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2073 Motor Insurance Tarrif and Directives 1
2073 Motor Insurance Tarrif and Directives 1
2073 Motor Insurance Tarrif and Directives 1
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Email: unitedpress2047@gmail.com
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aLdf ;ldlt b]zdf aLdf Joj;fosf] k|a4{g Pj+ aLldtx¿sf] lxt ;+/If0f
k|lt ;b}j ;hu /x“b} cfPsf] 5 . aLdf Joj;fonfO{ Jojl:yt / dof{lbt agfpg]
qmddf ;ldltn] ;do–;dodf ljleGg gLltx¿sf] th'{df tyf cfjZostfg';f/
lgb]{lzsfx¿sf] sfof{Gjog ub}{ cfPsf] tYo ;j{ljlbt} 5 .
g]kfndf ;j{k|yd lj=;+= @)^@ ;fndf ædf]6/ aLdfb/ ;DaGwL
lgb]{lzsf, @)^@Æ nfu" u/L ;jf/L ;fwg ;DaGwL aLdfnfO{ Jojl:yt ug]{
hdsf]{ ul/Psf] lyof] . To;avt ;jf/L ;fwgsf] ;+Vof ;Lldt x'gfsf] ;fy}
aLdfdf t]>f] kIf Pj+ ofq'x¿sf] hf]lvd clgjfo{ ¿kdf g;d]6]sf] sf/0fn] pQm
lgb]{lzsf sfof{Gjogaf6 ck]lIft nfe k|fKt x'g ;s]g . kmn:j¿k, lj=;+= @)^^
;fndf ædf]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)^^Æ nfu" u/L df]6/ aLdf cGtu{t
t]>f] kIf / sd{rf/Lx¿sf] d[To' ePdf ¿= % nfv / 3fOt]sf] xsdf a9Ldf
¿= @ nfv;Dd cf}ifwf]krf/ afkt Ifltk"lt{ kfpg] Joj:yf eof] . @)^^ efb| !^
ut]b]lv sfof{Gjogdf NofOPsf] pQm lgb]{lzsf aLdf If]qdf cToGt} k|efjsf/L
;fljt eof] . tyflk, df]6/df ofqf ug]{ ofq'sf] d[To' ePdf ¿= ! nfv /
cf}ifwf]krf/df ¿= ! nfv;Dd dfq Ifltk"lt{ kfpg] Joj:yfn] df]6/ aLdfdf
cg]s ljs[lt lj;+ultx¿ df}nfpg yfNof] .
t]>f] kIf Pj+ ofq'sf] d[To' / cf}ifwf]krf/df /x]sf] km/s–km/s k|fjwfgaf6
l;lh{t ljs[ltaf6 aLdf If]q g} k|efljt x'g uof] . o:tf] cj:yfdf df]6/df ofqf
ug]{ ofq', ;+nUg sd{rf/L / t]>f] kIf d[To' / cf}ifwf]krf/df lbOg] Ifltk"lt{ /sd
;dfg x'g] u/L lgb]{lzsf kl/dfh{g ug{ aLdf ;ldltn] w]/} cufl8 b]lv g} k|oTg
ub}{ cfPsf] s'/f d oxf“ :d/0f u/fpg rfxG5' . o;} kl/k|]Ifdf g]kfn ;/sf/sf]
cfly{s jif{ @)&#÷)&$ sf] ah]6 aQmJo dfk{mt æ;jf/L ;fwg aLdf cGt{ut
t]>f] kIf aLdf ;/x ;jf/L ;fwgdf ofqf ug]{ ofq'x¿sf] aLdf ug'{kg]{ Joj:yf
ul/g]5Æ eGg] ePaf6 aLdf ;ldltnfO{ df]6/ aLdfb/ lgb]{lzsf kl/dfh{g ug{
dfu{ k|z:t x'g uof] .
aLdf ;ldltn] aLds / oftfoft Joj;foLsf k|ltlglwx¿;+u
k6s–k6s 5nkmnsf] ;+of]hg u/L df}h'bf df]6/ aLdfb/ ;DaGwL lgb]{lzsfdf
/x]sf] sdL sdhf]/Lx¿ x6fO{ lgb]{lzsfnfO{ cem a9L ;/n, ljjfb/lxt Pj+ ;do
;fk]If Jojxfl/s agfpgdf lg/Gt/ k|oTgzLn /lx /≈of] . kl/0ffd :j¿k,
;Da4 ;a} ;/f]sf/jfnfx¿sf] ;xdltaf6 t]>f] kIf sd{rf/L / ofq'sf] d[To' Pj+
cf}ifwf]krf/df lbOg] Ifltk"lt{ /sd ;dfg x'g] u/L qmdzM ¿= % nfv / ¿= #
nfv sfod u/L gof“ df]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)&# >fj0f ! ut]b]lv
g} nfu" ug{ ;s]sf]df dnfO{ v';L nfu]sf] 5 .
df]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)&# n] df]6/ aLdf ;DaGwL jt{dfg
cfjZostfnfO{ clwstd ;Daf]wg u/]sf] 5 eGg]df d ljZj:t 5' . tyflk,
;dosf] ult;+u} gof“–gof“ cfjZostf / r'gf}tLx¿ ylkb} hf“bf of] lgb]{lzsf
;d]t k'g/fjnf]sg ug'{kg]{ x'g ;S5 . t;y{, of] lgb]{lzsfsf] sfof{Gjogaf6
cfpg] kl/0ffd, df]6/ aLdf tYof°sf] ljZn]if0f / kl/jlt{t sfg"gL Joj:yf
;d]taf6 ;do;fk]If agfpg' kg]{ b]lvPdf aLdf ;ldlt k'g/fjnf]sg ug{
;b}j tTk/ /xg] k|lta4tf JoQm ug{ rfxG5' . of] lgb]{lzsf Nofpg 5nkmndf
efu lnO{ ;xdlt hgfpg' x'g] aLds Pj+ oftfoft Joj;foLsf] k|ltlglwx¿sf]
of]ubfg cToGt} ;¥xfogLo 5 . d pxF“x¿ ;a}nfO{ wGojfb lbb}+ eljiodf ;d]t
;xof]u k|fKt x'g]df ljZj:t 5' . of] lgb]{lzsf kl/dfh{g u/L ;dod} nfu" ug{
lg/Gt/ v6\g' ePsf aLdf lj1x¿ >L ef]h/fh zdf{ / >L ladn /fh g]kfn
tyf ;ldltsf lgb]{zs, >L >Ldfg sfsL{nfO{ wGojfb lbg rfxG5' . ;fy},
sDKo'6/ sfo{df ;+nUg ;xfos lgb]{zs >L k'gd 1jfnL / ;xfos k|yd
>L ;Ltf kf08]sf] cys k|of; ljgf lgb]{lzsf ;dod} cfpg / k|sfzgsf]
r/0f;Dd k'¥ofpg ;Dej lyPg . t;y{ pxf“x¿ nufot k|ToIf Pj+ ck|ToIf
¿kdf ;xof]u k'¥ofpg] ;Dk"0f{nfO{ wGojfb JoQm ub{5' . cGtdf, k|sflzt
lgb]{lzsfaf6 ;Da4 ;a} ;/f]sf/jfnfx¿ nfeflGjt x'g' x'g]5 eGg] ck]Iff
ub{5' . wGojfb ⁄
ldltM @)&# . )% . #!
