The Motor Vehicles Act, 1988

156. Effect of certificate of insurance.

When an  insurer  has issued a  certificate  of  insurance  in  respect  of  a  contract  of insurance between the insurer and the insured person, then--

1. if   and  so  long  as  the  policy  described  in  the certificate has  not been  issued by  the insurer to the insured, the insurer shall, as between himself and any other person except the insured,  be deemed  to have  issued to  the insured  to  the insured person  a policy  of insurance conforming in all respects with the  description and particulars stated in such certificate; and
2. if  the insurer  has issued  to the  insured the  policy described in  the certificate, but the actual terms of the policy are less favourable to persons claiming under or by virtue of the policy against the insurer either directly or through the insured than the  particulars of the policy as stated in the certificate, the policy  shall, as  between the  insurer and  any other person except the  insured, be  deemed to  be in terms conforming in all respects with the particulars stated in the said certificate.

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