Go Digit General Insurance Ltd.

Schedule/Certificate
Digit Private Car Liability Only Policy UIN No.: IRDAN158RP0002V0120171

Name RABBANI BABUSAB MULLA Vehicle Registration No. GA08K0740

N
PHONEPE INSURANCE
Partner Name BROKING SERVICES PRIVATE
LIMITED
Address ,Xeldem-403705
1080493
Partner Code

Mobile xxxxxxxxx3317 Partner Mobile No. 9490077318

PB Email [email protected] Partner Email --
Aadhar No. -- For Claims,contact us at 1800-258-5956

YOUR POLICY DETAILS

Policy No. D105904779 / 19062023 Policy Issue Date 19-Jun-2023 Invoice No. IA098776290
From 20-Jun-2023 08:05:40 Invoice Date 19-Jun-2023
Period of Policy
To 19-Jun-2024 23:59:59

M YOUR VEHICLE DETAILS

Seating
RTO Location South Goa,GOA 4
Capacity

Make TATA Model/Vehicle Variant (Sub-Type) NANO/LX

Engine No. 19980 Chassis No. 19970 Cubic Capacity 624 CC

Fuel Type Petrol Year of Mfg. -- Year of Regn. 2012

E FASTag Number NA
1
N
IG FASTag NUMBER DECLARATION
The Policy has been issued subject to your affirmative declaration that a valid FASTag has been affixed on the insured vehicle.
376.
ENDORSEMENT
Invoice Number Invoice Date Net Premium Igst Cgst Sgst Utgst Cess Gross Premium

0.00 0.00 0.00 0.00 0.00 0.00 0.00

LIABILITY PREMIUM (`)

Basic Third-Party Liability (`) 2094.00 PA cover for Owner-Driver (`) --
PA cover for 4 passengers 0 (`) -- TP for Bi-fuel kit (`)
B Legal Liability to Paid Driver (`) --
Legal Liability for Operation / Maintenance (`) --
PA Cover for Paid Driver (`)
F
Net Premium (`) 2094.00
IGST @ 18% = (`376.92) 2094
376.92

Final Premium (`) 2470.92

OTHER DETAILS
Previous Insurer
Previous Policy No. -- Previous Policy Expiry Date
IMT - Endorsements --
G0 Unregistered State Code 30
GSTIN/UIN No.
Online P_VF23061908052639963629
Payment Mode
Bank Name IFSC/MICR No --
Receipt No. RA110189699 Receipt Date 19-Jun-2023

Nominee Details --
Financier Details --

Other details --

Policy No: D105904779

Page No: 1 of 7
Go Digit General Insurance Ltd.
Schedule/Certificate
Digit Private Car Liability Only Policy UIN No.: IRDAN158RP0002V0120171

Geographical Area: Any liability incurred within India shall be covered subject to Policy Terms and Conditions, unless specifically agreed and endorsed.. Limitation as to use: The
policy covers use of the vehicle for any purpose other than hire or reward, racing, pace making, reliability trial, speed testing and use for any purpose in connection with the Motor
Trade. Person or Class of persons entitled to drive: Any person including the insured. 1) Provided that a person driving holds a valid effective driving license at the time of the
accident and is not disqualified from holding or obtaining such a license. 2) Provided also that the person holding a valid & effective Learner’s License may also drive the vehicle
and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989 and any subsequent amendment as applicable. Limits of Liability: 1) Under
Section II - 1 (i) of the policy: Death of or bodily injury - Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988. 3) Under Section II - 1 (ii) of the policy:
Damage to Third Party Property - ` 750000 4) P.A. Cover for Owner Driver under Section III (CSI) - ` 0

PA Owner Driver Declaration:The Policy has been issued without Compulsory Personal Accident Cover to Owner Driver on the basis of your declaration that you do not hold a valid
Driving License on or before the date of commencement of this Policy / already have an alternate Personal Accident insurance cover of Rs. 15 Lakhs

PUC Declaration:The Policy has been issued subject to valid Pollution Under Control (PUC) Certificate disclosed by you as an insured on or before the date of commencement of the
Policy .

Important Note: Please inform the Company in case of change on account of addition of CNG/PNG kit.
Cheque dishonor / Non-receipt of payment premium paid through Cheque, the policy is void ab-initio in case of dishonor of Cheque or non-receipt of payment. Violation of Motor
Vehicle Act: This policy is issued in accordance with the provision of Chapter X and Chapter XI of MV act, 1988 and any subsequent amendment as applicable. Any violation will
forfeit all benefits and coverages under the Policy. The insured is not indemnified if the vehicle is used or driven otherwise than in accordance with this Schedule. Any payment made
by the Company by reason of wider terms appearing in Certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from the insured. See the Clause headed
(Avoidance Of Certain Terms And Right Of Recovery) in the policy. This policy is subject to the standard policy wordings, warranties and conditions applicable for this product in
addition to Indian Motor Tariff. Policy would be void on the ground that it was obtained by non- disclosure of material fact or by a representation of fact which was false in some
material particular.

