Insurance Policy For Commercial Car
Introduction:
Since civil responsibility arising from accidents to people legally insured through a another policy, therefore this policy does include responsibility towards obligatory insurance according to rules 652 for the year 55 and 66 for the year 73 and amendments for them.
Since the insured submit a letter and declaration which constitute the base of this contract and integral part of it and paid the required premium.
This policy is concluded to cover the accidents happen during the validity of this policy and according to provisions,, exceptions rules and addenda herein.
Chapter (1)
The company undertakes to indemnify the following:
1 - Loss / damage to insured car and its accessories in the following cases:
a. Collision of overturn due to surprise mechanical failure.
b. Fire, thunderbolt, external explosion or spontaneous ignition.
c. During land transport, railway transport, internal river transport or special lifts during stevedoring.
2 - Auto burglary and the Ft and loss / damage arising from it:
a. The company has the right to indemnify in cash or repair or substitute the car or any part of it ore accessories and spare parts. The liability of thee company shall not exceed the value of the damaged parts or its repair and installation, after deducting depreciation value which is the difference between the price of the new part and the substitute before the accident, with handing over the damaged parts or deduct its value from the indemnity, regarding the relativity provision that the evaluation of the car price in the table herein and the market price which one is less. In case the car deemed totally perished, the insured hand over the scrap car free of custom and any traffic violation, also to assign the car to the company, so as the company to deduct the lost parts from the final indemnity.
In case of the Ft the insured shall hand over all documents pertaining to the car without the car or the scrap, unless it is found.
b. If the car became unfit for use due to insured loss / damage, therefore the company bears the required expenses to maintain, dray and repair it in the nearest workshop,
c. The insured had the right to undertake the repairs for the insured car, providing that:
1- The evaluated value for repairs not exceeds the maximum prescribed value-according provision of responsibility limitation.
2 - To submit a detailed statement of expanses to the company.
Chapter (1) Exception
The company is not liable for:
• Decrease of car value due to usage, breakdown of defect in mechanical and electrical parts.
• Indirect loss to insured for not using the car during the period of repair.
• Tyres defects during regular usage.
• Defects due to overload or over pressure.
• Damage due to loading explosive and inflammable materials and gas cylinders without the company knowledge.
• Coverage stipulating payment of premium.
• Damage to the care due to:
1. Explosion of loading tank during welding, unless it is evidenced that it is dried before welding.
2. During loading and unloading providing that the load is the cause.
Chapter (2)
Civil Responsibility
1 - In case of an accident arising from car usage, loading and unloading, the company undertakes to indemnify the insured according to responsibility limitation provision for all legal expenses such as legal fees as compensation for:
• Death or injury of a person.
• Damage to items.
2 - Insurance coverage in this chapter according to its provisions, obligations and rules, extend to responsibility of any licensed driver in duty providing that:
a. Compliance of the deriver with policy as if he were the insured himself.
b. The driver shall not be entitled to indemnification under other policy.
3 - In case of death of any person covered by responsibility in this chapter, the company undertakes to pay compensation to his family according to provision of this chapter providing that the successors comply and abide by the policy as if they were the insured himself.
4 - The company undertakes to pay all expenses and fees which it approved in writing.
5 - In case of accident entails to pay compensations for more than one person, therefore responsibility limitation provision applies to all beneficiary persons, providing that the priority given to he insured.
6 - If the company wishing, it is allowed to:
1. Undertake representing the insured in any inquiry or investigation in accidents according to this chapter.
2. Undertake defending him before courts in accidents according to this chapter.
Chapter (2) Exceptions
1 - Death, injury or loss due to accidents off roads to bring loads for loading or transport of loads after unloading.
2 - Death or injury for any person works for the insured during or due to work.
3 - Death or injury to any passenger in the insured car or embarking or disembarking the car.
4 - Loss / damage to owned or deposited or entrusted into possession or under supervision of the insured or resident family members or transported by the insured car.
5 - Loss / damage caused to any bridge, pass way, or road and beneath them due vibrations caused by insured car or under its gravity or the load gravity.
6 - Death, physical injury or damage due to car tank explosion or attached or fixes to it during welding.
Chapter (2) – Special Exceptions
The company is not liable for any accident or claim under the two rules – 66 for the year 73 and 652 for the year 1955, even if the insurance is not concluded under these laws or not valid at the time of the accident.
