 .
-v_ ;jf/L ;fwgsf]] ljt/s jf pTkfbsn] d"No;"rL pknAw u/fO/x]sf]] ;jf/L ;fwgsf]] v08 -s_ adf]lhdsf] 3f]lift d"No lgwf{/0f ubf{
aLldtn] k|To]s aLdf cjlwsf] z'?df o; aLdfn]v cGtu{t aLdf x'g] a|f08 / df]8nsf] ;jf/L ;fwgsf]] tyf ;f]df hl8t kf6{k"hf{sf]
ljt/s jf pTkfbsn] pknAw u/fPsf] d"No;"rLaf6 b]xfo adf]lhd x|f; s§L u/L 3f]lift d"No sfod ug'{ kg]{5 .

g]kfndf btf{ ePsf] ldlt b]lv u0fgf ubf{ ;jf/L ;fwgsf]] pd]/ x|f; s§Lsf] b/
^ dlxgf eGbf sd ) k|ltzt
^ dlxgf b]lv ! jif{ eGbf sd % k|ltzt
! jif{ b]lv @ jif{ eGbf sd !) k|ltzt
@ jif{ b]lv # jif{ eGbf sd !% k|ltzt
# jif{ b]lv $ jif{ eGbf sd @% k|ltzt
$ jif{ b]lv % jif{ eGbf sd #% k|ltzt
% jif{ b]lv !) jif{ eGbf sd $) k|ltzt
!) jif{ jf ;f] eGbf jl9 %) k|ltzt

-u_ ;jf/L ;fwgsf]] ljt/s jf pTkfbsn] d"No ;"rL pknAw u/fpg 5f]8]sf] jf btf{ ePsf] ldlt b]lv u0fgf ubf{ bz aif{ jf ;f] eGbf al9
pd]/ k'u]sf] ;jf/L ;fwgsf]] v08 -s_ adf]lhdsf] 3f]lift d"No lgwf{/0f ubf{ k|To]s aLdf cjlwsf] z'?df aLldt / aLdssf] cfk;L
;xdltaf6 to ug'{ kg]{5 .
-3_ Pp6f aLdf cjlwsf] nflu pQm cjlwsf] z'?df v08 -v_ jf -u_ adf]lhd lgwf{/0f ePsf] 3f]lift d"NonfO{ g} ;jf/L ;fwgsf]] ahf/
d"No dflgg]5 / ;f] cjlw leqsf] k"0f{ Iflt jf nlIft k"0f{ Iflt (Constructive Total Loss) bfaLdf yk x|f; s§L ul/g] 5}g .
-ª_ k|s/0f ! adf]lhdsf] sf/0faf6 Iflt÷xflg–gf]S;fgL ePsf] ;jf/L ;fwgsf]] dd{t ug{ nfUg] vr{ 3f]lift d"Nosf] krxQ/ k|ltzt eGbf
al9 x'g] ePdf nlIft k"0f{ Iflt ePsf] dflgg]5 .
9= k|s/0f ! adf]lhdsf] sf/0faf6 k"0f{ Iflt jf nlIft k"0f{ Iflt ePsf] ;jf/L ;fwgsf] Ifltk"lt{ aLdsn] e'QmfgL lbg]5 . o:tf] e'QmfgL k|bfg
ubf{ clgjfo{ clws jf :j]lR5s clws s§L ul/g] 5}g . ;e{]o/sf] l;kmfl/;df aLds / aLldtsf] lnlvt ;xdtLaf6 /2L -Salvage_ sf]
d"No sfod ul/g]5 .
kl/R5]b –@ t]>f] kIf k|ltsf] bfloTj

1= aLdsn] aLdfn]vdf pNn]lvt clwstd bfloTjsf] ;Ldfsf] cwLgdf /xL ;jf/L ;fwg jf ;f]sf] k|of]uaf6 ePsf] b'3{6gfsf] sf/0faf6
aLldtnfO{ b]xfosf] cj:yfdf kg{ ;Sg] bfloTj jfktsf vr{x? ;d]tsf]] e'QmfgL ug]{5 M
-s_ t]>f] kIfsf] d[To' ePsf], c+u eË ePsf], zf/Ll/s rf]6k6s nfUg uPsf] cj:yfdf,
-v_ aLldtsf] ;jf/L ;fwgdf 9'jfgL/t\ jf aLldtsf] :jfldTjdf /x]sf] jf aLldtnfO{ ljZjf;;fy /fVg lbPsf] jf aLldtsf] lhDdfdf jf
aLldtsf] lgoGq0fdf /x]sf] ;DklQsf] Iflt afx]s cGo t]>f] kIfsf] ;DklQsf] Iflt÷xflg–gf]S;fgL ePsf] cj:yfdf .
2= aLdsn] lnlvt :jLs[lt k|bfg u/]sf] ;Dk"0f{ vr{x?sf] e'QmfgL lbg]5 .
3= o; kl/R5]b cGtu{t aLldtnfO{ k|bfg ul/g] bfloTjsf] ;Ldf tyf zt{x? cg'?k aLdsn] b]xfosf] cj:yfdf aLldtsf] ;fwf/0f hfgsf/L jf
;xdtLn] ;jf/L ;fwgsf]] rnfO/x]sf] rfnssf] bfloTjsf] klg Ifltk"lt{ k|bfg ug]{5 M
-s_ rfns s'g} cGo aLdfn]v cGtu{t Ifltk"lt{sf] nflu xsbf/ gePdf,
-v_ rfnsn] aLldtn] h:t} o; aLdfn]v cGtu{t nfu" x'g ;Sg];Ddsf] zAbsf] dd{, ckjfb / zt{x? cg'?k sfd u/]df .
4= aLdsn] rfx]df o; kl/R5]b cGtu{t bfjL kg{ ;Sg] s'g} d[To' jf c+ueË jf zf/Ll/s rf]6k6s jf s'g} ;DklQsf] Ifltsf] ;DaGwdf
cg';Gwfg jf ;f]wk'5sf] nflu k|ltlglwTjsf] Joj:yf ug{ ;Sg]5 ;fy} o; kl/R5]b cGtu{t bfjL kg{ ;Sg] vfnsf] s'g} sfo{ jf sf/afxLaf6
;[lht jf ;DalGwt s'g} 36gfsf] ;DaGwdf cbfntdf k|lt/Iffsf] nflu sf/afxL ug{ ;Sg]5 .

2
5= o; kl/R5]b cGtu{t bfjL kg{ ;Sg] s'g} t]>f] kIfsf] d[To' ePsf] c+ue+u ePsf] zf/Ll/s rf]6k6s nfu]sf] ;DaGWfdf o; aLdfn]vdf
tf]lsPsf] bfloTjsf] ;Ldf tyf zt{ cg'?k aLldtn] Joxf]g'{ kg]{ o:tf] bfloTjsf] e'QmfgL lgh jf lghsf] d[To' ePsf] cj:yfdf d[tssf]]
glhssf] xsjfnfnfO{ aLdsn] k|bfg ug]{5 . To:tf] xsjfnfn] aLldt ;/x o; aLdfn]vsf zt{x? kfngf ug'{ kg]{5 .
6= o; aLdfn]vsf] s'g} k|fjwfg jf aGb]hn] ;jf/L tyf oftfoft ;DaGwL k|rlnt sfg"g cGtu{t Joj:yf ul/Psf] Ifltk"lt{ /sd k|fKt ug]{ s'g}
JolQmsf] clwsf/df k|lts'n c;/ kfg]{ 5}g .
7= ;jf/L ;fwg b'3{6gfaf6 b]xfo adf]lhd ePsf] cj:yfdf b]xfo adf]lhdsf] Ifltk"lt{ /sd aLdsn] e'QmfgL lbg]5 .
-s_ rf]6k6s jf c+ue+u ePdf M t]>f] kIfnfO{ rf]6k6s nfu]df, c+ue+u ePdf jf cf}ifwf]krf/ vr{ ePdf lrlsT;ssf] k|ltj]bgsf] cfwf/df
clwsf/ k|fKt lgsfo jf clwsf/Ln] k|dfl0ft u/]sf] b]xfosf] cj:yfdf aLdsn] k|lt JolQm b]xfo adf]lhd Ifltk"lt{ k|bfg ug]{5 M

