The insurance company will indemnify the insured persons against loss or damage caused to the insured vehicle by any of the following:
Note:
The basic rate for premium calculation is a comprehensive rate covering all the above-mentioned risks. If you do not want a cover for earthquake (for instance if you don't live in an earthquake prone area), flood and / or riot and strike, you would be given a discount of 0.10 percent of "Insured's Estimated Value" for exclusion of earthquake and 0.15 percent of the same for exclusion of flood and for riot and strike respectively.
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