17 Saod Private Car Insurance Policy - Perq 011

STAND-ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY WORDING
Product Code: 3001/O UIN: IRDAN115RP0001V02201920
STANDARD FORM FOR STAND-ALONE OWN DAMAGE PRIVATE CAR The Company shall not be liable to make any payment in respect of:-
INSURANCE POLICY
a. Consequential loss, depreciation, wear and tear, mechanical or electrical
Whereas the insured by a proposal and declaration dated as stated in the breakdown, failures or breakages;
Schedule which shall be the basis of this contract and is deemed to be
b. Damage to tyres and tubes unless the vehicle is damaged at the same time
incorporated herein has applied to the Company for the insurance hereinafter
in which case the liability of the company shall be limited to 50% of the cost
contained and has paid the premium mentioned in the schedule as consideration
of replacement and
for such insurance in respect of accidental loss or damage occurring during the
period of insurance. c. Any accidental loss or damage suffered whilst the insured or any person
driving the vehicle with the knowledge and consent of the insured is under
NOW THIS POLICY WITNESSETH
the influence of intoxicating liquor or drugs.
That subject to the Terms Exceptions and Conditions contained herein or
In the event of the vehicle being disabled by reason of loss or damage covered
endorsed or expressed hereon;
under this Policy the Company will bear the reasonable cost of protection and
SECTION I. LOSS OF OR DAMAGE TO THE VEHICLE INSURED removal to the nearest repairer and redelivery to the insured but not exceeding in
all `1500/-in respect of any one accident.
The Company will indemnify the insured against loss or damage to the
vehicle insured hereunder and/or its accessories whilst thereon The insured may authorise the repair of the vehicle necessitated by damage for
which the Company may be liable under this Policy provided that :
1. By fire explosion self ignition or lightning;
a. The estimated cost of such repair including replacements, if any, does not
2. By burglary housebreaking or theft;
exceed ` 500/-;
3. By riot and strike;
b. The Company is furnished forthwith with a detailed estimate of the cost of
4. By earthquake (fire and shock damage); repairs; and
5. By flood typhoon hurricane storm tempest inundation cyclone hailstorm c. The insured shall give the Company every assistance to see that such repair
frost; is necessary and the charges are reasonable.
6. By accidental external means; SUM INSURED, INSURED’S DECLARED VALUE (IDV)
7. By malicious act; The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the
INSURED’ for the purpose of this policy which is fixed at the commencement of
8. By terrorist activity;
‘SUM INSURED’ for the purpose of this policy which is fixed at the
9. Whilst in transit by road rail inland-waterway lift elevator or air; commencement of each policy period for the insured vehicle.
10. By landslide rockslide. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed
on the basis of the manufacturer’s listed selling price of the brand and model as
Subject to a deduction for depreciation at the rates mentioned below in respect
the vehicle insured at the commencement of insurance/renewal and adjusted for
of parts replaced:
depreciation (as per schedule below).
1. For all rubber/nylon/plastic parts, tyres and tubes, batteries and air
The schedule of age-wise depreciation as shown below is applicable for the
bags-50%
purpose of Total Loss/Constructive Total Loss (TL/CTL) claims only.
2. For fibre glass components-30%
SCHEDULE OF DEPRECIATION FOR ARRIVING AT IDV
3. For all parts made of glass-Nil
AGE OF VEHICLE % OF DEPRECIATION
4. Rate of depreciation for all other parts including wooden parts will be as per FOR FIXING IDV
the following schedule.
Not exceeding 6 months 5%
AGE OF VEHICLE % OF DEPRECIATION
Exceeding 6 months but not exceeding 1 year 15%
Not exceeding 6months Nil
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 6months but not exceeding 1 year 5%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 1 year but not exceeding 2 years 10%
IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles
(i.e. models which the manufacturers have discontinued to manufacture) is to be
Exceeding 5 years but not exceeding 10 years 40% determined on the basis of an understanding between the insurer an the insured.
Exceeding 10 years 50% IDV shall be treated as the .Market Value. Throughout the policy period without
any further depreciation for the purpose of Total Loss (TL)/Constructive Total
5. Rate of Depreciation for Painting: In the case of painting, the depreciation
Loss (CTL) claims.
rate of 50% shall be applied only on the material cost of total painting
charges. In case of a consolidated bill for painting charges,the material The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval
component shall be considered as 25% of the total painting charges for the and/or repair of the vehicle, subject to terms and conditions of the policy,
purpose of applying the depreciation. exceeds 75% of the IDV of the vehicle.
UIN: IRDAN115RP0001V02201920 -1- CIN: L67200MH2000PLC129408

AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY may be the subject of a claim under this Policy the insured shall give
immediate notice to the police and cooperate with the Company in securing
Nothing in this Policy or any endorsement hereon shall affect the right of any
the conviction of the offender.
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 Wherever details pertaining to any incident which results in a claim, are
repay to the Company all sums paid by the Company which the Company would conveyed by the insured to the insurer after reasonable period, insured shall
not have been liable to pay but for the said provisions. provide the reasons of such delay to the insurer and insurer may on analysis
of reasons provided by insured, condone the delay in intimation of claim or
APPLICATION OF LIMITS OF INDEMNITY
delay in providing the required information/documents to the insurer.
In the event of any accident involving indemnity to more than one person any
2. No ad mission offer promise payment or indemnity shall be made or given by
limitation by the terms of this Policy and/or of any Endorsement thereon of the
or on behalf of the insured without the written consent of the Company
amount of any indemnity shall apply to the aggregate amount of indemnity to all
which shall be entitled if it so desires to take over and conduct in the name of
persons indemnified and such indemnity shall apply in priority to the insured.
the insured the defence or settlement of any claim or to prosecute in the
GENERAL EXCEPTIONS 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
(Applicable to all Sections of the Policy)
settlement of any claim and the insured shall give all such information and
The Company shall not be liable under this Policy in respect of assistance as the Company may require.
1. Any accidental loss or damage and/or liability caused sustained or incurred 3. The Company may at its own option repair reinstate or replace the vehicle or
outside the geographical area; part thereof and/or its accessories or may pay in cash the amount of the loss
or damage and the liability of the Company shall not exceed:
2. Any claim arising out of any contractual liability;
a) For total loss/constructive total loss of the vehicle-the Insured’s
3. Any accidental loss damage and/or liability caused sustained or incurred
Declared Value (IDV) of the vehicle (including accessories thereon) as
whilst the vehicle insured herein is
specified in the Schedule less the value of the wreck.
a) Being used otherwise than in accordance with the .Limitations as to
b) For partial losses, i.e. losses other than Total Loss/Constructive Total
Use. or
Loss of the vehicle actual and reasonable costs of repair and/or
b) Being driven by or is for the purpose of being driven by him/her in the replacement of parts lost/damaged subject to depreciation as per limits
charge of any person other than a Driver as stated in the Driver’s Clause. specified.
4. a) Any accidental loss or damage to any property whatsoever or any loss or 4. The insured shall take all reasonable steps to safeguard the vehicle from loss
expense whatsoever resulting or arising there from or any consequential or damage and to maintain it in efficient condition and the Company shall
loss have at all times free and full access to examine the vehicle or any part
thereof or any driver or employee of the insured. In the event of any accident
b) Any liability of whatsoever nature directly or indirectly caused by or
or breakdown, the vehicle shall not be left unattended without proper
contributed to by or arising from ionising radiations or contamination by
precautions being taken to prevent further damage or loss and if the vehicle
radioactivity from any nuclear fuel or from any nuclear waste from the
be driven before the necessary repairs are effected any extension of the
combustion of nuclear fuel. For the purpose of this exception
damage or any further damage to the vehicle shall be entirely at the insured’s
combustion shall include any self-sustaining process of nuclear fission.
own risk.
