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Car Insurance Online: Buy/Renew Car Insurance Policy 


Car Insurance Online: Buy/Renew Car Insurance Policy  In 2021


 IMT. 3. TRANSFER OF INTEREST It is hereby understood and agreed that as from ....../....../.......... the interest in the policy is transferred to and vested in .......of ....... carrying on or engaged in the business or profession of ...... who shall be deemed to be the insured and whose proposal and declaration dated ...... /........./............. shall be deemed to be incorporated in and to be the basis of this contract. Provided always that for the purpose of the No Claim Bonus, no period during which the interest in this policy has been vested in any previous Insured shall accrue to the benet of ..... Subject otherwise to the terms exceptions conditions and limitations of this policy. IMT. 4. CHANGE OF VEHICLE It is hereby understood and agreed that as from ...... /........./............. the vehicle bearing Registration Number ...... is deemed to be deleted from the Schedule of the Policy and the vehicle with details specied hereunder is deemed to be included therein

driver subject to compliance of provisions of the policy relating to this cover. Save as by this Endorsement expressly agreed nothing herein shall modify or affect the rights and liabilities of the insured or the insurer respectively under or in connection with this Policy. Subject otherwise to the terms exceptions conditions and limitations of this policy. IMT. 7. VEHICLES SUBJECT TO HYPOTHECATION AGREEMENT It is hereby declared and agreed that the vehicle insured is pledged to / hypothecated with................... (hereinafter referred to as the Pledgee) and it is further understood and agreed that the Pledgee is interested in any monies which but for this Endorsement would be payable to the insured under this policy in respect of such loss or damage to the vehicle insured as cannot be made good by repair and / or replacement of parts and such monies shall be paid to the Pledgee as long as they are the Pledgee of the vehicle insured and their receipt shall be a full and nal discharge to the insurer in respect of such loss or damage. It is further declared and agreed that for the purpose of the Personal Accident Cover for the owner-driver granted under this policy, the insured named in the policy will continue to be deemed as the owner-driver subject to compliance of provisions of the policy relating to this cover. Save as by this Endorsement expressly agreed that nothing herein shall modify or affect the rights or liabilities of the Insured or the Insurer respectively under or in connection with this Policy or any term, provision or condition thereof. Subject otherwise to the terms exceptions conditions and limitations of this policy. IMT. 8. DISCOUNT FOR MEMBERSHIP OF RECOGNISED AUTOMOBILE ASSOCIATIONS (private Cars And Motorised Two Wheelers Only) It is hereby understood and agreed that in consideration of insured.s membership of ......** a discount in premium of ` .......* is allowed to the insured hereunder from ...../....../......... It is further understood and agreed that if the insured ceases to be a member of the above mentioned association during the currency of this Policy the insured shall immediately notify the insurer accordingly and refund to the insurer a proportionate amount of the discount allowed on this account for the unexpired period of the cover. Subject otherwise to the terms exceptions conditions and limitations of the policy * For full policy period, the full tariff discount to be inserted. For mid-term membership, prorata proportion of the tariff discount for the unexpired policy period is to be inserted. ** Insert name of the concerned Automobile Association. IMT. 9. DISCOUNT FOR VINTAGE CARS (Applicable to Private Cars only) It is hereby understood and agreed that in consideration of the insured car having been certied as a Vintage Car by the Vintage and Classic Car Club of India, a discount of `.................* is allowed to the insured from ....../......./.................. Subject otherwise to the terms exceptions conditions and limitations of the policy *Amount calculated as per tariff provision is to be inserted. For mid-term certication as Vintage Car pro-rata proportion of tariff discount for the unexpired period is to be inserted. IMT. 10. INSTALLATION OF ANTI-THEFT DEVICE (Not applicable to Motor Trade Policies) In consideration of certication by .................* that an Anti-Theft device approved by Automobile Research Association of India (ARAI), Pune has been installed in the vehicle insured herein a premium discount of `....................** is hereby allowed to the insured. It is hereby understood and agreed that the insured shall ensure at all times that this Anti-theft device installed in the vehicle insured is maintained in efcient condition till the expiry of this policy. Subject otherwise to the terms, exceptions, conditions and limitations of the policy * The name of the certifying Automobile Association is to be inserted. ** Premium discount calculated as per tariff provision is to be inserted. For mid-term certication of installation of Anti Theft device pro-rata proportion of tariff discount for the unexpired period is to be inserted.

