Package policy form provides wider cover for ‘own damage,’ ‘Act Liability’, and P.A. to owner/river with suitable modifications based on the class of vehicle covered. It can also be extended to cover additional liabilities such as liability employees or the insured who may be travelling in or driving the employer’s cars, augmented Third Party Property Damage Liability, etc. Insurers could, restrict the cover under the Own damage Section of Package Policy without reduction in premiums or increase the premium. However, ‘Liability only’ cover cannot be modified.