Page 361 - Motor Insurance Ebook IC 72

Guide for Motor Insurance

- Motor policies may be issued for the vehicles which
are used solely within the insured's premises (not
being a motor trader) or on sites to which the public
have no general right of access. These vehicles
should not be licensed for general road use. The
usual tariff rates less a reduction of 33.3% are
charged as premium for this class of vehicles.

Q 10 . What are the rules for issuance of Non-Motor
Policies?

Ans. It is not permitted to insure Liability risks under the
Motor Vehicles Act in Non-Motor Policies. It is however
permissible to give other cover as follows:
(1) Vehicles not licensed for general road use - Non-
Motor Policies may be issued for vehicles which
are not licensed for road use and for which no
Certificate of Insurance is required, provided:
i) such vehicles are used only on the premises
of the insured (not being a Motor Trader) or
on sites to which the public has no general
right of access.

ii) Vehicles (not being pedestrian controlled
agricultural implements) used for agricultural
or forestry purposes are excluded.

iii) Vehicles used by haulage contractors are
excluded.

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