Regd No.

Engine/ Chassis No.

Make Type of Body

C.C. Year of Manufacture 

Seating Capacity Including Driver

IDV

In consequence of this change, an extra / refund premium of `.......................... is charged/ allowed to the insured. Subject otherwise to the terms exceptions conditions and limitations of this Policy. IMT. 5. HIRE PURCHASE AGREEMENT It is hereby understood and agreed that .................. (hereinafter referred to as the Owners) are the Owners of the vehicle insured and that the vehicle insured is subject of an Hire Purchase Agreement made between the Owners on the one part and the insured on the other part and it is further understood and agreed that the Owners are interested in any monies which but for this Endorsement would be payable to the insured under this policy in respect of such loss or damage to the vehicle insured as cannot be made good by repair and / or replacement of parts and such monies shall be paid to the Owners as long as they are the Owners of the vehicle insured and their receipt shall be a full and nal discharge to the insurer in respect of such loss or damage. It is further declared and agreed that for the purpose of the Personal Accident Cover for the owner-driver granted under this policy, the insured named in the policy will continue to be deemed as the owner-driver subject to compliance of provisions of the policy relating to this cover. Save as by this Endorsement expressly agreed nothing herein shall modify or affect the rights and liabilities of the insured or the insurer respectively under or in connection with this Policy. Subject otherwise to the terms exceptions conditions and limitations of this policy. IMT. 6. LEASE AGREEMENT It is hereby understood and agreed that .............. (hereinafter referred to as the Lessors) are the Owners of the vehicle insured and that the vehicle insured is the subject of a Lease Agreement made between the Lessor on the one part and the insured on the other part and it is further understood and agreed that the Lessors are interested in any monies which but for this Endorsement would be payable to the insured under this policy in respect of such loss or damage to the vehicle insured as cannot be made good by repair and / or replacement of parts and such monies shall be paid to the Lessors as long as they are the Owners of the vehicle insured and their receipt shall be a full and nal discharge to the insurer in respect of such loss or damage. It is also understood and agreed that notwithstanding any provision in the Leasing Agreement to the contrary, this policy is issued to the insured namely ...... as the principal party and not as agent or trustee and nothing herein contained shall be construed as constituting the insured an agent or trustee for the Lessors or as an assignment (whether legal or equitable) by the insured to the Lessors, of his rights benets and claims under this policy and further nothing herein shall be construed as creating or vesting any right in the Owner/Lessor to sue the insurer in any capacity whatsoever for any alleged breach of its obligations hereunder. It is further declared and agreed that for the purpose of the Personal Accident Cover for the owner-driver granted under this policy, the insured named in the policy will continue to be deemed as the owner

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Nature of injury

Scale of compensation Death 100% Loss of two limbs or sight of two eyes or one limb and sight of one eye. 100% Loss of one limb or sight of one eye 50%

100%

Permanent total disablement from injuries other than named above.

NB.2. * The proportionate full policy premium for the period of lay up less the proportionate premium for the Fire and /or Theft risks for the lay up periods is to be inserted. NB.3 ** The proportionate premium required for Fire and / or Theft cover for the vehicle for the laid up period is to be inserted . IMT. 12. DISCOUNT FOR SPECIALLY DESIGNED/MODIFIED VEHICLES FOR THE BLIND, HANDICAPPED AND MENTALLY CHALLENGED PERSONS. Notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the vehicle insured being specially designed / modied for use of blind, handicapped and mentally challenged persons and suitable endorsement to this effect having been incorporated in the Registration Book by the Registering Authority, a discount of 50% on the Own Damage premium for the vehicle insured is hereby allowed to the insured. Subject otherwise to the terms exceptions conditions and limitations of the policy. IMT. 13. USE OF VEHICLE WITHIN INSURED'S OWN PREMISES (Applicable to all classes except as otherwise provided in the tariff) It is hereby understood and agreed that the insurer shall not be liable in respect of the vehicle insured while the vehicle is being used elsewhere than in the insured's premises except where the vehicle is specically required for a mission to ght a re. For the purposes of this endorsement. Use conned to own premises. shall mean use only on insured's premises to which public have no general right of access. IMT. 14. USE OF VEHICLE CONFINED TO SITES (Applicable to Goods Carrying Vehicles) It is hereby understood and agreed that the insurer shall not be liable in respect of the vehicle insured while it is being used elsewhere than on site to which the public have no general right of access and the vehicle is not required to be registered under the Motor Vehicles Act, 1988. IMT. 15. PERSONAL ACCIDENT COVER TO THE INSURED OR ANY NAMED PERSON OTHER THAN PAID DRIVER OR CLEANER (Applicable to private cars including three wheelers rated as private cars and motorized two wheelers with or without side car [not for hire or reward]) In consideration of the payment of an additional premium it is hereby agreed and understood that the Company undertakes to pay compensation on the scale provided below for bodily injury as hereinafter dened sustained by the insured person in direct connection with the vehicle insured or whilst mounting and dismounting from or traveling in vehicle insured and caused by violent accidental external and visible means which independently of any other cause shall within six calendar months of the occurrence of such injury result in:

