• Particulars of cover liability and exclusion given above are not complete or exhaustive :
• Our nearest Branch Office branch may be approached for complete details.

The policy does not cover liability in respect of death disablement or injury or any loss or damage caused by:-

• War group of perils nuclear perils
• Intentional self injury suicide insanity breach of law
• Malicious or willful injury or neglect or overloading or strain unskilled treatment
• Theft of accessories unless the cart itself is stolen
• Theft clandestine sale of the insured animal
• Wear and tear depreciation consequential loss and dismantling of cart for the purpose of repairs.

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

We Cover

• 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:-