General Exceptions
1 - Not covered by the insurance at all cases:
Burglary or responsibility arising form:
• Outside the geographical boundaries stated in the policy unless there is are addendum against an additional premium.
• Using the car for race, gauging speed, checking the power or hauling an unfit or licensed trailer.
• Driving by unlicensed driver.
• Driving by the insured or licensed driver under effect of alcohol or drug.
2 - This insurance does not cover loss / damage, theft, burglary and civil responsibility arising from the following factors directly or indirectly:
• Floods, storm, hurricane, volcanoes, and other natural crisis.
• War, invasion, foreign aggression and acts (whether war declared or not).
• Civil war, rebellion, disobedience, revolution, riots, military actions and coup.
• Seizure of power or civil authority.
• Radiations, explosives, nuclear and atomic weapons.
• Strikes and riots, popular movements, terrorism and vandalism.
• Responsibilities arising from agreements between the insured and the others.
• Civil responsibilities for indirect damage to others.
Exceptions not covered unless by:
(Additional Addendum)
This policy does not cover loss / damage, theft, burglary or any responsibility under this policy raised or happened due to:
• Outside geographical boundaries stated herein unless an addendum is issued against an additional premium.
• Personal accidents happen to passengers or workers of the insured car unless it is agreed upon according to special addendum and an additional premium.
• Strikes, riots, popular disturbances or terrorism and vandalism from that unless it is agree upon according to special addendum and an additional premium.
• Earthquakes and land slides unless it is agreed upon according to special addendum and an additional premium.
General Provisions
1 - In case of an incident covered by this policy, the insured shall report the company immediately within 72 hours and submit all statements, claims, judicial documents, like wise inform the company by raised legal suits and probes. Like wise in case of theft or other criminal felony to report policy immediately and cooperate with company to prosecute the perpetrator. Due to indemnity paid the company supersedes the insured toward the perpetuator.
2 - The insured shall always maintain and take all reasonable precautions to protect the car against loss, damage and theft and the company is allowed to inspect the car at any time.
3 - Upon any breakdown, the insured shall not leave the car unattended and take precautions to himself more loss and damage, and if the car started before the company would not be responsible for further damage according to this policy.
4 - The insured is not permissible to offer responsibility declarations or promise or waiver or offer of any kind without the company approval.
5 - During the policy validity, the insured shall remain the sole owner of the car, and does not enter into rental contract with others, and other such agreements binding his ownership without written approval from the company.
6 - The company has the right to revoke this policy after (7) days of a recommended letter to the insured latest address. In this case the company refund the paid premium to the remaining valid period. Likewise the insured could request revocation of the policy, and the company refund him the premium for the valid period according to short term insurance policy providing that no raised claims during the validity period of the policy.
7 - If there were many insurance, the company would not pay to loss / damage except the ratio between its insurance value and the total insurance values collectively.
8 - Essential provision for the company to pony any due sums for the insured, is his fully abidance by this policy in undertaking all the requirements and the credibility of all data and declaration stated in his application form, otherwise he will looses his rights in insurance. It is understood that insurance validity depends on paying the premiums, and the policy deemed revoked in case of not paying the premium or part of it without excuse or court ruling according to article 158 civil low.
No Claim Discount
In case of no claims raised according to this policy, during the insurance term stated herein after, and before renewal of the policy directly, then, the required premium to be renewed, reduced as follows:
Insurance Term Discount %
Previous year 15%
Previous two consecutive years 20%
Previous three consecutive years 25%
Previous four consecutive years 30%
If the company approved of transferring the insurance to another person, he would not benefit from the previous terms, and if table comprises more than one car, therefore the discount is separately effective for each car and there should not be mixing between this and the collective insurances.
Arbitration Provisions:
It is agreed that, if the two parties disputed over evaluation of loss / damage under this policy, therefore, the dispute should be referred to arbitrators, each party appoint one of them. Those two arbitrators select another third arbitrator for out balancing. If any party does not appoint an arbitrator within one month, upon a writhen request from the other party, then the second party has the right to ask the judge to do so. If the two parties failed to appoint a third arbitrator, then the judge would undertake that task upon a request from one party.