Ifltsf] ljj/0f Ifltk"lt{sf] /sd ¿= kfFr nfv

k"0f{ :yfoL czQmtf ePdf kfFr nfv
lgsf] gx'g] u/L b'j} cfFvfsf] b[li6 Iflt ePdf kfFr nfv
b'j} xftsf] gf8L jf b'j} v'§fsf] uf]nL ufF7f]sf] hf]gL{ jf ;f] eGbf dfly b]lv kfFr nfv
zf/Ll/s?kn] sfd gnfUg] ePdf
Pp6f xftsf] gf8L jf Pp6f v'§fsf] uf]nL ufF7f]sf] hf]gL{ jf ;f] eGbf dfly b]lv / kfFr nfv
Pp6f cfFvfsf] b[li6 k"0f{ ?kn] Iflt ePdf
Pp6f cfFvfsf] b[li6 k"0f{ ?kn] Iflt ePdf b'O{ nfv krf; xhf/
Pp6f xftsf] gf8L jf Pp6f v'§fsf] uf]nL ufF7f]sf] hf]gL{ jf ;f] eGbf dfly b]lv b'O{ nfv krf; xhf/
zf/Ll/s?kn] sfd gnfUg] u/L Iflt ePdf
cGo s'g} c+u e+u ePdf -zf/Ll/s Ifltsf] ;DalGwt laz]if1n] lgwf{/0f u/]sf] zf/Ll/s Ifltsf] ;dfg'kflts x'g] u/L kfFr nfvsf]
dfqfsf] cfwf/df_ k|ltzt
;jf/L ;fwg b'3{6gfsf] k|ToIf tyf Ps dfq kl/0ffd :j?k ePsf] cf}ifwf]krf/ vr{ tLg nfvsf] xbdf ga9\g] u/L cfjZos tyf
jf:tljs vr{
dfly plNnlvt Ifltx? dWo] Ps eGbf al9 Iflt ePdf aLdssf] bfloTj kfFr nfv ?k}ofFd f ga9\g] u/L k|To]s Ifltsf] nflu lgwf{l/t
/sdsf] of]ukmn a/fj/ x'g]5 .
-v_ s'?jf vr{ M;jf/L ;fwg b'3{6gfaf6 t]>f] kIf 3fOt] eO{ pkrf/sf] nflu c:ktfndf egf{ ePsf] k|dfl0ft ePdf To:tf] cjlwsf] nflu
k|lt lbg kfFr ;o ?k}ofFsf] b/n] al9df k+}tfnL; -$%_ lbg ;Ddsf] s'?jf vr{ cf}ifwf]krf/ vr{sf] ;Ldf leq /xL aLdsn] e'QmfgL
lbg]5 .
-u_ PDa'n]G; vr{M b'3{6gf :ynaf6 jf k|f/lDes lrlsT;f c:ktfnaf6 csf]{ c:ktfndf n}hfg' kg]{ ePdf ?=!),))).– -bz xhf/ ?k}ofF_ jf
jf:tljs vr{ h'g sd x'G5 ;DalGwt PDa'n]G;sf] aLnsf] e'QmfgL lbOg]5 / o:tf] vr{ cf}ifwf]krf/sf] ;Ldf leq /xg]5 .
-3_ s[of vr{ M ;jf/L ;fwgsf] uNtL ePsf] jf gePsf] h'g;'s} cj:yfdf ;jf/L ;fwgsf] k|ToIf ;+nUgtfdf /x]sf] b'3{6gfaf6 s'g} t]>f]
kIfsf] d[To' ePdf s[of vr{ jfkt k|lt d[ts krf; xhf/ ?k}ofF -aLdssf] s"n k|lt d[ts bfloTj kfFr nfv ?k}ofF sf] ;Ldf leq /xL_
aLdsn] tTsfn e'QmfgL lbg]5 . o:tf] vr{ jfkt e'QmfgL stf{÷oftfoft Joj;foLsf] tkm{af6 tTtsfn ;DalGwt t]>f] kIf bfaL
stf{nfO{ e'QmfgL lbPsf] ca:yfdf e'QmfgL stf{÷oftfoft Joj;foLn] ;f] e'QmfgL lbPsf] lg:;f÷/l;b k]z u/] kl5 aLdsn] d[To' bfjL
e'QmfgL ubf{ ;f] lqmof vr{ 36fO{ afFsL /sd bfjL stf{nfO{ d[To' bfjL e'Qmfg ug{' kg{]5 / lqmof vr{sf] /sd ;f] e'QmfgL
stf{÷oftfoft Joj;foLnfO{ ;f]w egf{ lbg' kg{]5 .
-ª_ d[To' ePdf M ;jf/L ;fwg b'3{6gfaf6 t]>f] kIf b'3{6gfaf6 d[To' ePsf] Aoxf]/f sfg"g adf]lhd clwsf/ k|fKt lgsfo jf clwsf/Laf6
k|dfl0ft ePsf] cj:yfdf s[of vr{ ;d]t k|lt d[ts hDdf kfFr nfv ?k}ofFsf] b/n] aLdsn] e'QmfgL lbg]5 . o;sf] cltl/Qm ;jf/L
;fwg b'3{6gfaf6 3fOt] eO{ cf}ifwf]krf/ ubf{ ub}{ To:tf] JolQmsf]] d[To' ePdf k|lt d[ts tLg nfv ?k}ofFsf] xbdf ga9\g] u/L cfjZos
tyf jf:tljs cf}ifwf]krf/ vr{ ;d]t aLdsn] e'QmfgL lbg]5 .
:kli6s/0fM
aLldtn] yk aLdfz'Ns e'QmfgL u/L rfns,cGo ;Dalwt sd{rf/L tyf ofqLsf] aLdfÍ yk u/L aLdfn]v hf/L ug{ cg'/f]w u/]
adf]lhd aLdsn] aLdfÍ a9fPsf] cj:yfdf ;f]xL aLdfn]vdf pNn]v ePsf] aLdfÍsf] cfwf/ adf]lhd aLdsn] bfjL e'QmfgL lbg]5 .
8= ;jf/L ;fwg b'3{6gfaf6 b]xfo adf]lhd ePsf] cj:yfdf b]xfo adf]lhdsf] Ifltk"lt{sf] clwstd ;Ldf k|lt b'3{6gf b]xfo adf]lhd x'g]5M

qm=;+= ;jf/L ;fwgsf] juL{s/0f t]>f] kIf dfgj Ifltsf] clwstd bfloTj t]>f] kIf ;DklQ Ifltsf] clwstd
?k}of+df bfloTj ?k}of+df
! df]6/ ;fOsn @% nfv @% nfv
9= ;jf/L ;fwg b'3{6gfaf6 t]>f] kIfsf] ;DklQsf] gf]S;fgL ePdf aLdfn]vsf] zt{sf] clwgdf /xL aLdsn] Ifltk"lt{ /sd e'QmfgL lbg]5 .
o;/L e'QmfgL k|bfg ubf{ x|f; s§L ul/g] 5}g .
10= o; kl/R5]b cGtu{t Ps eGbf a9L JolQm jf ;DklQx?sf] Iflt ePsf] s'g} b'3{6gfsf] Ifltk"lt{sf] ;DaGwdf k|s/0f * df tf]lsPsf]
bfloTjsf] ;Ldf / o; aLdfn]vsf] zt{ tyf ;Dk'li6sf] clwgdf /xL aLldtn] tf]lslbPsf] k|fyldstf adf]lhd aLdsn] Ifltk"lt{ /sd e'Qmfg
ug]{5 .
11= aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .

