What are the categories of vehicles that are covered by a Motor Insurance Policy?

For the purpose of insurance, motor vehicles are divided into three classes:

Private cars: This category comprises of cars, including station wagons, used for social, domestic, business or professional purposes (excluding those used for the carriage of goods other than samples)

Motor Cycles: This includes motorcycles with or without sidecars, pedal cycles, mechanically assisted pedal cycles and motor scooters with or without sidecars

Commercial Vehicles: All vehicles excluding private cars, motor cycles and vehicles running on rails come under this category
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