5. Any accidental loss or damage or liability directly or indirectly caused by or
5. The Company may cancel the policy by sending seven days notice by
contributed to by or arising from nuclear weapons material.
recorded delivery to the insured at insured’s last known address and in such
6. Any accidental loss damage and/or liability directly or indirectly or event will return to the insured the premium paid less the pro rata portion
proximately or remotely occasioned by contributed to by or traceable to or thereof for the period the Policy has been in force or the policy may be
arising out of or in connection with war, invasion, the act of foreign enemies, cancelled at any time by the insured on seven days. notice by recorded
hostilities or warlike operations (whether before or after declaration of war) delivery and provided no claim has arisen during the currency of the policy,
civil war, mutiny rebellion, military or usurped power or by any direct or the insured shall be entitled to a return of premium less premium at the
indirect consequence of any of the said occurrences and in the event of any Company’s Short Period rates for the period the Policy has been in force.
claim hereunder the insured shall prove that the accidental loss damage Return of the premium by the company will be subject to retention of the
and/or liability arose independently of and was in no way connected with or minimum premium of `100/- (or ` 25/-in respect of vehicles specifically
occasioned by or contributed to by or traceable to any of the said designed/modified for use by blind/handicapped/ mentally challenged
occurrences or any consequences thereof and in default of such proof, the persons) per year. Where the ownership of the vehicle is transferred, the
Company shall not be liable to make any payment in respect of such a claim. policy cannot be cancelled unless evidence that the vehicle is insured
elsewhere is produced.
DEDUCTIBLE
6. If at the time of occurrence of an event that gives rise to any claim under this
The Company shall not be liable for each and every claim under Section -I (loss of
policy there is in existence any other insurance covering the same liability,
or damage to the vehicle insured) of this Policy in respect of the deductible stated
the Company shall not be liable to pay or contribute more than its ratable
in the schedule.
proportion of any compensation, cost or expense.
CONDITIONS
7. If any dispute or difference shall arise as to the quantum to be paid under this
This Policy and the Schedule shall be read together and any word or expression policy (liability being otherwise admitted), such difference shall independent
to which a specific meaning has been attached in any part of this Policy or of the of all other questions be referred to the decision of a sole arbitrator to be
Schedule shall bear the same meaning wherever it may appear. 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
1. Notice shall be given in writing to the Company immediately upon the
shall be referred to a panel of three arbitrators comprising two arbitrators
occurrence of any accidental loss or damage in the event of any claim and
one to be appointed by each of the parties to the dispute/difference, and a
thereafter the insured shall give all such information and assistance as the
third arbitrator to be appointed by such two arbitrators who shall act as the
Company shall require. Every letter claim writ summons and/or process or
presiding arbitrator and Arbitration shall be conducted under and in
copy thereof shall be forwarded to the Company immediately on receipt by
accordance with the provisions of the Arbitration and Conciliation Act, 1996.
the insured. Notice shall also be given in writing to the Company
immediately the insured shall have knowledge of any impending It is clearly agreed and understood that no difference or dispute shall be
prosecution, inquest or fatal inquiry in respect of any occurrence which may referable to Arbitration as hereinbefore provided, if the Company has
give rise to a claim under this Policy. In case of theft or criminal act which disputed or not accepted liability under or in respect of this policy.

It is hereby expressly stipulated and declared that it shall be condition IMT. 2. AGREED VALUE CLAUSE (APPLICABLE ONLY TO VINTAGE CARS)
precedent to any right of action or suit upon this policy that the award by
It is hereby declared and agreed that in case of TOTAL LOSS/CONSTRUCTIVE
such arbitrator/arbitrators of the amount of the loss or damage shall be first
TOTAL LOSS of the Vintage Car insured hereunder due to a peril insured against,
obtained.
the amount payable will be the Insured’s Declared Value (IDV) of the vehicle as
It is also hereby further expressly agreed and declared that if the Company mentioned in the Policy without deduction of any depreciation.
shall disclaim liability to the insured for any claim hereunder and such claim
It is further declared and agreed that in case of partial loss to the vehicle,
shall not, within twelve calendar months from the date of such disclaimer
depreciation on parts replaced will be as stated in Section I of the Policy.
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 Subject otherwise to the terms exceptions conditions and limitations of this
thereafter be recoverable hereunder. Policy.
8. The due observance and fulfillment of the terms, conditions and IMT. 3. TRANSFER OF INTEREST
endorsements of this Policy in so far as they relate to anything to be done or
It is hereby understood and agreed that as from ...../...../......... the interest in the
complied with by the insured and the truth of the statements and answers in
policy is transferred to and vested in .......of ....... carrying on or engaged in the
the said proposal shall be conditions precedent to any liability of the
business or profession of ...... who shall be deemed to be the insured and whose
Company to make any payment under this Policy.
proposal and declaration dated ....../........./............. shall be deemed to be
9. In the event of the death of the sole insured, this policy will not immediately incorporated in and to be the basis of this contract.
lapse but will remain valid for a period of three months from the date of the
Provided always that for the purpose of the No Claim Bonus, no period during
death of insured or until the expiry of this policy (whichever is earlier). During
which the interest in this policy has been vested in any previous Insured shall
the said period, legal heir(s) of the insured to whom the custody and use of
accrue to the benefit 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. Subject otherwise to the terms exceptions conditions and limitations of this
Where such legal heir(s) desire(s) to apply for transfer of this policy or obtain policy.
a new policy for the vehicle such heir(s) should make an application to the
IMT. 4. Change of Vehicle
Company accordingly within the aforesaid period. All such applications
should be accompanied by:- It is hereby understood and agreed that as from ....../........./............. the vehicle
bearing Registration Number ...... is deemed to be deleted from the Schedule of
a. Death Certificate in respect of the insured
the Policy and the vehicle with details specified hereunder is deemed to be
b. Proof of title to the vehicle Original Policy. included therein:
NO CLAIM BONUS : Regd Engine/ Make Type of C.C. Year of Seating Capacity IDV
No. Chassis No. Body Manufacture Including Driver
No Claim Bonus, wherever applicable, will be as per the following table,
ALL TYPES OF VEHICLES % OF DISCOUNT ON
OWN DAMAGE PREMIUM
No claim made or pending during the 20%
preceding full year of insurance
In consequence of this change, an extra/refund premium of ` ............ is
preceding 2 consecutive years of insurance
charged/allowed to the insured. Subject otherwise to the terms exceptions
No claim made or pending during the 35% conditions and limitations of this Policy.
IMT. 5. HIRE PURCHASE AGREEMENT
It is hereby understood and agreed that .................. (hereinafter referred to as
the Owners) are the Owners of the vehicle insured and that the vehicle insured is
No claim made or pending during the 50% subject of an Hire Purchase Agreement made between the Owners on the one
preceding 5 consecutive years of insurance part and the insured on the other part and it is further understood and agreed that
the Owners are interested in any monies which but for this Endorsement would
Sunset Clause : If at the renewal falling due any time between 1st July 2002 and
be payable to the insured under this policy in respect of such loss or damage to
30th June 2003, both days inclusive, (after completion of the full policy period of
the vehicle insured as cannot be made good by repair and/or replacement of
12 months) an insured becomes entitled to an NCB of 55% or 65% in terms of the
parts and such monies shall be paid to the Owners as long as they are the
Tariff prevailing prior to 1st July 2002, the entitlement of such higher percentage
Owners of the vehicle insured and their receipt shall be a full and final discharge
of NCB will remain protected for all subsequent renewals till a claim arises under
to the insurer in respect of such loss or damage.
the policy, in which case the NCB will revert to ‘Nil’ at the next renewal.
Thereafter, NCB if any earned, will be in terms of the above table. It is further declared and agreed that for the purpose of the Personal Accident
Cover for the owner-driver granted under this policy, the insured named in the
INDIA MOTOR TARIFF – ENDORSEMENTS
policy will continue to be deemed as the owner-driver subject to compliance of
IMT. 1. Extension of Geographical Area provisions of the policy relating to this cover.
In consideration of the payment of an additional premium of ` ....................it is Save as by this Endorsement expressly agreed nothing herein shall modify or
hereby understood and agreed that notwithstanding anything contained in this affect the rights and liabilities of the insured or the insurer respectively under or
Policy to the contrary the Geographical Area in this Policy shall from the in connection with this Policy. Subject otherwise to the terms exceptions
... /... /....... to the ... /... /.......(both days inclusive) be deemed to include.* conditions and limitations of this policy.
