IMT-2 — Vehicle Laid-Up (storage / repair, pro-rata OD refund)
IMT-2 — Vehicle Laid-Up (storage / repair, pro-rata OD refund). Where the vehicle is withdrawn from use (laid up for repair, long-term storage, out-of-use. — DigiSurvey.
What it covers क्या कवर होता है
Where the vehicle is withdrawn from use (laid up for repair, long-term storage, out-of-use beyond 30 days), IMT-2 allows the OD portion to be suspended for the laid-up period, in exchange for a pro-rata refund of OD premium. The TP cover may continue or be cancelled depending on the request.
जब गाड़ी use से हटाई गई हो (मरम्मत के लिए laid up, long-term storage, 30 दिन से अधिक out-of-use) — IMT-2 के तहत laid-up अवधि के लिए OD portion निलंबित हो सकता है, OD premium का pro-rata refund मिलता है। request के अनुसार TP cover चालू रहे या cancel।
Surveyor's verdict / key conditions सर्वेयर की जाँच
For a theft or fire claim on a vehicle allegedly in storage: check if IMT-2 is in force — if YES, OD cover is suspended for the laid-up period and the claim is NOT payable (even for a storage fire, except where the endorsement specifically retains fire-cover). If NO IMT-2, verify the vehicle was still in insurable use state — not formally laid up.
स्टोरेज में बताई गाड़ी पर theft/fire claim में — check करें IMT-2 है या नहीं। हाँ तो laid-up अवधि में OD cover निलंबित; claim देय नहीं (storage fire पर भी, जब तक endorsement specifically fire-cover retain न करे)। नहीं तो पक्का करें कि गाड़ी अभी भी insurable use में थी — formally laid up नहीं।
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