The policy covers vehicles used for domestic and pleasure purposes. The risks covered are Accidents, Thefts, Third Party liabilities and Fire.Lately double cabs have been classified as private car for purposes of insurance.

The policy covers for the cost of obtaining medical care and an approved doctor, hospital, pharmacy under this policy a person can be covered for both In and Out Patient or Inpatient alone. Companies traditionally do not accept outpatient alone because it would be very expensive.

This policy covers virtually all kind of properties for fire except where such property are insured under All Risks or Contractors All Risks. The term fire for insurance has a wider meaning than its liberal term. For instance damage through earthquake, impact, overflowing of water tanks are covered under fire and perils cover. The ideal properties for fire are factories, godowns, office blocks, manufacturing goods, raw materials and the like.

The policy covers an insured person resulting from any personal bodily injury he sustains in the course of his/her business, leisure or if injured by an accident, attack, dog bite name them as long as it is not self inflicting.