It is further specifically understood and agreed that such geographical extension IMT. 6. LEASE AGREEMENT
excludes cover for damage to the vehicle insured/ injury to its occupants/third
It is hereby understood and agreed that .............. (hereinafter referred to as the
party liability in respect of the vehicle insured during sea voyage/air passage for
Lessors) are the Owners of the vehicle insured and that the vehicle insured is the
the purpose of ferrying the vehicle insured to the extended geographical area.
subject of a Lease Agreement made between the Lessor on the one part and the
Subject otherwise to the terms exceptions conditions and limitations of this insured on the other part and it is further understood and agreed that the Lessors
Policy. are interested in any monies which but for this Endorsement would be payable to
the insured under this policy in respect of such loss or damage to the vehicle
NOTE : Insert Nepal/ Sri Lanka/Maldives/Bhutan/ Pakistan/Bangladesh as the
insured as cannot be made good by repair and/or replacement of parts and such
case may be.

monies shall be paid to the Lessors as long as they are the Owners of the vehicle IMT. 10. INSTALLATION OF ANTI-THEFT DEVICE (Not applicable to
insured and their receipt shall be a full and final discharge to the insurer in respect Motor Trade Policies)
of such loss or damage. It is also understood and agreed that notwithstanding
In consideration of certification by .......* that an Anti-Theft device approved by
any provision in the Leasing Agreement to the contrary, this policy is issued to
Automobile Research Association of India (ARAI), Pune has been installed in the
the insured namely ...... as the principal party and not as agent or trustee and
vehicle insured herein a premium discount of `...............................** is hereby
nothing herein contained shall be construed as constituting the insured an agent
allowed to the insured.
or trustee for the Lessors or as an assignment (whether legal or equitable) by the
insured to the Lessors, of his rights benefits and claims under this policy and It is hereby understood and agreed that the insured shall ensure at all times that
further nothing herein shall be construed as creating or vesting any right in the this Anti-theft device installed in the vehicle insured is maintained in efficient
Owner/Lessor to sue the insurer in any capacity whatsoever for any alleged condition till the expiry of this policy. Subject otherwise to the terms, exceptions,
breach of its obligations hereunder. conditions and limitations of the policy
It is further declared and agreed that for the purpose of the Personal Accident * The name of the certifying Automobile Association is to be inserted.
Cover for the owner-driver granted under this policy, the insured named in the
** Premium discount calculated as per tariff provision is to be inserted. For mid-
policy will continue to be deemed as the owner-driver subject to compliance of
term certification of installation of Anti Theft device pro-rata proportion of tariff
provisions of the policy relating to this cover.
discount for the unexpired period is to be inserted.
Save as by this Endorsement expressly agreed nothing herein shall modify or
IMT. 11. A. VEHICLES LAID UP ( Lay up period declared )
affect the rights and liabilities of the insured or the insurer respectively under or
in connection with this Policy. Subject otherwise to the terms exceptions Notwithstanding anything to the contrary contained herein it is hereby
conditions and limitations of this policy. understood and agreed that from ........ /......... /........... to ........ /......... /...........
the vehicle insured is laid up in garage and not in use and during this period all
IMT. 7. Vehicles subject to Hypothecation Agreement
liability of the insurer under this policy in respect of the vehicle insured is
It is hereby declared and agreed that the vehicle insured is pledged suspended SAVE ONLY IN RESPECT OF LOSS OR DAMAGE TO THE SAID
to/hypothecated with................... (hereinafter referred to as the Pledgee) and it VEHICLE CAUSED BY FIRE EXPLOSION SELF-IGNITION OR LIGHTNING OR
is further understood and agreed that the Pledgee is interested in any monies BURGLARY, HOUSEBREAKING, THEFT OR RIOT STRIKE MALICIOUS DAMAGE
which but for this Endorsement would be payable to the insured under this policy TERRORISM OR STORM TEMPEST FLOOD INUNDATION OR EARTHQUAKE
in respect of such loss or damage to the vehicle insured as cannot be made good
PERILS, in consideration whereof
by repair and/or replacement of parts and such monies shall be paid to the
Pledgee as long as they are the Pledgee of the vehicle insured and their receipt 1. # The insurer will deduct from the next renewal premium the sum of
shall be a full and final discharge to the insurer in respect of such loss or damage. `..........................* and the No Claim Bonus (if any) shall be calculated on
the next renewal premium after deduction of such sum.
It is further declared and agreed that for the purpose of the Personal Accident
Cover for the owner-driver granted under this policy, the insured named in the 2. # The period of insurance by this policy is extended to ........ /......... /...........
policy will continue to be deemed as the owner-driver subject to compliance of in view of the payment of an additional premium of `...............................**
provisions of the policy relating to this cover.
Subject otherwise to the terms exceptions conditions and limitations of this
Save as by this Endorsement expressly agreed that nothing herein shall modify policy.
or affect the rights or liabilities of the Insured or the Insurer respectively under or
NB.1. # To delete (a) or (b) as per option exercised by the insured.
in connection with this Policy or any term, provision or condition thereof.
NB.2. *The proportionate full policy premium for the period of lay up less
the proportionate premium for the Fire and/or Theft risks for the lay
policy.
up periods is to be inserted.
IMT. 8. DISCOUNT FOR MEMBERSHIP OF RECOGNISED AUTOMOBILE
NB.3 ** The proportionate premium required for Fire and/or Theft cover for
ASSOCIATIONS (PRIVATE CARS AND MOTORISED TWO WHEELERS ONLY)
the vehicle for the laid up period is to be inserted.
It is hereby understood and agreed that in consideration of insured’s
NB.4. In case of Liability Only Policies the words in CAPITALS should be
membership of ......** a discount in premium of ` ....................* is allowed to the
deleted.
insured hereunder from ... /... /.......
NB.5. In case of policies covering Liability Only and
It is further understood and agreed that if the insured ceases to be a member of
the above mentioned association during the currency of this Policy the insured 1. Fire risks, the words ‘BURGLARY HOUSEBREAKING OR THEFT’ are to be
shall immediately notify the insurer accordingly and refund to the insurer a deleted;
proportionate amount of the discount allowed on this account for the unexpired
2. Theft risks, the words ‘FIRE EXPLOSION SELF IGNITION OR LIGHTNING’ are
period of the cover.
to be deleted.
Subject otherwise to the terms exceptions conditions and limitations of the
3. Fire and Theft risks no part of the words in capitals are to be deleted.
policy
IMT. 11. B. VEHICLES LAID UP ( Lay up period not declared )
* For full policy period, the full tariff discount to be inserted. For mid-term
membership, prorata proportion of the tariff discount for the unexpired policy Notwithstanding anything to the contrary contained herein it is hereby
period is to be inserted. understood and agreed that as from ........ /......... /........... the vehicle no.
........... insured hereunder is laid up in garage and not in use and liability of the
** Insert name of the concerned Automobile Association.
insurer under this policy in respect of the said vehicle is suspended SAVE ONLY
IMT. 9. DISCOUNT FOR VINTAGE CARS (Applicable to Private Cars only) IN RESPECT OF LOSS OR DAMAGE TO THE SAID VEHICLE CAUSED BY FIRE
EXPLOSION SELF-IGNITION OR LIGHTNING OR BURGLARY,
It is hereby understood and agreed that in consideration of the insured car having
HOUSEBREAKING, THEFT OR RIOT STRIKE MALICIOUS DAMAGE TERRORISM
been certified as a Vintage Car by the Vintage and Classic Car Club of India, a
OR STORM TEMPEST FLOOD INUNDATION OR EARTHQUAKE PERILS.
discount of ` ......................* is allowed to the insured from ......../......... /...........
Policy.
policy
NB.1. In case of Liability Only Policies the words in CAPITALS should be
*Amount calculated as per tariff provision is to be inserted. For mid-term
deleted.
certification as Vintage Car pro-rata proportion of tariff discount for the
unexpired period is to be inserted. NB.2. In case of policies covering Liability Only and

1. Fire risks, the words ‘BURGLARY HOUSEBREAKING OR THEFT’ are to be 2. The reasonable cost of fitting such parts.
deleted;
Subject otherwise to the terms conditions limitations and exceptions of this
2. Theft risks, the words ‘FIRE EXPLOSION SELF IGNITION OR LIGHTNING’ are Policy.
to be deleted.
