What's Not Covered

• Unethical Driving: If during making a claim, the driver-owner is found to be driving the bus under the influence of alcohol or without a valid driving license then your commercial/Staff bus won’t be covered.
• Consequential Loss: In case of any loss/damage, which is a direct result of a certain action by the insured or the third party. For example, driving the vehicle in the land slide or the rain or in a flooded locality, leading to the damage of the engine or any other parts of Commercial/Staff Bus.
• Own Damages for Third-Party Policy holder: If you’re only going for a Third-Party Commercial Insurance for your commercial/Staff bus, then act of deliberate damage and losses won’t be covered
• Known Wear and Tear: Any damage or loss that your Commercial/Staff bus incurs because of a known cause such as damaged gear box or damaged engine because of leakage for a long time won’t be covered.
• State of War: Any damage or loss incurring to your commercial/Staff bus due to war, civil war, mutiny and so on won’t be covered.

STAFF BUS INSURANCE POLICY COVERAGE BY PARTS

WHY Staff BUS INSURANCE IS CRITICAL TO HAVE ALL THE TIME?

Staff Bus Insurance or Staff Bus Insurance is important in India as it provide security against any unforeseen misshapen. Also it provides assurance to any damages to vehicle as well as third party losses occurred during an accident.
Most often the Staff buses are owned by Staff itself or a person can provide a commercial bus to operate for the Staff activities only hence requiring a hired driver to drive the vehicle which makes it more important to cover the driver’s insurance as well as students and all third party losses.

Benefits of Staff Bus Insurance

• Bodily injury or demise coverage for driver
• Legal implications coverage for third-party incidents
• Protection against man-made calamities
• Peace of mind for accident-related fiscal costs

Insurance Types