Saturday, 16 December 2017 2:35 PM

General Regulations TP Premium Rates Comparison Motor Classification IMT List Compulsory Excess

TWO WHEELERS 3 WHEELERS

Policy Duration ZONE
ZONE TYPE OF VEHICLE
ENTER IDV ENTER IDV
DISCOUNT / LOADING % DISCOUNT / LOADING %
ENTER NCB % ENTER NCB %
ENTER CC YEAR OF MANUFACTURE
YEAR OF MANUFACTURE
PA TO OWNER / DRIVER PA TO OWNER / DRIVER
PA TO PILLION RIDER CNG KIT (COMPANY FIT)
OD PREMIUM OD PREMIUM
TOTAL TP PREMIUM TOTAL TP PREMIUM
PREMIUM AMOUNT PREMIUM AMOUNT

PRIVATE CARS MISCELLANEOUS

Type of Policy Type of Policy
ZONE ZONE
SELECT MAKE / MODEL VEHICLE TYPE
ENTER IDV ENTER IDV
ELECTRICAL ACCESSORIES ELECTRICAL ACCESSORIES
ANTI-THEFT DEVICE DISCOUNT / LOADING %
CNG Kit (Company Fit) NO ENTER NCB %
DISCOUNT / LOADING % YEAR OF MANUFACTURE
ENTER NCB % OVER TURNING
ENTER CC PA TO OWNER / DRIVER
YEAR OF MANUFACTURE LEGAL LIABILITY
PA TO PASSENGERS OD PREMIUM 0
PA TO OWNER / DRIVER TOTAL TP PREMIUM
OD PREMIUM PREMIUM AMOUNT

TOTAL TP PREMIUM
PREMIUM AMOUNT TAXI / MAXI

Type of Policy
GOODS CARRYING ZONE
Type of Policy SUB-CLASS
ZONE
VEHICLE TYPE
TYPE OF VEHICLE USAGE
ENTER IDV ENTER IDV
ELECTRICAL ACCESSORIES ELECTRICAL ACCESSORIES
DISCOUNT / LOADING % DISCOUNT / LOADING %
ENTER NCB % ENTER NCB %
YEAR OF MANUFACTURE ENTER CC
ENTER VEHICLE GVW YEAR OF MANUFACTURE
LEGAL LIABILITY (LL) ENTER SEATING CAPACITY
NON FARE PAYING PAX LEGAL LIABILITY
IMT-23 COVERAGE IMT-23 COVERAGE NO
PA TO OWNER / DRIVER PA TO OWNER / DRIVER
OD PREMIUM OD PREMIUM
TOTAL TP PREMIUM TOTAL TP PREMIUM
PREMIUM AMOUNT PREMIUM AMOUNT

karunakar.murari@iffcotokio.co.in Calculator Updated on: 14-Aug-2017 Valid till : 31-March-2018

 0

December 16, 2017

Name of the Proposer
Vehicle Registration Number
Make / Model
Year of Manufacture 0
Vehicle CC 0
IDV of the Vehicle 0
Basic Premium ZONE C 0.000% 0
No Claim Bonus % 0% 0
NCB Compensation Discount % 0.00 0
Discount % 0% 0
TOTAL OD PREMIUM
Basic Third Party Premium 0
PA to Owner / Driver 0 NIL 0
PA to Pillion Rider 0 NIL 0
TOTAL PREMIUM 0
GST @ 18 % 0
PREMIUM PAYABLE 0
QUOTATION FOR PRIVATE CAR INSURANCE

December 16, 2017

Name of the Proposer
Vehicle Registration Number
Make / Model 0
Year of Manufacture 0
Vehicle CC 0
IDV of the Vehicle 0
Basic Premium 0 0
Electrical / Non Elec Accessories 0 NIL 0
CNG Kit (Company Fit) NO 0 0
Anti-Theft Device Discount NO NIL 0
No Claim Bonus % 0% 0
Discount % 0.0% 0
Additional Loading 0
TOTAL OD PREMIUM 0
Basic Third Party Premium 2055
PA to Owner / Driver 0 0 0
Legal Liability to Paid Driver YES 0
PA to Passengers 0 NO 0
TOTAL PREMIUM 2055
GST @ 18 % 370
PREMIUM PAYABLE 2425
 Quotation for Three wheeled Passenger
carrying vehicles used for hire or reward
upto 6 (six) passengers - C.1B
December 16, 2017
Name of the Proposer
Vehicle Registration Number
Make / Model
Type of Vehicle 0
Year of Manufacture 0
IDV of the Vehicle 0
Basic Premium ZONE C 0 0
No Claim Bonus % 0% 0
Discount % 0% 0
CNG Kit (Company Fit) 0 NIL 0
TOTAL OD PREMIUM 0
Basic Third Party Premium 0
PA to Owner / Driver 0 0 0
Legal Liability YES 1 50
0 0
CNG Kit (Company Fit) 0 0
TOTAL PREMIUM 50
GST @ 18 % 9
PREMIUM PAYABLE 59
 QUOTATION FOR
MISCELLANEOUS INSURANCE -

