SECTION I

Death / PTD of animal and loss or damage to cart / tonga and its accessories by:-

a.  Accidental external means

b. Fire, explosion, lightning, flood , cyclones, earthquake, burglary, house  breaking

c. Riot, strike, Malicious act, terrorism

d. While in transit by rail, road inland waterways

If the animal is to be covered against disease also, cover, exclusions and conditions will apply as per cattle policy

Cover can be extended for the cart against loss/damage by Theft risk.

SECTION II

Third Party Liability arising out of accidents

a. Personal injury (fatal and non-fatal)

b. Property damage

SECTION III

Personal Accident cover to Driver

SECTION I

A. CART

1. In case of damage, actual expenses of repair subject to deduction towards depreciation and under-insurance

2. Damage to hard or pneumatic rubber tyres payable up to 50% only when the same are damaged along with cart.

3. In case of total loss 75 % of sum insured or market value whichever is less Item 1 & 2 subject to an excess of Rs. 100/- or Rs. 200/- per Cart/Tonga respectively

B.ANIMAL

1. Sum insured or market value whichever is less in case of death

2. 75 % of Sum insured or market value whichever is less in case of PTD

SECTION II

1. Legal Liability up to a limit of Rs. 10,000/- during any one year

2. Litigation expenses incurred with the consent of the Insurer to contest any third party claim preferred.

SECTION III

Personal accident to driver. Injury / death, directly caused by accident

A. 1. Death Rs. 6,000/-

2. Loss of sight of both eyes or loss of two limbs or one eye and one limb – Rs. 6,000/-

B. 1. Loss of one eye or one limb Rs. 3,000/-

2. Permanent total disability Rs. 6,000/-