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  • No car can be driven without insurance.
  • There are two main kinds of insurance covers Motor Policy A (Act Only Policy or Third Party Insurance) and Motor Policy B (Comprehensive policy)
  • Motor Policy A liability is unlimited in case of injury or death, with added premium Fire and Theft can also be covered A specific claim for this must be made in the Motor Accident Claim Tribunal by the injured or legal heir of the deceased against the owner of the vehicle and his insurance company.
  • A Motor Policy B is a comprehensive policy wherein the Insurance company compensates the injured against loss / damage to the vehicle as a result of accident fire, theft, earthquake, riots, strike, floods, terrorism, loss during transit by road, rail elevators etc. Extra fittings such as music system, Air-Conditioner etc. can also be covered.
  • A policy is valid from the moment a premium is required to midnight exactly a year later.
  • It is advisable to get a policy renewed well in advance, as there is no grace period whatsoever and the fines on driving without insurance are severe.
  • The policy is deemed to be renewed from the day that the cheque for the premium is posted by the bank. It is therefore advisable to get a receipt for the same from the bank.
  • A vehicle purchaser should inform the insurance company within 14 days to have papers transferred to his name. When a vehicle is sold, the previous owner should inform the insurance company of its sale too.
  • A vehicle owner is eligible for a no-claim bonus which is adjusted against the premium for his new vehicle, even if past vehicle has been sold, being that the new vehicle is purchased within a period of three years.
  • The owner / driver should approach the nearest office of the insurance company for a spot survey, so that there is no dispute later regarding the cause of the accident, the level of damages etc.
  • A report must be filed with the local police station and insurance company within 24 hrs.
  • If there is no office of the insurance company nearby, any other subsidiary of the GIC can be connected, namely New India Assurance, Oriental Insurance, United India Insurance, National Insurance - In case none of these offices can be contacted, a licensed surveyor can be contacted but in any case, the insurance company too must be informed - this can be done even on public holidays.
  • After the spot survey, the papers for the claim must be filed, and the vehicle should be assigned to a garage - these claims will be entertained after the insurance company deputes its surveyor for the final assessment  on the basis of repair charges, cost of parts etc.
  • Rubber and Plastic parts, tyres, batteries are calculated at 50% depreciated value Glass at 100%. All other parts and extra fittings at 5% depreciation per year upto a maximum of 50%.
  • Loss due to mechanical / electrical failure, routine wear and tear is not included in a policy.
  • If the driver is under the influence of alcohol during the time of the accident, no claims are entertained.
  • No Claim discount in premium is calculated on 'own damage' component of the policy. Under comprehensice policies, this discount is permitted if no claim is made during the year. It increases each year with a slab starting from 15% for the first year and reaching maximum upto 50% by the fifth year.
  • This rebate is adjusted against the renewal premium. In case a policy expires but is renewed within 90 days of expiry, the no claims bonus already accumulated does not lapse.
  • If the claim is made during the first year, then extra premium at 15% will be charged at the time of renewal. It will go on increasing as per the prescribed slab (maximum upto 40%) for claims preferred every year.

Copyright © 2001 AB Infoway. All rights reserved. Information in this site is collected from various Police Department. For comments or questions about this site contact bharat@mujrim.com