IMT. 11.A. VEHICLES LAID UP ( Lay up period declared ) Notwithstanding anything to the contrary contained herein it is hereby understood and agreed that from ..../..../....... to...../..../....... the vehicle insured is laid up in garage and not in use and during this period all liability of the insurer under this policy in respect of the vehicle insured is suspended SAVE ONLY IN RESPECT OF LOSS OR DAMAGE TO THE SAID VEHICLE CAUSED BY FIRE EXPLOSION SELF-IGNITION OR LIGHTNING OR BURGLARY, HOUSEBREAKING, THEFT OR RIOT STRIKE MALICIOUS DAMAGE TERRORISM OR STORM TEMPEST FLOOD INUNDATION OR EARTHQUAKE PERILS, in consideration whereof 1. # The insurer will deduct from the next renewal premium the sum of `.......* and the No Claim Bonus (if any) shall be calculated on the next renewal premium after deduction of such sum. 2. # The period of insurance by this policy is extended to ...../....../..... in view of the payment of an additional premium of ` ........** Subject otherwise to the terms exceptions conditions and limitations of this policy. NB.1. # To delete (a) or (b) as per option exercised by the insured. NB.2. *The proportionate full policy premium for the period of lay up less the proportionate premium for the Fire and /or Theft risks for the lay up periods is to be inserted. NB.3 ** The proportionate premium required for Fire and / or Theft cover for the vehicle for the laid up period is to be inserted. NB.4. In case of Liability Only Policies the words in CAPITALS should be deleted. NB.5. In case of policies covering Liability Only and 1. Fire risks, the words `BURGLARY HOUSEBREAKING OR THEFT ` are to be deleted; 2. Theft risks, the words. `FIRE EXPLOSION SELF IGNITION OR LIGHTNING ` are to be deleted. 3. Fire and Theft risks no part of the words in capitals are to be deleted. IMT. 11. B. VEHICLES LAID UP (Lay up period not declared) Notwithstanding anything to the contrary contained herein it is hereby understood and agreed that as from ... /.../... the vehicle no. .... insured hereunder is laid up in garage and not in use and liability of the insurer under this policy in respect of the said vehicle is suspended SAVE ONLY IN RESPECT OF LOSS OR DAMAGE TO THE SAID VEHICLE CAUSED BY FIRE EXPLOSION SELF-IGNITION OR LIGHTNING OR BURGLARY, HOUSEBREAKING, THEFT OR RIOT STRIKE MALICIOUS DAMAGE TERRORISM OR STORM TEMPEST FLOOD INUNDATION OR EARTHQUAKE PERILS. Subject otherwise to the terms exceptions conditions and limitations of this Policy. NB.1. In case of Liability Only Policies the words in CAPITALS should be deleted. NB.2. In case of policies covering Liability Only and 1. Fire risks, the words `BURGLARY HOUSEBREAKING OR THEFT ` are to be deleted; 2. Theft risks, the words `FIRE EXPLOSION SELF IGNITION OR LIGHTNING ` are to be deleted. 3. Fire and Theft risks no part of the words in capitals are to be deleted. IMT. 11.C. TERMINATION OF THE UNDECLARED PERIOD OF VEHICLE LAID UP It is hereby understood and agreed that the insurance by this Policy in respect of vehicle no. ..... insured hereunder is reinstated in full from .../../.. and the Endorsement IMT 11(B) attaching to this policy shall be deemed to be cancelled. It is further agreed that in consideration of the period during which the vehicle no. ......... has been out of use 1. # The insurer will deduct from the next renewal premium the sum of `.........* and the No Claim Bonus (if any) shall be calculated on the next renewal premium after deduction of such sum. 2. # the period of insurance by this policy is extended to ..../....../....... in view of the payment of an additional premium of ` ........** Subject otherwise to the terms exceptions conditions and limitations of this policy. NB.1. # To delete (a) or (b) as per option exercised by the insured.

