IFFCO Tokio General Insurance Co. Ltd.

Planco Shanti Awaas, First Floor Block-C Patliputra Boring Road Patna Bihar
800013
Ph.:0124-2850100 IRDA Regn. No. : 106
Servicing Branch GSTIN Number.:10AAACI7573H2ZQ , PAN No.:AAACI7573H

CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE

Policy No. Commercial Vehicle Package Policy Issued at: 12:48 Hours on 28-MAY-2019
TIT/91820476 Period of Insurance From 12:48 Hours on 28-MAY-2019 to midnight on 27-MAY-2020
Insured's Name : M/S VIRAT VAIBHAV NIWAS AND TRAVELLS
Insured Type : CORPORATE Proposal No. & Date : P8437593 & 28-MAY-2019
PAN Card : NA Product Type : ADVANCE
Previous Policy No. : TIT/91693078 DOB : NA
Previous Insurer : ITG Period of Insurance : 28-MAY-2019 To 27-MAY-2020
Customer GSTIN : NA
Insured's Address : USER-VAIBHAV KUMAR,FLAT NO.-402 SRI AWADHESH KUMAR ROAD NO.-10E RAJENDRA NAGAR, KADAMKUAN, PATNA , BIHAR-800016
Vehicle Details
Chassis No. Engine No. Make Model Variant
MBJ11JV4007514460 2KDU684351 TOYOTA INNOVA INNOVA 2.5 G (E3) PACKAGE : X, 8
SEATER (OL)
Year of Manufacture CC Seating Capacity Fuel Type Invoice Date
2015 2494 8 DIESEL 28-MAY-2015
Vehicle Class Registration No. Place of Registration Geographical Area Geographical Area Ext.
Commercial BR-01-PF-9909 PATNA INDIA Nepal,Bhutan
INSURED'S DECLARED VALUE (Rs.)
YEAR Vehicle Electrical Accessories Non Electrical Accessories CNG/LPG Total IDV
1 850000 0 0 0 850000
SCHEDULE OF PREMIUM
A. Own Damage (OD) Premium Amount (Rs.) B. Liability Premium Amount (Rs.)
Basic Premium Basic Third Party Liability Premium (including TPPD) 18811
Vehicle 8738 Geographical Area Extension 100
Non Electrical Accessories (IMT-24) 0 Sub Total (Third Party Liability) 18911
Electrical Accessories (IMT-24) 0 PA Cover
Bi Fuel Kit (IMT-25) 0 Compulsory PA Cover for Owner Driver (IMT-15) Rs. 15,00,000 0
Sub Total (Basic Premium) 8738 PA Cover for Paid Driver (IMT-17) Rs. 2,00,000 120
Geographical Area Ext (IMT-1) 400
IMT 23 1311
Sub Total 10449 Sub Total (PA Cover) 120
Discounts Legal Liability
Voluntary Deductible (IMT-22A) 0 Paid Driver (IMT-28) 50
Anti Theft Device (IMT-10) 0 Employee (for 0 Person) (IMT-29) 0
AA Membership (IMT-8) 0 Indemnity to Hirer (IMT-44) 125
Handicapped Discount (IMT-12) 0 Theft and Conversion Risk (IMT 43) 0
NCB (0%) 0 Sub Total (Legal Liability) 175
Sub Total (Discounts) 0 Net Liability Premium (B) 19206
Add On 8925 Total Premium (A+B) 38580
CGST(9%) 3472
SGST(9%) 3472
Net Own Damage Premium (A) 19374 Gross Premium Paid 45524
The CPA cover has not been opted in this policy on account that : The insured vehicle is not owned by an individual. Note:- 1. Issue of Policy is
subject to realisation of cheque if premium is paid by cheque. 2. Consolidated stamp duty paid to state exchequer. 3. The Policy is subject to a compulsory
deductible of Rs. 500 (IMT-22) and Voluntary Deductible of Rs. 0. 4. Coverages : Comprehensive cover (OD + TP), Consumables, Nil Depreciation
Invoice No:91820476SAC Code:9971Description of service:General Insurance Service
Limitations as to use: Use only for social ,domestic and pleasure purposes and for the Insured's business.The Policy does not cover the use for: (1) Carriage of goods (other than samples or
personal luggage) (2) Organised racing (3) Pace making (4) Speed testing (5) Reliability trials (6) Any purpose in connection with motor trade.
Driver’s Clause: Any person including the Insured: Provided that the person driving holds an effective driving license at the time of the accident and is not disqualified from holding or obtaining
such a license. Provided also that the person holding an effective learner's license may also drive the vehicle & that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles
Rules, 1989.
Limits of Liability Clause: Under Section II-1 (i) of the policy- Death of or bodily injury. Such amount as is necessary to meet the requirements of the Motor Vehicle Act 1988.Under Section II-1
(ii) of the policy-Damage to third party property is Rs.7.5 lakhs
HP/Lease/Hypothecation with:
Subject to I.M.T Endt. Nos. & memorandum: 3,7,17,21,23,28,36,38,44
Payment Details: Cheque No.: 959177, Cheque Date: 27-MAY-2019, Bank Name: STATE BANK OF INDIA, Bank City: PATNA
The insured is not indemnified if the vehicle is used or driven otherwise than in accordance with this schedule. Any payment made by the Company by reasons of wider terms appearing in the
certificate in order to comply with the Motor Vehicle Act,1988 is recoverable from the insured. See the clause headed "AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY". For legal
interpretation, English version will hold good.
Grievance Clause: For resolution of any query or grievance, Insured may contact the respective branch office of the company or may call at (1800-103-5499) or may write an email at
(grievancemanager@iffcotokio.co.in). In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at
(grievancemanager@iffcotokio.co.in).In the event of unsatisfactory response from the Grievance Office, he/she may, subject to vested jurisdiction, approach the Insurance Ombudsman for the
redressal of grievance. Details of Insurance Ombudsman offices are available at IRDA website: www.irdai.gov.in, or on the website of General Insurance Council: www.generalinsurancecouncil.org.in
or on the company website (www.iffcotokio.co.in).
I/we hereby certify that the policy to which this certificate relates as well as this certificate of insurance are issued in accordance with the provisions of Chapter X and Chapter XI of M.V. Act, 1988.
For & On Behalf of
Broker Name : Toyota Tsusho Insurance Broker India Pvt Ltd IFFCO Tokio General Insurance Co. Ltd.
Broker Code / IRDAI Composite Licence No. : 381 (Valid up to 01/09/2020). CIN:
U66010KA2008PTC045231
Email ID : bos@ttibi.co.in
Contact No. : 080-40449900
Authorised Signatory
Please contact Ins.Co. & Broker c/o BUDHA TOYOTA SIMLI MURARPUR, NEAR DIDARGANJ CHECKPOST
For Renewal/Claims assistance
PATNA CITY, PATNA, BIHAR, PIN CODE: 800008 CONTACT NO: -0612-6570942, 91-9263639653
 STANDARD FORM FOR COMMERCIAL VEHICLES PACKAGE POLICY
Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated herein has
applied to the Company for the insurance hereinafter contained and has paid the premium mentioned in the schedule as consideration for such insurance in respect of
accidental loss or damage occurring during the period of insurance.
NOW THIS POLICY WITNESSETH:
That subject to the Terms Exceptions and Conditions contained herein or endorsed or expressed hereon;
SECTION I - LOSS OF OR DAMAGE TO THE VEHICLE INSURED
1. The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon
i. By fire explosion self ignition or lightning;
ii. By burglary housebreaking or theft;
iii. By riot and strike;
iv. By earthquake (fire and shock damage);
v. By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;
vi. By accidental external means;
vii. By malicious act;
viii. By terrorist activity;
ix. Whilst in transit by road rail inland-waterway lift elevator or air;
x. By landslide rockslide.
Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:
1. For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50%
2. For fibre glass components - 30%
3. For all parts made of glass - Nil
4. Rate of depreciation for all other parts including wooden parts will be as per the following schedule
AGE OF VEHICLE % OF DEPRECIATION

