Animal Driven Cart Insurance
Coverage
- Cart / Tonga that is pulled by the animal
- Animal used for pulling the said Cart / Tonga such as He-buffaloes, Bullocks, horse, Mule, Donkey and Camel as the case may be.
Who can be Insured ?
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
Insured against What Risks ?
Owners Of the Animal Driven Cart / Tonga
What will Policy Pay and How Much ?
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.
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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
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/-
3. Loss of one eye or one limb Rs. 3,000/-
4. Permanent total disability Rs. 6,000/-
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