INDIA MOTOR TARIFF 

THE TARIFF ADVISORY COMMITTEE (HEREIN AFTER CALLED TAC) HAS LAID DOWN RULES, REGULATIONS, RATES, ADVANTAGES, TERMS AND CONDITIONS, AS CONTAINED HEREIN, FOR TRANSACTION OF MOTOR INSURANCE BUSINESS IN INDIA IN ACCORDANCE WITH THE PROVISIONS OF PART II B OF THE INSURANCE ACT, 1938.

THIS TARIFF SUPERSEDES THE PROVISIONS OF THE INDIA MOTOR TARIFF IN EXISTENCE UPTO 30TH JUNE 2002.

THE PROVISIONS OF THIS TARIFF ARE BINDING ON ALL CONCERNED AND ANY BREACH OF THE TARIFF SHALL BE A BREACH OF THE PROVISIONS OF THE INSURANCE ACT, 1938.

 

SECTION – 1

GENERAL REGULATIONS

GR.1 Insurance not provided for:

Motor Insurance in India cannot be transacted outside the purview of the India Motor Tariff unless specifically authorised by the TAC. For risks, which have not been provided for in the tariff, reference should be made to TAC for advice thereon.

Motor Insurance includes Private Cars, Motorised Two Wheelers and Commercial Vehicles excluding vehicles running on rails.

 

GR.2. Proposal Forms:

Proposal From as specified in Section 5 of the INDIA MOTOR TARIFF is required to be submitted by the insured to the insurer before the commencement of cover and at renewal in the case of material alternation. For change of IDV at each renewal, however, a fresh proposal is not necessary. Such changes may be advised by the insured to the insurer by a letter signed by the insured / insured’s authorised signatory (for companies / body corporate) and sent to the insurer by recorded delivery. In case of change of insurer, a fresh proposal is required to be submitted to the new insurer. The insurers may include additional questions in the proposal form for their information and use.

 

Gr.3. Policy Forms:

Policies insuring Motor Vehicles are to be issued only as per the Standard Form(s) given in Section 6 of the INDIA MOTOR TARIFF.

 

A. Types of Policies

There are two types of Policies:

(i) Liability Only Policy: This covers Third Party Liability for bodily injury and / or death and Property Damage. Personal Accident Cover for Owner – Driver is also included.

(ii) Package Policy: This covers loss or damage to the vehicle insured (O.D.) in addition to (i) above.
Restricting the scope of cover under Section – I (loss of or damage to the vehicle insured) of the Package policy without any reduction in Tariff rates is permitted. Expecting this, no alteration of any of the Covers, Terms, Condition, Exclusions, etc. of any of the Policies / Endorsement laid down in this tariff is permitted without prior approval of the TAC.

 

B. Rating:

Rates provided under this Tariff are minimum rates; Loading on tariff premium rates by 100% may be applied for adverse claims experience of the vehicle insured and individual risk perception as per the insurer’s assessment. If the experience continues to be adverse, a further loading of 100% on the expiring premium may be applied. No further loading shall apply.

 

GR.4. Extension Of Geographical Area

The Geographical Area Of Motor Policies may be extended to include

a) Bangladesh
b) Bhutan
c) Nepal
d) Pakistan
e) Sri Lanka
f) Maldives

 

As the case may be, by charging a flat additional premium, as stated below for a period not exceeding 12 months:

For Package Policy. Rs.500/- per vehicle, irrespective of the class of vehicle.
   
For policies other than Package Policy Rs.100/- per vehicle, irrespective of the class of vehicle.

 

For such extensions Endorsement IMT – 1 is to be used.

Such geographical extensions, however, specifically exclude cover for damage to the vehicle / injury to its occupants / TP liability in respect of the vehicle during air passage / sea voyage for the purpose of ferrying the vehicle to the extended Geographical Area.

 

GR.5. Vintage Cars

Any car manufactured prior to 31-12-1940 and duly certified by the Vintage and Classic Car Club of India can be considered a Vintage car for the purpose of this tariff.

 

GR.6. Classic Cars

Any car manufactured after 31-12-1940, but before 31-12-1970, is considered as a Classic Car by the Vintage and Classic Car Club of India. There is however, no provision for special rating or cover for such vehicles under this tariff.

