Bombay High Court
Oriental Insurance Co. Ltd.
Versus
Chimojirai Kanhojirao Shirke and another
Decided On:

Headnote:Motor Insurance Comprensive Policy-What it covers.

       Held-The comprehensive insurance policy is basically a policy to indemnify the owner of the vehicle in respect of risk to third parties with the difference that the damage or loss to and of his own vehicle is also covered by the policy.

       MOTOR INSURANCE COMPREHENSIVE POLICY

       Liability of insurance company-Accident-Death of owner driver of truck-Payment of extra premium-Acceptance by insurance Company-Apparently for unlimited personal injury and damage to property upto Rs. 10 lacs-Suit decreed for Rs 602964 and Insurer was held liable - Whether insurance company liable and owner Insured covered under terms of policy Held No.

       Held- The term unlimited personal injury in the policy or payment of extra-premium is for covering risk in excess of statutory liability in regard to third party risks and not the personal injury or death of insured owner.

       For Citation : 1992 ACJ 452 (Bom)