Page 109 - Motor Insurance Ebook IC 72
P. 109
Guide for Motor Insurance
the operations of the vehicle i.e. driver, conductor,
employees engaged in loading/unloading
operations in goods vehicle. Liability for these
employees arises under the Workmen's
Compensation Act. This liability is covered as
an additional premium.
4. Personal accident covers to un-named
passengers: The policy can be extended to cover
PA benefits to passengers in the vehicle. The
benefits are similar to that provided for the owner/
driver. However the Sum insured can be selected
by the insured and ranges between Rs. 100000/- to
200000/- per passenger. The premium on the Sum
insured selected is to be charged on the basis of the
authorized passenger carrying capacity of the
vehicle.
5. Liability for non-fare paying passengers:
Employees other than those connected with the
operations of the vehicle are not entitled to
compensation under the MV Act. Their liability
would arise under the Workmen's Compensation
Act, or if not workmen under Common Law.
Non-fare paying passengers can be covered only
when the permit of the vehicle allows such carrying
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