Section 145 — Definitions.

145. Definitions.—In this Chapter,— 

(a) “authorised insurer” means an insurer for the time being carrying on general insurance 

business in India under the General Insurance Business (Nationalisation) Act, 1972, (57 of 1972) and 

any Government insurance fund authorised to do general insurance business under that Act; 

(b) “certificate of insurance” means a certificate issued by an authorised insurer in pursuance of 

sub-section (3) of section 147 and includes a cover note complying with such requirements as may be 

prescribed, and where more than one certificate has been issued in connection with a policy, or where 

a copy of a certificate has been issued, all those certificates or that copy, as the case may be; 

                                                           
1. Subs. by Act 54 of 1994, s. 44, for “any other right (hereafter” (w.e.f. 14-11-1994). 



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(c) “liability”, wherever used in relation to the death of or bodily injury to any person, includes 

liability in respect thereof under section 140; 

(d) “policy of insurance” includes “certificate of insurance”; 

(e) “property” includes goods carried in the motor vehicle, roads, bridges, culverts, causeways, 

trees, posts and mile- stones; 

(f) “reciprocating country” means any such country as may on the basis of reciprocity be notified 

by the Central Government in the Official Gazette to be a reciprocating country for the purposes of 

this Chapter; 

(g) “third party” includes the Government.