Followings are generally not covered under any comprehensive policy:

• Mechanical breakdown
• Wear & tear
• Consequential loss
• Depreciation
• Deliberate accident loss
• Intoxicated driving
• Any contractual liability

If the person driving the vehicle has a valid license, the vehicle is insured for all the accidents that occurred due to the hazards specified. To insure the person driving the vehicle, who is not the owner, an additional personal accident cover has to be taken for unnamed passengers. For the owner-driver, the policy compulsorily has a personal accident cover, as per tariff.

The insured is adequately covered in case of an occurrence due to the specified hazards leading to bodily injury/ permanent disability or death. The motor insurance policy essentially has a PA cover for the owner-driver, as per tariff, for which no extra premium is to be paid. For a person other than the owner and driver, the PA cover has to be taken separately paying an additional premium. The amount paid as compensation depends upon the extent of cover opted for. And for the driver, the extent of the cover is in accordance with the Workmen's Compensation Act.

NCB will be forfeited in following cases only:

• If there is any claim made
• If there is a break in the insurance period for more than 90 days

You can insure your vehicle accessories under electrical and non- electrical items whose amount is not included in the showroom price of the car but are fitted separately to the vehicle. For that you need to declare the value of such items separately, which will be added to the sum insured over and above the IDV (Insured's Declared Value).

In case of vehicles fitted with bi-fuel system such as Petrol/ Diesel and CNG/LPG, permitted by the RTA concerned, the CNG/LPG kit fitted to the vehicle is to be insured separately at an additional premium of 4% on the value of such kit. You need to specifically declare this in the proposal form.

The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of motor tariff and it will be fixed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle is to be fixed on the basis of manufacturer's listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation (as per schedule specified below). The IDV of the side car(s) and / or accessories, if any, fitted to the vehicle but not included in the manufacturer's listed selling price of the vehicle is also likewise to be fixed. Schedule of Depreciation for arriving at IDV

• Below the 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%

The value of accessories is calculated on the original cost of purchase of the accessory less depreciation for the usage. The depreciation is applied at the same rate as is applied for a vehicle for calculating IDV (Insured's Declared Value).

This covers Legal liability to paid drivers /and/or cleaner employed in connection with the operation and/or maintenance of motor vehicle under the Workmen's Compensation Act, Fatal Accidents Act and at Common Law.

Yes, you would be required to pay premium again.

A discount of 50% is available on the own damage premium provided they modify such vehicles for use. The above discount is also available for institutions exclusively engaged in the service of the handicapped.

Yes, as a member of any of the following Automobile Association, a discount is given under the policy. The Associations are:

• Automobile Association of Eastern India
• The United Province Automobile Association
• The Western India Automobile Association
• The Automobile Association of Southern India
• The Automobile Association of Upper India

If the vehicle is fitted with anti theft devices, which is approved by the Automobile Research Association of India (ARAI), a discount on own damage premium is allowed.

ARAI stands for Automotive Research Association of India. In case you have installed ARAI approved anti theft device in your vehicle, whose installation is duly certified by the agency, you get a discount of 2.5% on the OD Premium to a maximum of `500.

Yes, if you take your vehicle to insurer's authorized garage/workshop for which insurer have agreement for cashless facility, you can avail cashless repair of damages. These garages come under network garages.

Insured will have to bear the following charges:

• The amount of depreciation as per the rate prescribed by the Tariff advisory Committee
• Reasonable value of salvage
• Compulsory and voluntary deductions under the policy, if insured have opted for it.

The claim is still valid even after the expiry of the policy date because the event took place during the policy period.

Yes, if claim is filed for any kind of damages during the insured period, at renewal, all the NCB ceases that have been accrued over the years. So it is advisable to always compare the amount of future NCB and claims before filing for any claim.

Deductible is the portion of claim that is not insured under the policy. Voluntary deductible is the amount that you have to compulsorily bear during the event of a claim.
For e.g., if your claim amount is 15,000 and the voluntary deductible is 4000, then you have to bear the first 4000 and the claim will be worth 11000. Discount on the premium is given for choosing higher deductible. There is also a compulsory deductible applicable as per the Indian Motor Tariff:

• Private Cars (Not exceeding 1500cc) 500
• Private Cars (Exceeding 1500cc) 1000