December 16, 2017

Name of the Proposer
Vehicle Registration Number
Make / Model
Year of Manufacture 0
IDV of the Vehicle 0
Basic Premium ZONE C 0 0
Electrical Accessories 0 0
Over Turning Coverage 0 0 0
No Claim Bonus % 0% 0
Discount % 0.0% 0
Additional Loading 0
TOTAL OD PREMIUM 0
Basic Third Party Premium 4892

PA to Owner / Driver 0 NIL 0

Legal Liability YES 0 0
TOTAL PREMIUM 4892
GST @ 18 % 881
PREMIUM PAYABLE 5773
 Quotation for
Commercial Tractor
December 16, 2017
Name of the Proposer
Vehicle Registration Number
Make / Model
Type of Usage 0
Year of Manufacture 0
IDV of the Vehicle 0
Basic Premium ZONE C 0 0
GVW Premium Kgs. 0 0
Electrical Accessories 0 NIL 0
IMT 23 Coverage 0 NIL 0
No Claim Bonus % 0% 0
Discount % 0.0% 0
Additional Loading 0
TOTAL OD PREMIUM 0
Basic Third Party Premium 14390
PA to Owner / Driver 0 0 0
Legal Liability NO 0 0
Non Fare Paying Pax NO 0 0
TOTAL PREMIUM 14390
GST @ 18 % 2590
PREMIUM PAYABLE 16980
Quotation for Four wheeled Passenger carrying
vehicles used for hire or reward with carrying
capacity upto 6 (six) passengers - C.1A

December 16, 2017

Name of the Proposer
Vehicle Registration Number
Make / Model
Year of Manufacture 0
Vehicle CC 0
IDV of the Vehicle 0
Basic Premium ZONE C 0 0
Electrical Accessories 0 NIL 0
No Claim Bonus % 0% 0
Discount % 0.0% 0
Additional Loading 0
TOTAL OD PREMIUM 0
Third Party Premium including passengers -1 0
PA to Owner / Driver 0 0 0
Legal Liability YES 0 0
TOTAL PREMIUM 0
GST @ 18 % 0
PREMIUM PAYABLE 0
 Quotation for Passenger carrying vehicle with
seating capacity exceeding 6 (six) passengers -
C.2
December 16, 2017
Name of the Proposer
Vehicle Registration Number
Make / Model
Year of Manufacture 0
IDV of the Vehicle 0
Basic Premium ZONE C 0 0
Electrical Accessories 0 NIL 0
IMT 23 Coverage NO NIL 0
No Claim Bonus % 0% 0
Discount % 0% 0
Additional Loading 0
TOTAL OD PREMIUM 0
Third Party Premium including Passengers 0 0
PA to Owner / Driver 0 0 0
Legal Liability YES 0 0
TOTAL PREMIUM 0
GST @ 18 % 0
PREMIUM PAYABLE 0
 MISCELLANEOUS - VALUE AUTO COVERAGES

ENTER REGISTRATION DATE OF THE VEHICLE (DD-MM-YYYY)

ENTER POLICY INCEPTION DATE (DD-MM-YYYY)
SELECT THE CHANNEL TYPE
SELECT THE ZONE

ONLY "DEPRECIATION WAIVER" ALONE ALSO CAN BE SELECTED

SECTION 1 DEPRECIATION WAIVER

SECTION 2 TOWING & / REMOVAL OF THE VEHICLE

Optional

SECTION 3 PERSONAL EFFECT & BELONGINGS

Optional THE MAXIMUM LIMIT OF LIABILITY WILL BE

SECTION 4 INCREASED PROPERTY DAMAGE LIABILITY

Optional SELECT ADDITIONAL LIMIT OF LIABILITY
UE AUTO COVERAGES

VEHICLE (DD-MM-YYYY) 3/14/2014

ON DATE (DD-MM-YYYY) 4/4/2017
NON-DEALER

ANDHRA PRADESH

LONE ALSO CAN BE SELECTED

YES

E VEHICLE NO

NGINGS NO
MIT OF LIABILITY WILL BE

MAGE LIABILITY NO
ONAL LIMIT OF LIABILITY
 QUOTATION FOR MISCELLANEOUS INSURANCE WITH VALUE AUTO COV

December 16, 2017

Name of the Proposer

Vehicle Registration Number
Vehicle Make / Model 0

Channel NON-DEALER
Zone ANDHRA PRADESH
Year of Manufacture 0
IDV of the Vehicle 0
Basic Premium - ZONE C 0 0
Electrical Accessories : 0
Over Turning 0% 0
No Claim Bonus 0% 0
Discount % 0% 0
Additional Loading 0
TOTAL OD PREMIUM 0
Date of Vehicle Registration : 3/14/2014
SURANCE WITH VALUE AUTO COVERAGES

ADD - ON COVERAGES

Depreciation Waiver #N/A #N/A

0
0
0
THIRD PARTY COVERAGES
Basic Third Party Premium 4892
PA to Owner / Driver 0 NIL 0
Legal Liability YES 0 0
TOTAL PREMIUM BEFORE SERVICE TAX #N/A
GST @ 18 % #N/A
PREMIUM PAYABLE #N/A
Date of Policy inception 4/4/2017
 TWP - VALUE AUTO COVERAGES