3
 kl/R5]b –# df]6/;fOsn rfns tyf ;f]df k5fl8 ;jf/
Ps JolQm -Pillion Rider_ sf] b'3{6gf aLdf

!= o; aLdfn]vsf] zt{x?sf] clwgdf /xL ;jf/L ;fwg xfFls/x]sf] JolQm jf ;jf/L ;fwgdf ;jf/ Ps JolQm -Pillion Rider_ aLdf ul/Psf]
;jf/L ;fwgdf ;jf/ /xFbf jf r9\bf jf cf]n{bf b'3{6gfdf k/L rf]6k6s nfu]sf] kl/0ffd :j?k To:tf] b'3{6gf ePsf] Ps ;o lqof;L -!*#_
lbg leq b]xfo adf]lhd Iflt ePsf] cj:yfdf b]xfo adf]lhdsf] Ifltk"lt{ /sd 3fOt] JolQm jf lghsf] d[To' ePsf] cj:yfdf d[tssf]
glhssf] xsjfnfnfO{ aLdsn] k|lt JolQm b]xfo adf]lhdsf] Ifltk"lt{ lbg]5 .
Ifltsf] ljj/0f Ifltk"lt{sf] /sd
-k|To]s JolQmsf] nflu lgwf{l/t aLdfÍ /sd_
d[To' ePdf kfFr nfv
k"0f{ :yfoL czQmtf ePdf kfFr nfv
lgsf] gx'g] u/L b'j} cfFvfsf] b[i6L Iflt ePdf kfFr nfv
b'j} xftsf] gf8L jf b'j} v'§fsf] uf]nL ufF7f]sf] hf]g{L{ jf ;f] eGbf dfly b]lv kfFr nfv
zf/Ll/s ?kn] sfd gnfUg] ePdf
Pp6f xftsf] gf8L jf Pp6f v'§fsf] uf]nL ufF7f]sf] hf]gL{ jf ;f] eGbf dfly b]lv / kfFr nfv
Pp6f cfFvfsf] b[i6L k"0f{ ?kn] Iflt ePdf
Pp6f cfFvfsf] b[i6L k"0f{ ?kn] Iflt ePdf b'O{ nfv krf; xhf/
Pp6f xftsf] gf8L jf Pp6f v'§fsf] uf]nL ufF7f]sf] hf]gL{ jf ;f] eGbf dfly b]lv b'O{ nfv krf; xhf/
zf/Ll/s ?kn] sfd gnfUg] u/L Iflt ePdf
cGo s'g} c+u e+u ePdf -zf/Ll/s Ifltsf] ;DalGwt laz]if1n] lgwf{/0f u/]sf] zf/Ll/s Ifltsf] ;dfg'kflts x'g] u/L aLdfÍsf]
dfqfsf] cfwf/df_ k|ltzt
;jf/L ;fwg b'3{6gfsf] k|ToIf tyf Ps dfq kl/0ffd :j?k ePsf] cf}ifwf]krf/ tLg nfv ?k}ofFsf] xbdf ga9\g] u/L cfjZos tyf
vr{ jf:tljs vr{
dfly plNnlvt Ifltx? dWo] Ps eGbf a9L Iflt ePdf aLdssf] bfloTj k|To]s JolQmsf] nflu tf]lsPsf] aLdfÍ /sddf ga9\g] u/L k|To]s
Ifltsf] nflu lgwf{l/t /sdsf] of]ukmn a/fa/ x'g]5 .
-s_ s'?jf vr{M ;jf/L xfFls/x]sf] JolQm jf ;jf/L ;fwgdf ;jf/ JolQm 3fOt] eO{ pkrf/sf] nflu c:ktfndf egf{ ePsf] k|dfl0ft ePdf
To:tf] cjlwsf] nflu k|lt lbg kfFr ;o ?k}ofFsf] b/n] al9df k+}tfnL; -$%_ lbg ;Ddsf] s'?jf vr{ cf}ifwf]krf/ vr{sf] ;Ldf leq /xL
aLdsn] e'QmfgL lbg]5 .
-v_ PDa'n]G; vr{M b'3{6gf :ynaf6 jf k|f/lDes lrlsT;f c:ktfnaf6 csf]{ c:ktfndf n}hfg' kg]{ ePdf ?=!),))).– -bz xhf/ ?k}ofF_ jf
jf:tljs vr{ h'g sd x'G5 ;DalGwt PDa'n]G;sf] aLnsf] e'QmfgL lbOg]5 / o:tf] vr{ cf}ifwf]krf/sf] ;Ldf leq /xg]5 .
-u_ s[of vr{M ;jf/L xfFls/x]sf] JolQm jf ;jf/L ;fwgdf ;jf/ JolQm sf] d[To' ePdf s[of vr{ jfkt k|lt d[ts krf; xhf/ ?k}ofF
-aLdssf] s"n k|lt d[ts bfloTj kfFr nfv ?k}ofF sf] ;Ldf leq /xL_ aLdsn] tTsfn e'QmfgL lbg]5 . o:tf] vr{ jfkt e'QmfgL
stf{÷oftfoft Joj;foLsf] tkm{af6 tTsfn ;DalGwt t]>f] kIf bfaL stf{nfO{ e'QmfgL lbPsf] ca:yfdf e'QmfgL stf{÷oftfoft
Joj;foLn] ;f] e'QmfgL lbPsf] lg:;f÷/l;b k]z u/]kl5 aLdsn] d[To' bfjL e'QmfgL ubf{ ;f] lqmof vr{ 36fO{ afFsL /sd bfjLstf{nfO{
d[To' bfjL e'Qmfg ug{' kg{]5 / lqmof vr{sf] /sd ;f] e'QmfgL stf{÷oftfoft Joj;foLnfO{ ;f]w egf{ lbg' kg{]5 .
-3_ d[To' ePdf M;jf/L xfFls/x]sf] JolQm jf ;jf/L ;fwgdf ;jf/ JolQmsf] b'3{6gfaf6 d[To' ePsf] Aoxf]/f sfg"g adf]lhd clwsf/ k|fKt
lgsfo jf clwsf/Laf6 k|dfl0ft ePsf] cj:yfdf s[of vr{ ;d]t k|lt d[ts hDdf kfFr nfv ?k}ofFsf] b/n] aLdsn] e'QmfgL lbg]5 .
o;sf] cltl/Qm ;jf/L ;fwg b'3{6gfaf6 3fOt] eO{ cf}ifwf]krf/ ubf{ ub}{ To:tf] JolQmsf]] d[To' ePdf k|lt d[ts tLg nfv ?k}ofFsf] xbdf
ga9\g] u/L cfjZos tyf jf:tljs cf}ifwf]krf/ vr{ ;d]t aLdsn] e'QmfgL lbg]5 .
:kli6s/0fM
aLldtn] yk aLdfz'Ns e'QmfgL u/L ;jf/L xfFls/x]sf] JolQm jf ;jf/L ;fwgdf ;jf/ JolQm sf] aLdfÍ yk u/L aLdfn]v hf/L ug{ cg'/f]w
u/] adf]lhd aLdsn] aLdfÍ a9fPsf] cj:yfdf ;f]xL aLdfn]vdf pNn]v ePsf] aLdfÍsf] cfwf/ adf]lhd aLdsn] bfjL e'QmfgL lbg]5 .
@= cfkm}n] hfgfhfg nufPsf] rf]6, cfTdxTof jf cfTdxTofsf] k|of;af6 jf dfbs kbfy{ jf nfu" kbfy{sf] ;]jgaf6 b'3{6gfdf k/L To;sf]
kl/0ffd :j?k ePsf] xflg–gf]S;fgL jfkt aLdsn] s'g} Ifltk"lt{ lbg] 5}g .
-#_ aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .
:ki6Ls/0f M pko'{Qm adf]lhd lgwf{l/t /sdn] ;jf/L ;DaGwL k|rlnt sfg"gdf plNnlvt k|fjwfgx?nfO{ s'g} c;/ kg]{ 5}g .
kl/R5]b –$ bfjL gu/]sf] cj:yfdf x'g] 5'6
1= o; aLdfn]v cGtu{t s'g} aLdf bfjL gu/]sf] cj:yfdf aLdfn]v gjLs/0f u/fpFbf aLdsn] gjLs/0f aLdfz'Ns -hf]lvd ;d"x aLdf afx]s_
df b]xfo adf]lhdsf] 5'6 lbg]5 M
aLdf bfjL gu/]sf] cjlw 5"6
gjLs/0f ug'{ eGbf cufl8sf] Ps jif{ kGw| k|ltzt
gjLs/0f ug'{ eGbf cufl8sf nuftf/ b'O{ jif{x? kRrL; k|ltzt
gjLs/0f ug'{ eGbf cufl8sf nuftf/ tLg jf ;f] eGbf a9L jif{x? k}+tL; k|ltzt

