Dog Bite / Scratch Damage
Dog Bite / Scratch Damage. Scratches, bite marks and panel dents to body panels, bumpers, running boards, seats and door-trim caused by a dog (stray or. — DigiSurvey.
What it covers क्या कवर होता है
Scratches, bite marks and panel dents to body panels, bumpers, running boards, seats and door-trim caused by a dog (stray or domestic) during the policy period.
पॉलिसी अवधि के दौरान किसी कुत्ते (आवारा या पालतू) द्वारा body panel, bumper, running board, seat, door-trim पर खरोंच, काट के निशान या dent।
Surveyor's verdict / key conditions सर्वेयर की जाँच
Treated as accidental external damage caused by an external agent — generally payable under standard OD if the panel damage is consistent with a dog scratch/bite (claw marks on paint, saliva/hair at point of contact). Compulsory excess applies and depreciation on paint is deducted. Reject if the mark is a straight-line scuff (consistent with a wall / another vehicle) and the insured has only a verbal explanation. For interior seat damage inside a parked, unoccupied vehicle, confirm the door/window was closed; otherwise it is a vigilance failure, not insurable.
यह बाहरी कारण से हुआ accidental external damage माना जाता है — अगर panel का नुकसान सच में कुत्ते के scratch/bite जैसा हो (नाख़ून के निशान, saliva/बाल दिखें), तो standard OD में सामान्यतः देय। compulsory excess और paint depreciation कटेगा। अगर निशान सीधी-लकीर जैसा (दीवार/दूसरी गाड़ी से touching) लगे और insured सिर्फ़ ज़बानी कहे, तो reject। खड़ी हुई गाड़ी के अंदर seat पर नुकसान हो तो देखें door/window बंद थे या नहीं — वरना यह लापरवाही है, insurable नहीं।
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