Not exceeding 6 months..............................................................Nil

Exceeding 6 months but not exceeding 1 year............................... 5%
Exceeding 1 year but not exceeding 2 years................................. 10%
Exceeding 2 years but not exceeding 3 years................................ 15%
Exceeding 3 years but not exceeding 4 years................................ 25%
Exceeding 4 years but not exceeding 5 years................................ 35%
Exceeding 5 year but not exceeding 10 years................................ 40%
Exceeding 10 years................................................................... 50%

5. Rate of depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case
of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation.
2. The Company shall not be liable to make any payment in respect of:

(a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages nor for damage caused by
overloading or strain of the insured vehicle nor for loss of or damage to accessories by burglary, housebreaking or theft unless such insured vehicle is stolen at the
same time.
(b) Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to
50% of the cost of replacement.
And
(c) Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is
under the influence of intoxicating liquor or drugs.

3. In the event of the vehicle being disabled by reason of loss or damage covered under this Policy the Company will bear the reasonable cost of
protection and removal to the nearest repairer and re-delivery to the insured but not exceeding ` 750/- for three wheeled vehicles, ` 1500/- for taxis and ` 2500/- for
other commercial vehicles in respect of any one accident.
4. The insured may authorise the repair of the vehicle necessitated by damage for which the Company may be liable under this Policy provided that:

a) The estimated cost of such repair including replacements, if any, does not exceed ` 500/-
b) The Company is furnished forthwith with a detailed estimate of the cost of repairs; and
c) The insured shall give the Company every assistance to see that such repair is necessary and the charges are reasonable.

