Private Car Comprehensive

I. Loss in case of damage to vehicle by:

a ) Accidental external means
b ) Fire, external explosion, self-ignition, lightning and frost
c ) Burglary, housebreaking and theft
d ) Malicious act
e ) Riot and strike damage
 f ) Flood, hail, wind, hurricane, cyclone, tornado and typhoon damages
g ) Earthquake, volcanic eruption or other convulsion of nature
h ) Risk while in transit by air, road, rail, inland waterway, lift or elevator
 i ) Transport of motor car to nearest workshop in case it breaks down (Subject to Rs 500 limit)
 j ) In the event of motor car being disabled by reason of loss or damage:

• the reasonable cost of protection and removal to the nearest repairer should not exceed Rs.500
• The company should be provided a detailed estimate of the costs incurred

II. Third Party Liability on the Participant in case of:

a) Death or bodily injury to a third party (except for the person employed by the Participant)
b) Damage to property of a third party (except for the property held in trust or custody by the Participant of a third party)
c) Indemnity to any person driving any on Participant order/permission given that he is not entitled to indemnity under any other Participant Membership Document
d) Indemnity to the Participant even when he is driving a vehicle not belonging to him and not hired by him under a hire purchase agreement
e) In case of death of a third party, the company will indemnify the deceased’s personal representatives in the terms of and subject to the limitations of the Participant Membership Document

III. Medical expenses to the Participant:

a) The company will pay to the Participant medical expenses not exceeding Rs. 350 in case of an accidental bodily injury