Note: The terms and conditions detailed in this policy schedule as well as the policy document sent by Digit shall prevail in case of any dispute.

For & On Behalf of Go Digit General Insurance Ltd.

In case of claim or any other query, please

contact our 24-hour Call Centre at 1800-258-
5956 or email us at [email protected] or visit
our website www.godigit.com Praveen Bhat
Senior Vice President-Customer Experience
[email protected]
Authorized Signatory
Printed, Signed, and Executed at Bengaluru
Consolidated Stamp Duty has been paid as per Letter of
Authorization No.67-B/04/2017-18 Date: 30th May 2017
issued by Department of Stamps and Registration ,
Bengaluru- 560009 - KARNATAKA.
Hey, our document is now digitally signed
Click here to view the certificate.

Go Digit General Insurance Ltd. Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru, Karnataka 560095. IRDAI Reg No. 158 CIN
U66010PN2016PLC167410, GST Reg. No.:27AACCO4128Q1Z0 HSN: 997134/General Insurance Services, GSTIN Address:Institutional West Business centre,1st to 6th Flr, Ananta
One, Pride Hotel Lne, Narveer Tanaji Wadi,Pune,Maharashtra,PIN-411005

Policy No: D105904779

Page No: 2 of 7
 Go Digit General Insurance Ltd.
Schedule/Certificate
P Digit Private Car Liability Only Policy UIN No.: IRDAN158RP0002V0120171

Digit Private Car Liability Only Policy

-- Proposal / Transcript Form
624
UIN: IRDAN158RP0002V01201718
Go Digit General Insurance Ltd
B

*For Office Use only: *For Partner Use Only:

Scrutiny No Receipt No Proposal No IMD Code Sub IMD Code IMD Name

PHONEPE INSURANCE
-- RA110189699 D105904779 1080493 -- BROKING SERVICES
PRIVATE LIMITED

A. Questions that are necessarily to be listed for granting the cover as per the Motor Vehicles Act-1988.

Personal Details
Proposer’s (Owner’s) Full
1 RABBANI BABUSAB MULLA
Name (In capital letters)

1a Proposer’s DOB --
1b Proposer’s PAN Number --
7500 Proposer’s Aadhar
1c --
Number

1d GST Number Unregistered

,Xeldem-403705
Address (where the
vehicle is normally kept) Telephone No: -- Fax: --
2
(In capital letters, with
pin code) [email protected]
Mobile No: xxxxxxxxx3317 Mail Id:
m

3 Occupation / Business --

4 Type of Cover Liability Only Policy

From 08:05:40 20-Jun-2023

5 Period of Insurance
To 23:59:59 19-Jun-2024

A (I). Personal Details of Proposer/Owner:

A (II). Vehicle Details

Vehicle Specifications
6 Registration Number of the Vehicle GA08K0740

7 Date of Registration of the Vehicle 2012

8 Registering Authority & Location South Goa,GOA

Policy No: D105904779

Page No: 3 of 7
Go Digit General Insurance Ltd.
Schedule/Certificate
Digit Private Car Liability Only Policy UIN No.: IRDAN158RP0002V0120171

9 Year of Manufacture --

10 Engine Number 19980

11 Chassis Number 19970

12 Make of the Vehicle TATA

13 Model NANO

14 Type of Body LX

15 Cubic Capacity of the Vehicle 624

16 Seating Capacity including driver 4

Whether vehicle is driven by non-conventional source of power /CNG/LPG/Bi-Fuel? If ‘YES’, please give
17 --
details.

18 Whether the use of vehicle is limited to own premises? No

19 Whether the vehicle is used for commercial purpose? No

20 Whether the vehicle is used for driving tuitions? (GR-44) No

Details of Hire Purchase / Hypothecation / Lease (IMT-5)/(IMT-7)/(MT-6)

a) Is the vehicle proposed for insurance is:

i) Under Hire Purchase? No

21 ii) Under Lease Agreement? No

(iii) Under Hypothecation? No

b) If ‘YES’, give name and address of concerned party/parties:

Note: Copies of R.C. & Fitness Certificate should be submitted along with the proposal form

Third Party Risks: Death/ Bodily Injury

Coverage for liability against Third Party Risks (Death or Bodily Injury) required in respect of:

(i) Owner Driver only No

(ii) Any person other than Paid Driver No

If ‘YES’, give details of such other persons

1
22 2

Note:
1. Section 146 of Motor Vehicles Act-1988 makes it mandatory for the owner of the vehicle to ensure that he or any other person
authorized by him to drive a vehicle in public place has insurance against third party risks. (The explanation to Section 146
exempts the paid driver)