ENTER REGISTRATION DATE OF THE VEHICLE (DD-MM-YYYY)

ENTER POLICY INCEPTION DATE (DD-MM-YYYY)

SELECT THE CHANNEL & TYPE OF VEHICLE

PLEASE SELECT THE REGION

ONLY "DEPRECIATION WAIVER" ALONE ALSO CAN BE SELECTED

SECTION 1 DEPRECIATION WAIVER NO

SECTION 2 PERSONAL EFFECT & BELONGINGS NO

Optional 0

SECTION 3 INCREASED PROPERTY DAMAGE LIABILITY NO

Optional

SECTION 4 TOWING & / REMOVAL OF THE INSURED VEHICLE NO

Optional
 0

December 16, 2017

BASIC COVERAGES ADD - ON COVERAGES
Name of the Proposer
Vehicle Registration Number 0
Vehicle Make / Model
Channel 0 0
Type of Vehicle SCOOTER
Year of Manufacture 0 0
Vehicle CC 0 0
IDV of the Vehicle 0 0
THIRD PARTY COVERAGES
Basic Premium - ZONE C 0.000% 0 Basic Third Party Premium 0
No Claim Bonus % 0% 0 PA to Owner / Driver 0 NO 0
NCB Compensation Discount % 0% 0 PA to Pillion Rider 0 NIL 0
Discount % 0% 0 TOTAL PREMIUM BEFORE SERVICE TAX
GST @ 18 %
TOTAL OD PREMIUM PREMIUM PAYABLE
Date of Vehicle Registration : 12/30/1899 Date of Policy inception 12/30/1899
 3 WHEELERS - VALUE AUTO COVERAGES

ENTER REGISTRATION DATE OF THE VEHICLE (DD-MM-YYYY) 5/4/2014

ENTER POLICY INCEPTION DATE (DD-MM-YYYY) 3/29/2017

ONLY "DEPRECIATION WAIVER" ALONE ALSO CAN BE SELECTED

SECTION 1 DEPRECIATION WAIVER YES

SECTION 2 TOWING & / REMOVAL OF THE INSURED VEHICLE NO

Optional

SECTION 3 PERSONAL EFFECT & BELONGINGS NO

Optional

SECTION 4 INCREASED PROPERTY DAMAGE LIABILITY NO

Optional
 QUOTATION FOR 0 WITH VALUE AUTO COVERAGES

December 16, 2017

BASIC COVERAGES ADD - ON COVERAGES
Name of the Proposer
Vehicle Registration Number Depreciation Waiver 121.18% 0
Vehicle Make / Model
0
Type of Vehicle 0
0
Year of Manufacture 0 0
IDV of the Vehicle 0 0
THIRD PARTY COVERAGES
Basic Premium ZONE C 0 0 Basic Third Party Premium including Passengers cover 0
CNG Kit (Company Fit) NIL 0 PA to Owner / Driver 0 0 0
No Claim Bonus % 0% 0 Legal Liability YES 1 50
Discount % 0% 0
TOTAL PREMIUM BEFORE SERVICE TAX 50
TOTAL OD PREMIUM AFTER NCB 0 GST @ 18 % 9
PREMIUM PAYABLE 59
Date of Vehicle Registration : 5/4/2014 Date of Policy inception 3/29/2017
 PCP - VALUE AUTO COVERAGES

