Drive less Pay Less are some of the concepts which are gaining ground due to rising fuel costs and increasing traffic congestions. The concept of underwriting on the basis of make model and carrying capacity do not provide equal ground. The Supreme Court of India has recommended the Government to provide identical grounds to all users of vehicles on the basis of its use by mulling on petrol cess or kilometer traversed by a vehicle.

A business auto or garage policy endorsement providing coverage for named individuals while driving nonowned autos in situations unrelated to the business of the insured.

Liability coverage that may be added to an organizations Motor Policy extending liability coverage to individuals named in the endorsement, such as employees, while they are driving cars which neither they nor the organization own.
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Drive other car coverage can be added to the Business Auto Policy (BAP) to provide coverage for employees of a firm who are supplied a company car but do not own a personal vehicle and therefore do not have a personal auto policy. The endorsement extends coverage for the named individual or spouse when driving a car borrowed from a third party. (See Business Auto Policy).

An extra form of coverage that may be tacked on to an automobile insurance policy. The endorsement covers the policyholder while driving cars that he or she does not own.

A facility maintained by some insurer in which the extent of damage to a claimant’s automobile can be determined and in many cases a settlement made.

A system that evaluates driver’s aptitude and shuts down the vehicle when incompetence is detected. Technology exists that measures a driver’s fitness and issues warnings when a driver is judged overly tired or impaired. The system remembers a driver’s normal behavior behind the wheel and establishes it as the driver’s baseline profile. Continually measuring factors such as speed, lateral acceleration, steering wheel angle, pedal use and so forth, the system determines if there is any deviation from the baseline. If so, it alerts the driver visually and audibly that it’s break time. Even external influences such as crosswind and road surface are factored in.

To encourage driver education courses at schools and colleges, many insurers grant premium rebates to applicants for private passenger automobile insurance who have successfully completed an approved training program.

The term ‘Driver’ in relation to a Motor vehicle which is drawn by another motor vehicle, the person who acts as a steer man of the drawn vehicle.

Driverless vehicle has become more a fact than a fiction. Google’s driverless car has now clocked more than 300,000 miles without a single accident whilst under the computer’s control. If this technology be widely adopted then this could be an answer to reducing the road accidents and thereby reduction in insurance premium. Due to driverless system’s accuracy, these vehicles could reduce the number of fatalities that occur on the roads daily. A driverless system could help to eradicate careless and negligent driving behavior, thereby reducing the number of accidents. If there are lesser the number of accidents cars could be built lighter, allowing for less fuel consumption. Imagine too driving under the influence of intoxication would no longer exist and few hundred thousand lives could be saved each year.

The license issued by a Competent Authority under Chapter II of the 1988 Motor Vehicles Act authorizing the person specified therein to drive, otherwise than as a learner, a motor vehicle or a motor vehicle of any specified class of description. Under these provisions of New Motor Vehicles Act, 1988, a “Learners License” is not considered to be a “Driving License.”