Page 374 - Motor Insurance Ebook IC 72

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accident inside a factory compound. Following
claims have been lodged:
a) Damage to the mudguard and/or bonnet side

parts, head light and bumper the estimated
loss of which is Rs. 2000/-.
b) Death of a coolie carried in the vehicle.
c) Damage to the car of the owner of the goods
carrying vehicle which happened to accompany
the lorry inside the private place at the material
time of Injury to the driver's friend
travelling in the vehicle.
e) Damage to stereo. How will you deal with
claims?
Ans. Although the accident occurred inside a factory
compound which is not a public place it is covered under
the Package Policy. The claims shall be dealt as under:
a) Damages to the mudguard and/or bonnet side parts,
head light and bumper are excluded under IMT
No.26. Hence there is no liability under the policy.
b) The insurers are liable under Section II of the policy.
c) Section II of the Policy excludes liability in respect
of damage to property belonging to the insured.
Hence there is no liability.
d) The driver's friend was travelling in the vehicle as a
non-fare paying passenger and not in the course of
or arising out of any employment. The insurers are

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