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Third Party insurance the basic kinds of auto insurance reporting include:

* Third Party Insurance
* Comprehensive Insurance

About Third Party Insurance Third Party Insurance covers:

a) Personal Injury

b) Property damage

Third Party Insurance cover for Personal damage includes:

* Legal responsibility to employees linked with operation of the vehicle - this means you are assure alongside death or injury (caused by your vehicle) to the vehicle’s drivers, cleaners, conductors, coolies etc. , employees used in the process of the vehicle.

* Legal responsibility for death or injury to third parties - this means that you are insured against death or injury (caused by your vehicle) to pedestrians, occupant of other vehicles, and outsiders other than passengers, for unlimited amounts. Passengers of private vehicles and pillion riders are also thinks covered.

* Legal responsibility to passengers carried in the vehicle for hire or recompense - this means that as an owner of a taxi, bus or auto - rickshaw, you are insured against death or injury (caused by your vehicle) to the passengers

What is insured?

(1).Motor Cycles, scooters, mopeds, auto cycles and mechanically assisted pedal cycles

(2).Three wheeled invalid carriage

Who can insure?

(1).Owners and /or banker of the vehicle having insurable interest in it.

(2).What will rule pay and how much?

Own Damage

(1). exact amount worn out for repairs/substitute subject to depreciation and sum promise as per survey report.

(2). In case of total loss, market value at the time of loss or sum insured whichever is less.

(3). injure to tyres (when vehicle is also damaged) - 50 % of cost of replacement

(4). Garaging and towing charges - up to Rs 200-

Insured against what risks?

(1). Loss or injure to vehicle by accidental external means, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act.

A. Riot and strike; terrorism; earthquake; flood, cyclone and inundation*

B. at the same time as in transit by rail, road, air, elevator, lift.

C. Perils under (b) can be deleted and a discount in premium availed.

(2). accountability for third party injury/death, third party property and legal responsibility to paid driver.

(3). on payment of appropriate extra premium, loss/damage to electrical/electronic trimmings, PA cover for drivers (other than paid driver) can also be in use.

(4).sure discounts in premier are also available.

Act Liability

(1). Death or bodily damage to third parties - Unlimited

(2).Death or bodily damage to any person carried in the vehicle provided they are not approved for hire or reward - limitless

(3). Legal responsibility to paid driver - As per W. C. Act

(4).Third social gathering property damage - up to Rs 6000/-

(5).All costs and operating cost incurred with company’s written permission

(6). For fear that of death of the Insured/any person entitled to indemnity for a legal responsibility lay yourself open to under this Policy, his personal representative will be indemnified as in the case of the cover ,if he observes all circumstances as insured himself.

When will policy not pay?

(1). When vehicle is used outside the geographical area; when used contrary to restraint as to use; driven by a person other than the driver affirmed in driver’s clause.

(2).War danger, nuclear perils and drunken driving (The details furnished above do not comprise the entire terms, conditions and exceptions of the Policy; for fuller particulars satisfy contact our nearest office).

(3).important loss; depreciation; wear and tear; mechanical and electrical breakdown; failure or break.

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Quality bike insurance polices include liability, collision, and comprehensive coverage. Most states require riders to have liability insurance by law.

Liability: Covers injury and property damage to other motorists.
Collision: Pays for damages to your bike caused by an accident.
Comprehensive: Protects bike against fire, theft, or vandalism.
Be sure your policy covers the replacement cost of your bike (if it is totaled in an accident), not just its depreciated value.