Page 125 - Motor Insurance Ebook IC 72

Guide for Motor Insurance

insured or any person driving with the knowledge
and consent of the insured is under the influence of
intoxicating liquor or drugs.

Q 12. Explain the following under Motor Car Policy
B:
a) Loss to Accessory b) Consequential loss c)
Mechanical Breakdown

Ans. a) Loss to Accessory - The parts which are directly
supplied by the manufacturer along with the car, but are
not essential for the running of the motor car, are
considered as accessories. The engine of a car, is an
essential part for the running of the vehicle. So it is
not an accessory.

Whereas a taximeter will be considered as an accessory
of a taxi cab because the vehicle can run without it.
Loss or damage of accessories are covered only if the
accessories are on the motor car. For example, the
stepny is removed from the car and kept separately in a
garage from where it is stolen; the loss will not be
covered by the policy.

Accessory should be distinguished from Extra Fittings.
Radios, tape recorders, air conditioners and other
electric or electronic items, etc. which are fitted on

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