2. As per Section 147 (2)(a). The liability is ‘as incurred’ in the case of death / bodily injury of a third party]

Third Party Risks: TPPD (IMT -20)

Do you wish to have the statutory Third Party Property Damage (TPPD) liability of Rs. 6000/- only?
23 No
[For additional TPPD limits, please see Q.No. 25 ]

Third Party Risks: Liability to Employee ‘under E.C. Act- 1923 (Compulsorily to be covered by M.V.
Act-1988)
Legal liability to persons employed in connection with operation of the vehicle, who are ‘workmen’.
[The liability of the Employer under the Employees’ Compensation Act-1923 is covered under the
Motor Vehicles Act-1988.

24 1) Drivers (No. of persons: )

2) Employees (Workmen) (No. of persons: )

Note: The Motor Vehicles Act-1988 under Sec. 147 (1) (ii) (i) covers liability to employees who are workmen within the meaning
of the Employees’ Compensation Act- 1923.) For additional coverage, please refer to Q.No. 26 ]

B. Questions that provide additional covers as per IMT Endorsements

Addl. TPPD

Policy No: D105904779

Page No: 4 of 7
Go Digit General Insurance Ltd.
Schedule/Certificate
Digit Private Car Liability Only Policy UIN No.: IRDAN158RP0002V0120171

25
The Policy provides additional Third-Party Property Damage liability limit or Rs. 7,50,000/- for
(GR Yes
commercial vehicles. Do you wish to cover the additional limit? [Refer to Q.No. 23]
39)

Additional Liability to Employee

Do you wish to cover wider legal liability to employees who are ‘workmen’? [This information is sought
26 to cover in addition to liability under the Employees’ Compensation Act-1923, also liability under the
(IMT Fatal Accidents Act-1855 and the Common Law] No
-28) Note: The additional liability under Common Law and Fatal Accidents Act in respect of employees
who are Employees is covered under this endorsement [Refer to Q. No. 24]

Liability to Employees who are not Employee

27 Do you wish to cover wider legal liability to employees who are NOT ‘Employees’?
(IMT (Note: The liability under Common Law and Fatal Accidents Act-1855 in respect of employees who No
-29) are not Employees can be covered under this endorsement).

Personal Accident Cover of Owner Driver

Personal Accident Cover for Owner Driver is compulsory in the Liability Only Cover. Please give details of nomination:

(a) Name of the Nominee & Age

(b) Relationship

(c) Name of the Appointee (If nominee is a Minor)

(d) Relationship to the Nominee:

(Note):
1. Personal Accident Cover for Owner Driver is a mandatory cover except in cases where:
28 a. an owner-driver already has a 24-hour Personal Accident cover against Death and Permanent Disability (Total and
Partial) for Capital Sum Insured of at least Rs.15 Lacs
b. a vehicle is owned by a company, a partnership firm or a similar body corporate
c. the owner-driver does not hold an effective driving license.
2. Sum Insured for Personal Accident cover for Owner Driver can be less than 15 Lakhs, only if you already have Personal
Accident Cover for the Balance Sum Insured, however, this can be opted under Our Separate Product named “Digit
Compulsory Personal Accident Cover (Owner Driver)”.
3. If You want to opt for Sum insured less than 15,00,000 under “Digit Compulsory Personal Accident Cover (Owner Driver)”,
please provide below details:
Policy Period: From ______________ To ______________ Sum Insured: INR: ____________________

PA Cover for Named Occupants

Do you wish to include Personal Accident cover for named persons? If YES, give name and Capital
Sum Insured (CSI) opted for:

Sl no. Name CSI (Opted) (Rs.) Nominee Relationship

29 2
(IMT
-15) 3

Note: The maximum CSI available per person is Rs.2 Lakhs in case of Private Cars and Rs.1 Lakh in the case of Motorized Two
Wheelers)

PA Cover for Un-Named Occupants

Do you wish to include Personal Accident cover for Unnamed Passengers/hirer/pillion passengers
(Two Wheelers)?
30 If YES, give number of persons and Capital Sum Insured (CSI) Opted
(IMT
-16) No. of Persons: __________ C.S.I. (Per Person): ___________

Note: The maximum CSI available per person is Rs.2 Lacs in case of Private Cars and Rs.1 Lac in the case of Motorized Two
Wheelers)

Geographical Extension
Whether extension of geographical area to the following countries required?
31 1. Bangladesh No 2. Bhutan No
(IMT
-1) 3. Maldives No 4. Nepal No

5. Pakistan No 6. Sri Lanka No

Policy No: D105904779

Page No: 5 of 7
Go Digit General Insurance Ltd.
Schedule/Certificate
Digit Private Car Liability Only Policy UIN No.: IRDAN158RP0002V0120171

