Clause and Wordings – Apki Policy

Clause And Wordings

Motor

Section-1 Loss or damage

The company will indemnify the insured against loss of or damage of the motor car and/or its accessories whilst thereon by

Accidental external means
Fire external explosion self-ignition or lightning or frost
Burglary house breaking or theft
Malicious act
Riot, Strike
Flood, hail, wind, hurricane, cyclone, tornado, or typhoon
Earthquake volcanic eruption or other convulsion of nature and
Whilst in transit by air road rail inland waterway lift or elevator

The company shall not be liable to make any payment in respect of (a) consequential loss depreciation wear and tear mechanical or electrical break-downs failure or breakages and (b) damage of tires and battery unless the motor car is damages at the same time when the liability of the company is limited to 50 percent of the cost of the replacement and (c) loss arising from theft or criminal misappropriation or criminal breach of trust by insured’s driver or known person.

In the event of the motor car being disabled by reason of loss or damage covered under the policy of motor, the company will bear all reasonable cost of protection and removal to the nearest repairers and of delivery to the insured but not exceeding in all Rs.500 in respect of any one accident.

The insured may authorize the repair of the motor can necessitated by damage for which the company may be liable under the policy provided that

The estimated cost of such repair does not exceed Rs.500
The company is furnished forthwith with a detailed estimate of the cost and
The insured shall give the company every assistance to see that such repair is necessary and the charge reasonable.

General exceptions

The company shell not be liable under this policy in respect of

Any accident loss damage and/or liability caused sustained or incurred outside the geographical area
Any claim arising out of any contractual liability
Any accident loss damage and/or liability caused sustained or incurred whilst any motor car in respect of or in connection
1. Being used otherwise that in accordance with the limitations as to use or
2. Being driven by any person without driving license
3. Any accident loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.
4. Any liability of whatsoever nature
5. Directly or indirectly caused by or contributed to by or arising from ionizing radiations or contamination by from any nuclear furl or from any nuclear waste from the combustion of nuclear fuel. For the of this exception combustion shall include any self-sustaining process of nuclear fission.
Any accident loss damage or liability or indirectly caused by or contributed to by or arising from nuclear weapons material.
Any accident loss damage and/or liability caused sustained or incurred after any variation in or termination of the insured’s interest in the motor car.

Apki policy will not be liable for any claim that is declined by any company, for whatsoever reason.

Travel

IMPORANT NOTICE – PLEASE READ CAREFULLY

CERTAIN CONDITIONS, LIMITATIONS AND EXCLUSIONS MAY APPLY.

Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your policy before you travel as your coverage may be subject to certain limitations or exclusions.
Your policy may not provide coverage for medical conditions and/or symptoms that existed before your trip. Check to see how this applies in your policy and how it relates to your departure date, date of purchase or effective date.
In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is made.
If your policy provides travel assistance, you may be required to notify the designated assistance company prior to treatment.
Your policy may limit benefits should you not contact the assistance company within a specified time period.

PLEASE READ YOUR POLICY CAREFULLY BEFORE YOU TRAVEL.

Apki policy will not be liable for any claim that is declined by any company, for whatsoever reason.

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