...Accident (PA) Cover under Motor policy A. Compulsory Personal Accident Cover for Owner-Driver Compulsory Personal Accident Cover shall be applicable under both Liability Only and Package Policies....cover where he/she holds an effective driving license. Hence compulsory PA cover cannot be granted where a vehicle is owned by a company, a partnership firm or a similar body corporate or where the...owner-driver does not hold an effective driving license. In all such cases, where compulsory PA cover cannot be granted, the additional premium for the compulsory PA cover for the owner-driver sho...

..., General Regu lation 36 which deals with personal acci dent (PA) cover under motor policy reads as follows:“A. Compulsory personal accident cover for owner-driver: Compulsory personal...: This provision deals with personal accident cover and only the registered owner in person is entitled to the compulsory cover where he/she holds an effective driving licence. Hence compulsory PA ..., where compulsory PA cover cannot be granted, the additional premium for the compulsory PA cover for the owner-driver should not be charged and the compulsory PA cover ...

...addition to (i) above.14. Significantly enough, general regulation 36 which deals with personal accident (PA) cover under motor policy reads as follows:“A. Compulsory personal...compulsory cover where he/she holds an effective driving licence. Hence compulsory PA cover cannot be granted where a vehicle is owned by a company, a partnership firm or a similar body corporate or where...the owner-driver does not hold an effective driving licence. In all such cases, where compulsory PA cover cannot be granted, the additional premium for the compulsory PA cover for owner-driver sho...

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... a) Compulsory PA Cover (Owner Driver) : 50.00 b) Optional PA Cover (Un Named Driver) : 0.00 c) Optional PA Cover Pillion Rider) : ...governed by General Regulation No.36 which reads as under:- "GR.36. Personal Accident (PA) Cover under Motor Policy. (not applicable to vehicles covered under Section E, F and G of Tariff for Commercial Vehicles) A. ...only the registered owner in person is entitled to the compulsory cover where he/she holds an effective 18 driving license. Hence compulsory PA cover cannot be granted where a vehicle is owned by a...

.... NB. This provision deals with personal accident cover and only the registered owner in person is entitled to the compulsory cover where he/she holds an effective driving licence. Hence ..., where compulsory PA cover cannot be granted, the additional premium for the compulsory PA cover for the owner-driver should not be charged and the compulsory PA cover ...be deleted. Where the owner-driver owns more than one vehicle, compulsory PA cover can be granted for only one vehicle as opted by him/her." 18. Following this, it was argued by Mr...

...precluding Personal Accident Cover. If the insured has not opt for Compulsory PA cover, the agent or insurer could have precluded from issuing Two Wheeler Package Policy in view of GR.36A. Such...incomplete proposal form, not offering compulsory PA cover, not collecting premium to that effect and thereafter justifying the repudiation of the Personal Accident claim holding the insured not opted PA...before the Commission below and became exparte and now, came up with this appeal saying the insured has not opted for Compulsory PA cover, thereby justified their repudiation of the claim, hence...

.... Personal Accident (PA) Cover under Motor Policy (not applicable to vehicles covered under Sections E, F and G of Tariff for Commercial Vehicles) A. Compulsory Personal Accident Cover for Owner-Driver...provision deals with Personal Accident cover and only the registered owner in person is entitled to the compulsory cover where he/she holds an effective driving licence. Hence compulsory PA cover ...compulsory PA cover cannot be granted, the additional premium for the compulsory P.A cover for the owner-driver should not be charged and the compulsory P.A cover provision in the policy ...

...owner driver owns more than one vehicle in his name and is covered for PA to owner-driver under more than one insurance polices, then compulsory P.A. Cover can be granted for only one vehicle as opted...four vehicles in question. While the counsel for the opposite parties vehemently contended that as per condition of the policy and IRDA guidelines, the compulsory PA cover can be granted for only one...Regulation GR.36 reads as under:- Where the owner-driver owns more than one vehicle, compulsory PA cover can be granted for only one vehicle as opted by him / her. The learned counsel for the...