ENTER REGISTRATION DATE OF THE VEHICLE (DD-MM-YYYY) 12/20/2012

ENTER POLICY INCEPTION DATE (DD-MM-YYYY) 11/2/2017
SELECT THE CHANNEL & FUEL TYPE NON-DEALER DIESEL

SELECT MAKE & MODEL OF THE VEHICLE HYUNDAI VERNA

SELECT THE ZONE ANDHRA PRADESH

ONLY "DEPRECIATION WAIVER" ALONE ALSO CAN BE SELECTED

SECTION 1 DEPRECIATION WAIVER YES

NEW VEHICLE REPLACEMENT NO

SECTION 2
Optional -
-

SECTION 2 PERSONAL EFFECT & BELONGINGS YES

Optional THE MAXIMUM LIMIT OF LIABILITY WILL BE Rs. 7,500/-

SECTION 3 INCREASED PROPERTY DAMAGE LIABILITY NO

Optional

SECTION 4 TOWING & / REMOVAL OF THE INSURED VEHICLE YES

Optional MAX LIMIT OF TOWING COST WILL BE Rs. 7,500/-
 QUOTATION FOR PRIVATE CAR INSURANCE WITH VALUE AUTO COVERAGES

December 16, 2017

BASIC COVERAGES ADD - ON COVERAGES
Name of the Proposer
Vehicle Registration Number Depreciation Waiver 1.072% 0
Vehicle Make / Model HYUNDAI VERNA
Year of Manufacture 0 0
Vehicle CC 0
IDV of the Vehicle 0 Personal Effect & Belongings Rs. 7,500/- 75
Channel & Fuel Type NON-DEALER DIESEL 0
Zone ANDHRA PRADESH Towing / Removal of Vehicle : Rs. 7,500/- 75
Basic Premium - 0 0 THIRD PARTY COVERAGES
Electrical Accessories 0 0 Basic Third Party Premium 2055
CNG Kit (Company Fit) 0 0 PA to Owner / Driver 0 NO 0
- - - Legal Liability YES 0
No Claim Bonus % 0% 0 PA to Passengers 0 NO 0
Discount % 0.0% 0 TOTAL PREMIUM BEFORE SERVICE TAX 2205
Additional Loading 0 GST @ 18 % 397
TOTAL OD PREMIUM 0 PREMIUM PAYABLE 2602
Date of Vehicle Registration : 12/20/2012 Date of Policy inception 11/2/2017
 GCV - VALUE AUTO COVERAGES

ENTER REGISTRATION DATE OF THE VEHICLE (DD-MM-YYYY) 7/27/2015

ENTER POLICY INCEPTION DATE (DD-MM-YYYY) 7/27/2017
SELECT THE CHANNEL TYPE NON-DEALER

SELECT THE ZONE ANDHRA PRADESH

ONLY "DEPRECIATION WAIVER" ALONE ALSO CAN BE SELECTED

SECTION 1 DEPRECIATION WAIVER YES

SECTION 2 TOWING & / REMOVAL OF THE INSURED VEHICLE NO

Optional

SECTION 3 PERSONAL EFFECT & BELONGINGS NO

Optional

SECTION 4 INCREASED PROPERTY DAMAGE LIABILITY NO

Optional
 Quotation for Commercial Tractor
0 VEHICLE
December 16, 2017
BASIC COVERAGES ADD - ON COVERAGES
Name of the Proposer
Vehicle Registration Number Depreciation Waiver 0.35% 0
Vehicle Make / Model
Channel Type & Zone NON-DEALER ANDHRA PRADESH 0
Year of Manufacture 0
IDV of the Vehicle 0 0
0
Basic Premium ZONE C 0 0 0
GVW Premium Kgs. 0 0 THIRD PARTY COVERAGES
Electrical Accessories 0 0 Basic Third Party Premium 14390
IMT 23 Coverage 0% 0 PA to Owner / Driver 0 0 0
No Claim Bonus % 0% 0 Legal Liability NO 0 0
Discount % 0% 0 NO 0 0
0 TOTAL PREMIUM BEFORE SERVICE TAX 14390
TOTAL OD PREMIUM AFTER NCB 0 GST @ 18 % 2590
PREMIUM PAYABLE 16980
Date of Vehicle Registration : 7/27/2015 Date of Policy inception 7/27/2017
 TAXI - VALUE AUTO COVERAGES

ENTER REGISTRATION DATE OF THE VEHICLE (DD-MM-YYYY) 2/2/2014

ENTER POLICY INCEPTION DATE (DD-MM-YYYY) 3/29/2017
SELECT THE CHANNEL TYPE NON-DEALER

SELECT THE ZONE ANDHRA PRADESH

ONLY "DEPRECIATION WAIVER" ALONE ALSO CAN BE SELECTED

SECTION 1 DEPRECIATION WAIVER YES

SECTION 2 TOWING & / REMOVAL OF THE VEHICLE NO

Optional

SECTION 3 PERSONAL EFFECT & BELONGINGS NO

Optional THE MAXIMUM LIMIT OF LIABILITY WILL BE

SECTION 4 INCREASED PROPERTY DAMAGE LIABILITY NO

Optional SELECT ADDITIONAL LIMIT OF LIABILITY Rs.1,00,000/-
 Quotation for Four wheeled Passenger carrying vehicles used for hire or reward with carrying capacity
upto 6 (six) passengers - C.1A
WITH VALUE AUTO COVERAGES
December 16, 2017
BASIC COVERAGES ADD - ON COVERAGES
Name of the Proposer Ex-Showroom Price 452000
Vehicle Registration Number Depreciation Waiver 0.225% 0
Vehicle Make / Model New Vehicle Replacement 0.00%
Year of Manufacture 0 Registration Cost 45000 1255
IDV of the Vehicle 0 Insurance Cost 5000
Cubic Capacity 0 0
Channel Type : NON-DEALER & ZONE : ANDHRA PRADESH 0
(A) Basic Premium : ZONE C 0 0 0
(B) Electrical Accessories 0 0 THIRD PARTY COVERAGES
Basic Own Damage Premium (A+ B) 0 Third Party Premium including passengers -1 0
No Claim Bonus % 0% 0 PA to Owner / Driver 0 0 0
Discount % 0% 0 Legal Liability YES 0 0
0 TOTAL PREMIUM BEFORE SERVICE TAX 1255
TOTAL OD PREMIUM 0 GST @ 18 % 226
PREMIUM PAYABLE 1481
Date of Vehicle Registration : 2/2/2014 Date of Policy inception 3/29/2017
 MAXI - VALUE AUTO COVERAGES

ENTER REGISTRATION DATE OF THE VEHICLE (DD-MM-YYYY)

