BOB Auto Secure Two-Wheeler Package Policy - TATA AIG

Add-on Covers

• Depreciation Allowance
• Return to Invoice
• Consumable Expenses
• Emergency Medical Expenses
• Additional Third-Party Property Damage Cover
• Additional Personal Accident Cover to Owner Driver
• Additional Personal Accident Cover to Unnamed Persons

Policy Exclusion

• Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.
• Any claim arising out of any contractual liability
• Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is - Being used otherwise than in accordance with the Limitations as to Use or Being driven by the purpose of being driven by him/ her in the charge of any person other than a river as stated in the river's clause.
• Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss
• any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this exception combustion shall include any self-sustaining process of nuclear fission.
• Any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material Any accidental loss or damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations(whether before or after declaration of war) civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accidental loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim.

Additional Benefits

• This is a mandatory policy as per Motor Vehicle Act. It covers the damages against property, bodily injury and death to a third party due to an accident caused by your two-wheeler. It also covers the owner of the insured vehicle against personal accident over.
• It covers the insured two-wheeler against accidental damage, theft, natural disasters, explosion, riots, etc.
• It covers the damages against third party property, bodily injury and death to the third party due to an accident caused by your two-wheeler
• It also covers the insured (owner driver) against accidental death or permanent/temporary disablement
• Loss of or damage to the vehicle ensured
• Liability to third parties
• Personal accident over for owner-driver
• Tata AIG two-wheeler vehicle insurance policy also covers any damage that may occur to your bike, due to any or one of the following reasons - Natural disasters like cyclones, earthquakes, etc,Terrorist activity/malicious act,External accident,By fire explosion: self-ignition/lightning,Whilst in transit on the road, rail, waterway, lift or air
• Liability to Third Parties - Death or bodily injury to the third party ,Damage to the property belonging to the third party
• Personal Accident Cover for Owner-driver