Permit is given to luxury buses which have white color with a blue ribbon of five centimeters width at the center of exterior of the body and the word “Tourist” shall be inserted on two sides of the vehicle within a circle of sixty centimeters diameter. A tourist permit shall be invalid from the date of which the motor vehicle covered completes 9 years in the cases of motor cab and 8 years where the motor vehicle is other than a motor cab, unless the motor vehicle is replaced by another not more than 2 years old on the date of replacement. The seating layout shall be two and two or one and two or one and one on either wide, all seating facing forwards. The vehicle should also have other facilities such as public address system, drinking water, push full back seats, fans, curtains, a separate driver cabin etc.
Insurance Encyclopedia
All other contents clause
A phrase in the basic specification wording of the standard fire policy to extend cover to forms of property otherwise excluded. The term includes money and stamps, national insurance stamps, documents, manuscripts and business books, computer systems records, patterns, moulds, plans and designs, employees’ pedal cycles and personal effects. Monetary limits are usually applied to the majority of these items and cover in respect of plans, documents, etc., is limited to the cost of labour in writing them up and not their market values.
All other costs and expenses
See: Other Costs And Expenses.
All Other Perils Misfortunes
A phrase in an ocean marine cargo policy meaning perils of the same nature as those described specifically in the perils clause that may appear in an inland marine policy insuring movable goods.
All patient diagnosis-related group (APDRG or AP-DRG)
Diagnosis-related group (DRG) system that is an enhancement of the original DRGs. It includes groupings for pediatric and maternity cases and services for HIV-related conditions and other special cases.
All practicable steps
This means something possible of accomplishment regardless of cost but dependent on the state of knowledge at the time. For example, regulations under the Health and Safety at Work Act 1974 provide that all practicable steps shall be taken to ensure that no person employed shall be in the space between any moving part of a self-acting spinning mule and any fixed part of the machine towards which it is traversing. Compare with properly maintained and reasonably practicable.
All Risk Crop Insurance
A Government program to insure crops of specific types, on an all-risk basis, against loss from unavoidable causes.
All risks
A property insurance which covers any accidental loss or damage that is not specifically excluded under the policy.
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A property policy expression now out of fashion. It was used to designate contracts that promised coverage against all risks of direct physical loss in contrast to forms that covered for specific, named perils. The word all came to be perceived as open to broader interpretation than insurers intended and it was dropped in favor of the promise to cover risks of physical loss. See Named perils and Open perils.
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UK: A term describing a property insurance covering any fortuitous loss or damage that is not specifically excluded. This contrasts with a policy covering physical loss or damage caused by a named peril, e.g. fire. The ‘all risks’ exclusions relate to inevitable forms of loss, such as depreciation and wear and tear, and other losses due to gradually operating causes. All risks’ cover is available for personal possessions, cameras, jewellery, industrial equipment and goods in transit, and applies to Institute Cargo Clauses A. Under household and commercial policies on buildings and contents, and cover on motor vehicles, the term has given way to ‘accidental loss or damage’ as a means of going beyond named perils cover.
All risks coverage
Property insurance covering loss arising from any fortuitous cause except those that are specifically excluded. This is in contrast to named perils coverage, which applies only to loss arising out of causes that are listed as covered. Although many industry practitioners continue to use the term “all risks” to describe this approach to defining covered causes of loss in a property insurance policy, it is no longer used in insurance policies because of concern that the word “all” suggests coverage that is broader than it actually is. Because of this concern, some industry practitioners have begun to use the term “open perils” or “
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US: Property insurance covering loss arising from any fortuitous cause except those that are specifically excluded. This is in contrast to named perils coverage, which applies only to loss arising out of causes that are listed as covered. Although many industry practitioners continue to use the term “all risks” to describe this approach to defining covered causes of loss in a property insurance policy, it is no longer used in insurance policies because of concern that the word “all” suggests coverage that is broader than it actually is. Because of this concern, some industry practitioners have begun to use the term “open perils” or “special perils” instead of “all risks.”
All-clause deductible
Insurance policy provision in which the deductible is met by a collection of eligible expenses incurred for any variety of covered claims within a given time period.