Will insurance cover ivf In USA in 2021

 


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

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.

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. Provided always that 1. This Endorsement does not indemnify the insured in respect of any liability in cases where the insured holds or subsequently effects with any insurer or group of insurers a Policy of Insurance in respect of liability as herein dened for insured's general employees; 2. The insured shall take reasonable precautions to prevent accidents and shall comply with all statutory obligations; *3. The insured shall keep record of the name of each paid driver conductor cleaner or persons employed in loading and/or unloading and the amount of wages and salaries and other earnings paid to such employees and shall at all times allow the insurer to inspect such records on demand. 4. In the event of the Policy being cancelled at the request of the insured no refund of the premium paid in respect of this Endorsement will be allowed. Subject otherwise to the terms conditions limitations and exceptions of the Policy except so far as necessary to meet the requirements of the Motor Vehicles Act, 1988. *In case of Private cars/ motorised two wheelers (not used for hire or reward) delete this para. IMT. 29. LEGAL LIABILITY TO EMPLOYEES OF THE INSURED OTHER THAN PAID DRIVER AND/OR CONDUCTOR AND/ OR CLEANER WHO MAY BE TRAVELLING OR DRIVING IN THE EMPLOYER.S CAR {Private Cars only/ Motorised two wheelers (not for hire or reward)} In consideration of the payment of an additional premium @ ` 60/-per employee insured, per tenure, notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the insurer will indemnify the insured against the insured's liability at Common Law and Statutory Liability under the Fatal Accidents Act, 1855 for compensation (including legal costs of any claimant) for death of or bodily injury to any employee (other than paid drivers) of the within named insured being carried in or upon or entering in or getting on to or alighting from or driving the vehicle insured. Provided that in the event of an accident whilst the vehicle insured is carrying more than ...............* employees of the insured (including the driver) the insured shall repay to the insurer a rateable proportion of the total amount payable by the insurer by the reason of this endorsement in respect of accident in connection with such vehicle insured. Subject otherwise to the terms, conditions limitations and exceptions of this Policy. NB. * To insert the number of employees for which the premium has been paid. IMT. 30. TRAILERS (Applicable to Private Cars Only) In consideration of the payment of an additional premium it is hereby understood and agreed that the indemnity granted by this policy shall extend to apply to the Trailer (Registration No..............). Provided always that * 1. The IDV of such Trailer shall be deemed not to exceed ......* * 2. The term ´Trailer´ shall not include its contents or anything contained thereon. 3. Such indemnity shall not apply in respect of death or bodily injury to any person being conveyed by the said Trailer otherwise than by reason of or in pursuance of a contract of employment. Subject otherwise to the terms, conditions limitations and exceptions of this Policy. * Delete in the case of Liability to the public Risks only policies. ** Insert value of trailer as declared at inception of insurance or any renewal thereof.

* To insert the sum arrived at as per the provisions of G.R.40. NB.3. of the Tari.

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IMT. 33. LOSS OF ACCESSORIES (Applicable to Motorized Two Wheeler Policies only) In consideration of the payment of an additional premium of `......... it is hereby understood and agreed that as from ...../....../...... notwithstanding anything to the contrary contained in Section I but subject otherwise to the terms exceptions conditions and limitations of this Policy the insurer will indemnify the insured in respect of loss of or damage to accessories the property of the insured, specically declared by the insured caused by burglary, housebreaking or theft. Subject otherwise to the terms conditions limitations and exceptions of this policy. IMT. 34. USE OF COMMERCIAL TYPE VEHICLES FOR BOTH COMMERCIAL AND PRIVATE PURPOSES (Applicable to Commercial Vehicle Policies only) In consideration of the payment of an additional premium of `......... and notwithstanding anything to the contrary contained herein it is hereby understood and agreed that

IMT. 32. ACCIDENTS TO SOLDIERS /SAILORS/ AIRMEN EMPOYED AS DRIVERS In consideration of the payment of an additional premium of ` 100/-*, it is hereby understood and agreed that in the event of any Soldier/Sailor/Airman employed by the insured to drive the vehicle insured being injured or killed whilst so employed, this policy will extend to relieve the insured of his liability to indemnify Ministry of Defense under the respective Regulations. Subject otherwise to the terms, conditions limitations and exceptions of this Policy. * This additional premium is at and irrespective of period of insurance not exceeding 12 months. Any extension of the policy period beyond 12 months will call for payment of further additional premium under this endorsement.