Death of the parties or one of them during arbitration, does not entail amendment in arbitration. Death or any impediment to one of the arbitrators, then a substitute should be appointed either by the arbitrators or by the one who in the first place appointed him. If one party opposed to this measure, then the judge would appoint the substitute upon request from one of the parties. The arbitrators ore not bound by any certain measures and each party pay the expenses of his appointee and the third is paid equally by the company and the insured.
It is agreed upon, that the insured shall not file a lawsuit against the company for loss / damage, under this policy, unless the arbitrators completely establishing and evaluating that loss / damage as herein above, or elapse of six months after the appointment of arbitrators without settling the disputes.
Table:
Insurance Policy No.
Name of broker
Pound Piaster
Net premium
50% Relative tax stamp fees
50% stamp fee in large
Supervision fees
Policy insurance fees
Insured Name:
Address
Occupation
From noon A
To noon B
Additional term against required
Additional premium
Total
Particulars of insured cars
Plate Number Model and place of manufacture Year of manufacture Chassis Type Chassis Number Engine Number Cylinder Capacity Number of passengers Insured evaluation
1. Car price
2. Additions (Insurance Value)
• Bearing: 100 Egyptian pound per accident (Obligatory).
• The policy deed revoked if the insured not paying the premium, and the premium deemed unpaid through a chaque unless it is collected.
• Repair of cars would not take place in agents or service centers except for cars under 5 years, but for cars over 5 years to be repaired in workshops providing that it is registered at sales tax division.
Dated in: ………………………..
Royal & Sun alliance Insurance Co.
Relativity Provisions:
It is known and agreed upon that insurance takes place on car market value, if it happened at the time of insured car accident that value exceeds the insurance value, therefore indemnity paid would decrease by ratio of insurance value to market price at the time of the accident.
Also, it is known that evaluation of insured to the car value is not deemed on acceptance from the company. In case of total damage, the value paid by the company should exceeds the insured evaluation as above or the car market value on the date of loss, damage which of them is less.
First chapter (1):
Responsibility limitation:
Expenses of maintain drag and transport of the car by the insured in the limits of (50) Egyptian Pound (provision 3).
• Maximum repair cost without referring to the company (50) Egyptian Pound (provision14).
• Maximum repair of windscreen and rear window glasses according to the following percentag:
1. 5% the insurance value for windscreen.
2. 3% of the insurance value for rear window.
Second: chapter (2) :
Civil Responsibility:
Maximum value for company liability for any claim or many claims for one accident 10000 Egyptian Pound and it could be insured against additional premium.
Third: Geographical Boundaries:
Arabian Republic of Egypt
Fourth: Driver’s Requirements:
Shall have valid driving license to drive the car, during the validity of the policy according to traffic laws and regulations.
Royal & Sun alliance Insurance Co.

Insurance Policy For Private Car
Introduction:
Since civil responsibility arising from accidents to people legally insured through a another policy, therefore this policy does include responsibility towards obligatory insurance according to rules 652 for the year 55 and 66 for the year 73 and amendments for them.
Since the insured submit a letter and declaration which constitute the base of this contract and integral part of it and paid the required premium.
This policy is concluded to cover the accidents happen during the validity of this policy andaccording to provisions,, exceptions rules and addenda herein.
Chapter (1)
The company undertakes to indemnify the following:
1 - Loss / damage to insured car and its accessories in the following cases:
a. Collision of overturn due to surprise mechanical failure.
b. Fire, thunderbolt, external explosion or spontaneous ignition.
c. During land transport, railway transport, internal river transport or special lifts during stevedoring.
2 - Auto burglary and the Ft and loss / damage arising from it:
a. The company has the right to indemnify in cash or repair or substitute the car or any part of it ore accessories and spare parts. The liability of thee company shall not exceed the value of the damaged parts or its repair and installation, after deducting depreciation value which is the difference between the price of the new part and the substitute before the accident, with handing over the damaged parts or deduct its value from the indemnity, regarding the relativity provision that the evaluation of the car price in the table herein and the market price which one is less. In case the car deemed totally perished, the insured hand over the scrap car free of custom and any traffic violation, also to assign the car to the company, so as the company to deduct the lost parts from the final indemnity.