Note: Presently the territory covered is geographical area of India. Extension of geographical area cover can be availed by use of this
endorsement

C. Questions that are elicited for information and data collection purposes
Previous History:

a. Date of purchase of the vehicle by the Proposer: DD MM YYYY

b. Whether the vehicle was new or second hand at the time of purchase? NEW SECOND HAND

c. Will the vehicle be used exclusively for

(i) Private, Social, Domestic, Pleasure & Professional Purpose? YES NO

(ii) Carriage of goods other than samples or personal luggage? YES NO

d. Is the vehicle in good condition? YES NO

If NO, please give details

32 e. Name and Address of the previous insurance

company:

f. Previous policy number:

g. Period of Insurance From To

h. Claims lodged during the preceding 3 years

YEAR NO. OF CLAIMS CLAIM AMOUNT (Rs.)

Details of Driver:

Age [in years] Date of Birth

A. Age and Date of
Birth of the owner

Age [in years] Date of Birth

B. Age and Date of
Birth of the owner

C. Does the driver suffer from defective vision or hearing or any physical YES NO
33 infirmity? If ‘YES’ , please give details of such infirmity

D. Has the driver ever been involved / convicted for causing any accident of
YES NO
loss? If ‘YES’ , give details as under including the pending prosecutions:

Driver’s Name:

Date of Accident

Loss/ Cost: [Rs.]

Circumstances of Accident:

34 FASTag Number NA

Premium and Payment Details

Cheque No/NEFT Ref No P_VF2306190805263996362998

Bank Name --
Date 19-Jun-2023

Amount (Including applicable taxes) 2470.92

Declaration
• I hereby affirmatively warrant that the insured named herein/owner of the vehicle has a valid
Fasttag affixed on the insured vehicle as per the mandate issued by Ministry of Road Transport &
Highways.

Policy No: D105904779

Page No: 6 of 7
Go Digit General Insurance Ltd.
Schedule/Certificate
Digit Private Car Liability Only Policy UIN No.: IRDAN158RP0002V0120171

• I/We hereby declare that the statements made by me/us in this Proposal form are true to the best of my/our
knowledge and belief and I/We hereby agree that this declaration shall form the basis of the contract between
me/us and Go Digit General Insurance Ltd.
• I/We also declare that any additions or alterations are carried out after the submission of this proposal form then
the same would be conveyed to the Insurance Company immediately.
• I/We hereby undertake to inform the Company in case of change on account of addition of CNG/PNG kit
and ensure endorsement in my policy.
• I/We hereby affirmatively warrant that the Assured named herein/owner of the vehicle insured holds a valid
Pollution Under Control (PUC) Certificate on the date of commencement of the Policy and the same has been
shown to the agent/authorized person of intermediary. I further undertake to renew and maintain a valid and
effective PUC Certificate during the duration of the Policy period.
Date: 19-Jun-2023
This proposal form has been electronically accepted
"By submitting your contact number and email ID, you authorize Go Digit General Insurance (Digit Insurance)
to call, send SMS, messages over internet-based messaging application like WhatsApp and email and offer
you information and services for the product(s) you have opted for as well as other products/services offered
by Digit Insurance. Please note that such authorization will be over and above any registration of the contact
number on TRAI’s NDNC registry."

Insurance ACT 1938 Section 41- Prohibition of Rebates

1. No person shall allow or offer to allow either directly or indirectly, as an inducement to any person to take
out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any
rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor
shall any person taking out or renewing a policy accept any rebate, except such rebate as may be allowed in
accordance with the published prospectus or tables of the insurer.
2. ANY PERSON MAKING FAULT IN COMPLYING WITH THE PROVISIONS OF THIS SECTION SHALL BE
PUNISHABLE WITH FINE WHICH MAY EXTEND TO TEN LAKHS RUPEES.

Go Digit General Insurance Ltd. Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial
Layout, 5 Block, Bengaluru, Karnataka 560095, IRDAI Reg No. 158 CIN U66010PN2016PLC167410,
GST Reg. No: 27AACCO4128Q1Z0, GSTIN Address: Institutional West Business centre,1st to 6th Flr,
Ananta One, Pride Hotel Lne, Narveer Tanaji Wadi,Pune,Maharashtra,PIN-411005 . Website:
www.godigit.com

Policy No: D105904779

Page No: 7 of 7
 3,255 WORDS THAT CAN BE SUMMED UP IN TWO;
YOU’RE COVERED!

Digit Private Car Liability Only Policy

Visit us at www.godigit.com or call UIN Number:

1800-258-5956, anytime, for more information. IRDAN158RP0002V01201718
Index | 1
Table of Contents
Follow these directions to find your way if you get lost.
Just click on the chapter name to go there.