4
2= bfjL k/]sf] cj:yfdf 5'6Psd'i6 ?kdf k|efjsf/L x'g] 5}g . bfjL k/]sf] jif{nfO{ u0fgf gu/L olb k'/fgf] bfjL gk/]sf] jif{sf] aLdfn]v
gjLs/0f ubf{ kfPsf] bfjL gu/] jfktsf] 5'6 bfjL gePsf] cjlwnfO{ sfod /fvL bfjL /lxt 5'6lbg] k|of]hgsf] nflu oyfjt sfod /fVg'
kg]{5 . bfjL ePsf] jif{{nfO{ 5f8L bfjL gePsf] cjlw kl5sf] gjLs/0f cjlwaf6 To:tf] 5'6k"gM z'? x'g]5 .
t/ k"0f{ Iflt (Total Loss) jf /rgfTds k"0f{ Iflt (Constructive Total Loss) eO{ bfjL e'QmfgL ePsf] cj:yfdf pNn]lvt 5'6 aLldtn]
kfpg] 5}g .
3= o:tf] 5'6aLdfn]vsf] cfwf/df geO{ d"n aLldtsf] bfjL geP jfktsf] kfpg] 5"6sf] cfwf/df x'g]5 . aLdfn]vdf /x]sf] Pp6f aLldtsf]
aLdfof]Uo lxt csf]{ aLldtdf x:tfGt/0f ePdf gofF aLldtsf] aLdfof]Uolxt z'? ePsf] cjlwaf6 To:tf] 5'6 k|f/De x'g]5 .
4= ;fljssf] aLldtsf] ;jf/L ;fwgsf] :jfldTj kl/jt{g ePsf] ldltn] tLg ;o k}+;¶L -#^%_ lbg leqdf Ps} jlu{s/0fsf] ;jf/L ;fwg vl/b
u/L aLdf ug{ cfPdf b'3{6gf gePsf] 3f]if0ff u/]df k'/fgf] aLdfn]vdf -:jb]zL jf ljb]zL aLdsaf6 hf/L ePsf]_ k|bfg u/];Ddsf] t/ o;
lgb{]lzsfdf tf]lsPsf] clwstd ;Ldf leq bfjL gu/] jfktsf] 5'6 lbg' kg]{5 .
5= aLdfof]Uolxt x:tfGt/0f ul/Psf] ldltaf6 tLg ;o k}+;¶L -#^%_ lbg eGbf sd cjlw leq gofF aLldtn] aLdfn]v gjLs/0f u/]df pkbkmf
-#_ adf]lhdsf] 5'6lbg' kg]{5 .
6= aLldtn] cfˆgf] ;jf/L ;fwgsf] aLdf s'g} Ps aLdsaf6 csf]{ aLdsnfO{ x:tfGt/0f u/]df k'/fgf] aLdsaf6 kfO cfPsf] 5"6sf] b/ cg'?k
gofF aLdsaf6 lghnfO{ 5'6lbg' kg]{5 .
7= gofF aLdfn]v jfkt aLldtn] k'/fgf] aLds -:jb]zL jf ljb]zL_ af6 bfjL geP jfkt kfpg] 5'6sf] nflu gjLs/0fsf] nflu lbOg] ;"rgf jf
k'/fgf] aLdsaf6 5'6sf] lglZrt k|ltzt v'n]sf] kq k]z ug'{ kg]{5 . ;a} aLdsx?n] aLldtx?nfO{ clgjfo{ ?kdf bfjL geP jfkt kfpg]
5'6sf] k|ltzt ;d]t v'n]sf] gjLs/0f ;"rgf jf k|df0fkq pknAw u/fpg' kg]{5 .
8= aLdf cjlw ;dfKt ePsf] ;jf/L ;fwgsf] aLdfn]v gjLs/0f ug'{kg]{ ldltaf6 k}+tL; -#%_ lbg leq gjLs/0f u/]sf] cj:yfdf bfjL gu/]df
kfpg] 5'6 ;'ljwf nfu" x'g]5 . gofF aLdfn]vdf nfu" x'g] 5'6sf] b/ cl3Nnf] k"/f jif{sf] aLdfn]vn] cfh{g u/] cg';f/ x'g]5 .
9= bfjL gu/] jfkt 5'6kfpg ;Sg] aLldtn] lghsf] aLDffn]v 5f]6f] cjlwsf] nflu gjLs/0f u/]df jf afx| dlxgfsf] nflu aLdfn]v gjLs/0f
u/fPkl5 aLrdf g} 5f]6f] cjlwdf ;f]] aLdfn]v /2 ug{ cg'/f]w u/]df aLldtnfO{ lbg' kg]{ bfjL gu/] jfktsf] 5'6sf] u0fgf ;dfg'kflts
lx;fan] ug'{ kg]{5 .
10= of] lgb]{lzsfdf cGoyf Joj:yf ePsf]df afx]s aLdf c6'6 ?kdf eP dfq 5'6 lbg' kg]{5 .
11= ;jf/L ;fwgsf] :jfldTj ;+:yfaf6 sd{rf/Lsf] gfddf gfd;f/L ePsf] cj:yfdf To:tf] sd{rf/Ln] ;d]t bfjL gu/] jfktsf] 5'6 kfpg]5 .
t/, To:tf] ;jf/L ;fwg ;f]xL sd{rf/Ln] dfq k|of]u ug]{ u/L ;+:yf / To:tf] sd{rf/L aLr ;D´f}tf ePsf] k|df0f ;lxt aLdf ul/Psf] x'g'
kg]{5 .
12= aLldtsf] d[To' eO{ lghsf] sfg'gL xsjfnfsf] gfddf ;jf/L ;fwg gfd;f/L ePsf] cj:yfdf To:tf] xsjfnfn] ;d]t bfjL geP jfktsf]
5'6kfpg]5 .
13= Pp6} aLdfn]v cGtu{t aLdfn]vsf] tflnsfdf ljleGg ;jf/L ;fwgx?nfO{ /Iffj/0f ul/Psf] eP tfklg bfjL jfktsf] 5"6sf] nflu k|To]s
;jf/L ;fwg 5'6[f 5'6}[ aLdf eP ;/x dflgg]5 .
14= bfjL gu/]df k|fKt x'g] 5'6 Aofks aLdfn]vdf dfq nfu' x'g]5 .