*Insert ‘Condition 3’ in the case of the Private Car and Motorsied Two
3. Fire and Theft risks no part of the words in capitals are to be deleted. Wheeler Policies and ‘Condition 4’ in the case of Commercial Vehicles Policy.
IMT. 11. C. TERMINATION OF THE UNDECLARED PERIOD OF VEHICLE LAID UP IMT. 22. COMPULSORY DEDUCTIBLE
It is hereby understood and agreed that the insurance by this Policy in (Applicable to Private Cars, three wheelers rated as private cars, all motorized
respect of vehicle no. ..... insured hereunder is reinstated in full from two wheelers, taxis, private car type vehicle plying for public/private hire,
........ /......... /........... and the Endorsement IMT 11(B) attaching to this policy private type taxi let out on private hire)
shall be deemed to be cancelled. It is further agreed that in consideration of the
Notwithstanding anything to the contrary contained in the policy it is hereby
period during which the vehicle no. ......... has been out of use
understood and agreed that the insured shall bear under Section 1 of the policy in
1. # The insurer will deduct from the next renewal premium the sum of respect of each and every event (including event giving rise to a total
`.........................* and the No Claim Bonus (if any) shall be calculated on the loss/constructive total loss) the first `.............................* (or any less
next renewal premium after deduction of such sum. expenditure which may be incurred) of any expenditure for which provision has
been made under this policy and/or of any expenditure by the insurer in the
2. # The period of insurance by this policy is extended to ..../..../....... in view of
exercise of his discretion under Condition no ...........** of this policy.
the payment of an additional premium of `...............................**
If the expenditure incurred by the insurer shall include any amount for which the
insured is responsible hereunder such amount shall be repaid by the insured to
policy.
the insurer forthwith.
NB.1. # To delete (a) or (b) as per option exercised by the insured.
For the purpose of this Endorsement the expression .event. shall mean an event
NB.2. * The proportionate full policy premium for the period of lay up less the or series of events arising out of one cause in connection with the vehicle insured
proportionate premium for the Fire a nd /or Theft risks for the lay up in respect of which indemnity is provided under this policy.
periods is to be inserted.
NB.3 ** The proportionate premium required for Fire and/or Theft cover for Policy.
the vehicle for the laid-up period is to be inserted.
*1. To insert amount as appropriate to the class of vehicle insured as per GR.40
IMT. 12. DISCOUNT FOR SPECIALLY DESIGNED/MODIFIED VEHICLES FOR of the tariff.
THE BLIND, HANDICAPPED AND MENTALLY CHALLENGED PERSONS.
2. In respect of a vehicle rated under the Tariff for Private Car and in respect of a
Notwithstanding anything to the contrary contained in the policy it is hereby motorised two wheeler not carrying passengers for hire or reward, if any
understood and agreed that the vehicle insured being specially designed deductible in addition to the compulsory deductible provided in this
endorsement is voluntarily borne by the insured, the sum representing the
/modified for use of blind, handicapped and mentally challenged persons and
aggregate of the compulsory and the voluntary deductibles is to be inserted.
suitable endorsement to this effect having been incorporated in the Registration
Book by the Registering Authority, a discount of 50% on the Own Damage ** To insert Condition no 3 in respect of a vehicle rated under Tariff for Private
premium for the vehicle insured is hereby allowed to the insured. Car/Two wheelers or Condition no 4 in respect of a vehicle rated under the Tariff
for Commercial Vehicles.
policy. IMT. 22. A. VOLUNTARY DEDUCTIBLE
IMT. 13. USE OF VEHICLE WITHIN INSURED’S OWN PREMISES (For private cars/motorized two wheelers other than for hire or reward)
(Applicable to all classes except as otherwise provided in the tariff) It is by declared and agreed that the insured having opted a voluntary deductible
of `.......................* a reduction in premium of `............................** under
It is hereby understood and agreed that the insurer shall not be liable in respect of
Section 1 of the policy is hereby allowed.
the vehicle insured while the vehicle is being used elsewhere than in the
insured’s premises except where the vehicle is specifically required for a In consideration of the above, it is hereby understood and agreed that the insured
mission to fight a fire. shall bear under Section 1 Of the policy in respect of each and every event
(including event giving rise to a total loss/constructive total loss ) the first
For the purposes of this endorsement ‘Use confined to own premises’ shall mean
`.............................*** (or any less expenditure which may be incurred) of any
use only on insured’s premises to which public have no general right of access.
expenditure for which provision has been made under this policy and/or of any
IMT. 19. COVER FOR VEHICLES IMPORTED WITHOUT CUSTOMS DUTY expenditure by the insurer in the exercise of his discretion under Condition no
...# of this policy.
Notwithstanding anything to the contrary contained in this policy it is hereby
understood and agreed that in the event of loss or damage to the vehicle insured If the expenditure incurred by the insurer shall include any amount for which the
and/or its accessories necessitating the supply of a part not obtainable from insured is responsible hereunder such amount shall be repaid by the insured to
stocks held in the country in which the vehicle insured is held for repair or in the the insurer forthwith.
event of the insurer exercising the option under ...., * to pay in cash the amount of
For the purpose of this Endorsement the expression event shall mean an event or
the loss or damage the liability of the insurer in respect of any such part shall be
series of events arising out of one cause in connection with the vehicle insured in
limited to :-
respect of which indemnity is provided under this policy.
1. a) The price quoted in the latest catalogue or the price list issued by the
Manufacturer or his Agent for the country in which the vehicle
Policy.
insured is held for repair less depreciation applicable; OR
* To insert voluntary deductible amount opted by the insured under tariff
b) If no such catalogue or price list exists the price list obtaining at the
for Private car/tariff for motorised two wheeler.
Manufacturer’s Works plus the reasonable cost of transport otherwise
than by air to the country in which the vehicle insured is held for repair ** To insert appropriate amount relating to the voluntary deductible opted
and the amount of the relative import duty less depreciation applicable as per the provision of tariff for Private car/tariff for motorised two
under the Policy; and wheelers.

*** To insert aggregate amount of voluntary deductible opted and the NB. (ii). In case of Liability and Theft Risks only, the words ‘fire explosion self
compulsory deductible applicable to the vehicle insured as in G.R. 40. ignition lightning riot strike malicious damage terrorism storm tempest
flood inundation and earthquake perils’ are to be deleted.
# To insert policy condition No. 3 of the tariff for private car/tariff for
motorised two wheelers. IMT. 30. TRAILERS. (Applicable to Private Cars Only)
IMT. 24. ELECTRICAL / ELECTRONIC FITTINGS In consideration of the payment of an additional premium it is hereby understood
and agreed that the indemnity granted by this policy shall extend to apply to the
(Items fitted in the vehicle but not included in the manufacturer’s listed selling
Trailer (Registration No..............). Provided always that
price of the vehicle. Package Policy only)
*1. the IDV of such Trailer shall be deemed not to exceed ......* *
In consideration of the payment of additional premium of `............................,
notwithstanding anything to the contrary contained in the policy it is hereby 2. the term ‘Trailer’ shall not include its contents or anything contained thereon.
understood and agreed that the insurer will indemnify the insured against loss of
3. such indemnity shall not apply in respect of death or bodily injury to any
or damage to such electrical and/ or electronic fitting(s) as specified in the
person being conveyed by the said Trailer otherwise than by reason of or in
schedule whilst it/these is/are fitted in or on the vehicle insured where such loss
pursuance of a contract of employment.
or damage is occasioned by any of the perils mentioned in Section.1 of the
policy. Subject otherwise to the terms, conditions limitations and exceptions of this
Policy.
The insurer shall, however, not be liable for loss of or damage to such fitting(s)
caused by/as a result of mechanical or electrical breakdown. * Delete in the case of Liability to the public Risks only policies.
