• Coverage against legal liability towards third parties due to bodily injury, death and damage caused to third party property
• Personal Accident Cover Covering Accidental Death and Permanent Total Disablement for Rs 15 lacs for individual owners of the vehicle whilst driving the vehicle
• Paid driver/conductor/cleaner employed in operation of vehicle
• Employees travelling in/driving the vehicle other than paid driver
• Passengers on named/unnamed basis up to maximum of Rs 1 lac
• Paid Driver up to maximum of Rs 1 lac

• Vehicle being used otherwise than in accordance with “Limitation as to Use” as stated in the policy schedule
• Vehicle being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the Driver’s clause mentioned in the policy schedule
• A claim arising out of contractual liability
• Death arising out of and in the course of employment of a person in the employment of the Insured or in the employment of any person who is indemnified under this Policy or bodily injury sustained by such person arising out of and in the course of such employment
• Death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the motor vehicle at the time of the occurrence of the event out of which any claim arises
• Any claim contributed to/ by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny, rebellion, military or usurped power
• Any claim contributed to/ by or traceable to or arising out of or in connection with nuclear weapons material

Refer to the policy wordings for further details.