ENTER POLICY INCEPTION DATE (DD-MM-YYYY)
SELECT THE CHANNEL TYPE

SELECT THE VEHICLE DETAILS

SELECT THE ZONE

ONLY "DEPRECIATION WAIVER" ALONE ALSO CAN BE SELECTED

SECTION 1 DEPRECIATION WAIVER NO

SECTION 2 TOWING & RELATED NO

Optional

SECTION 3 PERSONAL EFFECT & BELONGINGS NO

Optional THE MAXIMUM LIMIT OF LIABILITY

SECTION 4 INCREASED PROPERTY DAMAGE LIABILITY NO

Optional SELECT ADDITIONAL LIMIT OF LIABILITY
 Quotation for Passenger carrying vehicle with seating capacity exceeding 6 (six) passengers - C.2

WITH VALUE AUTO COVERAGES

December 16, 2017
BASIC COVERAGES ADD - ON COVERAGES
Name of the Proposer
Vehicle Registration Number 0.000 0
Vehicle Make / Model
Zone 0 0
Year of Manufacture 0
IDV of the Vehicle 0 0
Channel 0 0
0
Basic Premium - ZONE C 0 0 THIRD PARTY COVERAGES
Electrical Accessories 0 Third Party Premium including Passengers 0 0
IMT 23 Cover NO 0 PA to Owner / Driver 0 0 0
No Claim Bonus % 0% 0 Legal Liability YES 0 0
Discount % 0% 0 TOTAL PREMIUM BEFORE SERVICE TAX 0
0 GST @ 18 % 0
TOTAL OD PREMIUM 0 PREMIUM PAYABLE 0
Date of Vehicle Registration : 12/30/1899 Date of Policy inception 12/30/1899
IMT List
IMT. 1. Extension of Geographical Area
IMT.2. Agreed Value Clause
IMT. 3. TRANSFER OF INTEREST
IMT.4. Change of Vehicle
IMT. 5. HIRE PURCHASE AGREEMENT
IMT.6. LEASE AGREEMENT
IMT.7. Vehicles subject to Hypothecation Agreement
IMT. 8. Discount for Membership of Recognised Automobile Associations
IMT.9. DISCOUNT FOR VINTAGE CARS
IMT.10. INSTALLATION OF ANTI-THEFT DEVICE
IMT. 11.A. VEHICLES LAID UP
IMT. 11. B. VEHICLES LAID UP
IMT. 11C. Termination of the UNDECLARED Period of Vehicle Laid up.
IMT.12. Discount for specially designed/modified vehicles for the Blind,
Handicapped and Mentally Challenged persons.
IMT.13 .USE OF VEHICLE WITHIN INSUREDS OWN PREMISES
IMT.14. USE OF VEHICLE CONFINED TO SITES
IMT 15. PERSONAL ACCIDENT COVER TO THE INSURED OR ANY NAMED
PERSON OTHER THAN PAID DRIVER OR CLEANER
IMT.16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS OTHER THAN
INSURED AND THE PAID DRIVER AND CLEANER
IMT 17. PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND
CONDUCTORS
IMT.18. PERSONAL ACCIDENT TO UNNAMED HIRER AND UNNAMED PILLION
PASSENGERS
IMT.19. COVER FOR VEHICLES IMPORTED WITHOUT CUSTOMS DUTY
IMT.20. REDUCTION IN THE LIMIT OF LIABILITY FOR PROPERTY DAMAGE

IMT. 21. SPECIAL EXCLUSIONS AND COMPULSORY DEDUCTIBLE

IMT.22. COMPULSORY DEDUCTIBLE

IMT 22A. VOLUNTARY DEDUCTIBLE

IMT 23. COVER FOR LAMPS TYRES / TUBES MUDGUARDS BONNET /SIDE
PARTS BUMPERS HEADLIGHTS AND PAINTWORK OF DAMAGED PORTION
ONLY .

IMT.24. ELECTRICAL / ELECTRONIC FITTINGS

IMT.25. CNG/LPG KIT IN BI-FUEL SYSTEM

IMT.26. FIRE AND/OR THEFT RISKS ONLY

IMT. 27. LIABILITY AND FIRE AND/OR THEFT

IMT. 28. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR

CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF INSURED
VEHICLE
IMT. 29. LEGAL LIABILITY TO EMPLOYEES OF THE INSURED OTHER THAN
PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER WHO MAY BE
TRAVELLING OR DRIVING IN THE EMPLOYERS CAR
IMT. 30. TRAILERS.
IMT.31. RELIABILITY TRIALS AND RALLIES
IMT.32. ACCIDENTS TO SOLDIERS /SAILORS/ AIRMEN EMPOYED AS
DRIVERS
IMT. 33. LOSS OF ACCESSORIES
IMT.34. USE OF COMMERCIAL TYPE VEHICLES FOR BOTH COMMERCIAL
AND PRIVATE PURPOSES
IMT. 35. HIRED VEHICLES DRIVEN BY HIRER*

IMT 36 Indemnity to Hirer - Package Policy - Negligence of the insured or Hirer.