 

GR.7. Valued Policies

Under an agreed Value Policy a specified sum agreed as the insured value of the vehicle is paid as compensation in case of total Loss / Constructive Total Loss of the vehicle without any deduction for depreciation.

It is not permitted to issue Agreed Value policies under this tariff excepting for policies covering vintage cars as defined under 5 above.

For such policies, Endorsement IMT – 2 is to be used.

 

TARIFF FOR MOTORISED TWO WHEELERS

 

REGULATIONS

 

1 SCOPE: -
This Tariff is applicable to Motorised two wheelers [with or without]
Used for social, domestic and pleasure purposes and for professional
Purpose [excluding the carriage of goods other than samples] of the
Insured or used by the insured’s employees for such purposes but
Excluding use for hire or reward, racing, pace making, reliability trial
Speed testing and use for any purpose in connection with the Motor Trade.

NOTES

1] MOTORISED TWO WHEELERS [with or without side cars] used For carrying passengers for hire or reward are rateable under Class C. 4 of the Tariff for Commercial Vehicles

2] Motorised two wheelers [with or without side cars] used for Motor Trade purpose [road risk only] are rateable under Class F of the tariff for Commercial Vehicles.

3] Vehicles used for driving tuitions – Refer to GR.44

 

2. PREMIUM RATING:


Rating Factors: The premium rating is based on the following factors:

A] Insured’s Declared Value [IDV] of the vehicle [For determining IDV – Refer to GR. 8]

B] Cubic Capacity

C] Geographical zones

D] Age of vehicle


3.POLICY SCHEDULE WORDING REGRADING LIMITATIONS AS TO USE AND DRIVER CLAUSE

 

LIMITATIONS AS TO USE:


Use only for social, domestic and pleasure purposes and for the insured’s Business or profession. The Policy does not cover use for hire or reward. Tuition, racing, pace making, reliability, trial speed testing. Carriage of goods [other than samples or personal luggage] in connection with any trade or business or use for any purpose in connection with Motor Trade.


N.B.1.- In case of vehicles used for driving tuition add the words other than for the purpose of driving tuition after the words hire or reward.


N.B .-2-Where use of the two wheeler is to be restricted to use only with a side Car attached, the words or use unless a side – car is attached to the motorized Two wheelers may be added after the words ‘Motor Trade “ above.



B. DRIVER


Any person including the insured Provided that a person driving holds an effective driving licence at the time of the accident and is not disqualified from holding or obtaining such a licence.

Provided also that the person holding an effective Learners licence may also drive the vehicle and that such a person satisfies the requirements of Rule 3 of the

Central Motor Vehicles Rules, 1989.

 

4.POLICIES ISSUED OTHER THAN TO INDIVIDUALS


Policies may be issued in the name of joint owners or companies without Additional premium. Certificate of insurance with standard wording is Applicable.


5.COVER NOTE, CERTIFICATE OF INSURANCE AND POLICY ARE TO BE ISSUED ONLY IN THE STANDARD FORMS GIVEN IN SECTION 6 OF THE INDIA MOTOR TARIFF. [PLEASE REFER GR,22 AND GR. 23 AND GR3]

 

6.limites of LIABILTY FOR THIRD PARTY

 

A] under Section11-1 [I]of the Package
Policy Under Section 1[I]of the Liability only Policy]
As per requirements of MOTOR
Vehicle Act. 1988
   
B]Under section 11-1 [11] of the Package policy [Under section 1[11] of the Liability Only Policy] RS. 1 Lac
Or
Rs 6000/- , where the purposer/insured opts to limit the TPPD LIABILITY TO THE Statutory limit of RS 6000/-,
Endorsement IMT 20is to be used.

 

NB. 1. The limit under 6[b] above is in respect of any one claim or series of claims arising out of one event /occurrence.


NB.2. If at the insured’s option , the expiring TPPD cover stands limited to the statutory limit of Rs6000/-an additional premium of Rs 50/- is to be charged the
TPPD cover to RS 1 lakh on renewal.