k|f= 8f= kmQ axfb'/ s]=;L
cWoIf
aLdf ;ldlt
df]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)&#
aLdf P]g, @)$( sf] bkmf *-3@_ n] lbPsf] clwsf/ k|of]u u/L aLdf
lgodfjnL, @)$( sf] lgod !* sf] pklgod -@_ sf] k|of]hgsf] nflu aLdf
;ldltn] of] lgb]{lzsf hf/L u/]sf] 5 .
kl/R5]b – !
k|f/lDes
!=! ;+lIfKt gfd / k|f/DeM
-!_ of] lgb]{lzsfsf] gfd ædf]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)&#Æ
/x]sf] 5 .
-@_ of] lgb]{lzsf @)&# ;fn >fj0f ! ut]b]lv k|f/De x'g]5 .
-#_ of] lgb]{lzsf g]kfn /fHosf ;Dk"0f{ ;jf/L ;fwgx¿sf] aLdfdf
nfu" x'g]5 .
!=@ kl/efiffM
ljifo jf k|;·n] csf]{ cy{ gnfu]df o; lgb]{lzsfdfM
-s_ æ;ldltÆ eGgfn] aLdf P]g, @)$( sf] bkmf # sf] pkbkmf -!_
adf]lhd ul7t aLdf ;ldlt ;Demg' k5{ .
-v_ ædf]6/ jf ;jf/L ;fwgÆ eGgfn] oflGqs zlQmaf6 ;8sdf rNg]
df]6/ jf ;jf/Lsf] ;fwg ;Demg' k5{ . ;f] zAbn] cg';"rL–!,
cg';"rL–@ / cg';"rL–# cGtu{t aLdf x'g] df]6/÷;jf/L ;fwg
;d]tnfO{ hgfp“5 .
-u_ æaLdfn]vÆ eGgfn] df]6/ aLdfsf] s/f/gfdf ;DaGwL clwsf/
tyf bfloTj pNn]v ePsf] lnvt ;Demg' k5{ .
-3_ æaLdsÆ eGgfn] aLdf P]g, @)$( sf] bkmf !) sf] pkbkmf -#_
adf]lhd df]6/ aLdf Joj;fo ug{ kfpg] u/L btf{ ePsf] ;+ul7t
;+:yf ;Demg' k5{ .
-ª_ æaLldtÆ eGgfn] of] lgb]{lzsf adf]lhd df]6/ aLdf u/fpg]
JolQm jf ;+:yf ;Demg' k5{ .
-r_ æaLdfz'NsÆ eGgfn] df]6/ aLdf jfkt aLldtn] aLdsnfO{ ltg'{
kg]{ /sd ;Demg' k5{ .
-5_ æaLdfb/Æ eGgfn] of] lgb]{lzsf adf]lhd nufOg] df]6/ aLdf;+u
;DalGwt Go"gtd aLdfz'Ns b/ ;Demg' k5{ .
df]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)&# M 1
-h_ æt]>f] kIfÆ eGgfn] aLdf ul/Psf] ;jf/L ;fwg;+u ;DalGwt
tyf To:tf] ;jf/L ;fwgdf ofqf ug]{ JolQm afx]ssf cGo
aflx/L JolQm jf ;DklQ ;Demg' k5{ .
-em_ æaLdf cjlwÆ eGgfn] aLdfn]vsf] tflnsfdf aLdf axfn /xg]
egL pNn]v ePsf] cjlw ;Demg' k5{ / ;f] zAbn] aLdfn]vsf]
gaLs/0f ;Dk'li6df aLdf axfn /xg] egL pNn]v ePsf]
cjlwnfO{ klg hgfp“5 .
-`_ æ;Dk'li6Æ (Endorsement) eGgfn] aLdfn]vdf pNn]lvt zt{
tyf ;'lawfdf cfjZostf cg';f/ yk36 ug{ aLdfn]vsf] Ps
c+usf] ¿kdf /xg] aLdfn]v;+u ;+nUg o; lgb]{lzsf adf]lhdsf]
yk lnvt ;Demg' k5{ .
-6_ æclwsÆ (Excess) eGgfn] k|To]s bfjL jfkt aLldt :jo+n]
Joxf]g'{ kg]{ o; lgb]{lzsf adf]lhdsf] /sd ;D´g' k5{ .
-7_ æclgjfo{ clwsÆ eGgfn] k|To]s bfjL jfkt aLldt :jo+n]
clgjfo{ ¿kn] Joxf]g'{ kg]{ o; lgb]{lzsf adf]lhdsf] /sd ;D´g'
k5{ .
-8_ æ:j]lR5s clwsÆ eGgfn] aLdfz'Nsdf 5"6 lnO{ k|To]s
bfjL jfkt aLldt :jo+n] Joxf]g{ d~h'/ u/]sf] o; lgb]{lzsf
adf]lhdsf] /sd ;D´g' k5{ .