Provided always that 1. Compensation shall be payable under only one of the items (i) to (iv) above in respect of any such person arising out of any one occurrence and total liability of the insurer shall not in the aggregate exceed the sum of `........* during any one period of insurance in respect of any such person. 2. No compensation shall be payable in respect of death or injury directly or indirectly wholly or in part arising or resulting from or traceable to (a) intentional self injury suicide or attempted suicide physical defect or inrmity or (b) an accident happening whilst such person is under the inuence of intoxicating liquor or drugs. 3. Such compensation shall be payable only with the approval of the insured named in the policy and directly to the injured person or his/her legal representative(s) whose receipt shall be a full discharge in respect of the injury of such person. Subject otherwise to the terms exceptions conditions and limitations of this policy.

(ii) 

(iii) (iv) 

 (i) 

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IMT. 16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS OTHER THAN INSURED AND THE PAID DRIVER AND CLEANER {For vehicles rated as Private cars and Motorised two wheelers (not for hire or reward) with or without side car}

Nature of injury

Scale of compensation Death 100% Loss of two limbs or sight of two eyes or one limb and sight of one eye 100% Loss of one limb or sight of one eye 50%

100%

Provided always that 1. 

2. 

3. 

4. 

* The Capital Sum Insured (CSI) per passenger is to be inserted. ** The registered sitting capacity of the vehicle insured is to be inserted. IMT. 17. PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND CONDUCTORS: (Applicable to all classes of vehicles)

Nature of injury

Scale of compensation Death 100% Loss of two limbs or sight of two eyes or one limb and sight of one eye 100% Loss of one limb or sight of one eye 50%

100%

* The Capital Sum Insured (CSI) per passenger is to be inserted.

Compensation shall be payable under only one of the items (i) to (iv) above in respect of any such person arising out of any one occurrence and total liability of the insurer shall not in the aggregate exceed the sum of `............* during any one period of insurance in respect of any such person.

2. 

3. 

Subject otherwise to the terms exceptions conditions and limitations of this policy. * The Capital Sum Insured (CSI) per person is to be inserted. IMT. 18. PERSONAL ACCIDENT TO UNNAMED HIRER AND UNNAMED PILLION PASSENGERS (Applicable to Motorised Two wheelers with or without side Car)

Nature of injury

Death 100%

100%

Loss of one limb or sight of one eye 50%

100%

Provided always that

* Delete if P.A. cover for unnamed pillion /side car passenger is not taken. ** The Capital Sum Insured (CSI) per passenger is to be inserted. IMT. 19. COVER FOR VEHICLES IMPORTED WITHOUT CUSTOMS DUTY 

In consideration of the payment of an additional premium it is hereby understood and agreed that the insurer undertakes to pay compensation on the scale provided below for bodily injuries hereinafter dened sustained by any passenger other than the insured and/or the paid driver attendant or cleaner and/or a person in the employ of the insured coming within the scope of the Workmens Compensation Act, 1923 and subsequent amendments of the said Act and engaged in and upon the service of the insured at the time such injury is sustained whilst mounting into, dismounting from or traveling in the insured motor car and caused by violent, accidental, external and visible means which independently of any other cause shall within three calendar months of the occurrence of such injury result in : 

Permanent total disablement from injuries other than named above

Compensation shall be payable under only one of the items (i) to (iv) above in respect of any such person arising out of any one occurrence and total liability of the insurer shall not in the aggregate exceed the sum of `......................* during any one period of insurance in respect of any such person. No compensation shall be payable in respect of death or injury directly or indirectly wholly or in part arising or resulting from or traceable to (a) intentional self injury suicide or attempted suicide physical defect or inrmity or (b) an accident happening whilst such person is under the inuence of intoxicating liquor or drugs. Such compensation shall be payable only with the approval of the insured named in the policy and directly to the injured person or his/her legal representative(s) whose receipt shall be a full discharge in respect of the injury of such person. Not more than .................** persons/passengers are in the vehicle insured at the time of occurrence of such injury. Subject otherwise to the terms exceptions conditions and limitations of this policy.