In case of the Ft the insured shall hand over all documents pertaining to the car without the car or the scrap, unless it is found.
b. If the car became unfit for use due to insured loss / damage, therefore the company bears the required expenses to maintain, dray and repair it in the nearest workshop,
c. The insured had the right to undertake the repairs for the insured car, providing that:
1- The evaluated value for repairs not exceeds the maximum prescribed value-according provision of responsibility limitation.
2 - To submit a detailed statement of expanses to the company.
Chapter (1)
Exception
The company is not liable for:
• Decrease of car value due to usage, breakdown of defect in mechanical and electrical parts.
• Indirect loss to insured for not using the car during the period of repair.
• Tyres defects during regular usage.
Chapter (2)
Civil Responsibility
1 - In case of an accident arising from car usage, the company undertakes to indemnify the insured according to responsibility limitation provision for all legal expenses such as legal fees as compensation for:
• Death or injury of a person except those working with insured during the work time or his family members.
• Damage to items except owned by the insured or his servants or family members.
2 - Insurance coverage in this chapter according to its provisions, obligations and rules, extend to responsibility of any licensed driver in duty providing that:
a. Compliance of the deriver with policy as if he were the insured himself.
b. The driver shall not be entitled to indemnification under other policy.
3 - In case of death of any person covered by responsibility in this chapter, the company undertakes to pay compensation to his family according to provision of this chapter providing that the successors comply and abide by the policy as if they were the insured himself.
4 - The company undertakes to pay all expenses and fees which it approved in writing.
5 - In case of accident entails to pay compensations for more than one person, therefore responsibility limitation provision applies to all beneficiary persons, providing that the priority given to he insured.
6 - If the company wishing, it is allowed to:
1. Undertake representing the insured in any inquiry or investigation in accidents according to this chapter.
2. Undertake defending him before courts in accidents according to this chapter.
Chapter (2) Exceptions
The company is not liable for any accident or claim under the two rules – 66 for the year 73 and 652 for the year 1955, even if the insurance is not concluded under these laws or not valid at the time of the accident.
Chapter (3) treatment Expenses
The company undertakes according to responsibility determination provision to pay the reasonable expenses of medical treatment for the insured or his driver or any passenger in the insured car and those injuries resulted directly from the insured car due to violent, obvious, outside factors.
General Exceptions
1 - Not covered by the insurance at all cases:
Burglary or responsibility arising form:
• Outside the geographical boundaries stated in the policy unless there is are addendum against an additional premium.
• Using the car for race, gauging speed, checking the power or hauling an unfit or licensed trailer.
• Driving by unlicensed driver.
• Driving by the insured or licensed driver under effect of alcohol or drug.
2 - This insurance does not cover loss / damage, theft, burglary and civil responsibility arising from the following factors directly or indirectly:
• Floods, storm, hurricane, volcanoes, and other natural crisis.
• War, invasion, foreign aggression and acts (whether war declared or not).
• Civil war, rebellion, disobedience, revolution, riots, military actions and coup.
• Seizure of power or civil authority.
• Radiations, explosives, nuclear and atomic weapons.
• Strikes and riots, popular movements, terrorism and vandalism.
• Responsibilities arising from agreements between the insured and the others.
• Civil responsibilities for indirect damage to others.
General Provisions
1 - In case of an incident covered by this policy, the insured shall report the company immediately within 72 hours and submit all statements, claims, judicial documents, like wise inform the company by raised legal suits and probes. Like wise in case of theft or other criminal felony to report policy immediately and cooperate with company to prosecute the perpetrator. Due to indemnity paid the company supersedes the insured toward the perpetuator.
2 - The insured shall always maintain and take all reasonable precautions to protect the car against loss, damage and theft and the company is allowed to inspect the car at any time.
3 - Upon any breakdown, the insured shall not leave the car unattended and take precautions to himself more loss and damage, and if the car started before the company would not be responsible for further damage according to this policy.
4 - The insured is not permissible to offer responsibility declarations or promise or waiver or offer of any kind without the company approval.
5 - During the policy validity, the insured shall remain the sole owner of the car, and does not enter into rental contract with others, and other such agreements binding his ownership without written approval from the company.
6 - The company has the right to revoke this policy after (10) days of a recommended letter to the insured latest address. In this case the company refund the paid premium to the remaining valid period. Likewise the insured could request revocation of the policy, and the company refund him the premium for the valid period according to short term insurance policy providing that no raised claims during the validity period of the policy.