Digit Private Car Liability Only Policy 3

I: Liability to Third Parties 3

Avoidance of Certain Terms and Rights of Recovery 4

Application of Limits of Indemnity 4

II: Personal Accident Cover for Owner-Driver 5

General Exceptions 6

Conditions 7

Cancellation 8

Customer Grievance 10

Index | 2
Digit Private Car Liability Only Policy
Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be
the basis of this contract and is deemed to be incorporated herein has applied to Go Digit General
Insurance Ltd. (herein after referred to as “Company/DIGIT”) for the insurance hereinafter contained
and has paid the premium as consideration for such insurance in respect of events occurring
during the period of insurance.

NOW THIS POLICY WITNESSETH:

That subject to the Terms Exceptions and Conditions contained herein or endorsed or expressed hereon.

i. LIABILITY TO THIRD PARTIES

1.  Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify
the insured in the event of an accident caused by or arising out of the use of the Motor Vehicle
anywhere in India against all sums including claimant’s costs and expenses which the insured shall
become legally liable to pay in respect of:

a.  Death of or bodily injury to any person so far as it is necessary to meet the requirements of the
Motor Vehicles Act.

b.  Damage to property other than property belonging to the insured or held in trust or in the custody or
control of the insured up to the limit specified in the schedule.

2.  The Company will pay all costs and expenses incurred with its written consent.

3.  In terms of and subject to the limitations of the indemnity which is granted by this policy to the
insured, the Company will indemnify any driver who is driving the Motor vehicle on the insured’s order
or with insured’s permission provided that such driver shall as though he/she were the insured observe,
fulfill and be subject to the terms exceptions and conditions of this Policy in so far as they apply.

4.  In the event of the death of any person entitled to indemnity under this policy the Company will in
respect of the liability incurred by such person indemnify his/her personal representative in terms of and
subject to the limitations of this Policy provided that such personal representative shall as though such
representative was the insured observe, fulfill and be subject to the terms exceptions and conditions of
this Policy in so far as they apply.

5.  The Company may at its own option

a.  Arrange for representation at any Inquest or Fatal Inquiry in respect of any death which may be
the subject of indemnity under this Policy; and

b.  Undertake the defense of proceedings in any Court of Law in respect of any act or alleged
offence causing or relating to any event which may be the subject of indemnity under this Policy.

Back to Index | 3
Avoidance of Certain Terms and Right of Recovery
Nothing in this Policy or any endorsement hereon shall affect the right of any person indemnified by this
Policy or any other person to recover an amount under or by virtue of the provisions of the Motor Vehicles
Act.

But the insured shall repay to the Company all sums paid by the Company which the Company would not
have been liable to pay but for the said provisions.

Application of Limits of Indemnity

In the event of any accident involving indemnity to more than one person any limitation by the terms of
this Policy and/or of any Endorsement thereon of the amount of any indemnity shall apply to the aggregate
amount of indemnity to all persons indemnified and such indemnity shall apply in priority to the insured.

Back to Index | 4
ii. PERSONAL ACCIDENT COVER FOR OWNER-DRIVER
Subject otherwise to the terms, exceptions, conditions and limitations of this policy, the Company
undertakes to pay compensation as per the following scale for bodily injury/death sustained by
the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst mounting
into/dismounting from the vehicle insured or whilst traveling in it as a co-driver, caused by violent
,accidental, external and visible means which independent of any other cause shall within six calendar
months of such injury result in:

Nature of Injury Scale of compensation

i. Death 100%

ii. Loss of two limbs or sight of two eyes or one

100%
limb and sight of one eye

iii. Loss of one limb or sight of one eye 50%

iv. Permanent total disablement from injuries

100%
other than named above

Provided always that

1.  Compensation shall be payable under only one of the items (i) to (iv) above in respect of the
owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the
aggregate exceed the sum of 15 lakhs during any one period of insurance.

2.  No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in
part arising or resulting from or traceable to

a.  Intentional self-injury, suicide or attempted suicide, physical defect or infirmity or

b.  An accident happening whilst such person is under the influence of intoxicating liquor or drugs.

This cover is subject to

i.  The owner-driver is the registered owner of the vehicle insured herein;

ii.  The owner-driver is the insured named in this policy.

iii.  The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of
the Central Motor Vehicles Rules, 1989, at the time of the accident.

Back to Index | 5
General Exceptions
1.  The Company shall not be liable in respect of any claim arising whilst the vehicle insured herein

a.  being used otherwise than in accordance with the “Limitations as to Use” or

b.  being driven by or is for the purpose of being driven by him/her in the charge of any person other
than a Driver as stated in the Driver’s Clause

2.  The Company shall not be liable in respect of any claim arising out of any contractual liability;

3.  Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall
not be liable in respect of death arising out of and in the course of employment of a person in the
employment of the insured or in the employment of any person who is indemnified under this policy or
bodily injury sustained by such person arising out of and in the course of such employment.