IMT 37 Legal Liability to Non-Fare Paying Passengers other than Statutory
Liability except the Fatal Accidents Act, 1855 Commercial Vehicles only
IMT 37 A.. Legal Liability to Non Fare Paying Passengers who are not employees
of the Insured

IMT. 38. Legal Liability to Fare paying Passengers excluding liability for accidents
to employees of the Insured arising out of and in the course of their employment

IMT. 39. Legal Liability to persons employed in connection with the operation
and/or maintaining and/or Loading and/or Unloading of Motor Vehicles.
IMT. 39 A . Legal Liability under the Workmens Compensation Act, 1923 in
respect of the carriage of more than six employees Excluding the Driver in goods
carrying vehicles.
IMT 40 Legal Liability to paid driver and/or Conductor and/or cleaner employed in
connection with the operation of Motor vehicle.
IMT.41 Motor Trade Policy - Class `F' - Road Risk only
IMT.42 Private Carriers
IMT. 43. Theft and conversion Risk
IMT.44. Indemnity to Hirer - Package Policy - Negligence of the Owner or Hirer.

IMT.45. Indemnity to Hirer - Liability only Policy -- Negligence of the Owner or

Hirer.
IMT.46. Legal Liability to passengers excluding liability for accidents to employees
of the Insured arising out of and in course of their employment
IMT.47. Mobile Cranes/Drilling Rigs/ Mobile Plants/Excavators/ Navvies/ Shovels/
Grabs/Rippers.
IMT.48. Agricultural and Forestry Vehicles And Other Miscellaneous vehicles with
Trailers attached - Extended Cover
IMT .49. Exclusion of Liability to the Public Working Risk Except as required by the
Motor Vehicle Act, 1988
IMT.50. Cinema Film Recording and Publicity Vans
IMT.51. Mobile Shops /Canteens and Mobile Surgeries/ Dispensaries
IMT 52 . Exclusion of damage while in use as a Tool of Trade
IMT.53. Specified Attachments Special Type Vehicles
IMT.54. Mobile Plant-Inclusion of Liability to the Public Working Risk Where Tool of
Trade is used only for work performed in or upon the Vehicle or Trailer.
IMT.55. Mobile Plant - Inclusion of Liability to the Public Working Risk
IMT.56. Trailers
IMT.57. Motorised Two Wheelers
IMT.58. Loan or Hire of Motor Cars, Motorised Two wheelers, Motor vehicles to
Customers by Motor Dealers
IMT.59. Private use of vehicle by Member/Director/Employee of the insured
IMT.60. Demonstration - Driving Extension
IMT.61. Tuition - Driving Extension
IMT.62. Deletion of 50% Limitation clause in respect of damage to tyres
IMT .63. Restriction of Cover to Liability Risks only
IMT.64. Open-Air Car Parks
IMT.65. Work Away From Premises
Description

Applicable only to Vintage Cars

Private Cars and Motorised Two Wheelers Only

Applicable to Private Cars only
Not applicable to Motor Trade Policies
Lay up period declared
Lay up period not declared

Applicable to all classes except as otherwise provided in the tariff

Applicable to Goods Carrying Vehicles
Applicable to private cars including three wheelers rated as private cars and
motorized two wheelers with or without side car [not for hire or reward]
{ For vehicles rated as Private cars and Motorised two wheelers not for hire or
reward with or without side car}
Applicable to all classes of vehicles

Applicable to Motorised Two wheelers with or without side Car

Applicable to all Commercial Vehicles excluding taxis and motorized two wheelers
carrying passengers for hire or reward.
Applicable to Private Cars, three wheelers rated as private cars, all motorized two
wheelers, taxis, private car type vehicle plying for public/private hire, private type
taxi let out on private hire
For private cars/motorized two wheelers other than for hire or reward

For all Commercial Vehicles

Items fitted in the vehicle but not included in the manufacturers listed selling price
of the vehicle Package Policy only
Own Damage cover for the kit
Not applicable for Miscellaneous and Special Types of vehicles rateable under
Class -D and Motor Trade Policies under Classes- E, F and G of the Commercial
Vehicles Tariff
Not applicable for Miscellaneous and Special Types of vehicles rateable under
Class D of the Tariff for Commercial Vehicles

For all Classes of vehicles.

{Private Cars only/ Motorised two wheelers not for hire or reward}

Applicable to Private Cars Only

[Private Cars and Motorised Two Wheelers]

Applicable to Motorised Two Wheeler Policies only

Applicable to Commercial Vehicle Policies only
Applicable to four wheeled vehicles with carrying capacity not exceeding 6
passengers and Motorised Two wheelers

Commercial Vehicles only

Commercial and Motor Trade Vehicles only

For GOODS VEHICLE

For buses, taxis and motorized three/four wheelers under commercial vehicles
tariff

Goods Carrying Commercial Vehicles Only

Applicable to Ambulance/Hearses under class D of Commercial vehicles and to

Motor Trade vehicles

All Other Cases

Road Transit Only
Motor Trade Only
Motor Trade Only
Motor Trade only
Applicable to Motor Trade Policies Only
Applicable only to Motor Trade Policies issued on named driver basis.
Applicable to Motor Trade Road Transit Risks Policies only
Motor Trade Internal Risks Policy
Motor Trade Internal Risks Only
Motor Trade Internal Risks Only
 Motor Classification