SUM INSURED – INSURED’S DECLARED VALUE (IDV)

The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each
policy period for the insured vehicle.
The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the
vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). The schedule of age-wise depreciation as shown below
is applicable for the purpose of Total Loss/Constructive Total Loss (TL/CTL) claims only.
THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE
AGE OF THE VEHICLE % OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months................................................................. 5%
Exceeding 6 months but not exceeding 1 year................................... 15%
Exceeding 1 year but not exceeding 2 years ..................................... 20%
Exceeding 2 years but not exceeding 3 years ................................... 30%
Exceeding 3 years but not exceeding 4 years ................................... 40%
Exceeding 4 years but not exceeding 5 years ................................... 50%
IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined
on the basis of an understanding between the insurer and the insured.
IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL)
claims.
The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of
the IDV of the vehicle.
SECTION II - LIABILITY TO THIRD PARTIES
1. Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident caused by or arising out of the
use of the vehicle against all sums which the insured shall become legally liable to pay in respect of :-

(i) Death of or bodily injury to any person caused by or arising out of the use (including the loading and/or unloading) of the vehicle.
(ii) Damage to property caused by the use (including the loading and/or unloading) of the vehicle.
 Provided always that
(a) The Company shall not be liable in respect of death, injury damage caused or arising beyond the limits of any carriage way or thoroughfare in
connection with
the bringing of the load to the insured vehicle for loading thereon or the taking away of the load from the insured vehicle after unloading there from.
(b) Except so far as is necessary to meet the requirements of the Motor Vehicle Act the Company shall not be liable in respect of death or bodily
injury to any person
in the employment of the insured arising out of and in the course of such employment.
(c) Except so far as is necessary to meet the requirements of the Motor Vehicle Act in relation to the liability under the Workmen’s Compensation
Act 1923 the
Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a
contract of employment) being carried in or upon entering or mounting or alighting from the insured vehicle at the time of occurrence of the
event out of which any claim arises.
(d) The Company shall not be liable in respect of damage to property belonging to or held in trust by or in the custody of the insured or a member
of the insured’s
household or being conveyed by the insured vehicle.
(e) The Company shall not be liable in respect of damage to any bridge and/or viaduct and/or to any road and/or anything beneath by vibration or
by the weight of
the insured vehicle and/or load carried by the insured vehicle.
(f) Except so far as is necessary to meet the requirements of the Motor Vehicles Act the Company shall not be liable in respect of death and/or
bodily injury to any
person(s) who is/are not employee(s) of the insured and not being carried for hire or reward, other than owner of the goods or representative of the
owner of goods being carried in or upon or entering or mounting or alighting from the insured vehicle described in the Schedule of this Policy.

2. The Company will pay all costs and expenses incurred with its written consent.
3. In terms of and subject to the limitations of the indemnity granted by this section to the insured the Company will indemnify any driver who is
driving the insured vehicle on the insured’s order or with insured’s permission provided that such driver shall as though he/she were the insured observe fulfil and be
subject to the terms exceptions and conditions of this policy in so far as they apply.
4. The Company may at its own option
(a) Arrange for representation at any Inquest or Fatal Inquiry in respect of any death which may be the subject of indemnity under this section; and
(b) Undertake the defence of proceedings in any court of Law in respect of any act or alleged offence causing or relating to any event which may be
the subject of indemnity under this section.
5. In the event of the death of any person entitled to indemnity under this policy the Company will in respect of the liability incurred by such person
indemnify his/her personal representative(s) in terms of and subject to the limitations of this policy provided that such personal representative(s) shall as though they
were the insured observe fulfill and be subject to the terms exceptions and conditions of this policy in so far as they apply.

SECTION III - TOWING DISABLED VEHICLES

The policy shall be operative whilst the insured vehicle is being used for the purpose of towing any one disabled mechanically propelled vehicle and
the indemnity provided by Section II of this policy shall subject to its terms and limitations be extended to apply in respect of liability in connection with such towed
vehicle;
Provided always that
(a) Such towed vehicle is not towed for reward
(b) The Company shall not be liable by reason of this section of this policy in respect of damage to such towed vehicle or property being conveyed
thereby.

