On payment of appropriate additional premium.

Liability to any paid driver or cleaner or conductor or persons employed in loading/unloading may be covered on payment of additional premium. The premium to be charged on total number of such employees registered to be carried on the vehicle and the coverage is in terms of the Employees Compensation Act.

Techograph is a precision instrument which records a vehicle’s driving pattern along the route for a period of 24 hours. It given an accurate record of the distance travelled, stoppages en-route (authorized or unauthorized), braking pattern, various speed levels etc. The Techograph provides irrefutable evidence in case of accidents by giving relevant information about the speed, time and place of accident. For the driver, it is also an assurance of safety as he will be warned when he is over-speeding. The Techograph promotes good driving habits and results in saving of fuel and maintenance costs and reduction of road accidents and is as such being installed by many Private Operators, State Road Transport Corporations and Public Owned Corporations and Fleet Operators.

(i) Pvt Cars/Taxes are rated as Private Cars/Taxis up to 1000 cc; (ii) Motorised 2 wheelers are rated as motorized 2 wheelers with capacity exceeding 150 cc but not exceeding 350 cc (iii) For vehicles driven solely by any other non-conventional source of power approved by RTA reference to be made to IRDAI.

Policies issued to cover imported vehicles belonging to Embassies, Consulates etc where the import duty element is not included in IDV the premium chargeable is appropriately loaded.

Registered by RTA for giving tuitions having double clutches and double brakes with professional tutor accompanying the trainee on payment of appropriate additional premium.

The working arrangement between motor Insurer’s to provide a fund from which claims from injured third parties may be met where these arise from a cause for which motor Insurance is compulsory but the policy of offending driver is ineffective or absent. Claims may also be considered from injured third parties where the guilty drive is unknown.

Vehicles fitted with anti-theft devices are approved by ARAI, Pune (Automobile Research Association of India) and installations certified by the approved Automobile Association are eligible for discount on OD subject to a maximum per cent age as also subject to a maximum value.