• Comprehensive insurance policy for commercial vehicles.

• Third-party insurance policy for commercial vehicles.

Harm resulting from an intentional wrongdoing not committed by the owner.

Destruction due to fire, detonation, or lightning striking the insured vehicle.

The complete coverage provided by the third-party auto insurance policy.

Harm to the insured vehicle caused by an accident.

Destruction to the insured vehicle caused by terrorist actions.

Harm due to human-made disasters such as strikes, riots, vandalism, etc.

Harm incurred while the insured vehicle was being transported by water, rail, or land.

Harm resulting from environmental disasters such as earthquakes, floods, hurricanes, cyclones, landslides, hailstorms, frost, etc. Harm such as shock or fire caused by an environmental disaster is also covered.

Theft of the insured vehicle (break-in/burglary is included in this coverage). In this case, the owner is required to submit the vehicle keys and necessary paperwork.

Harm resulting from an electrical or mechanical malfunction

Indirect losses are excluded from coverage.

Harm incurred while operating a vehicle under the influence of alcohol.

Harm incurred while driving without valid documentation.

Harm incurred while engaged in illegal activity or violating the law.

Deliberate destruction of the insured vehicle.