SECTION IV – PERSONAL ACCIDENT COVER FOR OWNER-DRIVER

Subject otherwise to the terms exceptions conditions and limitations of this policy, the Company undertakes to pay compensation as per the
following scale for bodily injury/death sustained by the owner-driver of the vehicle in direct connection with the vehicle insured or whilst mounting into/dismounting from
or travelling in the insured vehicle as a co-driver, caused by violent accidental external and visible means which independent of any other cause shall within six calendar
months of such injury result in:
Nature of injury Scale of compensation
(i) Death 100%
(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%
(iii) Loss of one limb or sight of one eye 50%
(iv) Permanent total disablement from injuries other than named above 100%
Provided always that
1) The compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrence
and the total liability of the insurer shall not in the aggregate exceed the sum of ` 1 lakh during any one period of insurance.
2) No compensation shall be payable in respect of death or bodily 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 infirmity or (b) an accident happening whilst such person is under the influence of intoxicating
liquor or drugs.
3) Such compensation shall be payable directly to the insured or to his/her legal representatives whose receipt shall be the full discharge in respect
of the injury to
the insured.
This cover is subject to
(a) The owner-driver is the registered owner of the vehicle insured herein;
(b) The owner-driver is the insured named in this policy;
(c) The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the
time of the accident.

AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY

Nothing in this policy or any endorsement hereon shall affect the right of any person indemnified by this policy or any other person to recover an
amount under or by virtue of the provisions of the Motor Vehicles Act, 1988.
But the insured shall repay to the Company all sums paid by the Company which the Company would not have been liable to pay but for the said
provision.
GENERAL EXCEPTIONS
The Company shall not be liable under this policy in respect of
(1) Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;
(2) Any claim arising out of any contractual liability;
(3) Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is
(a) Being used otherwise than in accordance with the ‘Limitations as to Use’ or
(b) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause.
(4) (a) Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any
consequential loss.
(b) Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by
radio activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this exception combustion shall include any self
sustaining process of nuclear fission.
(5) Any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
(6) Any accidental loss damage/liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising
out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war), civil war, mutiny,
rebellion, military or usurped power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the insured shall
prove that the accidental loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any
of the said occurrences or any consequences thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim.
DEDUCTIBLE
The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured) of this Policy in respect of the deductible stated in
the schedule.
CONDITIONS
This policy and the schedule shall be read together and any word or expression to which a specific meaning has been attached in any part of this policy or of the schedule
shall bear the same meaning wherever it may appear.

1. Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage and in the event of any claim
and thereafter the insured shall give all such information and assistance as the Company shall require. Every letter claim writ summons and/or process or copy thereof
shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately the insured shall have
knowledge of any impending prosecution Inquest or Fatal Inquiry in respect of any occurrence which may give rise to a claim under this policy. In case of theft or criminal
act which may be the subject of a claim under this policy the insured shall give immediate notice to the police and co-operate with the company in securing the conviction
of the offender.
2. No admission offer promise payment or indemnity shall be made or given by or on behalf of the insured without the written consent of the
Company which shall be entitled if it so desires to take over and conduct in the name of the insured the defence or settlement of any claim or to prosecute in the name of
the insured for its own benefit any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings or in the settlement of any
claim and the insured shall give all such information and assistance as the Company may require.
3. At any time after the happening of any event giving rise to a claim under Section - II of this Policy the Company may pay to the insured the full
amount of the Company’s liability under the Section and relinquish the conduct of any defence settlement or proceedings and the Company shall not be responsible for
any damage alleged to have been caused to the insured in consequence of any alleged action or omission of the Company in connection with such defence settlement or
proceedings or of the Company relinquishing such conduct; nor shall the Company be liable for any costs or expenses whatsoever incurred by the insured or any claimant
or other person after the Company shall have relinquished such conduct.
4. The Company may at its own option repair reinstate or replace the vehicle insured or part thereof and/or its accessories or may pay in cash the
amount of the loss or damage and the liability of the Company shall not exceed:
(a) For Total Loss / Constructive Total Loss of the vehicle - the Insured’s Declared Value (IDV) of the vehicle (including accessories thereon) as
specified in the Schedule less the value of the wreck.
(b) For partial losses, i.e. losses other than Total Loss / Constructive Total Loss of the vehicle - actual and reasonable costs of repair and/or
replacement of parts lost/damaged subject to depreciation as per limits specified.

