Monkey / Primate Damage
Monkey / Primate Damage. Damage to wiper arms, side mirror housings, antennae, rubber trims, wind deflectors, roof-rack covers and soft-top material. — DigiSurvey.
What it covers क्या कवर होता है
Damage to wiper arms, side mirror housings, antennae, rubber trims, wind deflectors, roof-rack covers and soft-top material caused by monkeys / langurs — common at hill stations, temples and highway dhabas.
wiper arm, side mirror housing, antenna, रबर trim, wind deflector, roof-rack cover और soft-top सामग्री को बंदर/लंगूर द्वारा पहुँचाया गया नुकसान — hill station, मंदिर क्षेत्र और highway ढाबों के पास आम।
Surveyor's verdict / key conditions सर्वेयर की जाँच
Covered under standard OD as damage by external means / wild animal attack, so long as it is a sudden, external, visible event. Panchayat letter / local police report / dhaba statement / dashcam clip helps. Not covered if the vehicle was knowingly parked unattended inside a known monkey-prone zone without the mirrors folded / wipers lifted — insurer may apply contributory negligence. Depreciation on plastic / rubber at 50% unless Nil-Dep is opted.
standard OD में wild animal / बाहरी कारण से हुआ नुकसान मानकर देय — अचानक, बाहरी, दृश्यमान घटना होनी चाहिए। panchayat पत्र, स्थानीय पुलिस की note, ढाबा वाले का बयान या dashcam clip मदद करेगा। अगर insured जानबूझकर मशहूर बंदर-ज़ोन में mirror फोल्ड किए बिना / wiper उठाए बिना गाड़ी छोड़ गया — बीमा कंपनी contributory negligence लगा सकती है। plastic/rubber पर 50% depreciation, जब तक Nil-Dep न लिया हो।
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