Terms & Conditions for CPA

1. 1. This policy will be valid to all registered members/customers opting for roadside assistance services from TLC Assist until the member is registered with the insured
2. 2. The policy will be on a named basis.
3. 3. The Policy will not cover Insured / Insured Person who is less than 18 years and more Than 70 years of age (as on completed Birthday
4. 4. Warranted that the policy shall commence from the date of premium received.
5. 5. The members should have a unique registration number issued by the master policyholder
6. 6. Engine number and Chassis Number required at the time of policy issuance.
7. 7. The Insured shall be covered only while driving his/her own vehicle, provided that such vehicle is duly registered and declared under the policy.
8. 8. The Insured should hold an effective driving license, at the time of the accident.
9. 9. The Company’s total liability for per person in aggregate shall not exceed Sum Insured mentioned against the Policy / cover or Rs.15 lacs whichever is lower irrespective of no. of Covers/ of policies he or she is covered. Given such a scenario the first policy issued will be taken into consideration for claim payment
10. 10. In case of Claim payment under Accidental Death (AD) there will be no further claim accepted.
11. 11. Warranted that only registered vehicles shall be covered under the policy. The coverage shall be limited to private cars, and two wheelers
12. 12. Warranted that any loss or liability arising due to non-adherence or violation of traffic rules /government guidelines shall not be covered under the policy
13. 13. Claim proceeds shall be given to the nominee / family / legal heir of the deceased person as the case maybe.
14. 14. This quote is subject to the condition that no customer is involved in any hazardous activity or manual labor
15. 15. Warranted that claim should be intimated to the insurer within 30 days of the date of accident / incident. If a claim is intimated after the defined timeline, then it will be repudiated and will not be entertained in any condition
16. 16. For Death Claim under the policy —FIR is mandatory.
17. 17. At the time of claim if there are any wrong declarations related to occupation/Income/Existing diseases/any other material information the company reserves the right to reject the claim basis wrongful/mis-declaration
18. 18. Addition of new members is allowed mid-term on payment of full payment of premium as agreed there on.
19. 19. No refund on deletion of Insured person.
20. 20. The premium refund / cancellation of policy will be as per refund grid mentioned in the policy wording. There shall be no refund of premium in case of claim under the policy.
21. 21. In the event of any incorrect representation, the liability shall be upon the Policyholder

Exceptions: PROVIDED ALWAYS THAT:

The Company shall not be liable under this Policy for:

1. 1. Compensation under more than one of the foregoing Sub clauses in respect of the same period of disablement of the Insured person
2. 2. Any other payment to the same person after a claim under one of the Sub-Clauses (a), (b) or (d) has been admitted and become payable. However, amounts relating to medical expenses, carriage of dead bodies would be payable in addition if applicable
3. 3. Any payment in case of more than one claim in respect of such insured person under the Policy during any one period of insurance by which the maximum liability of the Company specified in the schedule applicable to such Insured person would exceed the sum payable under sub-clause (a) of this Policy to such insured person. However, the amount relating to medical expenses and carriage of the dead body would be payable in addition if applicable.
4. 4. Payment of weekly compensation until the total amount shall have been ascertained and agreed if applicable.
5. 5. Payment of compensation in respect of Death, injury of Disablement of the Insured person (a) from intentional self-injury, suicide or attempted suicide, (b) whilst under the influence of intoxicating liquor or drugs (c) whilst engaging in Aviation or Ballooning whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world, (d) directly or indirectly caused by venereal diseases, aids or insanity, (e) arising or resulting from the insured person committing any breach of law with criminal intent, (Standard type of Aircraft means any aircraft duly licensed to carry passengers (for hire or otherwise) by appropriate authority irrespective of whether such an aircraft is privately owned OR chartered OR operated by a regular airline OR whether such an aircraft has a single engine or multi engine.
6. 6. Payment of compensation in respect of Death, Injury or Disablement of the Insured person due to or arising out of or directly or indirectly connected with or traceable to :War, Invasion, Act or foreign enemy, Hostilities (whether war be declared or not), Civil War, Rebellion, Revolution, Insurrection, Mutiny, Military or Usurped Power Seizure,Capture, Arrests, Restraints and Detainments of all kings, princes and people of whatsoever nation condition or quality
7. 7. Payment of Compensation in respect of death of, or bodily injury or any disease or illness to the Insured person —
   (a) Directly or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception, combustion shall include any self-sustaining process of nuclear fission.

   (b) Directly or indirectly caused by or contributed to by or arising from nuclear weapons material. Provided also that the due observance and fulfillment of the terms and conditions of this Policy (which conditions and all endorsements hereon are to be read as part of this Policy) shall so far as they relate to anything to be done or not to be done by the Insured and/or Insured person be a condition precedent to any liability of the Company under this Policy.
8. 8. Pregnancy Exclusion Clause: The Insurance under this Policy shall not extend to cover death or disablement resulting directly or indirectly caused by contributed to or aggravated or prolonged by childbirth or from pregnancy or in consequence thereof.
9. 9. Participation in actual or attempted felony, riot, civil commotion, crime misdemeanor.
10. 10. Servicing - on duty with any armed forces.
11. 11. Underground mining & contractor specializing in tunneling and Offshore activities.
12. 12. Terrorism, War, war-like situation, invasion or in consequence thereof or nuclear risk.
13. 13. Payment of compensation in respect of death, permanent total disablement of Insured person arising or resulting from The Insured Person committing any breach of law with criminal intent.
14. 14. Crew of naval, military, air force personnel, policemen, firemen, Armed forces, are excluded from scope of this policy.
15. 15. Policies for Airline Personnel and Air crew, but only when on duty on flight.
16. 16. Perils of the sea are excluded from the scope of the policy.
17. 17. Any loss sustained while performing or participating in any of the following occupations or events shall not be covered - Working in mines, explosives, electrical installations on high tension electric lines, racing, circus personnel, skiing, mountaineering hunting, gliding, river rafting, winter sports, ice hockey, polo and occupations of similar hazard related to Risk Category 3.

For complete list of exclusion refers policy wordings