4.  Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall
not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason
of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or
alighting from the Motor Vehicle at the time of the occurrence of the event out of which any claim arises.

5.  The Company shall not be liable in respect of any liability directly or indirectly or proximately or
remotely occasioned by contributed by or traceable to or arising out of or in connection with War,
Invasion, the Act of foreign enemies, hostilities or warlike operations (whether before or after
declaration of war), Civil War, Mutiny, Rebellion Military or usurped power or by any direct or indirect
consequences of any of the said occurrences and in the event of any claim hereunder, the Insured
shall prove that the accident, loss, damage and/or liability, arose independently of and was in no way
connected with or occasioned by or contributed to by or traceable to any of the said occurrences or
any consequences thereof and in default of such proof, the Company shall not be liable to make any
payment in respect of such a claim.

6.  The Company shall not be liable in respect of any liability directly or indirectly caused by or contributed
to by or arising from nuclear weapons material

Back to Index | 6
Conditions
This Policy and the Schedule shall be read together and any word or expression to which a specific
meaning has been attached in any part of this Policy or of the Schedule shall bear the same meaning
wherever it may appear.

1.  Notice shall be given in writing to the Company immediately upon the occurrence of any accident
and in the event of any claim. Every letter, claim, writ, summons and/or process or copy thereof
shall be forwarded to the Company immediately on receipt by the insured. Notice shall also
be given in writing to the Company immediately after the insured shall have knowledge of any
impending prosecution, inquest or fatal inquiry in respect of any accident which may give rise to a
claim under this Policy.

2.  No admission, offer, promise, payment, or indemnity shall be made or given by or on behalf of the
insured without the written consent of the Company which shall be entitled if it so desires to take
over and conduct in the name of the insured the defence or settlement of any claim or to prosecute
in the name of the insured for its own benefit any claim for indemnity or otherwise and shall have full
discretion in the conduct of any proceedings or in the settlement of any claim and the insured shall
give all such information and assistance as the Company may require. If the Company shall make any
payment in settlement of any claim and such payment includes any amount not covered by this Policy
the insured shall repay to the Company the amount not so covered.

3.  The insured shall take all reasonable steps to maintain insured vehicle in efficient condition and
the Company shall have at all times free and full access to examine the Insured vehicle or any part
thereof or any driver or employee of the insured.

4.  If at the time of occurrence of an event that gives rise to any claim under this policy there is in existence
any other insurance covering the same liability, the Company shall not be liable to pay or contribute
more than its ratable proportion of any compensation, cost or expense.

5.  If any dispute or difference shall arise as to the quantum to be paid under this policy (liability
being otherwise admitted), such difference shall independent of all other questions be referred to
the decision of a sole arbitrator to be appointed in writing by the parties to the dispute or if they
cannot agree upon a single arbitrator within 30 days of any party invoking Arbitration, the same

Back to Index | 7
 shall be referred to a panel of three arbitrators comprising two arbitrators one to be appointed by
each of the parties to the dispute / difference, and a third arbitrator to be appointed by such two
arbitrators who shall act as the presiding arbitrator and Arbitration shall be conducted under and
in accordance with the provisions of the Arbitration and Conciliation Act, 1996.

It is clearly agreed and understood that no difference or dispute shall be referable to Arbitration as
hereinbefore provided, if the Company has disputed or not accepted liability under or in respect of this
policy.

It is hereby expressly stipulated and declared that it shall be condition precedent to any right of action
or suit upon this policy that the award by such arbitrator/ arbitrators of the amount of the loss or
damage shall be first obtained.

It is also hereby further expressly agreed and declared that if the Company shall disclaim liability to the
insured for any claim hereunder and such claim shall not, within twelve calendar months from the date
of such disclaimer have been made the subject matter of a suit in a court of law, then the claim shall for
all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.

6.  The due observance and fulfillment of the terms, conditions and endorsements of this Policy in so far as
they relate to anything to be done or complied with by the insured and the truth of the statements and
answers in the said proposal shall be conditions precedent to any liability of the Company to make any
payment under this Policy.