1. The insurer will indemnify the insured against his legal liability under Common Law and Statutory Liability under the Fatal Accidents Act, 1855 in respect of death of or bodily injury to any person not being an employee of the insured nor carried for hire or reward, whilst being carried in or upon or entering or mounting or alighting from any motor vehicle described in the Schedule to this Policy. 2. This Policy shall be operative whilst any vehicle described in the Schedule hereto is being used by the insured or by any other person with the permission of the Insured for social, domestic, or pleasure purposes. Whilst any such vehicle is being so used the insurer will in terms and subject to the limitations of and for the purposes of Section II of this policy treat as though he were the Insured person using such vehicle provided that such person 1. Is not entitled to indemnity under any other Policy. 2. Shall as though he were the insured observe, fulll and be subject to the terms, provisions, conditions and endorsements of this Policy in so far as they apply. 3. Has not been refused any Motor Vehicle Insurance or continuance thereof by any insurer. Subject otherwise to the terms, conditions limitations and exceptions of this Policy. NOTE: In case of Liability only Policies delete (1) above IMT. 35. HIRED VEHICLES DRIVEN BY HIRER* (Applicable to four wheeled vehicles with carrying capacity not exceeding 6 passengers and Motorised Two wheelers) It is hereby understood and agreed that notwithstanding anything to the contrary contained in this Policy unless the vehicle insured is being driven by or is for the purpose of being driven by the insured in the charge of the within named insured or a driver in the insured's employment, the policy shall only be operative whilst the vehicle insured is let on hire by the insured to any person (hereinafter called the Hirer) who:1. Shall have entered into a hire contract with the insured and who prior to such hiring shall have satisfactorily completed and signed a supplementary proposal form**. 2. Shall have satised the insured a) that the vehicle insured will only be driven by a duly licensed driver whose license has not been endorsed; b) that such driver has not been refused Motor Insurance nor had his/ her insurance policy been cancelled nor had special conditions imposed nor had increased premium demanded from him/her by reason of claims experience. It is also understood and agreed that whilst the vehicle insured is let on hire to the Hirer the insurer shall not be liable. 1. For any loss, damage or liability due to or arising from theft or conversion by the Hirer unless covered by payment of additional premium @ 1.50% on IDV. (Endt. IMT 43 is to be used.) 2. To pay the rst `.......... of each and every claim in respect of which indemnity would but for this endorsement have been provided by Section I of this Policy. If the expenditure incurred by the Insurer shall include the 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. Claim shall mean a claim or series of claims arising out of one cause in respect of the vehicle. 3. If the vehicle is used by the Hirer for carriage of passengers for hire or reward. * For the purposes of this endorsement the insurer will in terms of and subject to the provisions contained in item I of Section II of this Policy, treat the Hirer as a person who is driving the Two wheeler. Further it is agreed that the insured shall forward to the insurer the supplementary proposal referred to above, completed by the Hirer immediately after receipt thereof which proposal as well as that referred to in this policy shall be the basis of the contract expressed in this endorsement so far as it relates to the indemnity which is operative whilst the vehicle is let on hire to such Hirer. Subject otherwise to the terms, exceptions, conditions and limitations of this Policy.