-9_ æaLdfn]vsf] tflnsfÆ eGgfn] o; lgb]{lzsf cGtu{t ;jf/L
;fwg aLdf ubf{ hf/L ul/g] aLdfn]vsf] tflnsf ;D´g' k5{ .
-0f_ æk|:tfj kmf/fdÆ eGgfn] o; lgb]{lzsf cGtu{t ;jf/L ;fwgsf]
aLdf ug{ rfxg] AolQm jf ;+:yfn] k"0f{¿kdf e/]/ aLds ;dIf
a'´fpg' kg]{ o; lgb]{lzsf adf]lhdsf] ljj/0f kmf/fd ;D´g'
k5{ .
-t_ æhf]lvd ;d"xÆ eGgfn] x"nb+uf, x8\tfn, gful/s pkb|j, å]ifk"0f{
sfo{, ljWj+zfTds sfo{ tyf cft+ssf/L ultljlw hf]lvd ;d"x
;D´g' k5{ .
-y_ æJofks (Comprehensive) aLdfÆ eGgfn] o; lgb]{lzsfdf
;dflji6 aLdfn]v adf]lhd aLdf ePsf] ;jf/L ;fwg;+u
;DalGwt ef}lts Iflt tyf t]>f] kIf k|ltsf] bfloTj Joxf]g]{ u/L
ul/g] aLdf ;Demg' k5{ .
kl/R5]b –#
df]6/;fOsn rfns tyf ;f]df k5fl8 ;jf/
Ps JolQm (Pillion Rider) sf] b'3{6gf aLdf
!= o; aLdfn]vsf] zt{x¿sf] clwgdf /xL ;jf/L ;fwg xf“ls/x]sf] JolQm
jf ;jf/L ;fwgdf ;jf/ Ps JolQm (Pillion Rider) aLdf ul/Psf]
;jf/L ;fwgdf ;jf/ /x“bf jf r9\bf jf cf]n{bf b'3{6gfdf k/L
rf]6k6s nfu]sf] kl/0ffd :j¿k To:tf] b'3{6gf ePsf] Ps ;o lqof;L
-!*#_ lbg leq b]xfo adf]lhd Iflt ePsf] cj:yfdf b]xfo adf]lhdsf]
kl/R5]b –$
bfjL gu/]sf] cj:yfdf x'g] 5"6
!= o; aLdfn]v cGtu{t s'g} aLdf bfjL gu/]sf] cj:yfdf aLdfn]v
gaLs/0f u/fp“bf aLdsn] gaLs/0f aLdfz'Ns -hf]lvd ;d"x aLdf
afx]s_ df b]xfo adf]lhdsf] 5"6 lbg]5M
kl/R5]b – %
ckjfbx¿
-o; aLdfn]vsf] ;a} kl/R5]bx¿sf] nflu_
!= o; aLdfn]v cGtu{t b]xfosf] cj:yfdf aLdssf] bfloTj /xg] 5}gM
-s_ o; aLdfn]vsf] tflnsfdf pNn]lvt ef}uf]lns If]qeGbf aflx/
ePsf] jf 36]sf] s'g} b'3{6gf, xflg–gf]S;fgL, Iflt jf bfloTj,
-v_ cGo s'g} s/f/ cGtu{t >[hgf ePsf] bfjL,
-u_ ;jf/L ;fwg rf]/L ePsf] cj:yfdf afx]s aLdfn]vsf] tflnsfdf
tf]lsP adf]lhdsf] rfns eGbf km/s JolQmn] ;jf/L ;fwg
xf“s]sf] cj:yfdf ePsf] jf 36]sf] b'3{6gf, xflg–gf]S;fgL, Iflt
jf bfloTj,
-3_ cf0fljs ljls/0f jf cf0fljs OGwgsf] Hjng kl5 z]if /x]sf]
a]sDdf kbfy{af6 lg:sg] /]l8of]wld{tf -:jtM hf/L /xg] c0f'sf]
ljR5]bgsf] Hjng ;d]t_ sf] ;lqmotfsf] ;+;u{af6 k|ToIf jf
ck|ToIf ¿kn] x'g] s'g} xflg–gf]S;fgL,
df]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)&# M 57
-ª_ cf0fljs xft–xltof/af6 p7]sf] jf ;f];+u k|ToIf jf ck|ToIf
¿kdf ;+nUg /x]sf] sf/0faf6 ePsf] jf 36]sf] b'3{6gf,
Iflt÷xflg–gf]S;fgL jf >[lht bfloTj,
-r_ Hjfnfd'vL lj:kmf]6g, ljb]zL zq'tfk"0f{ sfo{, b'ZdgL jf n8fO{
h:tf] sfo{ -n8fO{sf] 3f]if0ff x'g' cufl8 jf k5fl8_, u[xo'4,
;}lgs lab|f]x, ;}lgs zf;g jf pNn]lvt 36gfx¿sf] k|ToIf
kl/0ffd;+u k|ToIf jf ck|ToIf, glhs jf 6f9fsf] sf/0faf6
ePsf] jf ;f+s]lts ¿kdf pTkGg ePsf] jf ;+nUg /x]sf] s'g}
b'3{6gf, Iflt÷xflg–gf]S;fgL jf bfloTj .
@= o; aLdfn]vn] /Iffj/0f u/]sf] ;jf/L ;fwg b'3{6gfsf] kl/0ffd :j¿k
>[hgf ePsf] Iflt (Consequential Loss) k|lt aLdssf] s'g} bfloTj
/xg] 5}g .
#= tf]lsPsf] yk aLdfz'Ns aLldtn] e'QmfgL u/]sf] cfwf/df aLdsn]
o; aLdfn]vsf] lj:tf/sf] ¿kdf x"nb+uf, x8\tfn, å]ifk"0f{ sfo{ tyf
cft+ssf/L÷ljWj+zsf/L sfo{ ;DaGwL ;Dk'li6x¿ hf/L gu/];Dd
x"nb+uf, x8\tfn, å]ifk"0f{ sfo{ jf cft+ssf/L÷laWj+zsf/L sfo{af6
ePsf] jf 36]sf] b'3{6gf, Iflt÷xflg–gf]S;fgL jf bfloTj aLdsn]
Joxf]g]{ 5}g .
kl/R5]b – ^
zt{x¿
!= o; aLdfn]vsf] s'g} efudf k|of]u x'g] ljz]if cy{ ;lxtsf] zAb jf
jfSof++zsf] cy{ hxf“ h'g cj:yfdf k|of]u x'G5 ToxL dfGo x'g]5 .