7 - If there were many insurance, the company would not pay to loss / damage except the ratio between its insurance value and the total insurance values collectively.
8 - Essential provision for the company to pony any due sums for the insured, is his fully abidance by this policy in undertaking all the requirements and the credibility of all data and declaration stated in his application form, otherwise he will looses his rights in insurance. It is understood that insurance validity depends on paying the premiums, and the policy deemed revoked in case of not paying the premium or part of it without excuse or court ruling according to article 158 civil low.
No Claim Discount
In case of no claims raised according to this policy, during the insurance term stated herein after, and before renewal of the policy directly, then, the required premium to be renewed, reduced as follows:
Insurance Term Discount %
Previous year 20%
Previous two consecutive years 30%
Previous three consecutive years 40%
Previous four consecutive years 50%
If the company approved of transferring the insurance to another person, he would not benefit from the previous terms, and if table comprises more than one car, therefore the discount is separately effective for each car and there should not be mixing between this and the collective insurances.
Arbitration Provisions:
It is agreed that, if the two parties disputed over evaluation of loss / damage under this policy, therefore, the dispute should be referred to arbitrators, each party appoint one of them. Those two arbitrators select another third arbitrator for out balancing. If any party does not appoint an arbitrator within one month, upon a writhen request from the other party, then the second party has the right to ask the judge to do so. If the two parties failed to appoint a third arbitrator, then the judge would undertake that task upon a request from one party.
Death of the parties or one of them during arbitration, does not entail amendment in arbitration. Death or any impediment to one of the arbitrators, then a substitute should be appointed either by the arbitrators or by the one who in the first place appointed him. If one party opposed to this measure, then the judge would appoint the substitute upon request from one of the parties. The arbitrators ore not bound by any certain measures and each party pay the expenses of his appointee and the third is paid equally by the company and the insured.
It is agreed upon, that the insured shall not file a lawsuit against the company for loss / damage, under this policy, unless the arbitrators completely establishing and evaluating that loss / damage as herein above, or elapse of six months after the appointment of arbitrators without settling the disputes.
Table:
Insurance Policy No.
Name of broker
Pound Piaster
Net premium
50% Relative tax stamp fees
50% stamp fee in large
Supervision fees
Policy insurance fees
Insured Name:
Address
Occupation
From noon A
To noon B
Additional term against required
Additional premium
Total
Particulars of insured cars
Plate Number Model and place of manufacture Year of manufacture Chassis Type Chassis Number Engine Number Cylinder Capacity Number of passengers Insured evaluation
1. Car price
2. Additions (Insurance Value)
• Bearing: 100 Egyptian pound per accident (Obligatory).
• The policy deed revoked if the insured not paying the premium, and the premium deemed unpaid through a chaque unless it is collected.
• Repair of cars would not take place in agents or service centers except for cars under 5 years, but for cars over 5 years to be repaired in workshops providing that it is registered at sales tax division.
Dated in: ………………………..
Royal & Sun alliance Insurance Co.
Relativity Provisions:
It is known and agreed upon that insurance takes place on car market value, if it happened at the time of insured car accident that value exceeds the insurance value, therefore indemnity paid would decrease by ratio of insurance value to market price at the time of the accident.
Also, it is known that evaluation of insured to the car value is not deemed on acceptance from the company. In case of total damage, the value paid by the company should exceeds the insured evaluation as above or the car market value on the date of loss, damage which of them is less.
First chapter (1):
Responsibility limitation:
Expenses of maintain drag and transport of the car by the insured in the limits of (50) Egyptian Pound (provision 3).
• Maximum repair cost without referring to the company (50) Egyptian Pound (provision14).
• Maximum repair of windscreen and rear window glasses according to the following percent:
1. 5% the insurance value for windscreen.
2. 3% of the insurance value for rear window.
Second: chapter (2) :
Civil Responsibility:
Maximum value for company liability for any claim or many claims for one accident 10000 Egyptian Pound and it could be insured against additional premium.
Third: Geographical Boundaries:
Arabian Republic of Egypt
Fourth: Driver’s Requirements:
Shall have valid driving license to drive the car, during the validity of the policy according to traffic laws and regulations.
Royal & Sun alliance Insurance Co.