Page 330 - IC38 GENERAL INSURANCE

6. Effective date of commencement of Insurance for the purpose of the Act.
From………. 'O' clock on ………

7. Date of expiry of insurance: midnight on ……………

8. Persons or classes of persons entitled to drive.

Any of the following:
(a) The insured:
(b) Any other person who is driving on the insured's order or with his permission

Provided that the person driving holds an effective driving license at the time of
the accident and is not disqualified from holding or obtaining such a license.
Provided also that the person holding an effective learner's license may also
drive the vehicle and such a person satisfies the requirement of Rule 3 of
Central Motor Vehicles Rules 1989.

LIMITATIONS AS TO USE

The policy covers use for any purpose other than:
(a) Hire or reward;
(b) Carriage of goods (other than personal luggage)
(c) Organised racing,
(d) Race making,
(e) Speed testing
(f) Reliability Trials
(g) Any purpose in connection with Motor Trade.

I/we hereby certify that the Policy to which this Certificate relates as well as this
Certificate of Insurance are issued in accordance with the provisions of Chapter X
and Chapter XI of the Motor Vehicles Act, 1988.
Examined .......

(Authorized Insurer)

Motor certificate of Insurance is required to be carried in the vehicle at all times
for the scrutiny of the relevant authorities.

4. Policy Document

The policy is a formal document which provides an evidence of the contract of
insurance. This document has to be stamped in accordance with the provisions of the
Indian Stamp Act, 1899.

A general insurance policy usually contains:

a) The name(s) and address(es) of the insured and any other person having
insurable interest in the subject matter;

b) Full description of the property or interest insured;
c) The location/s of the property or interest insured under the policy and

where appropriate, with respective insured values;

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