Re: Motor Policy IMT clause 21 & 23, Required clarification

[Vijay kumar Khandelwal-Indore(MP)]

Dear Friends, 

Main bonnet is payable in IMT 21 but bonnet side parts like both fenders in S model are not payable

 

On Monday, January 14, 2013 8:23:40 PM UTC+5:30, Husain wrote:

In motor policy IMT 21 the part of which read as;

except in the case of Total Loss of the vehicle insured, the insurer shall not be liable under Section I of the policy for loss of or damage to lamps tyres tubes mudguards bonnet side parts bumpers and  paint work.

And IMT 23 the part of which read as;

 In consideration of payment of an additional premium of Rs....…..*, notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that subject to conditions (a) (b) and (c) hereunder loss of or damage (excluding theft under any circumstances) to lamps tyres/tubes mudguards bonnet/side parts bumpers headlights and paintwork of damaged portion only is covered provided the vehicle is also damaged at the same time.

Please note that words damage to lamps tyres tubes mudguards bonnet side parts and paint work are without any coma(,). Due to this recently, in one insurance co branch auditors object for not including the main bonnet.

Please clarify whether the main bonnet is included in IMT 21 & 23 or not.

In my opinion and as the practice adopted for a long last time that this IMT clause includes bonnet side parts i.e. the part in S-Model type trucks on which headlights were fitted not the main bonnet i.e. fitted in LP trucks inner side and all other commercial light vehicle out side.

regards & thanks

husainshaheed

+911-9414138478

[Dilip Ashtekar]

Bonet is a seperate parts of front show assy
It is not excluded under endorsment no 23 of policy
Only its side parts are excluded ( All Tata Vehicle of SE Model & others)
Motor Tarrif is very clear in this matter.

On Wed, 16 Jan 2013 10:26:58 +0530 wrote

>Dear Friends,
Main bonnet is payable in IMT 21 but bonnet side parts like both fenders in S model are not payable


On Monday, January 14, 2013 8:23:40 PM UTC+5:30, Husain wrote:In motor policy IMT 21 the part of which read as;except
in the case of Total Loss of the vehicle insured, the insurer shall not be
liable under Section I of the policy for loss of or damage to lamps tyres tubes
mudguards bonnet side parts bumpers and

paint work.And IMT 23 the part of which read as;In consideration of

payment of an additional premium of Rs....…..*, notwithstanding anything to the
contrary contained in the policy it is hereby understood and agreed that
subject to conditions (a) (b) and (c) hereunder loss of or damage (excluding
theft under any circumstances) to lamps tyres/tubes mudguards bonnet/side parts
bumpers headlights and paintwork
of damaged portion only is covered provided the

vehicle is also damaged at the same time.Please note that words damage to lamps tyres tubes mudguards bonnet side parts and paint work are without any coma(,). Due to this recently, in one insurance co branch auditors object for not including the main bonnet.Please clarify whether the main bonnet is included in IMT 21 & 23 or not.In my opinion and as the practice adopted for a long last time that this IMT clause includes bonnet side parts i.e. the part in S-Model type trucks on which headlights were fitted not the main bonnet i.e. fitted in LP trucks inner side and all other commercial light vehicle out side.regards & thankshusainshaheed+911-9414138478



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Dilip. B. Ashtekar
(Surveyor)
Associated Surveyors and Valuers.

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