(a) Passenger Liability in Public Passenger Service Vehicles i.e., Taxi, buses and rickshaws subject to additional premium. (b) Bi-fuel (attachments for using CNG or LPG as alternative fuel for running the vehicles): For vehicles fitted with bi-fuel arrangement require an endorsement in the Registration Certificate and an additional premium is to be paid for Third Party Liability Cover. (c) Liability for persons employed in connection with the operation of the vehicle. (d) Personal Accident Cover for Owner Driver: This cover is compulsorily given to owners of individually owned vehicles, other than vehicles insured under commercial vehicles, Trade Risk Policies, applicable to both Liability Policy and Package Policy. The cover is not applicable to commercial vehicles under Section E, F & G. The owner must be holding an effective driving licence. The cover is provided to the owner-driver whilst driving the vehicle, including mounting or dismounting from or traveling in the insured vehicle as a co-driver. The scope of cover and sum insured for death, loss of 2 limbs or sight of two eyes or loss of one limb and sight of one eye or permanent total disablement is 100% of sum insured, loss of one limb or sight of one eye is 50% of the sum insured. Maximum sum insured for two wheelers is Rs. 1,00,000 nd for Private Cars and Commercial Vehicles Rs. 2,00,000/-.

All Insurance contracts must have the following five essential elements in order that they may be enforceable at law:(i) offer and acceptance (ii) consideration (iii) consensus ad idem i.e., agreement between the parties (iv) capacity of the parties and (v) legality of the contract.