@= o; aLdfn]v cGtu{t bfjL of]Uo s'g} b'3{6gf jf Iflt÷xflg–gf]S;fgL
ePdf ;f]sf] ;"rgf lnlvt ¿kdf cljnDa aLdsnfO{ lbg' kg]{5 .
To:tf] b'3{6gf af/] aLldtn] aLdsnfO{ cfjZos kg]{ ;Dk"0f{ hfgsf/L
tyf ;xof]u pknAw u/fpg' kg]{5 . To:tf] b'3{6gf;+u ;DalGwt
kq, bfjL, Dofb, ;df≈jfg -l/6_ jf k|lqmof ;DaGwL hfgsf/L cflb
aLldtnfO{ k|fKt x'g] lalQs} aLdsnfO{ x:tfGt/0f ug'{ kg]{5 . o;
aLdfn]v cGtu{t bfjL ug{ ;lsg] s'g} d'2f dfldnf, cg';Gwfg jf
3fpm÷rf]]6k6s (Fatal Injury) sf] hf“ra'´ ;DaGwdf aLldtnfO{ s'g}
kl/R5]b– #
bfjL gu/]sf] cj:yfdf x'g] 5"6
!= o; aLdfn]v cGtu{t s'g} aLdf bfjL gu/]sf] cj:yfdf aLdfn]v gaLs/0f
u/fp“bf aLdsn] gaLs/0f aLdfz'Ns -hf]lvd ;d"x / JolQmut b'3{6gf
;DaGwL aLdf afx]s_ df b]xfo adf]lhdsf] 5"6 lbg]5M
kl/R5]b – $
ckjfbx¿
-o; aLdfn]vsf] ;a} kl/R5]bx¿sf] nflu_
!= o; aLdfn]v cGtu{t b]xfosf] cj:yfdf aLdssf] bfloTj /xg] 5}gM
-s_ o; aLdfn]vsf] tflnsfdf pNn]lvt ef}uf]lns If]qeGbf aflx/
ePsf] jf 36]sf] s'g} b'3{6gf, xflg–gf]S;fgL, Iflt jf bfloTj,
-v_ cGo s'g} s/f/ cGtu{t >[hgf ePsf] bfjL,
-u_ ;jf/L ;fwg rf]/L ePsf] cj:yfdf afx]s aLdfn]vsf] tflnsfdf
tf]lsP adf]lhdsf] rfns eGbf km/s JolQmn] ;jf/L ;fwg
xf“s]sf] cj:yfdf ePsf] jf 36]sf] b'3{6gf, xflg–gf]S;fgL, Iflt
jf bfloTj,
-3_ cf0fljs ljls/0f jf cf0fljs OGwgsf] Hjng kl5 z]if /x]sf]
a]sDdf kbfy{af6 lg:sg] /]l8of]wld{tf -:jtM hf/L /xg] c0f'sf]
ljR5]bgsf] Hjng ;d]t_ sf] ;lqmotfsf] ;+;u{af6 k|ToIf jf
ck|ToIf ¿kn] x'g] s'g} xflg–gf]S;fgL,
-ª_ cf0fljs xft–xltof/af6 p7]sf] jf ;f];+u k|ToIf jf ck|ToIf
¿kdf ;+nUg /x]sf] sf/0faf6 ePsf] jf 36]sf] b'3{6gf,
Iflt÷xflg–gf]S;fgL jf >[lht bfloTj,
-r_ Hjfnfd'vL lj:kmf]6g, ljb]zL zq'tfk"0f{ sfo{, b'ZdgL jf n8fO{
h:tf] sfo{ -n8fO{sf] 3f]if0ff x'g' cufl8 jf k5fl8_, u[xo'4,
;}lgs lab|f]x, ;}lgs zf;g jf pNn]lvt 36gfx¿sf] k|ToIf
kl/0ffd;+u k|ToIf jf ck|ToIf, glhs jf 6f9fsf] sf/0faf6
ePsf] jf ;f+s]lts ¿kdf pTkGg ePsf] jf ;+nUg /x]sf] s'g}
b'3{6gf, Iflt÷xflg–gf]S;fgL jf bfloTj .
@= o; aLdfn]vn] /Iffj/0f u/]sf] ;jf/L ;fwg b'3{6gfsf] kl/0ffd :j¿k
>[hgf ePsf] Iflt (Consequential Loss) k|lt aLdssf] s'g} bfloTj
/xg] 5}g .
74 M df]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)&#
#= tf]lsPsf] yk aLdfz'Ns aLldtn] e'QmfgL u/]sf] cfwf/df aLdsn]
o; aLdfn]vsf] lj:tf/sf] ¿kdf x"nb+uf, x8\tfn, å]ifk"0f{ sfo{ tyf
cft+ssf/L÷ljWj+zsf/L sfo{ ;DaGwL ;Dk'li6x¿ hf/L gu/];Dd
x"nb+uf, x8\tfn, å]ifk"0f{ sfo{ jf cft+ssf/L÷laWj+zsf/L sfo{af6
ePsf] jf 36]sf] b'3{6gf, Iflt÷xflg–gf]S;fgL jf bfloTj aLdsn]
Joxf]g]{ 5}g .
kl/R5]b – %
zt{x¿
!= o; aLdfn]vsf] s'g} efudf k|of]u x'g] ljz]if cy{ ;lxtsf] zAb jf
jfSof++zsf] cy{ hxf“ h'g cj:yfdf k|of]u x'G5 ToxL dfGo x'g]5 .
@= o; aLdfn]v cGtu{t bfjL of]Uo s'g} b'3{6gf jf Iflt÷xflg–gf]S;fgL
ePdf ;f]sf] ;"rgf lnlvt ¿kdf cljnDa aLdsnfO{ lbg' kg]{5 .