A. Tariff for Goods Carrying Vehicles

A.1 Public Carriers
Other than three wheelers
A.2 Private Carriers
A.3 Goods Carrying Motorized Three Wheelers and Motorized Pedal Cycles. (Public Carriers )
A.4 Goods Carrying Motorized Three Wheelers and Motorized Pedal Cycles. (Private Carriers)
B. Tariff for Trailers
C. Tariff for Vehicles used for carrying Passengers for Hire or Reward
This Tariff
C.1 Tariff isforsub classified
four wheeledinto :
vehicles and three wheeled vehicles used for carrying passengers for
hire or reward with carrying capacity not exceeding 6 passengers.
C.1A : Four wheeled vehicles with carrying capacity not exceeding 6 passengers.
C.1B : Three wheeled vehicles with carrying capacity not exceeding 6 passengers.
C.2 Tariff for four (or more) wheeled passenger carrying vehicles with carrying capacity exceeding
6 passengers and three wheeled passenger carrying vehicles with carrying capacity exceeding 17
passengers for hire or reward.
C.3 Tariff for motorized three wheeled passenger carrying vehicles with carrying capacity
exceeding 6 passengers but not exceeding 17 passengers for hire or reward.
C.4 Tariff for motorized two wheelers used for carrying passengers for hire or reward.
D. Tariff for Miscellaneous and Special Type of vehicles
E. Tariff for Motor Trade -- Road Transit Risks only
F. Tariff for Motor Trade -- Road Risks only
G. Tariff for Motor Trade -- Internal Risks only
Cycles. (Public Carriers )
Cycles. (Private Carriers)

eward
for carrying passengers for

ing 6 passengers.
ding 6 passengers.
h carrying capacity exceeding
ing capacity exceeding 17

th carrying capacity
ward.
r hire or reward.
 General Regulations
Nos General Regulation
GR.4 Geographical Area Extension
i Extension of Geographical Area - Package Policy
a Two Wheelers
b Private Car upto 1000 cc
c Private Car cc > 1000 but less than 1500 cc
d Private Car cc > 1500
e 3 Wheelers Goods Carrying, Passenger Carrying Vehicles & Tractors
f Other Commercial Vehicles with IDV upto 7.5 Lakhs
g Other Commercial Vehicles with IDV > 7.5 Lakhs
ii Extension of Geographical Area - Other than Package Policy (For All Classes)

GR.12 Premium Rates for Short Period Cover

a Not exceeding 1 month

b Exceeding 1 month but not exceeding 2 months
c Exceeding 2 months but not exceeding 3 months
d Exceeding 3 months but not exceeding 4 months
e Exceeding 4 months but not exceeding 5 months
f Exceeding 5 months but not exceeding 6 months
g Exceeding 6 months but not exceeding 7 months
h Exceeding 7 months but not exceeding 8 months
i Exceeding 8 months

GR.16 Minimum Premium

a Vehicles desgined for Handicaped or specially designed vehicle - 2Wheeler
b Private Car
c Two Wheelers, 3 Wheelers (Goods Carrier & Passenger Carrying), & Tractors
d Other Commercial Vehices upto 7.5 Lakhs
e Other Commercial Vehices > 7.5 Lakhs

GR.17 Transfers of Vehicle

i Private Car
a Private Car upto 1500 cc
b Private Car > 1500 cc
ii Two Wheelers
iii Commercial Vehices
a Goods Carrying 4 Wheelers or more- Public/Private (Goods Carrying Vehicle)
b 4 Wheelers with Seating Capacity upto 6 (Passenger Carrying Vehicle)
c 4 Wheelers or more with Seating Capacity > 6 (Passenger Carrying Vehicle)
d 3 Wheelers used for Carrying Goods, Passenger Carrying & Tractors
e Miscelaneous & Special Type vehicles excluding tractors

GR.25 Cancellation and issuance of fresh Certificate of Insurance

a Two Wheelers, 3 Wheelers (Goods Carrier & Passenger Carrying), & Tractors
b Others

GR.26 Certificate or Cover Note destroyed, torn, soiled, defaced or mutilated

a Two Wheelers, 3 Wheelers (Goods Carrier & Passenger Carrying), & Tractors
 b Others

GR.29 Discount for Vintage Cars

Private Car

GR.30 Discount for Anti-Theft Devices

Private Car
Commercial Vehices

GR.41 Electrical / Electronic fittings

Private Car
Two Wheelers
Commercial Vehices

GR.42 Use of CNG / LPG fuel

Company Fitted
External fitted

GR.43 Fibre glass fuel tanks

a Miscelaneous & Special Type vehicles (Class D Vehicles)
b Others

GR.44 Vehicles used for Driving Tuitions

Private cars
Commercial vehicle - Goods carrying vehicle
Commercial vehicle Passenger carrying vehicles