7.  In the event of the death of the sole insured, this policy will not immediately lapse but will remain
valid for a period of three months from the date of the death of insured or until the expiry of this policy
(whichever is earlier). During the said period, legal heir(s) of the insured to whom the custody and use of
the Motor Vehicle passes may apply to have this Policy transferred to the name(s) of the heir(s) or obtain
a new insurance policy for the Motor Vehicle. Where such legal heir(s) desire(s) to apply for transfer of
this policy or obtain a new policy for the vehicle such heir(s) should make an application to the Company
accordingly within the aforesaid period. All such applications should be accompanied by:

a.  Death Certificate in respect of the insured

b.  Proof of title to the vehicle

c.  Original Policy

Cancellation
Cancellation by Insurer: A Policy may be cancelled by the insurer on the grounds of misrepresentation,
fraud, non-disclosure of material facts or non-co-operation by sending to the insured seven days’
notice of cancellation by recorded delivery to the Insured’s last known address and the insurer will
refund to the insured the pro-rata premium for the balance period of the policy.

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Cancellation by Insured: A Policy may be cancelled at the option of the insured with seven days’ notice
of cancellation and the insurer will be entitled to retain premium on short period scale of rates for the
period for which the cover has been in existence prior to the cancellation of the policy. The balance
premium, if any, will be refundable to the insured. Refund of premium will be subject to:

a. There being no claim under the policy, and

b. The retention of minimum premium as specified in the Indian Motor Tariff (IMT) 2002.

c. A policy can be cancelled only after ensuring that the vehicle is insured elsewhere, at least for
Liability Only cover and after surrender of the original Certificate of Insurance for cancellation.

In case of cancellation of policy by the insured, premium would be retained as per below table:

Period % of Annual Premium

Not Exceeding 1 month 20%

Exceeding 1 month but not exceeding 2 months 30%

Exceeding 2 months but not exceeding 3 months 40%

Exceeding 3 months but not exceeding 4 months 50%

Exceeding 4 months but not exceeding 5 months 60%

Exceeding 5 months but not exceeding 6 months 70%

Exceeding 6 months but not exceeding 7 months 80%

Exceeding 7 months but not exceeding 8 months 90%

Exceeding 8 months Full Annual Premium/Rate

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Customer Grievance Redressal Policy
We hope that we never leave you dissatisfied. However, if you ever wish to lodge a complaint, please feel
free to call our 24 × 7 Toll free number 1800-258-5956 or email the customer service desk at
[email protected].

Senior citizens can now contact us on 1800-258-5956 or write to us at

[email protected].

After investigating the matter internally and subsequent closure, we will send you our response.

If you do not get a satisfactory response from us and you wish to pursue other avenues for redressal
of grievances, you may approach Insurance Ombudsman appointed by IRDAI under the Insurance
Ombudsman Scheme.

The contact details of the Insurance Ombudsman centers are mentioned below:

Jurisdiction of Office
Office Location Contact Details
(Union Territory, District)

AHMEDABAD Office of the Insurance Ombudsman, Jeevan Prakash Gujarat, Dadra & Nagar Haveli,
Building, 6th floor, Tilak Marg, Relief Road, Daman and Diu.
Ahmedabad – 380 001.
Tel.: 079 - 25501201/02/05/06,
Email: [email protected]

BENGALURU Office of the Insurance Ombudsman, Jeevan Soudha Build- Karnataka.

ing, PID No. 57-27-N-19, Ground Floor, 19/19, 24th Main
Road, JP Nagar, Ist Phase, Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049,
Email: [email protected]

BHOPAL Office of the Insurance Ombudsman, Janak Vihar Com- Madhya Pradesh, Chhattisgarh.
plex, 2nd Floor, 6, Malviya Nagar, Opp. Airtel Office,
Near New Market, Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202, Fax: 0755 - 2769203,
Email: [email protected]

BHUBANESHWAR Office of the Insurance Ombudsman, 62, Orissa.

Forest park, Bhubaneshwar – 751 009.
Tel.: 0674 - 2596461 /2596455, Fax: 0674 - 2596429,
Email: [email protected]

CHANDIGARH Office of the Insurance Ombudsman, S.C.O. No. 101, 102 Punjab, Haryana, Himachal Pradesh,
& 103, 2nd Floor, Batra Building, Sector 17 – D, Chandi- Jammu & Kashmir, Chandīgarh.
garh – 160 017. Tel.: 0172 - 2706196 / 2706468,
Fax: 0172 - 2708274, Email: [email protected]

CHENNAI Office of the Insurance Ombudsman, Fatima Akhtar Court, Tamil Nadu, Pondicherry Town and
4th Floor, 453, Anna Salai, Teynampet, Karaikal (which are part of Pondi-
CHENNAI – 600 018. Tel.: 044 - 24333668 / 24335284, cherry).
Fax: 044 - 24333664, Email: [email protected]

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DELHI Office of the Insurance Ombudsman, 2/2 A, Universal Delhi.
Insurance Building, Asaf Ali Road, New Delhi – 110 002.
Tel.: 011 – 23232481 / 23213504, Fax: 011 - 23230858
Email: [email protected]