5. The Insured shall take all reasonable steps to safeguard the vehicle insured from loss or damage and to maintain it in efficient condition and the
Company shall have at all times free and full access to examine the vehicle insured or any part thereof or any driver or employee of the insured. In the event of any
accident or breakdown, the vehicle insured shall not be left unattended without proper precautions being taken to prevent further damage or loss and if the vehicle
insured be driven before the necessary repairs are effected, any extension of the damage or any further damage to the vehicle shall be entirely at the insured’s own risk.
6. The Company may cancel the policy by sending seven days notice by recorded delivery to the insured at insured’s last known address and in such
event will return to the insured the premium paid less the pro rata portion thereof for the period the Policy has been in force or the policy may be cancelled at any time by
the insured on seven days’ notice by recorded delivery and provided no claim has arisen during the currency of the policy, the insured shall be entitled to a return of
premium less premium at the Company’s Short Period rates for the period the Policy has been in force. Return of the premium by the company will be subject to retention
of the minimum premium of ` 100/- (or ` 25/- in respect of vehicles specifically designed/modified for use by blind/handicapped/mentally challenged persons). Where the
ownership of the vehicle is transferred, the policy cannot be cancelled unless evidence that the vehicle is insured elsewhere is produced.
7. If any dispute or difference shall arise as to the quantum to be paid under the policy (liability being otherwise admitted), such difference shall
independent of all other questions be referred to the decision of a sole arbitrator to be appointed in writing by the parties to the dispute or if they cannot agree upon a
single arbitrator within 30 days of any party invoking Arbitration, the same shall be referred to a panel of three arbitrators comprising two arbitrators one to be appointed
by each of the parties to the dispute/difference, and a third arbitrator to be appointed by such two arbitrators who shall act as the presiding arbitrator and the arbitration
shall be conducted in accordance with the provisions of the Arbitration and Conciliation Act,1996.
It is clearly agreed and understood that no difference or dispute shall be referable to Arbitration as hereinbefore provided, if the Company has
disputed or not accepted liability under or in respect of this policy.
It is hereby expressly stipulated and declared that it shall be condition precedent to any right of action or suit upon this policy that the award by
such arbitrator/arbitrators of the amount of the loss or damage shall be first obtained.
It is also hereby further expressly agreed and declared that if the Company shall disclaim liability to the insured for any claim hereunder and such
claim shall not, within twelve calendar months from the date of such disclaimer have been made the subject matter of a suit in a court of law, then the claim shall for all
purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.
8. The due observance and fulfillment of the terms conditions and endorsements of this policy in so far as they relate to anything to be done or
complied with by the insured and the truth of the statements and answers in the said proposal shall be condition precedent to any liability of the Company to make any
payment underthis policy.
9. If at the time of occurrence of an event that gives rise to any claim under this policy, there is in existence any other insurance covering the same
loss, damage or liability, the Company shall not be liable to pay or contribute more than its ratable proportion of any compensation cost or expense.
10. In the event of the death of the sole insured, this policy will not immediately lapse but will remain valid for a period of three months from the
date of the death of insured or until the expiry of this policy (whichever is earlier). During the said period, legal heir(s) of the insured to whom the custody and use of the
Motor Vehicle passes may apply to have this policy transferred to the name(s) of the heir(s) or obtain a new insurance policy for the Motor Vehicle.
Where such legal heir(s) desire(s) to apply for a transfer of this policy or obtain a new policy for the vehicle such heir(s) should make an application
to the Company accordingly within the aforesaid period. All such applications should be accompanied by:-
a) Death certificate in respect of the insured
b) Proof of title to the vehicle
c) Original Policy

RULES APPLICABLE TO TANKERS CARRYING HAZARDOUS CHEMICALS

Rule 129-A- Spark arrester six month from the date of commencement of Central Motor Vehicles (Amendment) Rules 1993, every goods carriage
carrying goods of dangerous or hazardous nature to human life, shall be fitted with a spark arrester.
Rule 131-Responsibility of the consignor for safe transport of dangerous or hazardous goods.
(1) It shall be responsibility of the consignor intending to transport any dangerous or hazardous goods listed in Table II, to ensure the following,
namely:-
(a) The goods carriage has a valid registration to carry the said goods;
(b) The vehicle is equipped with necessary first-aid, safety equipment and antidotes as may be necessary to contain any accident;
(c) That transporter or the owner of the goods carriage has full and adequate information about the dangerous or hazardous goods being
transported; and
(d) That the driver of the goods carriage is trained in handling the dangers posed during transport of such goods.
(2) Every consignor shall supply to the owner of the goods carriage, full and adequate information about the dangerous or hazardous goods being
transported as to enable owner and its driver to:
(a) Comply with the requirements of rules 129 to 137 (both inclusive) of these rules and
(b) Be aware of the risks created by such goods to health or safety or any person
(3) It shall be the duty of the consignor to ensure that the information is accurate and sufficient for the purpose of complying with the provisions of
rules 129 to 137(both inclusive) of these rules.

Rule 132- Responsibility of the Transporter or owner of goods carriage.