 

7. SCHEDULE OF PREM


{I} Zones –For the purpose of rating under this tariff the whole of India has been divided in to the following zones depending upon the location of the office of registration of the vehicle concerned; zone A: Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai , New Delhi and Pune B:- Rest of India.


{ii}-Minimum values for the purpose of computation of premium, in respect
of motorized two wheelers shall be as under irrespective of any lower value
proposed for Insurance.

 

CUBIC CAPACITY MINIUM VALUE
   
Not exceeding 150cc 5000/-
Exceeding 150cc but not ex.350cc 6000/-
Exceeding 350 cc 7000/-

 

 

{iii} If a two wheeler is used with a side car attached 25% discount may be allowed on the Own Damage premium arrived at after addition of premium arrived at after addition of premium, if any, for electric/electronic items and for
use of CNG/LPG fuel.


{iv} A three wheeler designed for operation by physically handicapped person
should be rated as a two wheeler with side car.



C. Restricted cover for Fire and/ or Theft risks – Refer to GR.45A--------{Only while the vehicle is in garage and not in use}


D. Restricted cover for Liability only and Fire and/or Theft Risks-Refer to GR.45B


8.EXTRA BENEFITS


NOTES :-- (A) Premium for each of the following extra benefits Opted for by the insured is to be shown separately in The Premium Computation Table.


(b) Except extra benefit no [11] all other benefits are to be insured not separately but only in conjunction with a Package Policy. Extra benefit no [11] may be insured in conjunction with both Liability Only Policy and package Policy.


i. Loss of Accessories ;

Loss of accessories, the property of the Insured, by Theft may be covered At an additional premium @ 3%of the value of the accessories specifically Declared by the proposer/insured in the proposal from and or in a letter Forming part of the proposal from ,subject to a minimum premium of Rs 50/- for this extra benefit only. {[Endoresment imt –33 is to be used}


ii. Legal Liability to person employed [Paid Drivers/Cleaners] in connection With the operations and/or maintenance of the two wheeler under the Workmens COMPENSATION ACT , 1923 , FATAL ACCIDENTS ACT,1855 AND at Common Law Legal Liability to person employed [Paid Drivers/Cleaners] in Connection with the operations and /or maintenance of the two Wheeler under the workmens Compensation Act 1923,Fatal Accidents Act,1855 and at common law may be insured At an additional premium of RS25/- per employee is net Irrespective of any period of insurance not exceeding 12 months. Endorsement I M T – 28 is to be used

iii… Liability to the employees of the insured [other than paid drivers/cleaners] who may be driving /riding the employers two wheeler. Liability to the employees of the insured,[other than Paid drivers/ Cleaners] who may be driving /riding the employers two wheeler May be insured at an additional premium of Rs. 60/-. Endorsement IMT – 29 IS TO BE USED.


iv…. Rallies held in India Policies may be extended to include use of the insured two wheeler In a particular rally organized by any recognized motoring organization
On payment of the following additional premium;

 

Type of Policy Additional Premium
   
For Package Policies RS. 35/-for the first day and Rs.20/-for each succeeding day Of the rally.
For Liability Only POLICIES Rs. 15/- for the first day and Rs.10-for each succeeding day Of the rally.

 

Endorsement IMT – 31 IS TO BE used for such extensions.

 

N.B.1. The compulsory deductible for the own Damage cover under Package Policy referred to under GR. 40 WILL BECOME Rs,2500/- for each and every claim for the entire duration of this Extension only.


N.B.2. The extension does not cover either the driver and/ or the Passengers carried in the two wheeler or the promoters of The event.


N,B,3, This extension does not apply to speed tests, dexterity trials, Hill climbs or motor racing [whether organized separately Or included in the course of a rally]
Rally extensions may be further extended to include motor racing, speed est, dexterity trials hill climbs or motor racing [whether organized Separately or included in the course of a rally] by charging a Loading of 300% of both Own Damage and Liability Only
Premiums at short period rates for the duration of the rally But with the exclusion of any cover in respect of either the Owner – driver, driver and /or passengers carried in the vehicle or the promoters of the event.

v….;-Reliability trials conducted in India by manufactures of vehicles in India.
If such reliability trials are to be covered, reference is to be made to TAC with appropriate details.