kl/R5]b – % ckjfbx?
-o; aLdfn]vsf] ;a} kl/R5]bx?sf] nflu_

!= o; aLdfn]v cGtu{t b]xfosf] cj:yfdf aLdssf] bfloTj /xg] 5}g M

-s_ o; aLdfn]vsf] tflnsfdf plNnlvt ef}uf]lns If]q eGbf aflx/ ePsf] jf 36]sf] s'g} b'3{6gf, xflg–gf]S;fgL, Iflt jf bfloTj,
-v_ cGo s'g} s/f/ cGtu{t >[hgf ePsf] bfjL,
-u_ ;jf/L ;fwg rf]/L ePsf] cj:yfdf afx]s aLdfn]vsf] tflnsfdf tf]lsP adf]lhdsf] rfns eGbf km/s JolQmn] ;jf/L ;fwg xfFs]sf]
cj:yfdf ePsf] jf 36]sf] b'3{6gf, xflg–gf]S;fgL, Iflt jf bfloTj,
-3_ cf0fljs ljls/0f jf cf0fljs OGwgsf] Hjng kl5 z]if /x]sf] a]sDdf kbfy{af6 lg:sg] /]l8of]wld{tf -:jtM hf/L /xg] c0f'sf] ljR5]bgsf]
Hjng ;d]t_ sf] ;lqmotfsf] ;+;u{af6 k|ToIf jf ck|ToIf ?kn] x'g] s'g} xflg–gf]S;fgL,
-ª_ cf0fljs xft–xltof/af6 p7]sf] jf ;f];+u k|ToIf jf ck|ToIf ?kdf ;+nUg /x]sf] sf/0faf6 ePsf] jf 36]sf] b'3{6gf, Iflt÷xflg–
gf]S;fgL jf >[lht bfloTj,
-r_ Hjfnfd'vL lj:kmf]6g, ljb]zL zq'tfk"0f{ sfo{, b'ZdgL jf n8fO{ h:tf] sfo{ -n8+fO{sf] 3f]if0ff x'g' cufl8 jf k5fl8_, u[x o'4, ;}lgs
lab|f]x, ;}lgs zf;g jf plNnlvt 36gfx?sf] k|ToIf kl/0ffd;+u k|ToIf jf ck|ToIf, glhs jf 6f9fsf] sf/0faf6 ePsf] jf ;f+s]lts
?kdf pTkGg ePsf] jf ;+nUg /x]sf] s'g} b'3{6gf, Iflt÷xflg–gf]S;fgL jf bfloTj .
@= o; aLdfn]vn] /Iffj/0f u/]sf] ;jf/L ;fwg b'3{6gfsf] kl/0ffd :j?k >[hgf ePsf] Iflt -Consequential Loss_ k|lt aLdssf] s'g} bfloTj
/xg] 5}g .
#= tf]lsPsf] yk aLdfz'Ns aLldtn] e'QmfgL u/]sf] cfwf/df aLdsn] o; aLdfn]vsf] lj:tf/sf] ?kdf x'nb+uf, x8\tfn, å]ifk"0f{ sfo{ tyf
cft+ssf/L÷ljWj+zsf/L sfo{ ;DaGwL ;Dk'li6x? hf/L gu/] ;Dd x'nb+uf, x8\tfn, å]ifk"0f{ sfo{ jf cft+ssf/L÷laWj+zsf/L sfo{af6 ePsf] jf
36]sf] b'3{6gf, Iflt÷xflg–gf]S;fgL jf bfloTj aLdsn] Joxf]g]{ 5}g .

5
 kl/R5]b – ^ zt{x?

