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Motor Insurance Coverage- inclusions and exclusions


Motor Insurance Coverage

Inclusions:

  • Accident occurred due to external means.
  • Man-made calamities, such as burglary, riots, theft, explosion, and strikes, terrorism, etc.
  • Natural calamities like fire, cyclones, earthquakes, floods, typhoons, storms, hurricanes, lightning, etc.
  • When the vehicle is in Transit by rail, road, air or waterway.
  • Third party liability.
  • Coverage for an owner driver in case of demise.

Exclusion:

  • Wear and tear of the vehicle due to its usage.
  • Loss or damage due to depreciation of vehicle.
  • Electrical or Mechanical breakdown.
  • Wear and tear of consumables like tires and tubes.
  • Loss or damage incurred to the vehicle outside the geographical area.
  • Loss or damage caused by driving under the influence of intoxication (alcohol or drugs).
  • Loss or damage caused by an unauthorized person driving without a valid driving license.
  • Loss or damage due to nuclear risks.
  • Damages caused due to over speeding.

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This entry was posted on March 2, 2019 by in Uncategorized.

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