TARIFF FOR COMMERCIAL VEHICLES REGULATIONS


1. SCOPE

The Commercial Vehicles Tariff [CVT]IS applicable to all vehicles Not provided for under any other section of this tariff , excluding Vehicles running on rail.


The CVT is classified as follows ;


A….;---- Tariff for goods Carrying Vehicles

A.1 Public Carriers(other than three wheelers)

A.2 Private Carriers (other than three wheelers)

A.3 Goods carrying Motorized Three Wheelers and Motorized Pedal Cycles.[ Public Carriers.]

A.4 Goods carrying Motorized three Wheelers and Motorized Pedal Cycle . [Private Carriers.]


B;----Tariff for TRAILERS

C;---- Tariff for Vehicles used for carrying Passenger for Hire or Reward


This Tariff is sub classified into ;


C.1 Tariff for four wheeled vehicles and three wheeled Vehicles used for carrying passenger for hire or Reward with carrying capacity not exceeding 6. Passengers.

C.2 Tariff for four [or more ] wheeled passenger carrying Vehicles with carrying capacity exceeding 6. passenger. and three wheeled passenger carrying vehicles with Carrying capacity exceeding 17 passengers for hire Or reward.

C.3 Tariff for motorized three wheeled passenger carrying Vehicles with carrying capacity exceeding 6 passengers but not exceeding 17 passengers for hire or reward.

C.4 Tariff for motorized two wheelers used for carrying Passengers for hire or reward.

D. Tariff for Miscellaneous and Special type of vehicles

E. Tariff for Motor Trade --- ROAD TRANSIT RISKS Only

F. TARIFF for Motor Trade---Road Risks only

G. Tariff for Motor Trade ---internal Risks only



NOTES:


[I] Any vehicle used for hire [other than for private hire is not to be insured under the Motor Trade Tariff.


[ii] The term Goods Carrying Vehicles includes any type of motor vehicles used for the transport of goods.


[iii] An Articulated Vehicle means a towing vehicle to which a trailer is attached in such a manner that part of the trailer is superimposed on and part of the weight of the trailer is borne by the towing vehicle , the towing vehicle and the trailer being registered as one unit .


Articulated vehicles are to be rated under the appropriate class of the tariff based on the actual use of the vehicles.
For the purpose of computing premium, a tractor and one superimposed trailer shall be treated as one vehicle. Additional trailers are to be treated as trailers with the highest carrying capacity s to be taken in to account in computing the vehicles premium.


[iv] Vehicles used for driving tuition.—REFER to GR. 44


[V] Cover note , certificate of insurance and Policy are to be issued only in the standard forms given in Section 6 of the

India Motor Tariff. [refer to GR. 22 GR.23 and GR 3]

2.RATING FACTORS;


Rating of vehicles under the CVT [except four wheeled vehicles with carrying capacity not exceeding 6 passengers, Two wheelers Trailers and Motor Trade vehicles]is based on the following factors;


A] IDV [Refer to gr.8]

B] Zones – For the purpose of rating under this tariff the whole of India has been divided into the following zones depending upon the location of the office of registration of the vehicle concerned ;

[I]Commercial Vehicles rateable under section 4 C.1andC.4.


ZONE A: Ahmedabad, Banglore , Chennai,Hyderabad, Kolakata, MUMBAI, New Delhi, Pune.
ZONE B: Rest of India

[ii] All other Commercial VEHICLES

Zone A--- Chennai, Kolkata, Mumbai, New Delhi.
Zone B--- All other State Capitals

C--- Rest of India.


C] AGE OF VEHICLE
D] Gross Vehicle WEIGHT[GVW]/ Licensed Carrying Capacity[LCC]
As applicable

3 MINIMUM VALUES


Minimum values for the purpose of computation of premium, in respect of commercial vehicles shall be as under irrespective of any lower value proposed for insurance.

