(1) private cars.
(2) commercial vehicles business or commercial purposes,
refer to any type of mechanically propelled vehicle. They passenger vehicles,
goods vehicles or tractors can be.
(3) Trade vehicles.
(4) motorcycle.
The literacy rate for each class of vehicle classification
was issued for the purpose of classification is the basis for the use of, and.
Tariff and non-tariff Office
There are two types of insurance companies. They Motor
Tariff "Tariff Office 'Association and a member of the tariff, which is
not known as a member of the Association of non-tariff office. "Most of
the companies premium rate of customs offices and customs tariff policy, terms
of office in a private car and motorcycle Association for Regional. Tariffs for
commercial vehicles for the whole of the country is controlled by the
Bangladesh Association. But more Customs. The seven divisions of Dhaka,
Rajshahi, Chittagong, Khulna, Sylhet, Barisal and Rangpur divisions insurance
company that has become a member of the Association are divided into specific
regional customs remain. Absolutely no ending and no territorial limit for
driving restrictions on vehicles but also specific insurance department will be
affected. Similarly, a some of the other regions of the office of tariffs in a
particular region, but a car insurance premium tax and the condition of the
vehicle, which will be managed by the Association.
Types of Coverage
Each car policy can be divided into three types:
(1) This Act Policy
The risk of legal policy, a policy which is not necessarily
to be taken by the owner of a vehicle under the Motor Vehicles Act. According
to this law, a process by which a liability in a public place or a person's
death or the insured may incur with respect to the cover caused by physical
injury arising out of use of the vehicle must be taken. The amount specified in
the Act to the extent that a policy should be adopted. Workers' compensation
insurance is a policy that any liability provisions of the 1923 Act, arising
under the presence or otherwise engage in any paid employment, or driving a
motor vehicle vehicle cover is carried out in respect of death or bodily
injury. Without exception, all of the provisions of the policy itself is
printed together. It is compulsory insurance as well as personal injury and
property damage should be viewed as only.
(2) Third Party Policy
This policy is only third-party risk, which is required by
law for an insurance policy, as explained above, rather than the common law,
the law of 1855, the risk of fatal accidents, which could be responsible for as
per the law, covers. The principle of third-party property damage, for which
the insured is responsible. In addition to the charge compensation insurer, the
claimant's costs and expenses that the insured becomes legally responsible,
including all of the money.
(3) Comprehensive Policy
Under a single comprehensive policy covers a variety of
risks. General risks, which alone is covered by this policy, and the payment of
an additional premium to the insured risk and other risks are covered in
something that could be added. A comprehensive policy for private cars are
generally the following risks:
(A) the loss or damage. Required Lamps, Tyre and car
accessories, accidental external means, fire, explosion, self-ignition,
lightning, snow, burglary, housebreaking, theft, by road or by law and are insured
against malicious damage in transit, rail, inland waterways, including, lift or
elevator.
(B) repair yard nearest to the accident and to a certain
extent with respect to the removal of the car to remove the charge.
(C) third party liability, ie, third party policy to cover
the risk.
(D) costs and expenses incurred with the consent of the
company.
(Iii) repairs accident, which the company attributed to a
certain extent due to the car charge.
(f) The insured or
the vehicle occupant injuries incurred in connection with the cost of treatment
by up to a certain limit.
In addition to the above risks, the insured can secure
additional benefits after paying additional premiums. This facility alone or
together (i) death or bodily injury to the insured's wife, and the anonymity of
passengers, (ii) riots and strikes, etc., (c) theft, fraud or anger, coats,
luggage may be lost or f. Once again, etc.
Commercial vehicle policies, which are as wide as those with
private insurance. Personal accident limitation of compensation from third
parties in respect of the difference between the benefits of deductions. 20,000
on any one accident. Policies are issued on the same line, such as motorcycles,
cars.
Different policies in different conditions, and should be
studied carefully.
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