GUWAHATI Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Assam, Meghalaya, Manipur, Mizo-
Floor, Nr. Panbazar over bridge, S.S. Road, ram, Arunachal Pradesh, Nagaland
Guwahati – 781001(ASSAM). and Tripura.
Tel.: 0361 - 2132204 / 2132205, Fax: 0361 - 2732937,
Email: [email protected]

HYDERABAD Office of the Insurance Ombudsman,6-2-46, 1st floor, Andhra Pradesh, Telangana, Yanam
“Moin Court”, Lane Opp. Saleem Function Palace, A. C. and part of Territory of Pondicherry.
Guards, Lakdi-Ka-Pool, Hyderabad - 500 004.
Tel.: 040 - 65504123 / 23312122, Fax: 040 - 23376599,
Email: [email protected]

JAIPUR Office of the Insurance Ombudsman, Jeevan Nidhi – II Rajasthan.

Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005.
Tel.: 0141 - 2740363, Email: [email protected]

ERNAKULAM Office of the Insurance Ombudsman,2nd Floor, Pulinat Kerala, Lakshadweep, Mahe-a part
Bldg, Opp. Cochin Shipyard, M. G. Road, of Pondicherry.
Ernakulam - 682 015. Tel.: 0484 - 2358759 / 2359338,
Fax: 0484 - 2359336, Email: [email protected]

KOLKATA Office of the Insurance Ombudsman, Hindustan Bldg. West Bengal, Sikkim, Andaman &
Annexe, 4th Floor, 4, C.R. Avenue, Nicobar Islands.
KOLKATA - 700 072. Tel.: 033 - 22124339 / 22124340,
Fax: 033 - 22124341, Email: [email protected]

LUCKNOW Office of the Insurance Ombudsman, 6th Floor, Jeevan Districts of Uttar Pradesh: Laitpur,
Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Jhansi, Mahoba, Hamirpur, Banda,
Lucknow - 226 001. Chitrakoot, Allahabad, Mirzapur,
Sonbhabdra, Fatehpur, Pratapgarh,
Tel.: 0522 - 2231330 / 2231331, Fax: 0522 - 2231310, Jaunpur, Varanasi, Gazipur, Jalaun,
Email: [email protected] Kanpur, Lucknow, Unnao, Sitapur,
Lakhimpur, Bahraich, Barabanki,
Raebareli, Sravasti, Gonda, Faiza-
bad, Amethi, Kaushambi, Balrampur,
Basti, Ambedkarnagar, Sultanpur,
Maharajgang, Santkabirnagar,
Azamgarh, Kushinagar, Gorkhpur,
Deoria, Mau, Ghazipur, Chandauli,
Ballia, Sidharathnagar.

MUMBAI Office of the Insurance Ombudsman, 3rd Floor, Jeevan Goa, Mumbai Metropolitan Region
Seva Annexe, S. V. Road, Santacruz (W), excluding Navi Mumbai & Thane.
Mumbai - 400 054.
Tel.: 022 - 26106552 / 26106960, Fax: 022 - 26106052,
Email: [email protected]

NOIDA Office of the Insurance Ombudsman, Bhagwan Sahai State of Uttaranchal and the fol-
Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: lowing Districts of Uttar Pradesh:
Gautam Buddh Nagar, U.P-201301. Agra, Aligarh, Bagpat, Bareilly,
Tel.: 0120-2514250 / 2514252 / 2514253, Email: bimalok- Bijnor, Budaun, Bulandshehar, Etah,
[email protected] Kanooj, Mainpuri, Mathura, Meerut,
Moradabad, Muzaffarnagar, Orai-
yya, Pilibhit, Etawah, Farrukhabad,
Firozbad, Gautambodhanagar,
Ghaziabad, Hardoi, Shahjahanpur,
Hapur, Shamli, Rampur, Kashganj,
Sambhal, Amroha, Hathras, Kanshi-
ramnagar, Saharanpur.

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 PATNA Office of the Insurance Ombudsman, 1st Floor, Kalpana Bihar, Jharkhand.
Arcade Building, Bazar Samiti Road,
Bahadurpur, Patna 800 006.
Tel.: 0612-2680952, Email: [email protected]

PUNE Office of the Insurance Ombudsman, Jeevan Darshan Maharashtra, Area of Navi Mumbai
Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, and Thane excluding Mumbai Met-
N.C. Kelkar Road, Narayan Peth, Pune – 411 030. ropolitan Region.
Tel.: 020-41312555, Email: [email protected]

(Note: Address and contact number of Governing Body of Insurance Council)

Secretary General - Governing Body of Insurance Council Jeevan Seva Annexe, 3rd Floor, S.V. Road,
Santacruz (W), Mumbai 400 054. Tel. No.: 022-26106889/671/980, Fax No.: 022-26106949,
080-26106052, Email: [email protected]

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