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Spare / Replacement Car (Courtesy Vehicle)

Spare / Replacement Car (Courtesy Vehicle). A courtesy vehicle (same / similar segment) for use while the insured vehicle is under admissible repair. — DigiSurvey.

What it covers क्या कवर होता है

A courtesy vehicle (same / similar segment) for use while the insured vehicle is under admissible repair beyond a free period.

मान्य मरम्मत के दौरान, free अवधि के बाद, उसी/समान segment की एक courtesy गाड़ी इस्तेमाल के लिए।

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

Insurer typically arranges this via a partner network — don't pay the insured directly. Tie the duration to the actual repair-days and the cap in the schedule.

बीमा कंपनी आम तौर पर partner network से यह गाड़ी देती है — insured को सीधा भुगतान न करें। अवधि असली repair-days और schedule के cap से जोड़ें।

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

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