Page 188 - Motor Insurance Ebook IC 72

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normal damages and 15 days of TL/CTL losses
during the policy period. Time taken for repair to
items not related to accident will not be allowed.
Per day allowance ranges from Rs. 600 to 2000
depending to category of vehicle.

9. Engine Protector: The coverage under this add-
on is for accident to vehicle resulting in damage to
internal parts of engine due to water ingression/
leakage of lubricating oil and/or damage to gear
box as a result. The extension will pay for repair /
replacement of these parts including labour.

10. Spot assistance: The coverage under this extension
provides for a number of emergency services that
a vehicle owner could face in daily usage of the
vehicle. Some of these emergencies may not involve
accidental damage to the vehicle. The extension
applies to the insured's city of residence and within
a distance of 100 kms from city. Repairs/services
of insurers authorized repairer to be availed.

Q. 12. What are the factors taken into consideration to
charge the premium of a Private Car? Explain with
an example.

Ans: The premium of a private car is charged on the basis of
following factors:

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