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IMT-14 — Driving Instruction (Private Car used for Driving School)

IMT-14 — Driving Instruction (Private Car used for Driving School). An endorsement allowing a private car to be used by a professional driving-instruction. — DigiSurvey.

What it covers क्या कवर होता है

An endorsement allowing a private car to be used by a professional driving-instruction school, with an additional premium. Normally a private-car policy excludes commercial / instruction use; IMT-14 adds the school usage within the policy, often with the Learner-with-Instructor rules of the MV Act observed.

एक endorsement जो private car को professional driving-instruction school द्वारा उपयोग करने की अनुमति देता है, additional premium के साथ। सामान्य private-car policy commercial / instruction use को exclude करती है; IMT-14 इसे policy में जोड़ देता है, MV Act के Learner-with-Instructor नियमों के पालन के साथ।

Policy wording sample"IMT-14 — Driving Instruction. In consideration of the additional premium charged, it is hereby agreed and declared that the policy is extended to cover the use of the vehicle for driving instruction by a professional school, subject to the Learner-and-Instructor requirements of the Motor Vehicles Act, 1988."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

For a learner-driver accident on a driving-school car: confirm IMT-14 is on the policy. Verify (i) instructor was in the front seat beside the learner, (ii) learner holds a valid Learner's Licence, (iii) "L" plate displayed, (iv) training vehicle has dual controls as per Rule 30 of CMVR. Any of these missing — potential breach.

driving-school car पर learner-driver accident में — पक्का करें policy पर IMT-14 है। verify करें (i) instructor learner के बगल सामने की सीट पर, (ii) learner का valid Learner's Licence, (iii) "L" plate लगा हो, (iv) training vehicle में CMVR Rule 30 के अनुसार dual controls। कोई भी गायब — potential breach।

Reference material — verify figures against the current IRDAI master circular and quote the actual policy wording in the report.

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