 

TYPE OF VEHICLES MINIMUM VALUE
     
Three Wheeled Goods carrying Vehicles with GVW not exceeding 1200 kgs. Rs 5000/-
     
Other Goods CARRYING Vehicles with GVW
Not exceeding 2000kgs.
Exceeding 2000kgs but not exceeding 6000kgs
Exceeding 6000kgs but not exceeding 12000kgs
Exceeding 12000kgs.
Rs.5000/-
Rs. 20000/-
RS.30000/-
Rs. 40000/-
     
TRAILERS   Rs3000/- Per Trailer
     
Four wheeled vehicles with carry carrying capacity not exceeding 6 passengers with corresponding Cubic CAPACITY of Engine; Not exceeding 1500 cc

Exceeding
Rs. 15000/-
Rs30000/-
     
Three Wheelers with carrying capacity not exceeding 6 passengers with corresponding Cubic Capacity of Engine; Not exceeding 150cc
EXCEEDING 150CC but not exceeding250cc
EXCEEDING 250CC
Rs.1500/-
Rs.2500/-
Rs.4000/-
     
Three wheelers with carrying capacity exceeding 6 passengers but not exceeding 17 passengers Rs 25000/-
     
Four wheeled passenger carrying vehicles with carrying capacity exceeding 6 passengers but not exceeding 17 passengers Rs . 20000/-
   
Four [or more]wheeled and three wheeled passenger carrying vehicles with carrying capacity exceeding 17 passenger but not exceeding 36 passengers Rs.-30000/-
   
Four or more wheeled passenger carrying vehicles with carrying capacity exceeding 36 passengers but not exceeding 60 passengers Rs.-50000/-
   
Four or more]wheeled passenger carrying vehicles carrying capacity exceeding 60 passengers Rs.-60000/-
   
Two wheeler passenger carrying vehicles With or without side car As per tariff applicable to motorized two wheelers
   
Class –D, Miscellaneous and special types of
Vehicles other than pedestrian controlled agricultural tractors not exceeding 6HP.
Rs 50000/-
   
Pedestrian controlled agricultural tractors not exceeding 6 HP. Rs – 10000/-
   

 

VEHICLES DESIGNED AS COMMERCIAL VEHICLES AND USED FOR COMMERCIAL AND PRIVATE PURPOSES
[EXCLUDING USE FOR HIRE OR REWARD].

The appropriate rate under the CVT is to be charged with a loading of 25%. Policy from for Commercial vehicles with Endorsement IMT 34 is to be used.


5. FOR CONCESSION FOR LAID – UP VEHICLES-Refer to GR. 31

6. SPECIAL EXCLUSIONS

In the case of policies requiring the use of Endorsement imt – 21 or 22 and or35 no reduction in premium can be allowed in consideration of any of the exclusions or limitation referred to in the endorsements.

Note :---
---:Endorsements imt –21 and 35 are not applicable in the case of liability Only Policies.


7.PUBLIC PASSENGER SERVICE VEHICLES CARRIAGE OF GOODS IN ADDITION TO PASSENGERS:


Public Passenger SERVICE Vehicles in witch space is provided for the carriage of good in place of the some of the seats, the basic rate shall be That given under Class C for a normal bus of similar size without such goods carrying space. Provided, however, that the goods carrying space so created does not reduce the normal licensed seating capacity by more than 20%. If the limit of 20%is exceeded, the case is to be referred to the TAC for special rating. Only those vehicles which are used on regular bus routes and never used solely for the carriage of goods may be rated in accordance with the above provision.


NOTE:

THE FOLLOWING warranty is to appear on all policies covering the above type of vehicles:
Warranted that good may not be carried in the vehicle other than in conformity with the provisions of the Motor Vehicle ACT and the Rules made there under as may be in force in the area in vehicle is playing.


8. MOTOR VEHICLE ACT – PASSENGER RISK

An

y Policy issued in respect of a vehicle which is used for the carriage of passengers for hire or reward and in respect of which legal liability
To passengers is required to be covered in terms of the Motor Vehicles
Act , is subject to additional premium for Liability to passengers in accordance with the provision s of the Tariff rate for the vehicle has already incorporated such T.P. Premium component.


9. LEGAL LIABILITY FOR ACCIDENTS TO NON FARE PAYING PASSENGERS INCLUDING EMPLOYEES OF THE INSURED WHO ARE NOT “WORKMEN” UNDER THE WORKMENS COMPENSATION ACT .