1= o; aLdfn]vsf] s'g} efudf k|of]u x'g] ljz]if cy{ ;lxtsf] zAb jf jfSof++zsf] cy{ hxfF h'g cj:yfdf k|of]u x'G5 ToxL dfGo x'g]5 .
2= o; aLdfn]v cGtu{t bfjL of]Uo s'g} b'3{6gf jf Iflt÷xflg–gf]S;fgL ePdf ;f]sf] ;"rgf lnlvt ?kdf cljnDa aLdsnfO{ lbg' kg]{5 .
To:tf] b'3{6gf af/] aLldtn] aLdsnfO{ cfjZos kg]{ ;Dk"0f{ hfgsf/L tyf ;xof]u pknAw u/fpg' kg]{5 . To:tf] b'3{6gf;+u ;DalGwt kq,
bfjL, Dofb, ;dfXjfg -l/6_ jf k|lqmof ;DaGwL hfgsf/L cflb aLldtnfO{ k|fKt x'g] lalQs} aLdsnfO{ x:tfGt/0f ug'{ kg]{5 . o; aLdfn]v
cGtu{t bfjL ug{ ;lsg] s'g} d'2f dfldnf, cg';Gwfg jf 3fpm÷rf]]6k6s -Fatal Injury_ sf] hfFra'´ ;DaGwdf aLldtnfO{ s'g} hfgsf/L
ePdf t'?Gt aLdsnfO{ lnlvt hfgsf/L lbg' kg]{5 . o; aLdfn]v cGtu{t bfjL ug{ ;lsg] s'g} rf]/L jf cGo kmf}}hbf/L s;"/sf]] ;DaGwdf
aLldtn] aLds tyf k|x/LnfO{ t'?Gt ;"rgf ug'{ kg]{5 / ck/fwL kQf nufpg ;xof]u ug'{ kg]{5 .
3= aLdssf] lnlvt cg'dlt glnO{ aLldt jf aLldtsf] tkm{af6 s'g } klg JolQmn] o; aLdfn]v cGtu{tsf] bfjL ;DaGwdf s'g} k|:tfj /fVg,
k|lt1f ug{, e'QmfgL lng÷lbg jf 5'6lbg ;Sg] 5}g . aLdsn] bfjLsf ;DaGwdf aLldtsf] tkm{af6 bfjL e'QmfgL ug{, ljjfb ;dfwfg ug{,
k|lt/Iff ug{, sf/jfxL rnfpg jf ax; k}/jL ug{ rfx]df aLds k"0f{ :jtGq /xg] 5 / aLldtn] o; ;DaGwL ;a} ;"rgf / ;xof]u aLdsn]
dfu] adf]lhd k|bfg ug'{ kg]{5 .
4= aLdssf] /f]hfO cg';f/ ;jf/L ;fwg jf ;f]df hl8t kf6{k"hf{ jf o;sf] s'g} efu jf kf6{k"hf{sf] dd{t, abnL jf gofF egf{ lbg jf
Iflt÷xflg–gf]S;fgL a/fa/sf] gub /sd e'Qmfg ug{ ;Sg]5 .
5= aLldtn] ;jf/L ;fwgnfO{ Iflt÷xflg–gf]S;fgL x'gaf6 ;'/lIft /fVg / 7Ls cj:yfdf sfod /fVg ;Dk"0f{ dgfl;a sbd ckgfpg' kg]{5 .
;jf/L ;fwg jf ;f]sf] s'g} kf6{k"hf{ jf rfns jf aLldtsf] s'g} sfdbf/sf] ljifodf hfFr ug{] clwsf/ aLdsnfO{ ;b}j /xg]5 . aLldtn]
b'3{6gf jf Iflt ePsf] cj:yfdf ;jf/L ;fwgnfO{ yk Iflt÷xflg–gf]S;fgL x'gaf6 hf]ufpg cfjZos tyf plrt x]/rfx / ;'/Iffsf] pkfo
ckgfpg' kg]{5 . b'3{6gf ePsf] ;jf/L ;fwg cfjZos dd{t gu/L rnfPsf] kl/0ffd :j?k ;jf/L ;fwgdf ePsf] yk Ifltsf] nflu aLldt
:jo+ lhDd]jf/ x'g]5 .
6= aLdsn] aLldtsf] clGtd 7]ufgfdf x'nfsaf6 /lhi6«L u/L k7fPsf] kGw| -!%_ lbgsf] ;"rgfåf/f of] aLdfn]v vf/]h ug{ ;Sg]5 / o;
cj:yfdf aLdsn] aLldtnfO{ of] aLdfn]v vf/]h ePsf] ldltn] afFsL cjlwsf] ;dfg'kflts aLdfz'Ns lkmtf{ ug]{5 .
7= aLldtsf] cg'/f]wdf s'g} klg ;dodf aLdfn]v /2 ug{ ;lsg]5 . o; cj:yfdf aLdfn]v sfod /x]sf] cjlwsf] lgldQ b]xfo adf]lhdsf]
5f]6f] cjlwsf] b/n] x'g cfpg] aLdfz'Ns /sd s§L u/L afFsL aLdfz'Ns aLdsn] lkmtf{ ug]{5 .
cjlw jflif{s aLdf z'Nssf] k|ltzt
-s_ Ps xKtf;Dd bz k|ltzt
-v_ Ps dlxgf;Dd aL; k|ltzt
-u_ b'O{ dlxgf;Dd tL; k|ltzt
-3_ tLg dlxgf;Dd rfnL; k|ltzt
-ª_ rf/ dlxgf;Dd krf; k|ltzt
-r_ kfFr dlxgf;Dd ;f¶L k|ltzt
-5_ 5 dlxgf;Dd ;Q/L k|ltztÍ
-h_ ;ft dlxgf;Dd c:;L k|ltzt
-em_ cf7 dlxgf;Dd gAa] k|ltzt
-`_ cf7 dlxgf eGbf al9sf] nflu ;t k|ltzt
t/ aLdfz'Ns lkmtf{ x'g] k|of]hgsf] nflu aLdfn]v jxfn /x]sf] cjlwe/ s'g} bfjL gePsf] x'g' kg]{5 .
8= o; aLdfn]vn] /Iffj/0f u/]sf] Iflt÷xflg–gf]S;fgL÷bfloTjsf] nflu aLldtn] cGo k|rlnt aLdfaf6 bfjL e'QmfgL kfpg] cj:yfdf
Iflt÷xflg–gf]S;fgL÷bfloTjsf] Ifltk"lt{ /sd jf cGo vr{ aLdfÍsf] cfwf/df ;dfg'kflts d"NoeGbf al9 e'Qmfg ug{ aLds afWo x'g] 5}g .
9= ;jf/L ;fwgsf] Iflt÷xflg–gf]S;fgL ePsf] cj:yfdf aLldt jf c? s'g} JolQmn] ;f]xL ;jf/L ;fwg c? aLds;+u klg aLdf u/fPsf] /x]5
eg] aLdsn] ;f] ;jf/L ;fwgsf] nflu Iflt÷xflg–gf]S;fgLsf] aLdfÍsf] cfwf/df ;dfg'kflts ?kn] lbg' kg]{ Ifltk"lt{ eGbf al9 lbg] 5}g .
10= o; aLdfn]vsf] tflnsfdf aLdf cjlw ;dfKt x'g] elg pNn]v ePsf] ldltdf :yfgLo ;do cg';f/ /ftsf] afx| ah] o; aLdfn]vsf] cjlw
;dfKt x'g]5 .
11= o; aLdfn]v cGtu{t hf]lvd axg ug{ z'? u/]sf] ldlt / ;do aLdfn]vsf] tflnsfdf pNn]v eP adf]lhd x'g]5 .
12= ;jf/L ;fwgsf] af/]df aLldtn] d"ne"t ljj/0f lb+bf em'¶f ljj/0f lbPdf jf hf]lvd cg'dfg ug{sf] nflu cfjZos kg]{ jf:tljstf n'sfO{
em'¶f ljj/0f pNn]v u/]df jf jf:tljstfsf] pNn]v ubf{ s'g} j:t'ut tYo 5'6x'g uPdf jf aLldtaf6 o; aLdfn]vsf] s'g} klg zt{ kfngf
gePdf o; aLdfn]v cGtu{t aLdsn] bfjL e'QmfgL ug]{ 5}g .
13= ;jf/L ;fwgsf] :jfldTj kl/jt{g ePdf To:tf] :jfldTj kl/jt{g ePsf] ldltaf6 k}+tL; -#%_ lbg leq ;jf/L ;fwgsf] gofF wgLn]
;DalGwt hf]lvdsf] aLdf gu/]df of] aLdfn]v :jtM lgliqmo x'g]5 . ;jf/L ;fwgsf] :jfldTjdf kl/jt{g cfPsf] sf/0fn] aLdfn]v lgliqmo
ePtf klg df]6/;fOsn rfns, k5f8L ;jf/ Ps JolQm -Pillion Rider_ tyf t]>f] kIf k|ltsf] bfloTjsf] nflu afFsL aLdf cjlwe/ aLdf
;'/Iff sfod} /x]sf] dflgg]5 / ;f]xL adf]lhd aLdsn] bfjL e'QmfgL ug]{5 .
14= aLldtn] ;jf/L ;fwg laqmL u/]sf] ldltn] k+}tL; -#%_ lbg leq aLdsnfO{ To;sf] lnlvt ;"rgf lbPdf aLdsn] b]xfo adf]lhd x'g] u/L
;jf/L ;fwgsf] gofF wgLsf] gfddf of] aLdfn]v gfd;f/L ul/lbg ;Sg]5 .
-s_ aLdfn]v gfd;f/Lsf] nflu ;jf/L ;fwgsf] gofF wgLn] oyflzw| aLDff k|:tfj kmf/fd eg'{ kg]{5 / aLdsn] ;Dk'li6 hf/L ul/ aLdfn]v
gfd;f/L ul/lbg ;Sg]5 .
-v_ aLldtn]] bfjL gu/] jfkt kfpg] 5'6kfPsf]df ;f] 5'6;jf/L ;fwgsf] gofF wgLn] kfpg] 5}g .