IMT. 31. RELIABILITY TRIALS AND RALLIES [Private Cars and Motorized Two Wheelers] In consideration of the payment of an additional premium it is hereby understood and agreed that the indemnity granted by this Policy is extended to apply whilst the vehicle insured is engaged in ................*. to be held at ....**... on or about the date of ......../........./............ under the auspices of .....................# Provided that :1. No indemnity shall be granted by this Endorsement to ......... # 2. This Policy does not cover use for organised racing, pace making or speed testing. 3. During the course of the .............* the Insurer shall not be liable in respect of death of or bodily injury to any person being carried in or upon or entering or getting on to or alighting from the vehicle insured at the time of the occurrence of the event out of which any claim arises. ## It is further understood and agreed that while the vehicle insured is engaged in ...........* the insured shall bear the rst `..........@ (or any less amount for which the claim may be assessed) of each and every claim under Section I of this Policy. Provided that if the insurer shall make any payment in exercise of its discretion under Condition No. 3 of the policy in settlement of any claim and such payment includes the amount for which the insured is responsible by reason of this Endorsement the insured shall repay to the insurer forthwith the amount for which the insured is so responsible. For the purpose of this Endorsement the expression ´claim´ shall mean a claim or series of claims arising out of one event. Subject otherwise to the terms conditions limitations and exceptions of this Policy. * To insert the name of the event. @ To insert ` 5000/-for Private cars or ` 2500/-for motorised two wheelers. For the duration of the event the deductible under Section 1 of the policy for the purpose of IMT 22 will be the amount stated in IMT 22 or the amount stated herein, whichever is higher. ** To insert the venue of the event. # To insert the name of the promoters of the event. # # To delete this entire paragraph in case of Liability Only policies.

NOTE: For Liability only policies delete the whole of items (1) and (2) and the paragraph in bold marked with *. ** Insurer to devise a suitable supplementary proposal form. IMT. 36. INDEMNITY TO HIRER - PACKAGE POLICY - NEGLIGENCE OF THE INSURED OR HIRER It is hereby declared and agreed that the company will indemnify any hirer of the vehicle insured against loss, damage and liability as dened in this Policy arising in connection with the vehicle insured by reason of the negligence of the within named insured or of any employee of such insured while the vehicle insured is let on hire. Provided that any such hirer shall as though he/she were the insured observe fulll and be subject to the terms, exceptions, conditions and limitations of this policy in so far as they apply. IMT. 37. LEGAL LIABILITY TO NON-FARE PAYING PASSENGERS OTHER THAN STATUTORY LIABILITY EXCEPT THE FATAL ACCIDENTS ACT, 1855 (Commercial Vehicles only) In consideration of the payment of an additional premium of `....... and notwithstanding anything to the contrary contained in Section II-1 (b) and (c) it is hereby understood and agreed that the Company will Indemnify the Insured against his legal liability other than liability under the Statute (except the Fatal Accidents Act 1855) in respect of death of or bodily injury to:1. Any employee of the within named insured who is not a workman within the meaning of the Workmen's Compensation Act Prior to date of this endorsement and not being carried for hire or reward. 2. Any other person not being carried for hire or reward provided that the person is a. Charterer or representative of the charterer of the truck b. Any other person directly connected with the journey in one form or other being carried in or upon or entering or mounting or alighting from any Motor Vehicle described in the schedule of the policy. Subject otherwise to the terms exceptions conditions and limitation of this policy. IMT. 37. A. Legal Liability to Non Fare Paying Passengers who are not employees of the Insured (Commercial Vehicles only) In consideration of the paying of an additional premium of `...... and notwithstanding anything to the contrary contained in Section II-1 (C) it is hereby understood and agreed that the company will indemnify the insured against his legal liability other than liability under statute (except Fatal Accidents Act 1855) in respect of death or bodily injury to any person not being an employee of the insured and not carried for hire or reward provided that the person is 1. Charterer or representative of the charterer of the truck. 2. Any other person directly connected with the journey in one form or the other being carried in or upon or entering or mounting or alighting from vehicle insured described in the SCHEDULE OF THIS POLICY. Subject otherwise to the terms exceptions conditions and limitations of this policy. IMT. 38. LEGAL LIABILITY TO FARE PAYING PASSENGERS EXCLUDING LIABILITY FOR ACCIDENTS TO EMPLOYEES OF THE INSURED ARISING OUT OF AND IN THE COURSE OF THEIR EMPLOYMENT (Commercial and Motor Trade Vehicles only) I. For use with Package Policies In consideration of an additional premium of `........ and notwithstanding anything to the contrary contained in Section II-1 (C) but subject otherwise to the terms, exceptions, conditions and limitations of this policy, the insurer will indemnify the insured against liability at Law for compensation (including Law costs of any claimant) for death of or bodily injury to any person other than a person excluded under Section II-1 (B) being carried in or upon or entering or mounting or alighting from the Motor Vehicle. Provided always that in the event of an accident occurring whilst the Motor Vehicle is carrying more than the number of persons mentioned in the Schedule hereto as being the licensed carrying capacity of that vehicle in addition to the conductor if any then the Insured shall repay to the Insurer rateable proportion of the total amount which would be payable by the Insurer by reason of this endorsement if not more than the said number of persons were carried in the Motor Vehicle.