...- driver, in case owner driver owns more than one vehicle in his name and is covered for PA to owner-driver under more than one insurance polices, then compulsory P.A. Cover can be granted for only one...policies of the four vehicles in question. While the counsel for the opposite parties vehemently contended that as per condition of the policy and IRDA guidelines, the compulsory PA cover can be.../ General Regulation GR.36 reads as under:- Where the owner-driver owns more than one vehicle, compulsory PA cover can be granted for only one vehicle as opted by him / her. The learned counsel...

...: -“GR.36 Personal Accident (PA) Cover under Motor Policy(not applicable to vehicles covered under Sections E, F and G of Tariff for Commercial Vehicles)A. Compulsory Personal...compulsory cover where he/she holds an effective driving licence. Hence compulsory PA cover cannot be granted where a vehicle is owned by a company, a partnership firm or a similar body corporate or where...the owner-driver does not hold an effective driving licence. In all such cases, where compulsory PA cover cannot be granted, the additional premium for the compulsory P.A cover for the owner-driver...

...which is as under:“GR.36. Personal Accident (PA) Cover under Motor Policy (not applicable to vehicles covered under Section E, F and G of Tariff for Commercial Vehicles)Compulsory Personal...in the insured vehicle as a co-driver. NB. This provision deals with Personal Accident cover and only the registered owner in person is entitled to the compulsory cover where he/she holds an effective driving license. Hence...effective driving license. In all such cases, where compulsory PA cover cannot be granted, the additional premium for the compulsory P.A. cover for the owner - driver should not be charged and the ...

...:- "GR.36. Personal Accident (PA) Cover under Motor Policy (not applicable to vehicles covered under Section E, F and G of Tariff for Commercial Vehicles) .../ dismounting from or traveling in the insured vehicle as a co-driver. NB. This provision deals with Personal Accident cover and only the registered owner in person is entitled to the compulsory cover where he/she holds an ...not hold an effective driving license. In all such cases, where compulsory PA cover cannot be granted, the additional premium for the compulsory P.A. cover for the owner - driver should not be charged...

...: Personal Accident (PA) Cover under Motor Policy (not applicable to vehicles covered under Section E, F and G of Tariff for Commercial Vehicles) A. Compulsory Personal Accident Cover for Owner-Driver...deals with Personal Accident cover and only the registered owner in person is entitled to the compulsory cover where he/ she holds . Hence compulsory PA cover cannot be granted wherean effective...driving license a vehicle is owned by a company, a partnership firm or a similar body corporate or where the owner-driver does not hold an effective driving license. In all such cases, where compulsory PA cover cannot...

...: "GR.36. Personal Accident (PA) Cover under Motor Policy (not applicable to vehicles covered under Sect...the compulsory cover where he/ she holds an effective driving licence. Hence compulsory PA cover cannot be granted where a vehicle is owned by a company, a partnership firm or...a similar body corporate or where the owner-driver does not hold an effective driving licence. In all such cases, where compulsory PA cover cannot be granted, the additional...

...) 4ti. 249/ 2021-tTH GR.36. Personal Accident (PA) Cover under Motor Policy (not applicable to vehicles covered under SectionE, F and G of Tariff for ...to the compulsory cover where he/she holds an effective driving license. Hence compulsory PA cover cannot be... hold an cffective driving license. In all such cases, where compulsory PA cover cannot be granted, the additional prenium for the compuisory P.A. ...

...:- GR.36: Personal Accident (PA) Cover under Motor Policy (not applicable to vehicles covered under Section E, F and G of Tariff for Commercial Vehicles) A. Compulsory Personal Accident Cover for Owner.... This provision deals with Personal Accident cover and only the registered owner in person is entitled to the compulsory cover where he/ she holds an effective driving license. Hence compulsory PA ...compulsory PA cover cannot be granted, the additional premium for the compulsory P.A. cover for the owner - driver should not be charged and the compulsory P. A. cover provision in the po...

...appellants that the deceased was covered under Personal Insurance Cover (PAC) as it was a comprehensive policy lacks merit in view of GR-36, which is reproduced below:- GR 36 : Personal Accident (PA) Cover under Motor Polic...Accident cover and only the registered owner in person is entitled to the compulsory cover where he/she holds an effective driving license. Hence compulsory PA cover cannot be granted where a vehi...owned by a company, a partnership firm or a similar body corporate or where the ownerdriver does not hold an effective driving license. In all such cases, where compulsory PA cover cannot be granted...