(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.

Discount on Own Damage premium in package policies is available to Individual, Joint owners, Hire purchaser or companies who are members of recognized Automobile Association/s.

Discount up to maximum 33.1/3% may be allowed where use of vehicle is confined to sites (as applicable to goods carrying vehicles only.). The vehicle is not required to be registered under MV Act and is to be used only on site to which the public has no general right of access.

A discount of 33% of premium is normally allowed for vehicles designed for physically challenged.