This document summarizes the private car third party and personal accident cover for owner-drivers. It outlines that the owner-driver must hold a valid driving license at the time of accident to be covered. It describes the conditions for personal accident coverage, including the scale of compensation for injuries ranging from 100% for death to 50% for loss of one limb or eye. Coverage is limited to one item from the scale per occurrence and total liability is capped at Rs. 15 lakhs per period. Exclusions include intentional self-injury and accidents under the influence of drugs or alcohol.