To:tf] b'3{6gf af/] aLldtn] aLdsnfO{ cfjZos kg]{ ;Dk"0f{ hfgsf/L
tyf ;xof]u pknAw u/fpg' kg]{5 . To:tf] b'3{6gf;+u ;DalGwt
kq, bfjL, Dofb, ;df≈jfg -l/6_ jf k|lqmof ;DaGwL hfgsf/L cflb
aLldtnfO{ k|fKt x'g] lalQs} aLdsnfO{ x:tfGt/0f ug'{ kg]{5 . o;
aLdfn]v cGtu{t bfjL ug{ ;lsg] s'g} d'2f dfldnf, cg';Gwfg jf
3fpm÷rf]]6k6s (Fatal Injury) sf] hf“ra'´ ;DaGwdf aLldtnfO{ s'g}
hfgsf/L ePdf t'¿Gt aLdsnfO{ lnlvt hfgsf/L lbg' kg]{5 . o;
aLdfn]v cGtu{t bfjL ug{ ;lsg] s'g} rf]/L jf cGo kmf}}hbf/L s;'/sf]]
;DaGwdf aLldtn] aLds tyf k|x/LnfO{ t'¿Gt ;"rgf ug'{ kg]{5 /
ck/fwL kQf nufpg ;xof]u ug'{ kg]{5 .
#= aLdssf] lnlvt cg'dlt glnO{ aLldt jf aLldtsf] tkm{af6 s'g} klg
JolQmn] o; aLdfn]v cGtu{tsf] bfjL ;DaGwdf s'g} k|:tfj /fVg,
k|lt1f ug{, e'QmfgL lng÷lbg jf 5"6 lbg ;Sg] 5}g . aLdsn] bfjLsf
;DaGwdf aLldtsf] tkm{af6 bfjL e'QmfgL ug{, ljjfb ;dfwfg ug{,
k|lt/Iff ug{, sf/jfxL rnfpg jf ax; k}/jL ug{ rfx]df aLds k"0f{
:jtGq /xg] 5 / aLldtn] o; ;DaGwL ;a} ;"rgf / ;xof]u aLdsn]
dfu] adf]lhd k|bfg ug'{ kg]{5 .
kl/R5]b– #
lalu|Psf] cGo ;jf/L ;fwg tfGbfsf] Ifltk"lt{sf] ;Ldf
o; aLdfn]vn] /Iffj/0f u/]sf] ;jf/L ;fwgn] cGo lalu|Psf] ;jf/L ;fwg
tfgL Nofp“bf÷To:tf] tfGg] sfdsf] l;nl;nfdf o; aLdfn]vn] /Iffj/0f
u/]sf] ;jf/L ;fwg xflg–gf]S;fgL x'g uPdf o; aLdfn]vsf] zt{ tyf
;Ldfsf] cwLgdf /xL ;f]sf] Ifltk"lt{sf] nflu aLds pQ/bfoL x'g]5 .
t/– -!_ To:tf] tfGg] sfd ef8f glnO{ u/]sf] x'g' kg]{5 .
-@_ To;/L tflgPsf] ;jf/L ;fwg jf ;f]df /x]sf dfn;fdfgsf] Ifltsf]
;DaGwdf aLds pQ/bfoL x'g] 5}g .
kl/R5]b – %
ckjfbx¿
-o; aLdfn]vsf] ;a} kl/R5]bx¿sf] nflu_
!= o; aLdfn]v cGtu{t b]xfosf] cj:yfdf aLdssf] bfloTj /xg] 5}gM
-s_ o; aLdfn]vsf] tflnsfdf pNn]lvt ef}uf]lns If]qeGbf aflx/
ePsf] jf 36]sf] s'g} b'3{6gf, xflg–gf]S;fgL, Iflt jf bfloTj,
-v_ cGo s'g} s/f/ cGtu{t >[hgf ePsf] bfjL,
-u_ ;jf/L ;fwg rf]/L ePsf] cj:yfdf afx]s aLdfn]vsf] tflnsfdf
tf]lsP adf]lhdsf] rfns eGbf km/s JolQmn] ;jf/L ;fwg
xf“s]sf] cj:yfdf ePsf] jf 36]sf] b'3{6gf, xflg–gf]S;fgL, Iflt
jf bfloTj,
-3_ cf0fljs ljls/0f jf cf0fljs OGwgsf] Hjng kl5 z]if /x]sf]
a]sDdf kbfy{af6 lg:sg] /]l8of]wld{tf -:jtM hf/L /xg] c0f'sf]
ljR5]bgsf] Hjng ;d]t_ sf] ;lqmotfsf] ;+;u{af6 k|ToIf jf
ck|ToIf ¿kn] x'g] s'g} xflg–gf]S;fgL,
-ª_ cf0fljs xft–xltof/af6 p7]sf] jf ;f];+u k|ToIf jf ck|ToIf
¿kdf ;+nUg /x]sf] sf/0faf6 ePsf] jf 36]sf] b'3{6gf,
Iflt÷xflg–gf]S;fgL jf >[lht bfloTj,
-r_ Hjfnfd'vL lj:kmf]6g, ljb]zL zq'tfk"0f{ sfo{, b'ZdgL jf n8fO{
h:tf] sfo{ -n8fO{sf] 3f]if0ff x'g' cufl8 jf k5fl8_, u[xo'4,
;}lgs lab|f]x, ;}lgs zf;g jf pNn]lvt 36gfx¿sf] k|ToIf
kl/0ffd;+u k|ToIf jf ck|ToIf, glhs jf 6f9fsf] sf/0faf6
ePsf] jf ;f+s]lts ¿kdf pTkGg ePsf] jf ;+nUg /x]sf] s'g}
b'3{6gf, Iflt÷xflg–gf]S;fgL jf bfloTj .