Provided always that the liability of the insurer hereunder shall not exceed the ** Insert value of trailer as declared at inception of insurance or any renewal
Insured’s Declared Value (IDV) of the item. Subject otherwise to the terms thereof.
conditions limitations and exceptions of this Policy.
IMT. 31. RELIABILITY TRIALS AND RALLIES [Private Cars and Motorised
IMT. 25. CNG/LPG KIT IN BI-FUEL SYSTEM (Own Damage cover for the kit) Two Wheelers]
In consideration of the payment of premium of `.............................* In consideration of the payment of an additional premium it is hereby understood
notwithstanding anything to the contrary contained in the policy it is hereby and agreed that the indemnity granted by this Policy is extended to apply whilst
understood and agreed that the insurer will indemnify the insured in terms the vehicle insured is engaged in .......... ......*. to be held at ....**... on or about
conditions limitations and exceptions of Section1 of the policy against loss the date of ......../........./............ under the auspices of ....... ..............#
and/or damage to the CNG/LPG kit fitted in the vehicle insured arising from an
Provided that:-
accidental loss or damage to the vehicle insured, subject to the limit of the
Insured’s Declared Value of the CNG/LPG kit specified in the Schedule of the 1. No indemnity shall be granted by this Endorsement to ......... #
policy.
2. This Policy does not cover use for organised racing, pace making or speed
Subject otherwise to the terms conditions limitations and exceptions of this testing.
Policy.
3. During the course of the .......* the Insurer shall not be liable in respect of
* To insert sum arrived at in terms of G.R.42. death of or bodily injury to any person being carried in or upon or entering or
getting on to or alighting from the vehicle insured at the time of the
IMT. 26. FIRE AND/OR THEFT RISKS ONLY (Not applicable for
occurrence of the event out of which any claim arises.
Miscellaneous and Special Types of vehicles ratable under Class-D and
Motor Trade Policies under Classes-E, F and G of the Commercial Vehicles # # It is further understood and agreed that while the vehicle insured is engaged
Tariff) in ...........* the insured shall bear the first `..............................@ (or any less
amount for which the claim may be assessed) of each and every claim under
Section I of this Policy.
understood and agreed that Section II of the Policy is deemed to be cancelled and
under Section I thereof the insurer shall only be liable to indemnify the insured Provided that if the insurer shall make any payment in exercise of its discretion
against loss or damage by fire explosion self ignition lightning and/or burglary under Condition No. 3 of the policy in settlement of any claim and such payment
housebreaking theft and riot strike malicious damage terrorism storm tempest includes the amount for which the insured is responsible by reason of this
flood inundation and earthquake perils whilst the vehicle is laid up in garage and Endorsement the insured shall repay to the insurer forthwith the amount for
not in use. which the insured is so responsible.
Subject otherwise to the terms conditions limitations and exceptions of this For the purpose of this Endorsement the expression claim shall mean a claim or
Policy. series of claims arising out of one event.
NB. (I). In case of Fire Risk only, the words ‘burglary housebreaking theft’ are to Subject otherwise to the terms conditions limitations and exceptions of this
be deleted. Policy.
NB. (ii) In case of Theft Risk only, the words ‘fire explosion self ignition lightning *To insert the name of the event @ To insert ` 5000/- for Private cars or ` 2500/-
riot strike malicious damage terrorism storm tempest flood inundation and for motorised two wheelers. For the duration of the event the deductible under
earthquake perils’ are to be deleted. Section 1 of the policy for the purpose of IMT 22 will be the amount stated in IMT
22 or the amount stated herein, whichever is higher.
IMT. 27. LIABILITY AND FIRE AND/OR THEFT (Not applicable for
Miscellaneous and Special Types of vehicles rateable under Class of the ** To insert the venue of the event.
Tariff for Commercial Vehicles)
# To insert the name of the promoters of the event.
# # To delete this entire paragraph in case of Liability Only policies.
understood and agreed that Section I of the Policy the insurer shall not be liable
there under except in respect of loss or damage by fire explosion self ignition IMT. 49. EXCLUSION OF LIABILITY TO THE PUBLIC WORKING RISK (Except
lightning and/or burglary housebreaking theft and riot strike malicious damage as required by the Motor Vehicle Act, 1988)
terrorism storm tempest flood inundation and earthquake perils.
It is hereby declared and agreed that except so far as is necessary to meet the
Subject otherwise to the terms conditions limitations and exceptions of the requirements of the Motor Vehicles Act, 1988, the Insurer shall be under no
Policy. liability under Section II of this Policy in respect of liability incurred by the Insured
arising out of the operation as a tool of the Motor Vehicle or of plant forming part
NB. (I). In case of Liability and Fire Risks only, the words ‘burglary
of the Motor Vehicle or attached thereto.
housebreaking theft’ are to be deleted.
IMT. 53. SPECIFIED ATTACHMENTS (Special Type Vehicles)

It is hereby declared and agreed that while any attachment in the under noted • Pay the lump-sum amount as stated in the schedule, in the event of Total
.Schedule of attachments. is attached to the Motor Vehicle or is detached and loss/Constructive Total Loss of the Insured’s vehicle
out of use the indemnity provided by this Policy shall apply in respect of any such
Provided always that:
attachment as though it were the Motor Vehicle and had set against it in the
Schedule the value set against it in the under noted. 1. Such claim is admitted by the Company under Section I -“Loss or Damage
to the Vehicles Insured” of the Policy
Schedule of Attachments
2. The insured vehicle has been under repair for a minimum number of days, as
Schedule of Trailers
stated in the schedule, post which the claim under this add-on will be
* Description Insured’s Declared value (IDV) payable from the day such vehicle was delivered to the garage
* Insert make, number or some other means of identification. 3. In case of theft of the vehicle, the vehicle is not recovered within 90 days
from the day of the theft.
NOTE: In the case of pedestrian controlled tractors insert in ‘Description’ in the
Schedule of Attachments “any standard attachment of the ... Tractor supplied by 4. Not more than three claims will be payable under this add-on
the makers”.
5. Claim under this add-on is intimated to the Company within 24 hours of loss
Add-on for Stand-Alone Own Damage Private Car Insurance Policy or damage
Zero Depreciation 6. Claim under this add-on is serviced in the authorized garages of the
Company
UIN: IRDAN115RP0001V01201920/A0035V01201819
7. The duration for which the Insured’s vehicle is under repair in a garage due to
In consideration of the payment of an additional premium as specified and
loss/damage to the vehicle, and for which the Company will be liable for
shown in the policy schedule, the Company hereby undertakes to deduct no
claim in respect of this add-on will be reckoned from the day after the insured
amounts for depreciation in case of parts replaced on account of damage to the
vehicle is delivered to the Garage till the day immediately preceding the date
vehicle insured and/or to its accessories, arising out of any peril as covered
of discharge or date of invoice for such repair as prepared by the garage,
under the Policy.
whichever is earlier
Provided always that
a) The company will not be liable for any further payment under this add-on
1. Such claim has been admitted by the Company under Section I - “Loss or for the specific accidental loss or damage once the vehicle is removed
Damage to the Vehicles Insured” of the Policy, from the garage
2. This add-on shall not be applicable in the event of Total Loss/ Constructive 8. Company will not be liable for any delays on account of-
Total Loss of the vehicle insured under the Policy,
a) Delay of more than 24 hours, in delivering insured vehicle to the garage
3. The Insured shall be liable for the Voluntary Deductible* amount, as opted by from the time of occurrence of accidental damage or loss
the Insured for this add-on, for each and every claim payable under this add-
b) Non-availability of spare parts required for repair
on,
Subject otherwise to the terms, conditions and limitations of the Policy.
*Insured can opt for a Voluntary Deductible specifically for this add-on, which
will be over and above the deductible applied under the basic Policy. In such a NCB Protect
case, the discount will be provided in the premium calculated for this add-on.
UIN: IRDAN115RP0001V01201920/A0038V01201819
Subject otherwise to the terms, exceptions, conditions and limitations of this
Notwithstanding anything to the contrary contained in the Policy and in
Policy.
consideration of the payment of an additional premium of Rs___________ by
Consumables Items the Insured, it is hereby agreed and declared that the Insured will be entitled to
No Claims Bonus as per the following Table 1, under Section I – “Loss or Damage
UIN: IRDAN115RP0001V01201920/A0008V01201920
to the Vehicles Insured” of the Policy.
