additional premium is charged to insure items not originally part
of the vehicle such as CNG/LPG kits, electronic items (stereos and
televisions sets) and electrical fittings (extra lights and horns).
manufactured in other countries have to be valued by an automobile
engineer at the time of getting them insured. There's a 30 per cent
mark-up on premiums payable on vehicles owned by embassies. Also,
in case of damage to the windscreen of such vehicles, the compensation
is limited to 3 per cent of the value of the vehicle or Rs 30,000,
whichever is lower.
can make a claim even if the accident happened while driving on
the wrong side of the road or while committing a traffic violation
without any criminal intent.
The policy doesn't cover for loss or damage if the driver of the
vehicle was drunk at the time of the accident (which has to be established
through a breath analyzer test or a stomach wash test-or driving
without a valid licence).
2. Damage to tyres (unless the vehicle is also damaged), wear and
tear, routine maintenance and mechanical breakdown.