@= o; aLdfn]vn] /Iffj/0f u/]sf] ;jf/L ;fwg b'3{6gfsf] kl/0ffd :j¿k
>[hgf ePsf] Iflt (Consequential Loss) k|lt aLdssf] s'g} bfloTj
/xg] 5}g .
df]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)&# M 91
#= tf]lsPsf] yk aLdfz'Ns aLldtn] e'QmfgL u/]sf] cfwf/df aLdsn]
o; aLdfn]vsf] lj:tf/sf] ¿kdf x"nb+uf, x8\tfn, å]ifk"0f{ sfo{ tyf
cft+ssf/L÷ljWj+zsf/L sfo{ ;DaGwL ;Dk'li6x¿ hf/L gu/];Dd
x"nb+uf, x8\tfn, å]ifk"0f{ sfo{ jf cft+ssf/L÷laWj+zsf/L sfo{af6
ePsf] jf 36]sf] b'3{6gf, Iflt÷xflg–gf]S;fgL jf bfloTj aLdsn]
Joxf]g]{ 5}g .
kl/R5]b – ^
zt{x¿
!= o; aLdfn]vsf] s'g} efudf k|of]u x'g] ljz]if cy{ ;lxtsf] zAb jf
jfSof++zsf] cy{ hxf“ h'g cj:yfdf k|of]u x'G5 ToxL dfGo x'g]5 .
@= o; aLdfn]v cGtu{t bfjL of]Uo s'g} b'3{6gf jf Iflt÷xflg–gf]S;fgL
ePdf ;f]sf] ;"rgf lnlvt ¿kdf cljnDa aLdsnfO{ lbg' kg]{5 . To:tf]
b'3{6gf af/] aLldtn] aLdsnfO{ cfjZos kg]{ ;Dk"0f{ hfgsf/L tyf
;xof]u pknAw u/fpg' kg]{5 . To:tf] b'3{6gf;+u ;DalGwt kq, bfjL,
Dofb, ;df≈jfg -l/6_ jf k|lqmof ;DaGwL hfgsf/L cflb aLldtnfO{
k|fKt x'g] lalQs} aLdsnfO{ x:tfGt/0f ug'{ kg]{5 .
o; aLdfn]v cGtu{t bfjL ug{ ;lsg] s'g} d'2f dfldnf, cg';Gwfg jf
3fpm÷rf]]6k6s (Fatal Injury) sf] hf“ra'´ ;DaGwdf aLldtnfO{ s'g}
hfgsf/L ePdf t'¿Gt aLdsnfO{ lnlvt hfgsf/L lbg' kg]{5 . o;
aLdfn]v cGtu{t bfjL ug{ ;lsg] s'g} rf]/L jf cGo kmf}}hbf/L s;'/sf]]
;DaGwdf aLldtn] aLds tyf k|x/LnfO{ t'¿Gt ;"rgf ug'{ kg]{5 /
ck/fwL kQf nufpg ;xof]u ug'{ kg]{5 .
#= aLdssf] lnlvt cg'dlt glnO{ aLldt jf aLldtsf] tkm{af6 s'g} klg
JolQmn] o; aLdfn]v cGtu{tsf] bfjL ;DaGwdf s'g} k|:tfj /fVg,
k|lt1f ug{, e'QmfgL lng÷lbg jf 5"6 lbg ;Sg] 5}g . aLdsn] bfjLsf
;DaGwdf aLldtsf] tkm{af6 bfjL e'QmfgL ug{, ljjfb ;dfwfg ug{,
k|lt/Iff ug{, sf/jfxL rnfpg jf ax; k}/jL ug{ rfx]df aLds k"0f{
:jtGq /xg] 5 / aLldtn] o; ;DaGwL ;a} ;"rgf / ;xof]u aLdsn]
dfu] adf]lhd k|bfg ug'{ kg]{5 .
$= aLdssf] /f]hfO cg';f/ ;jf/L ;fwg jf ;f]df hl8t kf6{k"hf{ jf
o;sf] s'g} efu jf kf6{k"hf{sf] dd{t, abnL jf gof“ egf{ lbg jf
Iflt÷xflg–gf]S;fgL a/fa/sf] gub /sd e'Qmfg ug{ ;Sg]5 .
b|i6AoM
! o; k|df0f–kqdf pNn]v ePsf] aLdf ;DaGwL Joj:yfx¿ ;DalGwt
aLdfn]vdf pNn]v eP adf]lhd x'g]5 .
@= of] k|df0f–kq x/fPdf tTsfn glhssf] k|x/L sfof{nodf lnlvt ;"rgf
lbg' kg]{5 .
#= of] k|df0f–kq x/fPdf jf gfl;Pdf oyflz3| aLdsaf6 k|ltlnlk lbg' kg]5{ .
$= of] k|df0f–kq clgjfo{ ¿kdf ;jf/L ;fwgdf /fVg' kg]{5 .
df]6/ aLdfb/ ;DaGwL lgb]{lzsf, @)&# M 97
cg';"rL –$=!
-bkmf @=( ;+u ;DalGwt_
;jf/L ;fwg aLdfsf] k|df0f -l:6s/_
………………… sDkgL ln=
nf]uf] ;jf/L ;fwg aLdfsf] k|df0f -l:6s/_
cg';"rL – $=@
-bkmf %=( ;+u ;DalGwt_
aLdfn]v gfd;f/L ;DaGwL ;Dk'li6
-!_ of] :jLsf/ tyf d~h'/ ul/G5 sL of] ;Dk'li6 ;DalGwt aLdfn]v;+u
;+nUg eO{ ;f]sf] cleGg c+u x'g]5 .
-@_ k|fKt k|:tfj kmf/fdsf] cfwf/df aLdfn]vsf] tflnsfdf pNn]lvt
aLldtsf] ;§fdf …………… Aoj;fo jf k]zfdf ;+nUg ============
nfO{ aLldt sfod ul/Psf] 5 .
-#_ cl3Nnf] aLldtsf] aLdfof]Uolxt sfod ePsf] cjlwsf] bfjL gu/]
jfktsf] 5"6 gof“ aLldtnfO{ k|bfg ul/g] 5}g .
-$_ aLdfn]vdf pNn]lvt ckjfb, zt{ / ;Ldfx¿ oyfjt /xg] 5g\ .
