Motor Insurance Policy "B"
This insurance policy also known as a Comprehensive policy covers all the liabilities of the insured vehicle under the Motor Insurance Act. No vehicle can be used without insurance cover. Use of the vehicle without insurance cover is a penal offence.

Risk covered
This insurance policy protects the motor vehicle owners from these liabilities

For motor cycles and commercial vehicles, the risk of Frost Damage is also covered. From the above coverage, for all classes of vehicles, the risks of riot, strike, malicious and terrorism damage, earthquake, flood and storm can be opted out of with a consequent discount in premium.

In addition to these, cover is also available for protection, removal costs and authorisation of repairs.

Section II covers the liabilities towards third parties, i.e. liabilities of bodily injuries and property damage.

For Commercial Vehicles, however, an additional Section III covers the vehicle while it is being used for the purpose of towing disabled vehicles. This section covers third party liabilities that the insured vehicle or the one being towed may incur as a result of an accident. This is provided the towed vehicle is not towed for reward / remuneration. Further, the insurance company is also not liable for damages to the towed vehicle or any property being conveyed thereby.