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Note : A brief snapshot about the policy is given.For complete information refer to policy wordings or visit our nearest branch office.

Motor vehicle which includes private cars Motorised Two wheelers and Commercial vehicles excluding vehicles running on rails.

i· Owners of the vehicle Financiers or Lessee who have insurable interest in a motor vehicle.

(a) In case of vehicle not exceeding 5 years of age the IDV has to be arrived at by applying the percentage of depreciation specified in the tariff on the showroom price of the particular make and model of the vehicle.

(b) In case of vehicles exceeding 5 years of age and Obsolete models (manufacture of those vehicles which have been stopped by the manufacturers) they have to be insured for the prevailing market value of the same as agreed to between the insurer and the insured.

Package Policy - Section I

Section I of package policy covers loss or damage to the vehicle and / or accessories due to

None of the above perils can be excluded from the scope of a policy.

Package Policy - Section II

The following are payable under Section II of the Package Policy subject to the limit of liability laid down in the Motor Vehicles Act :

Liability only policy :

Discounts

A discount of 25% on the OD rates is available. Policies issued covering these vehicles are Agreed Value Policies.

Ranging from 20% to 50% depending on the number of claim free years.

Discount of 5% on the Own Damage premium subject to a maximum of Rs. 200/- for private cars and Rs. 50/- for Motorised Two wheelers only.

A discount of 2.5% on the OD component of premium subject to a maximum of Rs. 200/-. Device approved by the ARAI Pune - installation of the same in vehicle certified by the Automobile Association of India.

A discount of 33 1/1 % on the tariff rates is permissible.

Additional premium is payable to extend the cover under the Package and Liability Only policies in case of the following :

a) Bangladesh b) Bhutan c) Nepal d) Pakistan e) Sri Lanka f) Maldives by charging additional premium of Rs. 500/- per vehicle in case of package policy and Rs.100/- per vehicle in case of Liability only Policy.

Electrical / Electronic Fittings which do not form part of the vehicle manufactured and imported have to be specifically covered separately by paying additional premium of 4% on the value of such fittings.

Vehicles fitted with CNG/LPG Bi-fuel kits have to be separately declared and premium is chargeable at 4% on the value of such kit.

An additional premium of Rs.50/- for OD cover for all vehicles except Miscellaneous Type of Commercial Vehicles : for Miscellaneous Type of Commercial Vehicle it is Rs. 100/-.

In case of change of ownership please ensure to effect the transfer of Insurance policy within 14 days from the date of transfers of ownership.

A vehicle can be substituted by another vehicle for the same class for the balance period of a policy subject to adjustment of premium if any on prorata basis from the date of substitution.

Add-on Covers for Private Car Package Policy

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