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⛈ Natural & Man-made Perils

Damage Whilst in Transit (Rail / Road / Air / Inland Waterway)

Damage Whilst in Transit (Rail / Road / Air / Inland Waterway). Loss or damage to the vehicle whilst in transit by road, rail, inland waterway, lift,. — DigiSurvey.

What it covers क्या कवर होता है

Loss or damage to the vehicle whilst in transit by road, rail, inland waterway, lift, elevator or air — e.g. a car being railed from the factory to the dealer, or a two-wheeler ferried by road truck.

सड़क, रेल, inland waterway, lift, elevator या वायु से transit के दौरान गाड़ी को नुकसान — जैसे फैक्ट्री से डीलर तक रेल से भेजी गई car, या truck पर ढोया गया two-wheeler।

Policy wording sample"The Company will indemnify the insured against loss of or damage to the vehicle insured hereunder and/or its accessories whilst thereon whilst in transit by road, rail, inland-waterway, lift, elevator or air."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

Payable under OD as a named peril. But in practice, almost all commercial-grade transit losses (dealer-to-dealer, factory-to-stockyard) are also covered by a Marine / Open-Cargo policy — ask who is the "insured" and whose policy applies. Documents — the carrier's GC note / LR / way-bill, the receiving party's "damage received" endorsement on the LR, and photos at both ends. Compulsory excess applies; subrogation against the carrier is a MUST — do not close the file without a signed letter of subrogation.

OD में नामित peril के रूप में देय। पर व्यवहार में लगभग सारे commercial-grade transit losses (dealer-to-dealer, factory-to-stockyard) एक Marine / Open-Cargo policy में भी cover होते हैं — पूछें कि "insured" कौन है और किसकी पॉलिसी लागू होगी। दस्तावेज़ — carrier का GC note / LR / way-bill, receiving party द्वारा LR पर "damage received" का endorsement, और दोनों ends की photos। compulsory excess लागू; carrier के विरुद्ध subrogation ज़रूरी — signed letter of subrogation के बिना फाइल बंद न करें।

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

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