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Provided further that in computing the number of persons for the purpose of this endorsement any three children not exceeding 15 years of age will be reckoned as two persons and any child in arms not exceeding 3 years of age will be disregarded. Provided also that the provisions of condition 3 of the Policy are also applicable to a claim or series of claims under this endorsement. Provided further that in the event of Policy being cancelled at the request of the insured no refund of premium paid in respect of this endorsement will be allowed. Subject otherwise to the terms, exceptions, conditions and limitations of this Policy. II. For use with Liability only Policy In consideration of an additional premium of `................... and subject otherwise to the terms, exceptions, conditions and limitations of this Policy, the insurer will indemnify the insured against liability at Law for compensation (including Law Costs of any claimant) for death of or bodily injury to any person other than a person excluded under general exception being carried in or upon or entering or mounting or alighting from the Motor Vehicle. Provided always that in the event of an accident occurring whilst the Motor Vehicle is carrying more than the number of persons mentioned in the Schedule hereto as being the licensed carrying capacity of that vehicle in addition to the conductor if any then the insured shall repay to the Insurer rateable proportion of the total amount which would be payable by the Insurer by reason of this endorsement if not more than the said number of persons were carried in the Motor Vehicle. Provided further that in computing the number of persons for the purpose of this endorsement any 3 children not exceeding 15 years of age will be reckoned as two persons and any children in arms not exceeding 3 years of age will be disregarded. Provided further that in the event of Policy being cancelled at the request of the insured no refund of premium paid in respect of this endorsement will be allowed. Subject otherwise to the terms, exceptions. Conditions and limitations of this Policy. IMT. 39. LEGAL LIABILITY TO PERSONS EMPLOYED IN CONNECTION WITH THE OPERATION AND/OR MAINTAINING AND/OR LOADING AND/ OR UNLOADING OF MOTOR VEHICLES. (For GOODS VEHICLE) In consideration of the payment of an additional premium of *.................... it is hereby understood and agreed that notwithstanding anything contained herein to the contrary the insurer shall indemnify the insured against his legal liability under the Workmen's Compensation Act, 1923 and subsequent amendments of that Act prior to the date of this Endorsement, the Fatal Accidents Act, 1855 or at Common Law in respect of personal injury to any paid driver (or cleaner or conductor or person employed in loading/or unloading but in any case not exceeding seven in number including driver and cleaner) whilst engaged in the service of the insured in such occupation in connection with the .... and not exceeding seven in number and will in addition be responsible for all costs and expenses incurred with its written consent. Provided always that:1. This Endorsement does not indemnify the insured in respect of any liability in cases where the insured holds or subsequently effects with any insurer or Group of Underwriters a Policy of Insurance in respect of liability as herein dened for his general employees. 2. The insured shall take reasonable precautions to prevent accidents and shall comply with all statutory obligations. 3. The insured shall keep a record of the name of each driver cleaner conductor or person employed in loading and/or unloading and the amount of wages salary and other earnings paid to such employees and shall at times allow the insurer to inspect such record. 4. In the event of the Policy being cancelled at the request of the insured no refund of the premium paid in respect of this Endorsement will be allowed. The premium to be calculated at the rate of `25/-per driver and/or cleaner or conductor and/or person employed in loading and/ or unloading but not exceeding the number permitted by the Motor Vehicles Act 1988 including driver and cleaner.


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