Frost / Freezing
Frost / Freezing. Damage to the radiator, cooling system, washer bottle, pipes and body panels caused by freezing / frost in extreme-cold regions (Ladakh,. — DigiSurvey.
What it covers क्या कवर होता है
Damage to the radiator, cooling system, washer bottle, pipes and body panels caused by freezing / frost in extreme-cold regions (Ladakh, Himachal upper reaches, Sikkim, Arunachal).
अत्यधिक ठंड वाले क्षेत्रों (Ladakh, Himachal के ऊपरी इलाके, Sikkim, Arunachal) में पाला/freezing से radiator, cooling system, washer bottle, pipes और body panels को नुकसान।
Surveyor's verdict / key conditions सर्वेयर की जाँच
Rare but a named peril. Payable only when the insured can show that proper precautions were taken (coolant + anti-freeze mix in the radiator, washer fluid with anti-freeze). If the garage finds plain water in the radiator, the damage is considered contributorily negligent — insurer may reduce or deny. Confirm Met Dept minimum temperature for the location and date.
दुर्लभ पर नामित peril। तभी देय जब insured दिखा सके कि उचित सावधानियाँ ली गई थीं (radiator में coolant + anti-freeze mix, anti-freeze वाला washer fluid)। अगर garage को radiator में सिर्फ़ पानी मिले — contributory negligence; बीमा कंपनी कम कर सकती है या deny। उस स्थान और तारीख़ का Met Dept न्यूनतम तापमान पक्का करें।
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