Page 113 - Motor Insurance Ebook IC 72

Guide for Motor Insurance

Q 7. Explain the "General Exclusions" of a Motor
Ans: vehicle insurance policy?
The Company is not liable for any claim.
I. When the vehicle is used in breach of "Limitations

as to use"

II. In contravention of "Drivers Clause"

III. Contractual liability claims

IV. Liability to employees other than those connected
with the operations of the vehicle. (For employees
connected with the operations of the vehicle, it is in
terms of the Workmen's Compensation Act,
provided the accident arises out of and in the course
of employment).

V. Passengers carried by reason of or in pursuance of
a contract of employment are covered.

VI. Any liability tot passengers traveling, entering
mounting or alighting from the vehicle other than
under the Motor Vehicle Act. Employees' traveling
as passenger is not covered.

(Note: Passengers traveling in public passenger
vehicles are required to be covered under the MV

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