Kshema Two-wheeler package policy
This insurance policy provides coverage for loss or damage to your two-wheeler arising from accidents, theft, or natural calamities. It also extends protection against legal liabilities resulting from bodily injury, death, or property damage caused to third parties.
As per the provisions of the Motor Vehicle Act Third Party liability coverage is compulsory.
- Accidental loss or damage: Indemnity for loss or damage to the insured two-wheeler resulting from fire, explosion, self-ignition, lightning, burglary, housebreaking, theft, or natural calamities etc.
- Third-party liability: Indemnity against legal liability for bodily injury, death, or property damage caused to third parties by the insured vehicle.
- Personal Accident Cover: Indemnity for the insured owner-driver and pillion rider against accidental injury or death arising from the use of the insured two-wheeler.
Exclusion
Normal wear and tear:
Depreciation and general ageing of the vehicle, being natural processes that affect all vehicles over time.
War, mutiny, or nuclear risks:
Loss or damage to the insured two-wheeler caused by war, mutiny, or nuclear incidents is not covered.
Mechanical or electrical breakdown:
Loss or damage to the insured two-wheeler resulting from mechanical or electrical failure.
Accessory theft:
Theft or burglary of two-wheeler accessories is not covered unless the insured vehicle is stolen at the same time.
Improper usage:
Claims are not payable for loss or damage arising from use of the vehicle for purposes other than those intended.
Consumables:
Wear and tear of consumable items such as tyres and tubes is not covered.
Driving without licence or under influence:
Loss or damage is not covered if the vehicle is driven without a valid licence or under the influence of alcohol, drugs, or intoxicants.
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- Coverage for homes, shops, and small businesses.
- Policies that safeguard against fire, lightning, and allied perils.
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