Page 261 - Motor Insurance Ebook IC 72

Ans. Guide for Motor Insurance

d) Death of an employee of the owner of the goods
carrier who was travelling in the lorry at the
time of the accident.

a) Standard Motor Cycle Policy does not cover the
loss of or damage to accessories by burglary,
house-breaking or theft unless the Motor Cycle is
stolen at the same time. Hence the insurer is not
liable, for the loss of the horn, an accessory by
theft from a Motor Cycle.

b) Extra fitting are to be covered specifically. The
ornamental hub cap is an extra fitting. Insurer is not
liable under the standard Motor Car Policy B for its
loss of or damage unless it is covered by specifically
adding this hub cap as extra fitting.

c) The standard Motor Policy B covering a public
carrier is subject to a compulsory excess of Rs.
1500 as per the endorsement No.26. Since the
estimated repair cost is less than Rs. 1500, there is
no liability under the Policy.

d) Under the Motor Vehicles Act in respect of a lorry
(goods vehicles) it is required to cover employees
being carried in the vehicle. Hence the insurer is
liable for employee of the owner of the goods
carrier who was travelling in the lorry at the time
of the accident.

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