Additional premium is to be collected in respect o f such passengers as follows;

a. For Commercial Vehicles not designed for carriage of passengers, i.e. goods carrying vehicles Rs. 50/- per passenger

b. For Commercial Vehicles designed for carriage of passengers Rs. 100/- per passenger

N.B.1. If the employees of the insured [outside the purview of the W.C.Act ] are to be covered as non fare paying passengers , Endorsement IMT- 37 is to be used.

N.B.2. If the cover is to exclude the insured’s employees [ out side the purview of the W,C,Act ] Endorsement IMT –38 is to be used.

N.B.3. This extension of cover is not permitted to be given in respect of MOTOR TRADE Policies ratable under sub- section E, F, G, of the Tariff for Commercials VEHICLES.

 

10. [a] LEGAL LIABILITY TO PERSON EMPLOYED IN CONNECTION WITH THE OPERATION AND /OR MAINTENANCE AND / OR LOADING AND/OR UNLODING OF THE INSURED GOODS CARRYING VEHICLE [ INCLUDING TRACTOR AND ALL MISCELLANEOUS VEHICLES OF CLASS –D OF THE COMMERCIAL VEHICLE TARIFF]

Liability to any paid driver or cleaner or conductor or persons employed in loading unloading may be covered on payment of Additional Premium @ Rs. 25/- per employee, the premium being chargeable on the total number of such employees, Registered to be carried in the vehicle .The Additional Premium of Rs. 25/- per employee is net irrespective of any period of insurance not exceeding 12 months.


Endorsement IMT –39 IS TO BE USED.

10.[b] LEGAL LIABILITY TO PAID DRIVER AND/ OR CONDUCTOR AND /OR CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF THE INSURED PASSENGER CARRYING VEHICLE [INCLUDING TAXIES AND MOTORIZED THREE / TWO WHEELERS RATABLE UNDER THE COMMERCIAL VEHICLES TARIFF].


Liability to any paid driver or conductor or cleaner, as applicable , employed in operation of the insured vehicle may b covered on payment of Additional Premium @ Rs. 25/- per employee the premium being chargeable on the total number of such employees registered to be carried in the vehicle. The Additional Premium of Rs. 25/- per employee is net irrespective of any period of insurance not exceeding 12 months.
Endorsement IMT-40 is to be used.

 

11. LIMITATION OF GEOGRAPHICAL AREA

a] Other than MOTOR TRADE Policies –INDIA
N.B. For extension beyond India , refer to G.R.4.

B] MOTOR TRADE POLICIES
[I] Section II – [I] – INDIA
[II]All other Section –INDIA, but subject to a radius of 160kms . from the insured’s address mentioned on the Policy.

N.B.: For package and Liability Only Policies in Respect of Trade certificates for transit of new Vehicles and chassis, the Geographical Area Under 11[b] {ii} above ‘ALL other Sections’ Is to be limited to a radius of 80 kms. From the Insured’s address mentioned on the policy and Endorsement IMT – 41 is to be used. The limit Of 80Kms may be extended upto 120kms. On Payment of 15% additional premium .transits Beyond a radius of 120kms.are to be rated as per The Road Transit RISKS Schedule In other cases extension of the territorial limit referred to in item 11[b][ii] may be permitted on payment of additional premium as follows :

A] From 160 to 320 kms.: 25% of the difference between Package Policy and Liability Only Policies premiums,

B] Extensions exceeding 320kms.: 50% of the difference between Package Policy and Liability Only policy premiums.

 

12.A. LIMITS OF LIABILITY FOR THIRD PARTY


A] Under section 11-1[ii] of the Package policy [Under Section 1[I] of the liability Only Policy As per requirements of Motor Vehicle Act, 1988
   
B] Under Section 11-1 [ii] of the Package policy Under Section 1[ii] of the
Liability Only Policy
Rs.1lac for motorized two wheelers and Rs.7.5 lacs for other Or Rs. 6000/- where the proposer / insured opts to limit the TPPD liability to the statutory limit of Rs. 6000/- endorsement IMT-20 is to be used

 

N.B.1. The limit under 12.A[b] above is in respect of any one Claim or series of claims arising out of one event / Occurrence.

