National Policy Warding Home Insurance
SECTION VII
PEDAL CYCLE
A- The Company will indemnify the Insured in respect of loss or damage to the Pedal Cycles belonging to the Insured or any member of the Insured’s family by:-
a)- Fire, Lightning, or External Explosion.
b)- Riot, Strike or Malicious Act.
c) - Burglary and/or Housebreaking or Theft.
d)- Accidental External Means.
e) - Flood, Cyclone, Storm, Tempest, and other similar convulsions of nature and atmospheric disturbance.
f) - Earthquake Fire and/or Shock.
Provided that the liability of the Company in respect of loss or damage to any one Cycle in any one period of insurance will not exceed the sum Insured set against such Cycle in the Schedule.
B- The Company will indemnify the Insured in respect of all sums which the Insured shall become legally liable to pay as compensation and litigation expenses incurred by the Company’s written consent for accidental death of or bodily injury to any person other than a member of the Insured’s family or a person in the Insured’s service or being conveyed on such cycle and/or accidental damage to property not belonging to or in the custody or control of the Insured or any member of the Insured’s family or being conveyed on such cycle in the event of accident caused by or happening through or in connection with any Pedal Cycle Insured hereunder provided that the liability of the Company in respect of such compensation and litigation expenses in any one period of Insurance is limited to Rs. 10,000/- (Rupees Ten Thousand only).
SPECIAL EXCEPTIONS: The Company shall not be liable in respect of:
i - Any accident, loss, damage or liability caused by or   through or in connection with Pedal Cycle whilst it is being used for hire or reward or outside India.
ii - Damage caused by over loading, strain or mechanical breakdown.
iii - Loss of or damage to accessories by theft unless the Pedal Cycle is stolen at the same time.
iv - Loss, damage or liability occuring whilst being used for racing or pecemaking.
v -The first Rs. 10/- of each and every loss arising under Sub-Section

(A) hereof if however, the loss or damage exceeds Rs. 10/- the Company is liable to pay full for such loss or damage.
SPECIAL CONDITIONS: the Pedal Cycle should be securely locked when left unattended.