The word ?accessory, means generally those parts which are directly supplied by the manufacturer along with the car, but which are not essential for the running of the motor car, are considered as accessories.
The Motor Vehicles Act, 1988 defines "driving licence" as the licence issued by a competent authority as defined in Chapter II of the Act, authorising the person specified therein to drive, otherwise than as a learner, a motor vehicle or a motor vehicle of any specified class or description.
For purposes of insurance, motor vehicles are classified into 3 broad categories, viz. Private cars, Motorcycles and Commercial vehicles.
From the time of acceptance of the risk, to the settlement of the claim for loss or damage, specific written documents are required. The main documents are listed below: i. Proposal form; ii. Proposal form forliability only policy; iii. Certificate of insurance; iv. Cover note; v. Policy forms; vi. Endorsement; vii. Renewal notice; viii. E-insurance to come into existence
The Insurance Regulatory and Development Authority of India (IRDAI) has withdrawn the India Motor Tariff with effect from 1st April 2009. However the wordings of Liability Only Policy are retained and the rates for Liability Only policy are regulated by the IRDAI.
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