Permanent total disablement from injuries other than named above

No compensation shall be payable in respect of death or injury directly or indirectly wholly or in part arising or resulting from or traceable to (a) intentional self injury suicide or attempted suicide physical defect or inrmity or (b) an accident happening whilst such person is under the inuence of intoxicating liquor or drugs. Such compensation shall be payable only with the approval of the insured named in the policy and directly to the injured person or his/her legal representative(s) whose receipt shall be a full discharge in respect of the injury of such person.

In consideration of the payment of an additional premium it is hereby understood and agreed that the insurer undertakes to pay compensation to any unnamed hirer/ driver/any unnamed pillion/ sidecar passenger* on the scale provided below for bodily injury caused by violent, accidental, external and visible means whilst mounting into/onto and/or dismounting from or traveling in/on the vehicle insured which independently of any other cause shall within three calendar months of the occurrence of such injury results in :

Loss of two limbs or sight of two eyes or one limb and sight of one eye

Permanent total disablement from injuries other than named above

Scale of compensation

In consideration of the payment of an additional premium, it is hereby understood and agreed that the insurer undertakes to pay compensation on the scale provided below for bodily injury as hereinafter dened sustained by the paid driver/cleaner/conductor in the employ of the insured in direct connection with the vehicle insured whilst mounting into dismounting from or traveling in the insured vehicle and caused by violent accidental external and visible means which independently of any other cause shall within six calendar months of the occurrence of such injury result in : 

1.  Compensation shall be payable under only one of the items (i) to (iv) above in respect of any such person arising out of any one occurrence and total liability of the insurer shall not in the aggregate exceed the sum of `........................** during any one period of insurance in respect of any such person. 2. No compensation shall be payable in respect of death or injury directly or indirectly wholly or in part arising or resulting from or traceable to (a) intentional self injury suicide or attempted suicide physical defect or inrmity or (b) an accident happening whilst such person is under the inuence of intoxicating liquor or drugs. 3. Such compensation shall be payable only with the approval of the insured named in the policy and directly to the injured person or his/her legal representative(s) whose receipt shall be a full discharge in respect of the injury of such person. 4. Not more than ................. persons/ passengers are in the vehicle insured at the time of occurrence of such injury. Subject otherwise to the terms exceptions conditions and limitations of this policy.

Notwithstanding anything to the contrary contained in this policy it is hereby understood and agreed that in the event of loss or damage to the vehicle insured and/or its accessories necessitating the supply of a part not obtainable from stocks held in the country in which the vehicle insured is held for repair or in the event of the insurer exercising the option under ...., * to pay in cash the amount of the loss or damage the liability of the insurer in respect of any such part shall be limited to :

1. Provided always that

(ii) 

(iii) (iv) 

 (i) 

(ii) 

(iii) (iv) 

 (i) 

(ii) 

(iii) (iv) 

 (i) 

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If no such catalogue or price list exists the price list obtaining at the Manufacturers Works plus the reasonable cost of transport otherwise than by air to the country in which the vehicle insured is held for repair and the amount of the relative import duty less  depreciation applicable under the Policy; and 2.  The reasonable cost of tting such parts. Subject otherwise to the terms conditions limitations and exceptions of this Policy.

IMT. 20. REDUCTION IN THE LIMIT OF LIABILITY FOR PROPERTY DAMAGE

IMT. 22. A. VOLUNTARY DEDUCTIBLE (For private cars/motorized two wheelers other than for hire or reward)

*  Insert Condition 3 in the case of the Private Car and Motorsied Two Wheeler Policies and Condition 4. in the case of Commercial Vehicles Policy.

It is hereby understood and agreed that notwithstanding anything to the contrary contained in the policy the insurers liability is limited to ` 6000/(Rupees six thousand only) for damage to property other than the property belonging to the insured or held in trust or in custody or control of the insured. In consideration of this reduction in the limit of liability a reduction in premium of `..................* is hereby made to the insured. Subject otherwise to the terms conditions limitations and exceptions of the policy. * To insert ` 50 for Two wheelers, 100 for private cars `150 for Commercial Vehicles three wheelers and taxis or ` 200 for Commercial Vehicles (excluding three wheelers and taxis).