N.B.2. If at the insured’s option, the expiring TPPD cover Stands limited to the statutory limit of Rs.6000/- An additional premium of RS. 50/-,150/-AND Rs-200/- For motorized two wheelers, three wheelers /taxis and other commercial vehicles respectively is to be charged for changing the TPPD COVER to Rs. 1 lac or Rs.7.5lakhs, as applicable, on renewal.


12.B. GUIDE TO COMPLETION OF POLICY SCHEDULES AND CERTIFICATE OF INSURANCE

For Motor Trade---- see Motor Trade Regulation NO. 4

For Special Types ---see Special Types Regulation N.7

NOTE : In the event of cover being granted to cover legal liability Under the Workmen’s Compensation Act the words ‘and also The liability under the Workmen’s Compensation Act 1923 In respect of the carriage of more than 6 persons employed in connection with the loading and unloading of the vehicle’ Shall be inserted after the work ‘Motor Vehicles Act’under REGULATION 12.A.[a].

CERTIFICATE OF INSURANCE AND POLICY SCHEDULE WORDING REGRADING ‘LIMITATION AS TO USE’ FOR USE IN PACKAGE POLICY AND LIABILITY ONLY POLICY FORMS.


A] Goods carrying vehicles -----class A Use only for carriage of goods within the meaning of the Motor Vehicles Act.
The policy does not cover :

1] Use for organized racing, pace-making , reliability trail or speed testing.

2] Use whilst drawing a trailer except the towing [other than for reward] of any one disabled mechanically propelled vehicle.

3] Use for carrying passengers in the vehicles: except employees {other than driver} not exceeding the number permitted in the registration document and coming under the purview of Workmen’s Compensation Act 1923.

NOTE: USE OF TRAILERS

Where additional premium is paid for Trailers amend(2) To read :
‘Use whilst towing any trailer/s insured with the Company, Or the towing (other than for reward ) of any one disabled mechanically propelled vehicles.’


B] TRAILERS --- CLASS B
The Policy covers any use permitted by the certificate Of Insurance of the towing vehicle provided the latter Is insured


C] PUBLIC PASSENGER SERVICE VEHICLE ---CLASS-C

Use only for carriage of passengers in accordance With the permits[Contract Carriage or stage Carriage] issued within the meaning of the Motor Vehicles Act.
The Policy does not cover:

1]use for organized racing pace making reliability trail or speed testing

2]Use whilst drawing a trailer, except the towing (other than for reward) of any one disabled mechanically propelled vehicle .

 

D] VEHICLE FOR HIRE


I] taxis or Private Car Type vehicle playing for public hire Class C1

Ii] Privet CAR TYPE vehicles let out on private hire by The owner with or without meters and driven by the Owner or employee of the owner – Class C 1 ‘Use only in connection with the insured’s business.’

The Policy does not cover :

I] Use for organized racing pace- making reliability trial Or speed testing

Ii] Use whilst drawing a trailer except the towing [other than for reward] of anyone disabled mechanically propelled vehicle.

iii) Private Car type vehicles let out on private hire and Driven by hirer or any driver with hires permission-


Class ---C1


‘Use only in connection with the Insured’s business’


The Policy does not cover :


1] Use for organized racing , pace- making , reliability trail or speed testing

2] Use whilst drawing a trailer except the towing [other than for reward] of any one disabled mechanically propelled vehicle.

3] Use for the conveyance of passengers for hire or reward, other than the guests of the hotel.


V} Motorized Rickshaws used for carrying passengers for Hire or Reward –C1 ‘use only for carriage of passengers in accordance with the permit [Contract CARRIAGE or STAGE carriage]issued within the meaning of the Motor Vehicle Act.’


The Policy does not cover

1] Use for organsid racing pace- making reliability trial or speed testing

2] Use whilst drawing a trailer except the towing {other than for reward } of any one disabled mechanically propelled vehicle.


Vi] Miscellaneous and special Type of Vehicle— Class ‘d’ See separate instruction under Class ‘D’


Vii] Motor Trade RISKS –Class ‘E, F &G’ See separate instructions under relevant section.Viii] Certificate of Insurance and Policy Schedule Wording regarding ‘Driver’ for use in Package
Policy Forms