6
 -u_ v08 -s_ / -v_ df h'g;'s} s'/f n]lvPsf] ePtf klg k|rlnt sfg"g adf]lhd pQ/flwsf/Ldf :jfldTj :jtM x:tfGt/0f eO{ cfPsf]
cj:yfdf of] aLdfn]v :jtM x:tfGt/0f ePsf] dflgg]5 .
15= aLdssf] tkm{af6 /l;b hf/L geP;Dd aLdfz'Ns e'Qmfg ePsf]] dflgg] 5}g .
16= aLldt jf lghsf] tkm{af6 clwsf/ k|fKt JolQmn] cfjZos /Lt gk'¥ofPdf jf of] aLdfn]v cGtu{tsf] s'g} clwsf/ k|of]u ug{df afwf k' –
ofPdf of] aLdfn]v cGtu{tsf] ;a} nfeaf6 aLldt al~rt x'g]5 .
17= s'g} bfjL hfn;fhLk"0f{ ePdf jf bfjLsf] l;nl;nfdf em'¶f aofg lbO{ aLldtn] jf lghsf] tkm{af6 sfd ug]{ clwsf/ k|fKt s'g} JolQmn] of]
aLdfn]v cGtu{t s'g} cg'lrt nfe p7fpg vf]h]df jf hfgL hfgL aLldt–aLldt jf cGo s'g} JolQmsf] ldn]dtf]df s'g} Iflt÷xflg–
gf]S;fgLsf] 36gf 36fPdf aLldt of] aLdfn]v cGtu{tsf] ;a} nfeaf6 al~rt x'g]5 .
18= of] aLdfn]v cGtu{t Iflt÷xflg–gf]S;fgLsf] bfjL aLdsaf6 c:jLsf/ ePsf] tLg dlxgf leq s'g} gfln; ph"/ gu/]df jf aLdf P]g, @)$(
adf]lhd aLdf ;ldltn] aLdssf] kIfdf lg0f{o lbPsf] ldltn] k|rlnt sfg"gsf] Dofb leq k"g/fj]bg cbfntdf gfln;÷ph'/ gu/]df aLldt
of] aLdfn]v cGtu{tsf] ;a} nfeaf6 al~rt x'g]5 .
19= aLldtn] o; aLdfn]v cGtu{t Ifltk"lt{sf] e'QmfgL k|fKt ubf{ ;f] Iflt÷xflg–gf]S;fgLsf] cGo s'g} kIfaf6 Ifltk"lt{ k|fKt ug{ ;Sg] /x]5 eg]
To:tf] Ifltk"lt{ k|fKt ug]{ clwsf/ aLdsnfO{ ;'lDkg' kg]{5 . aLdsaf6 Ifltk"lt{ kfpg' cufj} jf kl5 h'g;'s} avt klg aLdsn] dgfl;j /
cfjZos b]v]sf] sfd sf/afxL aLdssf] vr{df aLldtn] ug'{ kg]{5 jf ;f] ug{ aLdsnfO{ cg'dlt lbg' kg{]5 .
20= bfjL e'QmfgL k|s[ofdf /x]sf] jf d'NtjL /x]sf] cj:yfdf afx]s Iflt÷xflg–gf]S;fgL ePsf] ldltn] tLg dlxgf kl5 aLds s'g} klg
Iflt÷xflg–gf]S;fgLsf] nflu pQ/bfoL x'g]5}g .
21= of] aLdfn]vsf zt{x? adf]lhd aLdsnfO{ lbOg] k|To]s ;"rgf tyf cGo n]vfk9L lnlvt jf d'lb|t x'g' kg]{5 .
22= of] aLdfn]v cGtu{t k/]sf] bfjL Plsg ug{ cfjZos k|df0f h'6fpg] bfloTj aLldtsf] x'g]5 .
23= o; aLdfn]v cGtu{t aLdf bfjL ;DaGwL s'g} ljjfb pTkGg ePdf aLdf P]g, @)$( adf]lhd x'g]5 .