(1) It shall be the responsibility of the owner of the goods carriage transporting any dangerous or hazardous goods ensure the following, namely:-
(a) That the goods carriage has a valid registration to carry the said goods and the said carriage is safe for the transport of the said goods and
(b) The vehicle is equipped with necessary first-aid, safety equipment, tool box and antidotes as may be necessary to contain any accident.
 (2) Every owner of a goods carriage shall, before undertaking the transportation of dangerous or hazardous goods in his goods carriage, satisfy
himself that the information given by the consignor is full and accurate in all respects and correspond to the classification of such goods specified in rule 137.
(3) The owner of goods carriage shall ensure that the driver of such carriage is given all the relevant information in writing as given in goods
entrusted to him for transport and satisfy himself that such driver has sufficient understanding of the nature of such goods and the nature of the risks involved in the
transport of such goods and is capable of taking appropriate action in case of an emergency.
(4) The owner of the goods carriage dangerous or hazardous goods and the consignor of such goods shall lay down the route for each trip which the
driver shall be bound to take unless directed or permitted otherwise by the Police Authorities. They shall also fix a time table for each trip to the destination and back with
reference to the route so laid down.
(5) It shall be the duty of the owner to ensure that the driver of the goods carriage carrying dangerous or hazardous goods holds a driving license
as per provisions of rule 9 of these rules.
(6) Notwithstanding anything contained in rules 131 and 132, it shall be sufficient compliance of the provisions of these rules if the consignor
transporting dangerous or hazardous goods and the owner of the goods carriage or the transporter abide by these conditions within six month after the date of coming
into force of the Central Motor Vehicles (Amendment) Rules,1993.

Rule 133 - Responsibility of the driver

(1) The driver of a goods carriage transporting dangerous or hazardous goods shall ensure that the information given to him in writing under sub-
rule(3) of rule 132 is kept in the driver’s cabin and is available at all times while the dangerous or hazardous goods to which it relates, are being transported.
(2) Every driver of a goods carriage transporting any dangerous or hazardous goods shall observe at all times all the directions necessary for
preventing fire, explosion or escape of dangerous or hazardous goods carried by him while the goods carriage is in motion and when it is not being driven he shall ensure
that the goods carriage is parked in a place which is safe from fire, explosion and any other risk, and at all times the vehicle remains under the control and supervision of
the driver or some other competent person above the age of 18 years.
Sub-rule(1) of rule 9 of the principal rules:
(1) One year from the date of commencement of Central Motor Vehicles (Amendment) Rules, 1993 any person driving a goods carriage carrying
goods of dangerous or hazardous nature to human life shall, in addition to being the holder of a driving license to drive a transport vehicle also have the ability to read
and write at least one Indian Language out of those specified in the VII schedule of the Constitution and English and also possess a certificate of having successfully
passed a course consisting of following syllabus and periodicity connected with the transport of such goods.
Period of training : 3 days
Place of training : At any institute recognized by the State Government

ADD - ON COVER WORDINGS

CONSUMABLES COVER

It is hereby agreed and declared that notwithstanding anything to the contrary contained in the Policy the Company hereby extends the Policy to
cover expenses Incurred by the Insured on the Consumable Items in the event of damage to the vehicle insured and/or to its accessories, arising out of any peril as
covered under the policy.
Consumable Items shall mean those articles or substances which have specific uses and when applied to their respective uses are either consumed
totally or are rendered unfit for continuous and permanent use. Such Consumable Items will include nut and bolt, screw, washers, grease, lubricants, clips, ac gas,
bearings, distilled water, engine oil, oil filter, fuel filter, break oil, coolant and the like.

Subject otherwise to the terms, exceptions, conditions and limitations of this Policy.
* Depreciation applicable for Essential Cover.

NIL DEPRECIATION COVER

In consideration of payment of an additional premium by the Insured, it is hereby agreed and declared that notwithstanding anything to the contrary contained in the
Policy, the Company hereby undertakes to indemnify:

• Depreciation on replacement of parts for Partial Loss Claims.

• Midterm inclusion of cover is not permitted.
• Available for commercial cars up to the age of 5 years only.
• Total Loss and Constructive Total Loss will be settled on the basis of IDV.
• Deprecation waiver is applicable for the first two Claims only.

Subject otherwise to the terms, exceptions, conditions and limitations of this Policy.
ENGINE PROTECT
In consideration of payment of an additional premium by the Insured, it is hereby agreed and declared that notwithstanding anything to the contrary contained in the
Policy, the Company hereby undertakes to indemnify the Insured for expenses incurred in repair or replacement due to consequential damages arising out of water
ingression/leakage of lubricating oil or coolant and damage to vehicle’s under carriage arising out of any accidental external means, leading to loss or damage to Engine
and Engine Parts, Transmission or Differential Parts Assembly and Parts and Gear Box and Gear Box Parts of the Insured's vehicle.
Terms and Conditions:

1. For the purpose of this add-on, 'Consequential Damage' would mean "the damage more specifically expressed hereinabove caused to an insured
vehicle not arising directly from an insured peril but as a direct consequence to the same".
2. In case of accidental external means resulting in loss or damage to the vehicles under carriage, indemnification under this add-on would be made
only when there is evidence of such damage leading to oil leakage and resulting in damage to Engine and Engine Parts and/or Gear Box and Gear Box Parts and/or
Transmission or Differential Parts Assembly.
3. This cover will also pay for the cost of lubricants oil/coolant lost due to leakage.
4. Available for commercial cars up to the age of 5 years only.
5. Deprecation waiver is applicable for the first two Claims only.
6. No limit on the number of claims during the policy period.
7. No additional deductible under this extension of the Cover.