AolQm df]6/;fOsnsf]
k'/f gfd M k'/f gfd M
6]lnkmf]g M 6]lnkmf]g M
O{–d]n M O{–d]n M
k]zf M k]zf M
OlGhg g+=M Rofl;; g+=M
k|:tfljt df]6/;fOsnsf]
d÷xfdL o;åf/f 3f]if0ff ub{5'÷ub{5f}+ ls dfly pNn]lvt ljj/0f ;f“rf] xf] / d÷xfdL ;xdt 5'÷5f}+
ls of] 3f]if0ff / dfly pNn]lvt pQ/ d]/f]÷xfd|f] / ======== sDkgL aLrsf] s/f/sf] cfwf/ x'g]5 .
6]lnkmf]g M 6]lnkmf]g M
O{–d]n M O{–d]n M
k]zf M k]zf M
OlGhg g+=M Rofl;; g+=M
btf{ g+=M agfpg] sDkgLM
k|:tfljt lghL uf8Lsf]
agf}6M df]8]nM
ag]sf] jif{M 3g Ifdtf -So"las Sofkfl;6L_M
;/;fdfg afx]s lghL uf8Lsf] 3f]lift d"NoM ef/ jxg Ifdtf÷rfns ;lxt l;6
IfdtfM
;/;fdfgsf] ljj/0f ;lxt 3f]lift d"NoM btf{ ldltM
vl/b ldltM
hDdf 3f]lift d"NoM vl/bsf] ;dodf gof“ jf k'/fgf]M
! tkfO{ lgDg dWo] s'g k|sf/sf] aLdfn]v lng rfxg' xG5 <
-s_ Aofks -Kofs]h_ -v_ t]>f] kIfk|ltsf] bfloTj
@ s] tkfO{ k|:tfljt uf8Lsf] bfjLsf] ;DaGwdf æ:j]lR5s clwsÆ axg
ug{ rfxg' x'G5 < rfxg' x'G5 eg] /sd v'nfpg' xf];\ .
gf]6M :j]lR5s clwssf] ¿kdf ¿= !,))), ¿= @,))), ¿= %,)))
jf ¿= !),))) jxg ubf{ z'¿ aLdfz'Nsdf qmdzM !)∞, !%∞,
@)∞ / @%∞ 5"6 kfOg]5 .
# s] k|:tfljt uf8Lsf] xf“Sg l;sfpg] sfo{sf nflu k|of]u ul/G5 <
$ s] k|:tfljt uf8L ef8f cyjf Ogfdsf] ¿kdf k|of]u ul/G5 < ul/G5
eg] ;f]sf] ljj/0f v'nfpg' xf];\ .
% ;w}+h;f] k|:tfljt uf8L /fVg] :yfgsf] 7]ufgf pNn]v ug'{xf];\ .
^ w]/}h;f] k|:tfljt uf8L v'Nnf :yfg jf Uof/]hdWo] sxf“ /flvG5 <
& s] lghL k|:tfljt uf8L k"0f{ cfjlws dd{t ePsf] cj:yfdf /xG5 <
* s] k|:tfjs afx]s cGo s'g} AolQmåf/f k|:tfljt uf8L lgoldt ¿kn]
rnfOG5 < olb rnfOG5 eg] lgDg hfgsf/Lx¿ lbg'xf];\M
o:tf AolQmsf] gfd / pd]/ uf8L xf“s]sf] s] s'g} aLdsn] o:tf AolQmsf] ;fdfGo b/x¿
Aoj;fo cjlw / zt{x¿df aLdf ug{ c:jLsf/ u/]sf] 5 <
d÷xfdL o;åf/f 3f]if0ff ub{5'÷ub{5f}+ ls dfly pNn]lvt ljj/0f ;f“rf] xf] / d÷xfdL ;xdt 5'÷5f}+
ls of] 3f]if0ff / dfly pNn]lvt pQ/ d]/f]÷xfd|f] / ======== sDkgL aLrsf] s/f/sf] cfwf/ x'g]5 .
agf}6M df]8]nM
ag]sf] jif{M 3g Ifdtf -So"las Sofkfl;6L_M
;/;fdfg afx]s lghL uf8Lsf] 3f]lift d"NoM ef/ jxg Ifdtf÷rfns ;lxt l;6
IfdtfM
;/;fdfgsf] ljj/0f ;lxt 3f]lift d"NoM btf{ ldltM
vl/b ldltM
hDdf 3f]lift d"NoM vl/bsf] ;dodf gof“ jf k'/fgf]M
! tkfO{ lgDgdWo] s'g k|sf/sf] aLdfn]v lng rfxg' xG5 <
-s_ Aofks -Kofs]h_ -v_ t]>f] kIfk|ltsf] bfloTj
@ s] tkfO{ k|:tfljt uf8Lsf] bfjLsf] ;DaGwdf æ:j]lR5s clwsÆ jxg ug{
rfxg' x'G5 < rfxg' x'G5 eg] /sd v'nfpg' xf];\ .
gf]6M :j]lR5s clwssf] ¿kdf ¿= !,))), ¿= @,))), ¿= %,)))
jf ¿= !),))) jxg ubf{ z'¿ aLdfz'Nsdf qmdzM !)∞, !%∞,
@)∞ / @%∞ 5"6 kfOg] 5 .
# lgDglnlvt s'g p2]Zosf] nflu ;jf/L ;fwg k|of]u ul/G5 <
-s_ ef8f jf Ogfdsf] nflu ofqL tyf ltgLx¿sf] ;fdfg 9'jfgL ug{ -s_
-6\ofS;L jf a;_
-v_ k|:tfjssf] cfg} dfn;fdfg 9'jfgL ug{ -lghL 9'jfgL_ -v_
-u_ ef8f jf Ogfdsf nflu cGo AolQmsf] dfn;fdfg 9'jfgL ug{ -u_
-;fj{hlgs 9'jfgL_
-3_ cGo -pNn]v ug'{xf];\_ -3_
$ s] uf8Ldf k5fl8 bf]Aa/ kfª\u|f / bf]Aa/ l:k|+u h8fg ul/Psf] 5 <
% uf8L k|of]u ul/g] d'Vo ef}uf]lns If]q s'g xf] <
^ ;w}+h;f] k|:tfljt uf8L /fVg] :yfgsf] 7]ufgf pNn]v ug'{xf];\ .