For the purpose of this Endorsement the expression ´event´ shall mean an event or series of events arising out of one cause in connection with the vehicle insured in respect of which indemnity is provided under this policy. Subject otherwise to the terms conditions limitations and exceptions of this Policy. *1. To insert amount as appropriate to the class of vehicle insured as per GR.40 of the tariff. 2.  In respect of a vehicle rated under the Tariff for Private Car and in respect of a motorised two wheeler not carrying passengers for hire or reward, if any deductible in addition to the compulsory deductible provided in this endorsement is voluntarily borne by the insured, the sum representing the aggregate of the compulsory and the voluntary deductibles is to be inserted. ** to insert Condition no 3 in respect of a vehicle rated under Tariff for Private Car / Two wheelers or Condition no 4 in respect of a vehicle rated under the Tariff for Commercial Vehicles.

It is by declared and agreed that the insured having opted a voluntary deductible of `...................* a reduction in premium of `....................** under Section 1 of the policy is hereby allowed. In consideration of the above, it is hereby understood and agreed that the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss) the rst `....................*** (or any less expenditure which may be incurred) of any expenditure for which provision has been made under this policy and/or of any expenditure by the insurer in the exercise of his discretion under Condition no ..# of this policy. If the expenditure incurred by the insurer shall include any amount for which the insured is responsible hereunder such amount shall be repaid by the insured to the insurer forthwith. For the purpose of this Endorsement the expression .event. shall mean an event or series of events arising out of one cause in connection with the vehicle insured in respect of which indemnity is provided under this policy. Subject otherwise to the terms conditions limitations and exceptions of this Policy. * To insert voluntary deductible amount opted by the insured under tariff for Private car / tariff for motorised two wheeler. ** To insert appropriate amount relating to the voluntary deductible opted as per the provision of tariff for Private car / tariff for motorised two wheelers. ***T o insert aggregate amount of voluntary deductible opted and the compulsory deductible applicable to the vehicle insured as in G.R. 40. # To insert policy condition No. 3 of the tariff for private car / tariff for motorised two wheelers.

1. a. The price quoted in the latest catalogue or the price list issued by the Manufacturer or his Agent for the country in which the vehicle  insured is held for repair less  depreciation applicable; OR b. 

IMT. 23. COVER FOR LAMPS TYRES / TUBES MUDGUARDS BONNET / SIDE PARTS BUMPERS HEADLIGHTS AND PAINTWORK OF DAMAGED PORTION ONLY. (For all Commercial Vehicles) In consideration of payment of an additional premium of `....................*, notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that subject to conditions (a) (b) and (c) hereunder loss of or damage (excluding theft under any circumstances) to lamps tyres/tubes mudguards bonnet/side parts bumpers headlights and paintwork of damaged portion only is covered provided the vehicle is also damaged at the same time. Subject to: 1. Depreciation as per schedule provided in Section 1 of the policy. It is further understood and agreed that in respect of paint work for the damaged portion only (as referred to above) shall also be as per schedule provided in Section 1 of the policy. 2. In addition to any amount which the insured may be required to bear under para (a) above, the insured shall also bear 50% of the assessed loss in respect of each and every claim under this Endorsement. 3. It is also understood that no deductible other than those mentioned in (a) and (b) above shall be applicable in respect of a claim which become payable under this Endorsement. Subject otherwise to the terms conditions limitations and exceptions of this Policy.

IMT. 21. SPECIAL EXCLUSIONS AND COMPULSORY DEDUCTIBLE (Applicable to all Commercial Vehicles excluding taxis and motorized two wheelers carrying passengers for hire or reward.) Notwithstanding anything to the contrary contained herein it is hereby understood and agreed that 1. Special Exclusions Except in the case of Total Loss of the vehicle insured, the insurer shall not be liable under Section I of the policy for loss of or damage to lamps tyres tubes mudguards bonnet side parts bumpers and paint work. 2. Compulsory Deductible.   

Subject otherwise to the terms conditions limitations and exceptions of this Policy. * to insert amount as appropriate to the class of vehicle insured as per GR.40 of the tariff. IMT. 22. COMPULSORY DEDUCTIBLE

In addition to any amount which the insured may be required to bear under para (a) above the insured shall also bear under section I of the policy in respect of each and every event (including event giving rise to total loss/ constructive total loss) the rst `...........* of any expenditure (or any less expenditure which may be incurred) for which provision is made under this policy and/or of any expenditure by the insurer in the exercise of its discretion under Condition No.4 of this policy. If the expenditure incurred by the insurer shall include any amount for which the insured is responsible hereunder such amount shall be repaid by the insured to the insurer forthwith. For the purpose of this Endorsement the expression .event. shall mean an event or series of events arising out of one cause in connection with the vehicle insured in respect of which indemnity is provided under this policy.