In consideration of the payment of an additional premium of Rs___________ by
Table 1: Table of NCB Benefits
the Insured, it is hereby agreed and declared that notwithstanding anything to
the contrary contained in the Policy the Company hereby extends the Policy to Plan 1 - One Step Down
cover expenses incurred by the Insured on the Consumable Items in the event of
NCB Benefit in the event of XX claims
damage to the vehicle insured and/or to its accessories, arising out of any peril
in the current policy period
as covered under the Policy.
Number of prior claim free XX = 0 XX = 1 XX = 2 XX = 3
For the purpose of this endorsement, Consumable Items shall mean those
policy years
articles or substances which have specific uses and when applied to their
respective uses are either consumed totally or are rendered unfit for continuous 0 20% 0% 0% 0%
and permanent use.
1 25% 20% 0% 0%
Such Consumable Items will include nut and bolt, screw, washers, grease,
2 35% 25% 20% 0%
lubricants clip, ac gas, bearings, distilled water, engine oil, oil filter, fuel filter,
break oil and the like. 3 45% 35% 25% 20%
Subject otherwise to the terms, exceptions, conditions and limitations of this Policy. 4 and above 50% 45% 35% 25%
Garage Cash Plan 2- Two Step Down
UIN: IRDAN115RP0001V01201920/A0037V01201819 NCB Benefit in the event of XX claims
in the current policy period
shown in the policy schedule, the Company hereby undertakes to: Number of prior claim free XX = 0 XX = 1 XX = 2 XX = 3
policy years
• Pay a daily allowance, as stated in the schedule, to the Insured for each and
every completed day for which the Insured’s vehicle is under repair in a 0 20% 0% 0% 0%
garage, due to loss/damage to the vehicle on account of a peril covered
1 25% 0% 0% 0%
under the Policy, subject to the maximum number of days as specified in the
schedule 2 35% 20% 0% 0%
UIN: IRDAN115RP0001V02201920
3 45% 25% 20% 0%
4 and above 50% 35% 25% 20%
-7- CIN: L67200MH2000PLC129408
Insured shall not be entitled to any No Claim Bonus, if more than three claims are Box Parts and/or Differential Parts leading to oil leakage and resulting into
lodged by the Insured during the same Policy Period under Section I – “Loss or damage to covered parts as mentioned above.
Damage to the Vehicles Insured” of the Policy.
6. The Company would not be liable for:
Insured shall not be entitled to any No Claim Bonus, if more than three claims are
a) Any claims where the subject matter of claims is covered under any other
lodged by the Insured during the same Policy Period under Section I – “Loss or
type of insurance policy with any other insurer or manufacturer’s
Damage to the Vehicles Insured” of the Policy.
warranty including recall campaign or under any other such packages at
Subject otherwise to the terms, exceptions, conditions and limitations of this the same time.
Policy.
b) Cost of lubricants in case of loss due to leakage and flushing of consumables.
Return to Invoice
c) Any claim which is intimated to the Company after 30 days of the happening
UIN: IRDAN115RP0001V01201920/A0036V01201819 of loss or damage.
In consideration of the payment of an additional premium as specified and d) Any claim where the repair has been carried out without prior approval from
shown in the policy schedule, the Company hereby undertakes to pay the Sum the Company
Insured under this add-on, determined as the difference between the Insured’s
e) Any claims related to loss or damage due to wear and tear
Declared Value (IDV) of the insured vehicle and the total actual expenses
incurred towards acquisition of a new vehicle of similar make and model to the Road Side Assistance
insured, as specified in the on-road price listed by the manufacturer/Dealer upon
UIN: IRDAN115RP0001V01201920/A0039V01201819
the occurrence of Total Loss/ Constructive Total Loss as defined in the Policy
shown in the policy schedule, the Company hereby undertakes to provide the
On-road price means the actual expense incurred towards acquisition of a new Insured, upon his request, with a maximum of four claims related to any one or
vehicle and includes the value of factory fitted accessories or car dealer more of the following emergency assistance services in any area where the
accessories at the time of purchase. On road price will also include any amount Company has its presence through its network garages or through the network
paid towards registration of the insured Vehicle, road tax and cost of insuring the of the service provider:
vehicle.
1. Towing on breakdown/accident: In the event of the Insured’s vehicle being
In case of obsolete models, the last selling price of the vehicle will be immobilized or rendered unfit for the purpose of driving on the road, the
considered to pay the Sum Insured under this add-on Company would provide appropriate towing services to the nearest garage
(within a radius of 50 kms from the location of the breakdown/accident),
Subject otherwise to the terms, exceptions, conditions and limitations of this
provided always that any charges for a distance beyond the one mentioned
Policy.
herein shall be borne by the Insured.
Engine Protect Plus
2. Breakdown support over phone: In the event of minor mechanical
UIN: IRDAN115RP0001V01201920/A0009V01201920 errors/faults/non-functioning of the Insured’s vehicle or any part thereof, the
Company would provide the Insured with telephonic assistance to come up
with solutions for such minor mechanical errors/faults/non- functioning of
shown in the policy schedule, the Company hereby undertakes to indemnify the
the Insured’s vehicle.
Insured for expenses incurred in repair or replacement due to consequential
damages arising out of water ingression/leakage of lubricating oil leading to loss 3. Arrangement/Supply of fuel: In the event of the Insured’s vehicle being
or damage to: immobilized due to emptying of fuel tank, the Company would arrange for
supply of up to five liters of fuel, at the location of the breakdown. Provided
• Engine Parts
always that all labor costs and conveyance costs would be borne by the
• Differential Parts Company and all expenses on fuel would be borne by the Insured.
• Gear Box Parts of the Insured’s vehicle. Provided always that: 4. Emptying of fuel tank: In the event of the fuel tank of the Insured’s vehicle
being filled with a wrong type of fuel, the Company would arrange for
1. For the purpose of this add-on, ‘Consequential Damage’ would mean “the
emptying of fuel tank with the help of appropriate technicians and if required,
damage more specifically expressed hereinabove caused to an insured
arrange for towing the Insured’s vehicle to nearest garage for the purpose of
vehicle not arising directly from an insured peril but as a direct consequence
emptying the fuel tank, provided always that all charges towards the towing
to the same”.
of the vehicle would be borne by the Insured.
2. ‘Engine Parts’ would mean all internal lubricated parts of the engine including
5. Arrangement of keys: In the event of the Insured losing the keys of the
pistons, pins and rigs, all pulleys camshaft, followers, cam bearings,
Insured’s vehicle, the Company would arrange for pick up and delivery of the
connecting rods and bearings, crankshaft and main bearings, dipstick and
spare keys of the Insured’s vehicle to the place where the Insured’s vehicle is
tube, eccentric shaft, engine heads and engine blocks, engine mounts and
located. Alternatively, the Company would provide the service of unlocking
cushions, engine torque strut, flywheel and flywheel ring gear, harmonic
the Insured’s vehicle with the help of vehicle technicians at the location of
balancer, intake and exhaust manifolds, oil pan, oil pumps, push rods, valves,
the Insured’s vehicle. Provided always that all labour and conveyance costs
springs, guides, seats, and lifters, rocker arms, shafts, and bushings, timing
would be borne by the Company and the Insured would be required to submit
covers, timing gears, chain, belt tensioners, retainers, vacuum pump, valve
an identity proof to prove his ownership of the Insured’s vehicle, before
covers, and water pumps. fuel injection pump (for diesel engines only) and
availing such service. Provided always that this service would be provided
fuel heater (for diesel engines only).
only within a range of 100 kms from the location where the loss has
3. ‘Differential Parts’ would mean all internally lubricated parts contained occurred.
within the differential housing including axle shafts, constant velocity joints,
6. Battery jump start: In the event of the Insured’s vehicle being immobilized
bearings, final drive housing, four wheel drive hubs and bearings, retainers,
due to a run down battery, the Company would arrange for a vehicle
transaxle housing and universal joints, drive shafts, hub bearings and
technician to jump start the Insured’s vehicle with appropriate means.