& w]/}h;f] k|:tfljt uf8L v'Nnf :yfg jf Uof/]hdWo] sxf“ /flvG5 <
* s] k|:tfljt uf8L k"0f{ cfjlws dd{t ePsf] cj:yfdf /xG5 <
( s] tkfO{n] k|:tfljt uf8Lsf] cGo s'g} aLdf ug'{ePsf] 5 < olb 5 eg]
aLdssf] gfd / aLdf ;dfKt x'g] ldlt v'nfpg' xf];\ .
!) s] tkfO{ ljutsf aLdsx¿af6 bfjL /lxt (No-Claim Discount) 5"6
kfpg' x'GYof] < olb kfpg' x'GYof] eg] s[kof 5"6 ;d]t v'Ng] u/L
gaLs/0f ;"rgf÷k|df0f–kq ;+nUg ug'{xf];\ .
d÷xfdL o;åf/f 3f]if0ff ub{5'÷ub{5f}+ ls dfly pNn]lvt ljj/0f ;f“rf] xf] / d÷xfdL ;xdt 5'÷5f}+
ls of] 3f]if0ff / dfly pNn]lvt pQ/ d]/f]÷xfd|f] / ======== sDkgL aLrsf] s/f/sf] cfwf/ x'g]5 .
b|i6JoM -s_ ckf· d}qL tLg kfª\u|] df]6/;fOsnsf] xsdf dfly -c_ / -cf_ sf] hDdf /sddf @%∞
5"6 lbO{ lx;fa ug'{ kg]{5 .
-v_ df]6/;fOsn rnfO/x]sf] JolQm -rfns_ tyf k5f8L a;]sf] ofqL (Pillion Rider) u/L
b'O{hgfsf] b'3{6gf aLdf k|lt JolQm aLdf° ¿= %,)),))). -kf“r nfv_ sf] nflu nfUg]
aLdfz'Ns t]>f] kIf aLdf z'Nsdf g} ;dfj]z (Inbuilt) ePsf] 5 .
b|i6JoM -s_ ckf· d}qL tLg kfª\u|] df]6/;fOsnsf] xsdf dfly -c_ / -cf_ sf] hDdf /sddf @%∞
5"6 lbO{ lx;fa ug'{ kg]{5 .
-v_ df]6/;fOsn rnfO/x]sf] JolQm -rfns_ tyf k5f8L a;]sf] ofqL (Pillion Rider) u/L
b'O{hgfsf] b'3{6gf aLdf k|lt JolQm aLdf° ¿= %,)),))). -kf“r nfv_ sf] nflu nfUg]
aLdfz'Ns t]>f] kIf aLdfz'Nsdf g} ;dfj]z (Inbuilt) ePsf] 5 .
b|i6JoM ckf· d}qL ;jf/L ;fwgsf] xsdf dfly -c_ / -cf_ sf] hDdf /sddf @%∞ 5"6 lbO{ lx;fa
ug'{ kg]{5 .
b|i6JoM ckf· d}qL ;jf/L ;fwgsf] xsdf dfly -c_ / -cf_ sf] hDdf /sddf @%∞ 5"6 lbO{ lx;fa
ug'{ kg]{5 .
b|i6JoM ef8fdf k|of]u ul/g] 6]Dkf] tyf cGo ofqL afxs -6\ofS;L afx]s_ ;jf/L ;fwgsf] aLdfz'Ns
u0fgf ug{sf nflu of] tflnsf k|of]u ug'{ kg]{5 .
@= Jofj;flos dfn afxs ;jf/L ;fwg -k|Hjnglzn kbfy{ cf];f/ k;f/ ug]{ afx]s_ sf]
-;/sf/L_ aLdfz'Ns b/
;jf/L ;fwgsf] Iflt÷xflg–gf]S;fgL lj?4sf] aLdf
btf{ ePsf] ldltb]lv u0fgf ubf{ ;jf/L ;fwgsf] pd]/ t]>f] kIf k|ltsf]
ef/ jxg
kf“r jif{eGbf sd % jif{b]lv !) !) jif{eGbf bfloTj aLdf
Ifdtf
-s_ jif{;Dd a9L
# 6g;Dd 3f]lift d"Nosf] )=&% -s_ sf] b/df -s_ sf] b/df ¿= %,%)).–
k|ltzt – ¿= !,%)).– !) k|ltzt yk @) k|ltzt yk
# 6geGbf # 6geGbf dflysf] -s_ sf] b/df -s_ sf] b/df ¿= *,%)).–
a9L k|To]s 6gsf] ¿= %)).– !) k|ltzt yk @) k|ltzt yk
± 3f]lift d"Nosf] )=&%
k|ltzt — ¿= #,))).–
cg';"rL– !%
-bkmf $=# sf] pkbkmf -&_ ;+u ;DalGwt_
sfof{no jf ljBfnon] k|of]u ug]{ Aofj;flos ;jf/L ;fwgsf] aLdfz'Ns b/M
;DalGwt ;jf/L ;fwgsf] b/ sfod u/L z'¿ aLdfz'Nsdf @% k|ltzt 5"6 x'g]5 .
#= b'3{6gf eO{ ;8saf6 aflx/ uPsf] ;jf/L ;fwgnfO{ ;8s;Dd lgsfNbf nfUg] vr{sf]
aLdfz'Ns b/M
;jf/L ;fwgsf] k|sf/ aLdfz'Ns b/ ¿=
lghL ;jf/L ;fwg @))
Jofj;flos -6\ofS;L ;d]t_ ;jf/L ;fwg %))
-sG:6«S;g OSo"kd]06 e]lxsn afx]s_
Jofj;flos ;jf/L ;fwg -sG:6«S;g OSo"kd]06 !,)))
e]lxsn_
6\ofS;L @))) !%
@))) #))) $)))
%))) @)
!)))) @%
!))) !) 6]+s/ %))) *))) !))))
@))) !%
6]Dkf] -ofq' afxs
Aofj;flos ljB'lto
;jf/L %))) @) !))) @))) #)))
O –l/S;f÷O{sf]–l/S;f,
6«fO{;fO{sn ;lxt_
!)))) @% cGo @))) $))) ^)))
Plu|sNr/÷ !))) !)
km/]i6«L÷ @))) !% %))) &))) !))))
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