The Insurance protection for (i) own damage loss to cart/Tonga/coach by accidental external means, fire, explosion, Act of God Perils, malicious act including riot and strike including any of these perils whilst in transit by road, rail or inland waterways. (ii) against death or permanent total disablement of the animal used for pulling or driving the carriage due to accident caused whilst attached to the cart/Tonga/coach (iii) against third party liability (iv) for death or disablement of the driver due to accident whilst mounting into or dismounting from or driving the cart/Tonga or coach. Animals to be used for driving/pulling of cart/Tonga are Male Buffalo, Bullock, Castrated Bullock, Horse, Mule, Donkey, Camel, Yak.