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 0 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 0

2. Loss of sight of both eyes or loss of two limbs or one eye and one limb – Rs. 6 0

3. Loss of one eye or one limb Rs. 3 0

4. Permanent total disability Rs. 6 0