Hazardous Goods Vehicle — Insurance Implications (OD & TP)
Hazardous Goods Vehicle — Insurance Implications (OD & TP). The insurance implications of hazardous-goods carriage: (a) OD cover usually requires a. — DigiSurvey.
What it covers क्या कवर होता है
The insurance implications of hazardous-goods carriage: (a) OD cover usually requires a specific "Carriage of Hazardous Goods" endorsement with additional premium; without it, OD may be excluded for any loss arising from the hazardous nature of the goods (fire, explosion, spill-corrosion). (b) TP cover is statutorily available even without the endorsement, but the insurer typically obtains a Pay-and-Recover order against the owner for the hazardous-nature violation. (c) Policy excess is typically higher for a hazardous-endorsed vehicle.
Hazardous-goods carriage की insurance implications — (a) OD cover के लिए सामान्यतः "Carriage of Hazardous Goods" endorsement + additional premium ज़रूरी; बिना इसके, hazardous nature से उपजे किसी भी नुकसान (fire, explosion, spill-corrosion) के लिए OD excluded हो सकता है। (b) TP cover बिना endorsement भी वैधानिक रूप से उपलब्ध, पर insurer आम तौर पर hazardous-nature violation के लिए owner पर Pay-and-Recover order लेता है। (c) hazardous-endorsed vehicle पर policy excess अक्सर अधिक।
Surveyor's verdict / key conditions सर्वेयर की जाँच
On every hazardous-vehicle claim: (i) check policy schedule for the hazardous-goods endorsement line and the additional-premium amount, (ii) compare the IRDAI compulsory excess slab PLUS any hazardous-additional voluntary excess, (iii) record both facts in the report. If the endorsement is MISSING and the loss arose from the hazardous nature of the goods, the OD limb is likely to be repudiated — flag loudly in the recommendation.
हर hazardous-vehicle claim में — (i) policy schedule पर hazardous-goods endorsement line और additional-premium amount check करें, (ii) IRDAI compulsory excess slab PLUS कोई hazardous-additional voluntary excess compare करें, (iii) रिपोर्ट में दोनों तथ्य record करें। अगर endorsement गायब है और नुकसान माल की hazardous nature से उपजा — OD limb likely repudiated होगा; recommendation में साफ़ flag करें।
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