kl/R%]b – 7 ;Dk'li^
!_ :j]R5Ls clws (Voluntary Excess) ;DaGwL ;Dk'i6L
-s_ of] :jLsf/ tyf dGh'/ ul/G5 sL of] ;Dk'i6L ;DalGwt aLdfn]v;+u ;+nUg eO{ ;f] sf] cleGg c+u x'g]5 .
-v_ aLdfn]vsf] tflnsfdf pNn]v ePsf] aLdf z'Nsdf ljz]if 5'6 lbPsf] cj:yfdf ;jf/L ;fwg jf To;sf] kf6{k"hf{ jf b'j}sf] xflg–
gf]S;fgL eP jfkt s'g} klg k|sf/sf] bfjLsf] Ifltk"lt{ jfkt klxnf] /sd -aLdfn]vsf] cg';"rLdf pNn]v u/] adf]lhd_ e'QmfgL ug]{
bfloTj jLdssf] x'g] 5}g .
-u_ aLdsåf/f ul/Psf] vr{df aLldtsf] bfloTj cGtu{tsf] vr{ ;d]t hf]l8Psf] /x]5 eg] To:tf] vr{ jfktsf] /sd aLldtn] aLdsnfO{
zf]wegf{ ug'{ kg]{5 .
-3_ aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .
@_ clgjfo{ clws (Compolsary Excess) ;DaGwL ;Dk'i6L
-s_ of] :jLsf/ tyf dGh'/ ul/G5 sL of] ;Dk'i6L ;DalGwt aLdfn]v;+u ;+nUg eO{ ;f] sf] cleGg c+u x'g]5 .
-v_ aLdfn]vsf] kl/R5]b–! adf]lhd lbOg] s'g} klg k|sf/sf] bfjL /sd jfkt aLdfn]vsf] tflnsfdf pNn]v eP adf]lhd -aLdfn]vsf]
cg';"rLdf pNn]v u/] adf]lhd_ clgjfo{ clws jfktsf] /sd e'QmfgL ug{] bfloTj aLdssf] x'g] 5}g . t/ k"0f{ Iflt ePsf] cj:yfdf
s'g} klg clws s§f ug{ kfOg] 5}g .
-u_ aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .
#_ t]>f] kIf k|ltsf] bfloTj aLdf ;DaGwL ;Dk'i6L
-s_ of] :jLsf/ tyf dGh'/ ul/G5 sL of] ;Dk'i6L ;DalGwt aLdfn]v;+u ;+nUg eO{ ;f] sf] cleGg c+u x'g]5 .
-v_ aLdfn]vsf] kl/R5]b–! nfu" x'g] 5}g .
-u_ aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .
$_ eG;f/ dx;'n gnfu]sf] jf sd nfu]sf] ;jf/L ;fwg aLdf ;DaGwL ;Dk'i6L
-s_ of] :jLsf/ tyf dGh'/ ul/G5 sL of] ;Dk'i6L ;DalGwt aLdfn]v;+u ;+nUg eO{ ;f] sf] cleGg c+u x'g]5 .
-v_ aLdfn]vdf h'g;'s} s'/f n]lvPsf] eP tfklg eG;f/ dx;"n gnfu]sf] jf sd nfu]sf] ;jf/L ;fwgsf] ahf/ d"No adf]lhd jf eG;f/
dx;"n 5'6ul/Psf] d"No adf]lhd 3f]lift d"No sfod ug{ ;lsg]5 .
-u_ ;jf/L ;fwgsf] 3f]lift d"No sfod ubf{ b]xfo adf]lhd ePsf] cj:yfdf b]xfo adf]lhd x'g]5 M
-s_ ahf/ d"No adf]lhd 3f]lift d"No sfod ul/Psf]df,
-c_ ;jf/L ;fwgsf] cf+lzs Iflt ePsf] cj:yfdf aLdsn] cGo ;jf/L ;fwg ;/x Ifltk"lt{ k|bfg ug]{5 .
-cf_ ;jf/L ;fwgsf] k"0f{ Iflt jf nlIft k"0f{ Iflt ePsf] cj:yfdf aLdssf] bfloTj ;dfg'kflts ?kdf /2L -Salvage_ tyf
dx;"n s§L d'No a/fa/sf] x'g]5 .
t/ aLldtn] dx;"n r'Qmf ug{ / /2L -Salvage_ lkmtf{ ug{ rfx]df ahf/ d"No a/fa/sf] /sd aLdsn] e'QmfgL lbg]5 /
o:tf] /sd 3f]lift d"No eGbf a9L x'g] 5}g .
-v_ eG;f/ 5'6 ePsf] d"No adf]lhd 3f]lift d"No sfod ul/Psf]df,
-c_ ;jf/L ;fwgsf] cf+lzs Iflt ePsf] cj:yfdf aLdssf] bfloTj 3f]lift d"No / ahf/ d"Nosf] ;dfg'kflts d"No a/fj/ x'g]5
cyf{t cf};t zt{ -Average Clause_ nfu" x'g]5 .
-cf_ ;jf/L ;fwgsf] k"0f{ Iflt jf nlIft k"0f{ Iflt ePsf] cj:yfdf aLdssf] bfloTj 3f]lift d"No a/fj/ x'g]5 .
-$_ aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .
7
%_ x8tfn, x'nb+uf tyf å]ifk"0f{ -l/;OjL_ sfo{ aLdf ;DaGwL ;Dk'i6L
-s_ of] :jLsf/ tyf dGh'/ ul/G5 sL of] ;Dk'i6L ;DalGwt aLdfn]v;+u ;+nUg eO{ ;f] sf] cleGg c+u x'g]5 .
-v_ cltl/Qm aLdfz'Ns e'QmfgLsf] cfwf/df aLdf ePsf] ;jf/L ;fwg ;DaGwdf x8tfn, x'nb+uf tyf å]ifk"0f{ -l/;OjL_ sfo{af6 ePsf]
xflg–gf]S;fgL aLdsn] axg ug]{5 .
-u_ ljb]zL zq'sf] sfo{åf/f ePsf] o'4, cfqmd0f jf o:t} ;dfg sfo{, u[xo'4, lab|f]x, gful/s pkb|j, ;}lgs ultljlwsf] c;/, gful/s
lab|f]x, qmflGt, /fHo lj?4 sfo{, ljWj+zfTds sfo{, ;}lgs lab|f]x jf s'g} /fhg}lts bn jf ;+:yfsf] kIfdf ePsf] an k|of]uaf6 x'g]
cft+s jf czflGt h:tf ultljlwaf6 ePsf] xflg–gf]S;fgLdf aLdssf] s'g} bfloTj x'g] 5}g .
-3_ pkbkmf -#_ adf]lhdsf] sf/0faf6 ePsf] s'g} klg bfjLnfO{ ;f] sf/0faf6 geO{ c? g} sf/0faf6 ;[hgf ePsf] eGg] s'/f k|dfl0ft ug]{
bfloTj aLldtsf] x'g]5 . ;f] s'/f aLldtaf6 k|dfl0ft x'g g;s]sf] cj:yfdf o; k|sf/sf] bfjLsf] e'QmfgL lbg aLds lhDd]jf/ x'g]
5}g .
-ª_ aLdfn]vdf h'g;'s} s'/f n]lvPsf] eP tfklg aLdfsf] cjlw ;dfKt x'g' cufj} aLldtn] of] ;Dk'i6Lsf] k|efj x6fOof]; egL cg'/f]w
u/]sf] cj:yfdf yk aLdf z'Ns jf ;f] sf] s'g} c+z lkmtf{ ul/g] 5}g . t/ of] ;Dk'i6L / ;jf/L ;fwg ;DaGwL aLdfn]v Ps} ;fy
;dfKt x'g] cj:yfdf v'b aLdf z'Nsaf6 5f]6f] cjlwsf] nflu nfUg] aLdf z'Ns /sd s§L u/L afFsL /sd lkmtf{ ul/g]5 / o; hf]lvd
jfkt k|To]s ;jf/L ;fwgsf] nflu lnOg] Go"gtd aLdf z'Ns Ps ;o ?k}ofF eGbf 36L x'g] 5}g .
-r_ aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .
^_ cft+ssf/L tyf ljWj+;fTds sfo{ hf]lvd aLdf ;DaGwL ;Dk'i6L
-s_ of] :jLsf/ tyf dGh'/ ul/G5 sL of] ;Dk'i6L ;DalGwt aLdfn]v;+u ;+nUg eO{ ;f] sf] cleGg c+u x'g]5 .
-v_ cltl/Qm aLdfz'Ns e'QmfgLsf] cfwf/df aLdf ePsf] ;jf/L ;wfg ;DaGwdf cft+ssf/L tyf ljWj+;fTds sfo{ hf]lvdaf6 ePsf] xflg–
gf]S;fgLsf] Ifltk"lt{sf] e'QmfgL aLdsn] ug]{5 .
-u_ aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .
&_ cltl/Qm vt/fhGo (Extra Hazardious) sfd ug{ lgif]w ;DaGwL ;Dk'i6L
-s_ of] :jLsf/ tyf dGh'/ ul/G5 sL of] ;Dk'i6L ;DalGwt aLdfn]v;+u ;+nUg eO{ ;f] sf] cleGg c+u x'g]5 .
-v_ aLdf ul/Psf] ;jf/L ;fwg jf ;f] sf] kf6{k"hf{ jf To;df ;+nUg cltl/Qm vt/fk"0f{ k|s[ltsf] sfdsf] sf/0faf6 b'3{6gf eO{ x'g] xflg–
gf]S;fgLsf] Ifltk"lt{ ug{ aLds jfWo x'g] 5}g .
-u_ aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .
*_ kf6{k"hf{ km]/jbn ;DaGwL ;Dk'i6L
-s_ of] :jLsf/ tyf dGh'/ ul/G5 sL of] ;Dk'i6L ;DalGwt aLdfn]v;+u ;+nUg eO{ ;f] sf] cleGg c+u x'g]5 .
-v_ aLdfn]vdf h'g;'s} s'/f n]lvPsf] eP tfklg s'g} ;jf/L ;fwg xflg–gf]S;fgL ePsf] cj:yfdf To:tf] ;jf/L ;fwgnfO{ cfjZos kg]{
kf6{k"hf{ b]z leq pknAw x'g g;s]df aLdsn] aLdfn]vsf] zt{sf] clwgdf /xL b]xfo adf]lhd e'QmfgL lbg]5 M
-c_ ;aeGbf kl5Nnf] d"No–;"rL -Catalouge_ df pNn]v ePsf] d"No tyf h'g b]zdf ;jf/L ;fwg dd{tsf] nflu /flvPsf] 5 To;
b]zsf] nflu To:tf] ;jf/L ;fwg pTkfbg ug]{ sDkgLsf] k|ltgLlwn] ljt/0f u/]sf] d"No–;"rL -Catalouge_ adf]lhd,
-cf_ kl5Nnf] d"No–;"rL -Catalouge_pknAw gePdf plrt 9'jfgL vr{ -xjfO{ 9'jfgL afx]s_ ;lxt cl3Nnf] d"No–;"rL -Catalouge_
adf]lhd,
-O_ To:tf kf6{k"hf{x? h8fg ug{ nfUg] plrt vr{ .
-u_ aLdfn]vdf plNnlvt cGo ckjfb, zt{ / ;Ldfx? oyfjt /xg] 5g\ .

MCY 19/08/2020 12/2022-10000