supports
Provided always that any cost of charging/replacement of battery would be
4. ‘Gear Box Parts’ would mean all internally lubricated parts contained within borne by the Insured and all labour and conveyance costs, towards battery
the transmission case including cooler, cooler lines, filer tubes and dipsticks, jump start assistance, would be borne by the Company.
internal linkage, mounts, oil pans, torque convertor, transfer case,
7. Message Relay: In the event of the Insured’s vehicle getting immobilized as
transmission and transfer case, transmission park base assembly, vacuum
a result of an accident and/or breakdown, the Company would arrange to
modulator, gear shafts, and gear box.
send urgent message to the specified persons, as requested by the Insured,
5. In case of an accident, payment under this add-on would be made only when through available means of communication.
there is evidence of under carriage damage to Engine Parts and/or Gear
8. Flat Tyre: In the event of the Insured’s vehicle being immobilized due to a flat 15. Accommodation Benefits: In the event of the Insured’s vehicle being
tyre, the Company would assist the Insured by: immobilized due to an accident/breakdown, the Company shall provide
occupants of the Insured vehicle with a hotel accommodation for one day,
a) Organizing for a vehicle technician to replace the flat tyre with the spare
for a maximum of ` 5000.
stepney tyre of the vehicle at the location of breakdown or in the event of
repairs not being possible at the place of breakdown Provided always that:
b) By arranging to take the flat tyre to the nearest place of repair and a) The breakdown/accident has taken place at least 100 kms away from
delivering the tyre back to the place of breakdown & attaching it to the the Insured’s place of residence, as declared by the Insured at the time of
Insured’s vehicle. Policy issuance.
Provided always that any expenses on material/spare parts and any other b) The required time of repair of the Insured vehicle exceeds 12 hours from
incidental costs, if required while carrying out the repairs, would be borne by the time of the accident/breakdown.
the Insured and the expenses on labour cost and conveyance cost, in
c) The number of individuals seated in the Insured vehicle is not more than
relation to point (a) and (b) above, would be borne by the Company.
the maximum seating capacity of the Insured vehicle.
9. Minor Repairs: In the event of the Insured’s vehicle being immobilized due
In the unlikely event of Company being unable to arrange for this service, the
to a minor mechanical/electrical fault, the Company would assist the
Company may request the Insured to arrange for accommodation on his own and
Insured by sending a vehicle technician to the location of breakdown to carry
submit the bill for the pre-authorized amount for reimbursement to the Company.
out the Minor Repairs. Provided always that
Claim under this add-on will have no impact on NO claim bonus earned on the
a) The expenses on labour cost and conveyance cost would be borne by
base comprehensive policy. NO claim bonus will remain intact even after a claim
the Company
under this add-on.
b) Minor Repairs, for the purpose of this add-on, would be defined as
The Company would not be liable for:
repairs which can be carried out at the location of breakdown/ accident,
requiring no spares and less than 45 minutes of labour time. 1. Providing the abovementioned services under conditions of earthquake,
war, invasion, rebellion, revolt, riot, civil commotion, civil war, exceptional
10. Arrangement of rental vehicle: In the event of the Insured’s vehicle being
adverse weather conditions, acts of terrorism, nuclear fission, strike, act(s)
immobilized due to a breakdown/accident, the Company would facilitate
of government(s)/government agencies/judicial/ quasi-judicial authorities.
arrangement for alternative mode of conveyance, from the place of
breakdown /accident, to the destination, as desired by the Insured at the 2. Any claims where the Insured’s vehicle is being used for the purpose of
time of breakdown/accident. The Company would intimate the Insured of all racing, rallying, motor-sports, or is not being used/driven in accordance with
charges payable to the rental vehicle and all such charges would be borne by applicable laws and regulations.
the Insured.
3. Any claim where the Insured’s vehicle can be safely transferred on its own
11. Arrangement of Accommodation: In the event of the Insured’s vehicle power to the nearest garage/workshop.
being immobilized due to a breakdown/accident, the Company would
4. Any claims triggered by theft; any kind of consequential losses.
facilitate arrangement for hotel accommodation in a place near the place of
breakdown/accident. The Company would intimate the Insured of all 5. Any loss which is covered under any other insurance policy or
charges payable for such accommodation and all such charges would be manufacturer’s warranty or recall campaign or under any other such
borne by the Insured. packages at the same time.
12. Referring a Legal Advisor: In the event of an accident involving the 6. Any expenses for supply or replacement of parts/consumables.
Insured’s vehicle as a result of which the Insured requires the services of a
7. Any loss/damage caused to the Insured’s vehicle when it is being
legal advisor, the Company would arrange for the Insured the telephonic
used/driven against the recommendations of the owner’s/manufacturer’s
contact details of an appropriate legal advisor belonging to an area as
manual.
requested by the Insured. Provided always that:
8. Any claims where services have been availed of without the prior consent of
a) The breakdown/accident has taken place atleast 50 kms away from the
the Company.
Insured’s place of residence, as per the address declared by the Insured
at the time of Policy issuance Key Protect
b) The Company would intimate the Insured of all charges payable for the (UIN: IRDAN115RP0001V01201920/A0010V01201920)
services of such legal advisor and all such charges would be borne by
the Insured.
shown in the policy schedule, the Company hereby undertakes to pay upto an
13. Referring a Hospital: In the event of an accident involving the Insured’s amount as stated in the Schedule, to indemnify the Insured for the cost incurred
vehicle as a result of which the Insured and/or any of the travelling towards repairing/replacing the car keys and / or locks and/ or lockset, including
passengers requires medical care, the Company would arrange for the the locksmith charges, upon the occurrence of theft/burglary/ loss of or damage
Insured the telephonic contact details of an appropriate hospital near the to the keys and /or lock and /or the lockset of the Insured’s vehicle, during the
location of accident. Provided always that the breakdown/accident has Policy Period.
taken place atleast 50 kms away from the Insured’s place of residence, as
per the address declared by the Insured at the time of Policy issuance.
1. Not more than two claims would be payable under this add-on for a Policy
14. Taxi Benefits: In the event of the Insured’s vehicle being immobilized due to
Period
an accident/breakdown, the Company shall provide free travel of the
occupants of the Insured vehicles upto a distance of 50 kilometers. Provided 2. A claim deductible of 1% of the admissible claim amount would apply for
always that: each claim, subject to a minimum of Rs.250.
a) The event has occurred 50kms away from the Insured’s place of 3. A claim resulting from burglary or theft is supported by a First Information
residence as declared by the Insured at the time of policy issuance. Report (FIR) with the Police
b) Any charges for a distance beyond the covered distance as stated above 4. The replaced keys/ lock/ lockset should be of same nature and kind as the
shall be borne by the Insured. one for which the claim is being made
In the unlikely event of the Company being unable to arrange for this service, 5. Any loss or damage to the keys/ lock/ lockset is reported to the Company
the Company may request the Insured to arrange for the taxi on his own and within 30 days of such loss or damage
submit the bill for the pre-authorized amount for reimbursement to the
Company.

6. Replacement of key(s) only would be done only for broken or damaged keys. belongings, including mobile phones and /or laptops, on account of damage to or
In case of theft of key(s), entire set comprising of key, lock and lockset would theft from the Insured’s Vehicle.
be replaced.
