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TYPES OF INSURANCE

This policy cover vehicles used by the policyholder for his social, domestic, pleasure and business purposes only and the indemnity provided is as stated above depending on the type of motor vehicle policy taken.

Commercial Vehicle

These are goods carrying vehicles (own goods and general cartage, hire cars (chauffer or hirer driving), buses and special type vehicles

Motorcycle

This policy provides cover for two or three wheeled private and commercial motorcycles (with or without sidecars). It provides indemnity against loss or damage to the motorcycle and/or its accessories: by accidental collision/overturning or collision/overturning due to mechanical breakdown, wear and tear; by fire, external explosion, self-ignition or lightning or burglary, housebreaking or theft; by malicious act; and while in transit by road, rail, inland waterway, lift or elevator.

Summary of Cover

This cover is desirable where the company provides furnished or partly furnished accommodation for certain key employees or where the company chooses to bear the responsibility of providing insurance protection on the personal effects of selected employees as additional fringe benefit.

This package combines four different covers as follows:

  • Fire and special perils
  • Burglary whether or not accompanied by violent entry or exit from the building (Larceny & Hold Up extension)
  • Accidental damage of household goods following theft or attempted theft
  • Public/Personal Liability

The interest covered would include such items as household furniture, furnishings, electronics, air conditioners, kitchen utensils, Jewelries, wearing apparels and such other personal effects of the employee and members of his family residing with him.

Requirements

      • Addresses of residence to be covered
      • Inventory of the household items and values

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