Exclusions:
a) Any claims where the subject matter of claims is covered under any other type of insurance policy with any other insurer or manufacturer's
warranty including recall campaign or under any other such packages at the same time.
b) Any claims related to loss or damage due to normal wear and tear

Subject otherwise to the terms, exceptions, conditions and limitations of this Policy.

KEY PROTECT
In consideration of payment of an additional premium by the Insured, it is hereby agreed and declared that notwithstanding anything to the contrary contained in the
Policy, the Company hereby undertakes to indemnify the Insured the cost incurred towards repairing/ replacing the vehicle keys which are lost, misplaced, stolen or the
vehicle lock is broken at the time of burglary or attempted burglary, theft or attempted theft, damage to the keys arising out of an accident by a new set of lock/ lock set
(including lock mechanism) & keys including locksmith charges during the Policy Period.
Terms and Conditions:

1. No limit on the number of claims during the policy period.

2. A claim resulting from burglary or theft is supported by an acknowledgement from the Police Authority.
3. The replaced keys/ lock/ lockset should be of same nature and kind as the one for which the claim is being made.
4. Replacement of key(s) would be done only for broken or damaged keys.
5. In case of theft/burglary/misplace/loss of key(s), entire set comprising of key, lock and lockset would be replaced.

Exclusions:
a. Any damage/ loss to keys/lock/lockset due to malicious activities, any deliberate or criminal act of the Insured or his representative.
b. Any loss or damage to the lock or lockset prior to the loss or theft of keys.
c. Any loss or damage covered under the manufacturer's warranty.
d. Any loss or destruction of, or damage to, any part of the Insured's vehicle other than the keys of the Insured's vehicle, its associated lock,
ignition system, any immobilizer, infrared handset and/or alarm attached to the Insured’s vehicle.
e. Any consequential losses.

Subject otherwise to the terms, exceptions, conditions and limitations of this Policy.
 RETURN TO INVOICE COVER
In consideration of payment of an additional premium by the Insured, it is hereby agreed and declared that notwithstanding anything to the contrary contained in the
Policy, the Company hereby undertakes to pay the On Road Price of the Insured Car, in the Occurrence of any Constructive Total Loss/Total Loss /Theft Claim.

1. Total Ex-Showroom Price--- It includes Current Ex-Showroom Price as on Date of loss and any other Accessories Price paid by Insured at the time
of purchasing the Car
2. Road Tax--- Road Tax amount paid to RTO by Insured for the Car
3. Registration Charges---- Registration charges paid by Insured to RTO for the Car
4. First Year Insurance Premium— Complete First Year insurance premium paid for the Car.

Available for commercial cars up to the age of 3 years only.

Subject otherwise to the terms, exceptions, conditions and limitations of this Policy.
:--
TYRE & ALLOY COVER
In consideration of payment of an additional premium by the Insured, it is hereby agreed and declared that notwithstanding anything to the contrary contained in the
Policy, the Company hereby undertakes to pay for repair and/or replacement of tyres damaged due to cut, burst, bulge or continuous running under deflated condition. The company
also undertakes to pay for replacement of standalone tyre/alloy/rim if damaged or deformed.

There will be maximum of 4 tyres and/or 4 alloys/rims replacements available in a policy term.

The company liability would not exceed the following, basis the unused tread depth of respective tyre:
Unused tread depth of >= 7mm – 100% cost of new tyre
Unused tread depth of >= 5mm to 7 mm – 75% of cost of new tyre
Unused tread depth of >= 4mm to 5 mm – 50% of cost of new tyre
Unused tread depth of <= 4mm – 25% of cost of new tyre

