All terms conditions and rules of the erstwhile India Motor Tariff 2002 are still in force.
The standard documentation and General Regulations include: i. Proposal form GR2; ii. Proposal form GR3; iii. Cover Note (GR 22); iv. Certificate of insurance (GR 23); v. Cancellation of insurance and double insurance (GR 24); vi. Cancellation and issuance of fresh certificate of insurance (GR 25); vii. Certificate or cover note destroyed, torn, soiled, defaced or mutilated (GR 26); viii. Extension of geographical area (GR4): (IMT 1); ix. Geographical zones (GR 10); x. Insureds declared value (GR 8); xi. Schedule of depreciation for arriving at IDV; xii. Depreciation on parts for partial loss claims (GR 9); xiii. Period of insurance (GR 11)
The standard documentation and General Regulations include: xiv. Premium rates for short period cover (GR 12); xv. Short period scale; xvi. Rating; xvii. Discounts; xviii. Extra benefits (add-ons); xix. No claim bonus (GR 27); xx. Compulsory deductibles (GR 40); xxi. Vehicles subject to hire purchase gr 19 (IMT - 5) / lease vehicles GR 20 (IMT - 6); xxii. Vehicles subject to hypothecation (GR 21) (IMT - 7); xxiii. Transfers (GR 17) (IMT - 3); xxiv. Change of vehicle (GR 18); xxv. Towing charges GR 47; xxvi. Submission of Statistics (GR 48); xxvii. Interpretation of India Motor Tariff (GR 49)
Subsequent to de-tariffing most insurer continued to follow the tariff system and rates as base premium. They are then working out discounts and loading on the basis of their perceptions of risk.
The motor tariff was withdrawn with effect from 1st Jan 2007. Insurers are permitted to devise their own premium structure for Own damage coverage.
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