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PRIVATE CAR THIRD PARTY &
PERSONAL ACCIDENT COVER FOR
OWNER-DRIVER
IMPORTANT NOTE’S
SECTION II – LIABILITY TO THIRD PARTIES
ANY PERSON DRIVING VEHICLE SHOULD HOLD
VALID DRIVING LICENSE AT THE TIME OF ACCIDENT
CLAUSE OVER PERSONAL ACCIDENT OF OWNER-DRIVER
•THE OWNER-DRIVER IS THE REGISTERED OWNER OF THE INSURED VEHICLE.
•THE OWNER-DRIVER IS THE INSURED NAMED IN THIS POLICY.
•THE OWNER DRIVER SHOULD HOLD AN EFFECTIVE DRIVING LICENSE-
IN ACCORDANCE WITH THE PROVISIONS OF RULE 3 OF THE CENTRAL MOTOR
VEHICLES RULES 1989, AT THE TIME OF ACCIDENT.
THIS POLICY IS SUBJECTED TO:-
CONDITIONS OF PERSONAL ACCIDENT FOR
OWNER-DRIVER
1.DRIVING
2.MOUNTING INTO OR DISMOUNTING FROM INSURED VEHICLE
3.TRAVELLING IN INSURED VEHICLE AS A CO-DRIVER
4.TO BE CAUSED BY VOILENT, ACCIDENTAL, EXTERNAL AND VISIBLE MEANS
5.INDEPENDENT OF ANY OTHER CAUSE
6.SHALL BE WITHIN SIX CALENDER MONTHS OF SUCH INJURY RESULTING IN
SCALE OF COMPENSATION
Sr.
No
NATURE OF INJURY COMPENSATION
1 DEATH 100%
2 LOSS OF TWO LIMBS OR SIGHT OF BOTH EYES OR ONE LIMB &
SIGHT OF ONE EYE
100%
3 LOSS OF ONE LIMB OR SIGHT OF ONE EYE 50%
4 PERMANENT TOATAL DISABLEMENT FROM INJURIES OTHER
THAN NAMED ABOVE
100%
LIMITATIONS FOR PERSONAL ACCIDENT OF OWNER-DRIVER
•PROVIDED ALWAYS THAT:-
COMPENSATION SHALL BE PAYABLE UNDER ONLY ONE OF THE ITEMS (1) TO (4) ABOVE IN RESPECT
OF THE :-
OWNER-DRIVER ARISING OUT OF ANY ONE OCCURANCE.
THE TOTAL LIABILITY OF THE INSURER SHALL NOT IN THE AGGREGATE EXCEEDS THE SUM OF RS.15
LAKHS DURING-
ANY ONE PERIOD OF INSURANCE
EXCLUSIONS FOR PERSONAL ACCIDENT OF OWNER-DRIVER
•NO COMPENSATION SHALL BE PAID IN RESPECT OF DEATH OR BODILY INJURY
DIRECTLY OR INDIRECTLY WHOLLY OR IN PART ARISING OR RESULTING FROM OR
TRACEABLE TO:
INTENTIONAL SELF INJURY SUICIDE OR ATTEMPTED SUICIDE PHYSICAL DEFECT OR
INFIRMITY
AN ACCIDENT HAPPENING WHILST SUCH PERSON IS UNDER THE INFLUENCE OF
INTOXICATING LIQUOR OR DRUGS
•SUCH COMPENSATION SHALL BE PAID ONLY DIRECTLY TO THE INSURED OR TO THEIR
LEGAL REPRESENTATIVE
THANK YOU
PREPARED BY :-
AVANEESH SINGH
SAPNESH SINGH
RAGHVENDRA TIWARI

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Thirty party and pa cover

  • 1. PRIVATE CAR THIRD PARTY & PERSONAL ACCIDENT COVER FOR OWNER-DRIVER IMPORTANT NOTE’S
  • 2. SECTION II – LIABILITY TO THIRD PARTIES
  • 3.
  • 4.
  • 5. ANY PERSON DRIVING VEHICLE SHOULD HOLD VALID DRIVING LICENSE AT THE TIME OF ACCIDENT
  • 6.
  • 7. CLAUSE OVER PERSONAL ACCIDENT OF OWNER-DRIVER •THE OWNER-DRIVER IS THE REGISTERED OWNER OF THE INSURED VEHICLE. •THE OWNER-DRIVER IS THE INSURED NAMED IN THIS POLICY. •THE OWNER DRIVER SHOULD HOLD AN EFFECTIVE DRIVING LICENSE- IN ACCORDANCE WITH THE PROVISIONS OF RULE 3 OF THE CENTRAL MOTOR VEHICLES RULES 1989, AT THE TIME OF ACCIDENT. THIS POLICY IS SUBJECTED TO:-
  • 8. CONDITIONS OF PERSONAL ACCIDENT FOR OWNER-DRIVER 1.DRIVING 2.MOUNTING INTO OR DISMOUNTING FROM INSURED VEHICLE 3.TRAVELLING IN INSURED VEHICLE AS A CO-DRIVER 4.TO BE CAUSED BY VOILENT, ACCIDENTAL, EXTERNAL AND VISIBLE MEANS 5.INDEPENDENT OF ANY OTHER CAUSE 6.SHALL BE WITHIN SIX CALENDER MONTHS OF SUCH INJURY RESULTING IN
  • 9. SCALE OF COMPENSATION Sr. No NATURE OF INJURY COMPENSATION 1 DEATH 100% 2 LOSS OF TWO LIMBS OR SIGHT OF BOTH EYES OR ONE LIMB & SIGHT OF ONE EYE 100% 3 LOSS OF ONE LIMB OR SIGHT OF ONE EYE 50% 4 PERMANENT TOATAL DISABLEMENT FROM INJURIES OTHER THAN NAMED ABOVE 100%
  • 10. LIMITATIONS FOR PERSONAL ACCIDENT OF OWNER-DRIVER •PROVIDED ALWAYS THAT:- COMPENSATION SHALL BE PAYABLE UNDER ONLY ONE OF THE ITEMS (1) TO (4) ABOVE IN RESPECT OF THE :- OWNER-DRIVER ARISING OUT OF ANY ONE OCCURANCE. THE TOTAL LIABILITY OF THE INSURER SHALL NOT IN THE AGGREGATE EXCEEDS THE SUM OF RS.15 LAKHS DURING- ANY ONE PERIOD OF INSURANCE
  • 11. EXCLUSIONS FOR PERSONAL ACCIDENT OF OWNER-DRIVER •NO COMPENSATION SHALL BE PAID IN RESPECT OF DEATH OR BODILY INJURY DIRECTLY OR INDIRECTLY WHOLLY OR IN PART ARISING OR RESULTING FROM OR TRACEABLE TO: INTENTIONAL SELF INJURY SUICIDE OR ATTEMPTED SUICIDE PHYSICAL DEFECT OR INFIRMITY AN ACCIDENT HAPPENING WHILST SUCH PERSON IS UNDER THE INFLUENCE OF INTOXICATING LIQUOR OR DRUGS •SUCH COMPENSATION SHALL BE PAID ONLY DIRECTLY TO THE INSURED OR TO THEIR LEGAL REPRESENTATIVE
  • 12. THANK YOU PREPARED BY :- AVANEESH SINGH SAPNESH SINGH RAGHVENDRA TIWARI