Exclusions:
1. Cost of replacement to be restricted to Toyota recommended Genuine Parts / Specifications (Tyre/Alloy/Rim).
2. For vehicle age greater than 1 year (when cover is availed for the first time) any loss or damage within first 15 days of inception of the policy.
3. Any loss or damage occurred prior to inception of the policy.
4. Fraudulent act committed by insured or the workshop or any person entrusted possession of the vehicle by insured.
5. Minor damage or scratch not affecting the functioning of Tyre/Alloy/Rim.
Subject otherwise to the terms, exceptions, conditions and limitations of this Policy.--- Road Tax amount paid to RTO by Insured at time of new
car purchase
INCONVENIENCE COVER
In consideration of the payment of an additional premium by the Insured, it is hereby agreed and declared that notwithstanding anything to the contrary contained in the Policy, the
company hereby undertakes to pay a daily allowance of Rs. 1000/- to the Insured for each and every completed day for which the Insured’s vehicle is under repair in a garage, due to
loss/damage to the vehicle on account of a peril covered under the Policy.
Terms and Conditions:
1. The insured vehicle has been under repair for a minimum number of 5 days, post which the claim under this benefit will be payable.
2. The duration for which the Insured’s vehicle is under repair in a garage due to loss/damage to the vehicle, and for which the Company will be liable for claim in
respect of this benefit will be reckoned 5 days after the claim is intimated till the day immediately preceding the date of discharge or date of invoice or date of re-inspection (provided
vehicle is completely repaired) for such repair as prepared by the garage, whichever is earlier for a maximum of 7 days.
3. No limit on the number of claims during the policy period.
4. The company will not be liable for any further payment under this benefit for the
a. Specific accidental loss or damage once the vehicle is removed from the garage
b. Non-availability of spare parts required for repair
5. In case of theft/total loss claim, we will pay for maximum 15 days (at Rs. 1000/- per day) during the period of insurance.

Subject otherwise to the terms, conditions and limitations of the Policy.

INDIA MOTOR TARIFF (IMT’S) ENDORSEMENTS

IMT. 1. EXTENSION OF GEOGRAPHICAL AREA

In consideration of the payment of an additional premium of `……….it is hereby understood and agreed that notwithstanding anything contained in
this Policy to the contrary the Geographical Area in this Policy shall from the . . ./ . ./ . . . . To the . …/. . /. . . . (Both days inclusive) be deemed to include*
It is further specifically understood and agreed that such geographical extension excludes cover for damage to the vehicle insured / injury to its
occupants / third party liability in respect of the vehicle insured during sea voyage / air passage for the purpose of ferrying the vehicle insured to the extended
geographical area.
Subject otherwise to the terms exceptions conditions and limitations of this Policy.
NOTE: Insert Nepal / Sri Lanka / Maldives / Bhutan / Pakistan / Bangladesh as the case may be.

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 defined 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:-
Details of Injury Scale of Compensation
i) Death 100%
ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%
iii) Loss of one limb or sight of one eye 50%
iv) Permanent Total Disablement from injuries other than named above 100%
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 infirmity or (b) an accident happening whilst such person is under the influence 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.
* The Capital Sum Insured (CSI) per passenger is to be inserted.
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)
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 defined 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 Workmen’s 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 :
Details of Injury Scale of Compensation
i) Death 100%
ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%
iii) Loss of one limb or sight of one eye 50%
iv) Permanent Total Disablement from injuries other than named above 100%
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 infirmity or (b) an accident happening whilst such person is under the influence 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.
* 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)
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 defined 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:-
Details of Injury Scale of Compensation
i) Death 100%
ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%
iii) Loss of one limb or sight of one eye 50%
iv) Permanent Total Disablement from injuries other than named above 100%
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 infirmity or (b) an accident happening whilst such person is under the influence 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.
* The Capital Sum Insured (CSI) per person is to be inserted.
IMT. 19. COVER FOR VEHICLES IMPORTED WITHOUT CUSTOMS DUTY
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:-
(a) (i) 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
(ii) If no such catalogue or price list exists the price list obtaining at the Manufacturer’s 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
(b) The reasonable cost of fitting such parts.
Subject otherwise to the terms conditions limitations and exceptions of this Policy.
* 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.

IMT. 22. COMPULSORY DEDUCTIBLE

(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 first `....* (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.
* (i) To insert amount as appropriate to the class of vehicle insured as per G.R.40 of the tariff.
(ii) 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 the sum arrived at as per the provisions of G.R.40. NB.3. of the Tariff.

IMT.24. ELECTRICAL / ELECTRONIC FITTINGS

(Items fitted in the vehicle but not included in the manufacturer’s 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 fitting(s) as specified in the schedule
whilst it/these is/are fitted 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 fitting(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 Section 1 of the policy against loss and/or damage to the CNG/LPG
kit fitted 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
specified 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.

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)
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 defined 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. 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)
(1) 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.
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. 40. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF
MOTOR VEHICLE. (For buses, taxis and motorized three/four wheelers under commercial vehicles tariff)
In consideration of the payment of an additional premium it is hereby understood and agreed that notwithstanding anything contained herein to the
contrary the insurer shall indemnify 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 and/or conductor and/or cleaner whilst engaged
in
the service of the insured in such occupation in connection with the vehicle insured and will in addition be responsible for all costs and expenses
incurred with its
written consent.
The premium to be calculated and paid while taking insurance of the vehicle concurred at the rate of ` 50/- per driver and/or conductor and/or
cleaner.
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 defined 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 all 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.
Subject otherwise to the terms exceptions conditions and limitations of this Policy except so far as necessary to meet the requirements of the Motor
Vehicles Act, 1988.

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 first `……..*** (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.