Policy will pay as per below:

• If injury directly/solely causes within 12 months of its occurrence
• Actual extent of loss/damage to property under respective sections chosen;
• Sum Insured is the limit of maximum liability under respective sections;
• Limit of liability to third party for Personal injury/Property damage is upto Rs.10 0 Pedal Cycle section respectively.

Personal Accident Section

• If injury directly/solely causes within 12 months of its occurrence
• Death / loss of two limbs / eyes / Total permanent disablement : Full Sum Insured
• Loss of a hand / foot / eye / use of hand / foot : 50% Sum Insured
• Specified Percentage (%) of Sum Insured in other cases of permanent disablement [partial]
• Weekly benefits (Rs.3000/- max.) upto 100 weeks payable for Temporary Total Disability.

The policy will not pay loss/damage due to:

• War and war like perils

• Wear and tear depreciation consequential loss
• Nuclear group of perils
• Gross and wilful negligence of Insured
• Violation of policy conditions
• Loss/damage/liability where Insured’s family or Insured’s employee are involved as principal/accessory
• Intentional act/self injury/ influence of drug/intoxicant.

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