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Passenger cover in new car policy - Gulf Times issued 01.10.10
By Pratap John
Chief Business Reporter
Passenger cover is now a feature of the revised Compulsory Third Party Liability Insurance Premium for private vehicles, sources have said.
The third party vehicle insurance tariff for all categories of vehicles was revised in August following a ministerial decision.
An industry source told Gulf Times that a key feature of the new Compulsory Third Party Liability Insurance Premium was the “mandatory passenger cover” for private vehicles.
“Earlier it was an option. Now for private vehicles- from four cylinders upwards, the passenger cover is mandatory and included in the premium,” the source said.
The revised third party premium for four-cylinder private vehicles is QR400, six cylinders (QR500), eight cylinder (QR600) and above eight cylinder (QR800).
For sports and four-wheel drive vehicles, the revised third party premium is QR500 (four cylinders), QR600 (six cylinders), QR800 (eight cylinders) and QR1,200 (above eight cylinders).
The source said, “The third party premium rates have been revised upwards consequent on the new law. At the same time the commitment of insurance companies has gone up even more. Now we have to cover all passengers including the driver. That puts more pressure on the insurance companies.”
However, some industry experts say the number of accidents has come down significantly of late with Traffic Department strictly enforcing rules and installing signals at the roundabouts.
“This clearly means fewer number of claims posted at insurance companies,” a source said.
Gulf Times earlier reported the new law prohibits adding any device to an engine so as to increase the speed of the vehicle.
No car mechanic should undertake a repair work unless the owner of the vehicle produces a certificate to the effect from the Traffic Department.
Emergency vehicles like ambulances have been authorised to exceed the speed limit and use horns or special lights while on duty.
A vehicle approaching a main road from a service lane should wait and watch for the appropriate time to enter.
Motorists are allowed to reverse their cars on roads only when there is no traffic flow and the distance thus covered should not exceed 20m.
They should also not block traffic and cause any inconvenience to the public.
If a car is stopped in the middle of the road due to mechanical failure, the driver should try to move it to a service lane. If he is not able to do it himself, he should seek the help of the police.
