a. Death or bodily injury to a third party (except for the person employed by the insured) b. Damage to property of a third party (except for the property held in trust or custody by the insured of a third party) c. Indemnity to any person driving any on insured order/permission given that he is not entitled to indemnity under any other policy d. Indemnity to the insured even when he is driving a vehicle not belonging to him and not hired by him under a hire purchase agreement e. In case of death of a third party, the company will indemnify the deceased’s personal representatives in the terms of and subject to the limitations of the policy
An immediate notice to the company to be issued in case of a claim arising.
Written consent of the company to be obtained prior to promising, admitting or payment of any liability.
In case the insured loses his original excise duty and taxation papers, he should immediate inform the company within 48 hours.
Cancellation of policy by the company or the insured on a 7 days’ notice with return of premium on pro rata basis.
Vehicle age : Up to 30 years Maximum Cubic Capacity Allowed 500 CC Maximum Sum Insured/IEV : No Restriction Vehicle Type : Private Minimum Premium Payable (0-200 CC) : Rs. 297/- (inclusive of all taxes and levies)
Own damage of any kind to the insured vehicle.
Medical Expenses/Accidental Injury to the driver and occupants.
Any accident or injury caused/sustained outside the geographical area.
Any loss occurring from radiation, nuclear fuel or weapons.
Any loss occurring as a result of the insured driving under influence of liquor or drugs.
Any loss occurring as a result of war & civil unrest, etc.
Claim arising out of any contractual liability.
Any loss occurring in case of the vehicle being driven by any person other than a driver as described in the schedule.
Others- Please refer to the policy document for complete set of exclusions
Benefits will not be available for Pre-existing Conditions* until 48 months of continuous coverage has elapsed
Waiting Period: Will not cover any expenses occurring during the first 30 days of the inception of policy, except from accidental injuries. This waiting period does not apply for subsequent renewals without a break
Cosmetic, aesthetic and related treatment
HIV-AIDS or any sexually transmitted disease
Any fertility/impotence/ sterilization procedure or treatment
Pregnancy related expenses ad complications
War, invasion, civil commotion
Cost of limbs/ prosthetics/ hearing aids / crutches /dentures
Drug abuse / self-inflicted injuries
Any outpatient expenses
As per Cubic Capacity
*Admin Surcharge and Standard Levies, Taxes and Stamp Duties be Applicable *4% Advance Tax will be applicable for a Non-Filer as per Section 236U of the Income Tax Ordinance 2001