(Applicable to Private Cars, three wheelers rated as private cars, all motorized two wheelers, taxis, private car type vehicle plying for public/private hire, private type taxi let out on private hire) Notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss) the rst `................* (or any less expenditure which may be incurred) of any expenditure for which provision has been made under this policy and/or of any expenditure by the insurer in the exercise of his discretion under Condition no ..............** of this policy. If the expenditure incurred by the insurer shall include any amount for which the insured is responsible hereunder such amount shall be repaid by the insured to the insurer forthwith.

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IMT. 26. FIRE AND/OR THEFT RISKS ONLY (Not applicable for Miscellaneous and Special Types of vehicles ratable under Class-D and Motor Trade Policies  under Classes-E, F and G of the Commercial Vehicles Tariff)

IMT. 27. LIABILITY AND FIRE AND/OR THEFT (Not applicable Miscellaneous  and Special Types of vehicles rateable under Class-D of the Tariff for Commercial Vehicles)

Notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that Section II of the Policy is deemed to be cancelled and under Section I thereof the insurer shall only be liable to indemnify the insured against loss or damage by re explosion self ignition lightning and/or burglary housebreaking theft and riot strike malicious damage terrorism storm tempest ood inundation and earthquake perils whilst the vehicle is laid up in garage and not in use. Subject otherwise to the terms conditions limitations and exceptions of this Policy. NB. (i) In case of Fire Risk only, the words ´burglary housebreaking theft´ are to be deleted. NB.(ii) In case of Theft Risk only, the words ´re explosion self ignition lightning riot strike malicious damage terrorism storm tempest ood inundation and earthquake perils´ are to be deleted.

Notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that Section I of the Policy the insurer shall not be liable there under except in respect of loss or damage by re explosion self ignition lightning and/or burglary housebreaking theft and riot strike malicious damage terrorism storm tempest ood inundation and earthquake perils. Subject otherwise to the terms conditions limitations and exceptions of the Policy. NB. (i) In case of Liability and Fire Risks only, the words ´burglary housebreaking theft´ are to be deleted. NB.(ii) In case of Liability and Theft Risks only, the words ´re explosion self ignition lightning riot strike malicious damage terrorism storm tempest ood inundation and earthquake perils. are to be deleted. IMT. 28. LEGAL  LIABILITY   TO  PAID DRIVER  AND/OR  CONDUCTOR  AND/OR  CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF INSURED VEHICLE (For all Classes of vehicles)

IMT. 24. ELECTRICAL / ELECTRONIC FITTINGS (Items tted in the vehicle but not included in the manufacturers listed selling price of the vehicle. Package Policy only) In consideration of the payment of additional premium of `......................., notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the insurer will indemnify the insured against loss of or damage to such electrical and/ or electronic tting(s) as specied in the schedule whilst it/these is/are tted in or on the vehicle insured where such loss or damage is occasioned by any of the perils mentioned in Section.1 of the policy. The insurer shall, however, not be liable for loss of or damage to such tting(s) caused by/as a result of mechanical or electrical breakdown. Provided always that the liability of the insurer hereunder shall not exceed the Insured's Declared Value (IDV) of the item. Subject otherwise to the terms conditions limitations and exceptions of this Policy. IMT. 25. CNG/LPG KIT IN BI-FUEL SYSTEM (Own Damage cover for the kit) In consideration of the payment of premium of `.......................* notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the insurer will indemnify the insured in terms conditions limitations and exceptions of Section1 of the policy against loss and/or damage to the CNG/LPG kit tted in the vehicle insured arising from an accidental loss or damage to the vehicle insured, subject to the limit of the Insured's Declared Value of the CNG/LPG kit specied in the Schedule of the policy. Subject otherwise to the terms conditions limitations and exceptions of this Policy. * To insert sum arrived at in terms of G.R.42.

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In consideration of an additional premium of ` 50/- notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that

the insurer shall indemnify the insured against the insured's legal liability under the Workmen's Compensation Act, 1923 , the Fatal Accidents Act, 1855 or at Common Law and subsequent amendments of these Acts prior to the date of this Endorsement in respect of personal injury to any paid driver and/or conductor and/or cleaner whilst engaged in the service of the insured in such occupation in connection with the vehicle insured herein and will in addition be responsible for all costs and expenses incurred with its written consent.

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