GR.45b Restricted cover for Liability Only and Fire and / or Theft Risks
Liability Only Policy with Fire only cover
Liability Only Policy and Theft
Liability Only Policy and Fire & Theft
 Rate
500
750
1000
1250
500
1000
1500
100

% on Annual
Premium ()
20.50%
30.50%
40.50%
50.50%
60.50%
70.50%
80.50%
90.50%
100.00%

Rate (Annual)
200
2500
400
1500
3000

Rate

200
300
125

400
300
400
300
300

Rate
100
150

Rate
100
 150

Rate
22.50% of OD

Rate
2.25% of OD
2.25% of OD

Rate
5% of IDV
5% of IDV
5% of IDV

Rate
7.5% of OD
6% of IDV

Rate
150
100

Rate
65% of OD
65% of OD
65% of OD

Rate
27.5% of OD
35% of OD
55% of OD
 Compulsory Excess

Motorized Two Wheelers. 100/-

Private Cars including three wheelers rated as

2000/-
Private Cars (Exceeding 1500 cc)

Private Cars including three wheelers rated as

1000/-
Private Cars (Not exceeding1500cc)

Taxis and Three Wheelers rated as

500/-
Commercial Vehicles (Not exceeding 1500 cc)

Taxis and Three Wheelers rated as

1000/-
Commercial Vehicles (Exceeding 1500 cc)

Vehicles rateable under Class D of the 0.5% of IDV of the vehicle subject
Commercial Vehicles Tariff to a minimum of Rs. 2000/-

Goods carrying vehicles Passenger carrying vehicles

Not exceeding 7500 Kg. GVW Not exceeding 17 passengers

Exceeding 7500 Kg. GVW Exceeding 17 passengers

but not exceeding 16500 Kg. GVW but not exceeding 36 passengers

Exceeding 16500 Kg. GVW Exceeding 36 passengers

Excess

500/-

1000/-

1500/-
 Third Party Premium Rates with effect from 1st April

Category 2016-17 2017-18 Difference

Two Wheelers Premium in Rs. Premium in Rs. Premium in Rs.
a. Not exceeding 75cc 569 569 0
b. Exceeding 75 cc but not exceeding 150cc 619 720 101
c. Exceeding 150 cc but not exceeding 350cc 693 887 194
d. Exceeding 350cc 796 1019 223
Private Cars
a) Not exceeding 1000cc 2055 2055 0
b) Exceeding 1000 cc but not exceeding 1500 cc 2237 2863 626
c) Exceeding 1500 cc 6164 7890 1726
C.1B - Three wheeled vehicles used for carrying passenger for hire or reward with carrying capacity not exceeding 6 (six)
passengers
a) 3 wheeled vehicles used for carrying passenger for hire or reward
1733 2218
with carrying capacity not exceeding 6 (six) passengers 485
Premium (Per licensed Passenger) 829 1061 232
A.3 Goods Carrying Motorized 3 Wheelers & Motorized Pedal cycle
a. Public Carrier 5680 5680 0
Class D Miscellaneous and Special Types of Vehicles
b. Other Misc. & Spl type of Vehicles 3822 4892 1070
B - Trailers
b.. Other Vehicles including Miscellaneous & Special type of Vehicles
(Class-D) 1307 1673 366
A.1 Goods Carrying Vehicle Public Carrier (Other than 3 Wheeler)
a. Gross Vehicle Weight (GVW) not exceeding 7500 Kgs 14390 14390 0
b. GVW Exceeding 7500 Kgs but not exceeding 12000 kgs 15365 19667 4302
c. GVW Exceeding 12000 Kgs but not exceeding 20000 kgs 22577 28899 6322
d. GVW Exceeding 20000 Kgs but not exceeding 40000 kgs 24708 31626 6918
e. GVW Exceeding 40000 kgs 25800 33024 7224
A.2 Goods Carrying Vehicle Private Carrier (Other than 3 Wheeler)
a) Gross Vehicle Weight (GVW) not exceeding 7500 Kgs 7849 7938 89
b) GVW Exceeding 7500 Kgs but not exceeding 12000 kgs 11528 14330 2802
c) GVW Exceeding 12000 Kgs but not exceeding 20000 kgs 9390 9871 481
d) GVW Exceeding 20000 Kgs but not exceeding 40000 kgs 12821 14805 1984
e) GVW Exceeding 40000 kgs 16655 21318 4663
C.1A - Four wheeled vehicles used for carrying passenger for hire or reward with carrying capacity not exceeding 6 (six)
passengers
a) Not exceeding 1000cc 6396 6396 0
Premium (Per licensed Passenger) 1230 1230 0
b) Exceeding 1000 cc but not exceeding 1500 cc 8408 8408 0
Premium (Per licensed Passenger) 1035 1035 0
c) Exceeding 1500 cc 11144 11144 0
Premium (Per licensed Passenger) 1183 1183 0
C.2 Passenger Carrying vehicles with Seating Capacity exceeding 6 (six) passengers
a) 4 or more wheeled vehicles used for carrying passenger for hire or
reward with carrying capacity exceeding 6 (six) passengers 10294 13176 2882
Premium (Per licensed Passenger) 629 805 176