Dual Purpose Body (DPB) policy is used for which vehicle types?

• A. Sedan and Hatchback
• B. SUV and Asian Utility Vehicle (AUV)
• C. Motorcycle
• D. Truck

Answer: (B)

Dual Purpose Body refers to vehicles designed to carry both passengers and cargo, blending passenger comfort with utility. SUVs and Asian Utility Vehicles (AUVs) have this kind of dual-use body: they provide seating for people and substantial cargo space, and they’re often built for versatility and light-duty off-road use. Because of this mixed use and the type of exposure that comes with carrying cargo in a larger, more rugged body, insurers classify them under a Dual Purpose Body policy.

Sedans and hatchbacks are primarily passenger-focused with a defined trunk and less emphasis on cargo capability, motorcycles are a different category altogether, and trucks are typically treated as commercial cargo vehicles. So the DPB policy is most appropriate for SUVs and AUVs.