Riot, Strike, Malicious Damage (RSMD)
Riot, Strike, Malicious Damage (RSMD). Damage to the vehicle from riot, strike, civil commotion, mob attack, or malicious act by a person other than the. — DigiSurvey.
What it covers क्या कवर होता है
Damage to the vehicle from riot, strike, civil commotion, mob attack, or malicious act by a person other than the insured / insured's family / employee — including damage during a bandh, political procession, or targeted vandalism.
दंगा, हड़ताल, civil commotion, भीड़ के हमले, या insured / उसके परिवार/कर्मचारी के अलावा किसी व्यक्ति के द्वेषपूर्ण कृत्य से गाड़ी को नुकसान — बंद, राजनीतिक जुलूस या targeted vandalism के दौरान का नुकसान शामिल।
Surveyor's verdict / key conditions सर्वेयर की जाँच
A core Section I peril (not an add-on in the standard Indian motor wording — it is part of the base cover). ESSENTIAL — a dated FIR / Daily Diary entry at the local police station naming the event, and (where possible) a newspaper clipping / news-portal screenshot of the event. For mass-event losses, insurer often publishes a circular with simplified processing. Reject if the damage is a single localized scratch with no concurrent FIR naming the event. Depreciation / excess apply normally.
यह standard भारतीय motor wording में core Section I peril है (add-on नहीं — base cover का हिस्सा)। ज़रूरी — स्थानीय थाने में event का नाम लेते हुए dated FIR / Daily Diary entry, और संभव हो तो उस event की newspaper clipping / news-portal screenshot। mass-event losses पर बीमा कंपनी अक्सर simplified processing का circular निकालती है। अगर नुकसान एक ही localized scratch है और उसी event का कोई FIR नहीं — reject। depreciation / excess सामान्य नियम से।
Build the whole report around this knowledge
DigiSurvey opens the Claims Knowledge Library inside every report, next to the right field — so the correct wording and the correct rule are always one click away while you draft.
⚡ Try the DigiSurvey platform free 📖 Browse the full library