Risks During Traffic Flow

Risk of Fire and Explosion

Loss of or damage to the insured vehicle occurring while the engine is running and the vehicle is lawfully participating in road traffic, including accidents arising during normal operation.

Fire: Loss or damage caused by heat or flames arising from external causes, which alter the nature, form, or physical properties of the insured vehicle, irrespective of any act or omission of the Insured or authorized persons.
Explosion: Loss or damage resulting from the sudden and violent expansion of gases or vapors due to external causes, irrespective of any act or omission of the Insured or authorized persons.

Loss of or damage to the insured vehicle caused by natural perils, including but not limited to hail, flood, hurricane, dust storm, thunderstorm, lightning, and landslide.

Risk of Theft and Robbery

  A Negligent or Deliberate act of a Third Party

Theft: The unlawful and intentional act of a third party to secretly take and remove all or part of the insured vehicle without consent or violence, with intent to permanently deprive the owner.
Robbery: The unlawful taking of all or part of the insured vehicle by a third party through the use of force or threat of force against the Insured or authorized persons.

Loss of or damage to the insured vehicle occurring while it is lawfully parked in designated parking areas or facilities intended for temporary or long-term parking.

Loss of or damage to the insured vehicle caused by intentional, reckless, or negligent acts or omissions of third parties.