4. A deductible of Rs.500 would be applicable for each claim under this add-on,
a. Any claim within the first 5 days of the happening of loss. However, in except when the claim is being made only for mobile phones and/or laptops
cases related to theft/burglary, this exclusion would not be applicable
5. A First Investigation Report (FIR) is registered with the Police for such loss
b. Any damage/ loss to keys/lock/lockset due to malicious activities, any
deliberate or criminal act, excluding theft / burglary.
a. Any loss in open top or convertible cars unless the belongings are kept in
c. Any loss or damage to the lock or lockset prior to the loss or theft of keys
the locked boot
d. Any loss or damage to the lock only
b. Any loss of money, securities, cheques, bank drafts, credit or debit
e. Any loss or damage covered under the manufacturer’s warranty cards, jewellery, gems, stones, contact lens, glasses, travel tickets,
watches, valuables, manuscripts, paintings, work of art.
f. Any claim where the Insured is not able to provide the invoices/receipts
for the payments made c. Any loss of the personal belongings unless the Insured’s vehicle is
locked and all doors & windows are properly fastened while unattended.
g. Any loss or damage caused by radiation, radioactive contamination or
the hazardous properties of any explosive, corrosive, invasive or toxic d. Any loss of or damage to belongings carried in connection with any trade
substance or material. or business
h. Any loss or destruction of, or damage to, any part of the Insured’s vehicle e. Any theft from vehicles parked in no-parking zone and from un-attended
other than the keys of the Insured’s vehicle, its associated lock, ignition vehicle after accident
system, any immobilizer, infra-red handset and/or alarm attached to the
f. Any claim for a laptop/mobile phone not declared at the time of Policy
fob.
issuance.
i. Loss or damage caused by war, invasion, foreign enemy hostilities
g. Any claim intimated to the Company after 30 days of such loss.
(whether war is declared or not), civil war, terrorism, rebellion,
revolution, military force or coup, or the actions of any lawful h. Any amount more than the market value of the mobile phones or laptops
government or public or local authority. as stated at the time of Policy issuance, deducted appropriately for
depreciation, at the rate of 60% for laptops and 15% for mobile phones.
j. Any kind of consequential losses
under this add-on.
under this add-on.
Tyre Protect
Loss of Personal Belongings
UIN IRDAN115RP0001V01201920/A0012V01201920
(UIN: IRDAN115RP0001V01201920/A0011V01201920)
Plan A
shown in the policy schedule, the Company will cover expenses for repair and/or
In consideration of the payment of an additional premium as specified and replacement, as may be necessitated arising out of accidental loss or damage to
shown in the policy schedule, the Company hereby undertakes to indemnify the tyre(s) and/or tube(s) due to,
Insured, upto an amount as stated in the Schedule, for the loss of his personal
1. Tyre side wall indentations due to external impact
belongings on account of damage to or theft from the Insured’s vehicle.
2. Tyre burst due to incorrect air pressure
3. Damaged to tyre(s) and/or tubes due to external impact
1. A deductible of Rs.500 would be applicable for each claim under this add-on
The company will cover reimbursement of repair and/or replacement as per the
2. A First Investigation Report (FIR) is registered with the Police for such loss
scale given below:
Where repair of the damaged tyre is possible
a. Any loss in open top or convertible cars unless the belongings are kept in
Cost of repair
the locked boot
Where repair of the damaged tyre is not possible
b. Any loss of money, securities, cheques, bank drafts, credit or debit
cards, jewellery, gems, stones, contact lens, glasses, travel tickets, Unused Tread Depth* Reimbursement % of cost of
watches, laptops, mobiles, valuables, manuscripts, paintings, work of new tyre(s) and/or tube(s)
art.
>=7mm 100%
c. Any loss of the personal belongings unless the Insured’s vehicle is
>=5mm to <7mm 75%
locked and all doors & windows are properly fastened while unattended.
>=3mm to <5mm 50%
d. Any loss of or damage to belongings carried in connection with any trade
or business <3mm 0%
e. Any theft from vehicles parked in no-parking zone and from un-attended *Unused Tread depth will be measured at the centre of the tread. Minimum 4
vehicle after accident measurements at 4 different places will be taken for the purpose of arriving at
means tread depth which will be the basis of indemnity under the coverage.
f. Any claim intimated to the Company after 30 days of such loss.
Plan B
1. This add-on will not apply to total loss/constructive total loss (TL/CTL) of the
In consideration of payment of an additional premium of Rs___________ by the
insured vehicle.
Insured, it is hereby agreed and declared that notwithstanding anything to the
contrary contained in the Policy, the Company hereby undertakes to indemnify 2. The tyre(s) and/or tube(s) is/are repaired/replaced with prior authorization
the Insured, upto an amount as stated in the Schedule, for the loss of his personal from ICICI Lombard GIC Company Limited.

Subject otherwise to the terms exceptions conditions and limitations of this 15. The difference if any between the cost of the superior tyre(s) and/or tube(s)
Policy. and that of the tyre(s) and/or tube(s) of similar specification, used for
replacement.
under this add-on.
EMI Protect
Important Conditions:
UIN IRDAN115RP0001V01201920/A0004V01202021
1. If during the Period of insurance any tyre(s) and/or tube(s) is/are replaced for
In consideration of the payment of Rs___________ by the Insured, it is hereby
any reason for which claim is not preferred under the coverage, cover on
agreed and declared that notwithstanding anything to the contrary contained in
new tyre(s) and/or tube(s) would not be available unless details of new
the Policy, the Company hereby undertakes to:
tyre(s) and/or tube(s) are informed to us and the same is endorsed on the
policy. Pay the total liable EMI amount, as stated in the schedule, to the Insured for
which the Insured’s vehicle is under repair in a garage, due to loss/damage to the
2. All claims must be made/intimated to us within 3 working days of damage.
vehicle on account of a peril covered under the Policy, subject to the minimum
3. Tyre Protect is available as an add-on coverage to a customer purchasing number of days of vehicle in garage as stated in schedule.
ICICI Lombard GIC Company Limited Comprehensive Motor Insurance
Insured has an option to choose the number of EMI (Subject to min of 1 and Max
Policy.
6) and time excess (subject to min of 7 days). The number of EMI payable will
4. Whenever replacement of tyre(s) and/or tube(s) will be allowed, it will be of depend on the number of days the vehicle is under repair in garage as per below
the same make and specification as fitted by the OEM’s. However, if tyre(s) table.
and/or tube(s) of similar specification is not available and replaced tyre(s)
Number of Days in Garage No of EMI*
and/or tube(s) is/are superior to damaged one then we will not be liable for
differential amount. 0-30 1
5. Maximum of 4 (four) replacements of tyre(s) and/or tube(s) will be allowed 31-60 2
during the period of insurance i.e for policy of 12 months.
61-90 3
6. In case of replacement of four tyre(s) and/or tube(s) for which a claim is
91-120 4
preferred under the coverage, replaced tyre(s) and/or tube(s) can be
reinstated by way of endorsement by paying requisite premium. 121-150 5
7. If damage to tyre(s) and/or tube(s) is/are due to the accidental damage to the 151-180 6
insured vehicle covered under “Own Damage” section of the policy. ICICI
> 180 6
Lombard GIC Company Limited liability under this cover will be restricted to
the difference of depreciation percentage applied under “Own Damage” Subject to maximum EMI selected by the customer & the minimum time excess
section and as mentioned above basis the unused tread depth.
The insured has an option to choose from the following time excess options:
Exclusions:
Time Excess (Minimum Number of Days)
ICICI Lombard will not be liable:
7 days
1. For loss or damage arising out of natural wear and tear, mechanical failure or
10 days
improper suspension geometry as specified by manufacturer.
14 days
2. For any loss or damage within first 15 days of inception of the policy.
21 days
3. For any loss or damage occurred prior to inception of the policy
28 days
4. For any loss or damage resulting into total loss of the vehicle
5. For theft of tyre(s)/tube(s) or its parts accessories without vehicle being
stolen or theft of entire vehicle. 1) Such claim is admitted by the Company under Section I – “Loss or Damage
to the Vehicles Insured” of the Policy
6. This add-on will not apply to total loss/constructive total loss (TL/CTL) of the
insured vehicle. 2) Number of EMIs payable will depend on option exercised by the insured or
sum insured mentioned in policy whichever is lower and is subject to repair
7. If repair/replacement of tyres done at unauthorized garage
time exceeding the Time Excess specified for each option.
8. If the tyre(s) and/or tube(s) being claimed is different from tyre(s) and/or
3) Actual repair time will be counted from the next calendar day after the
tube(s) insured/supplied as original equipment along with the vehicle unless
insured vehicle is delivered to the Garage along with intimation of claim &
informed to us and mentioned/endorsed on the policy.
submission of all required claim documents to the insurer till the day
9. For loss or damage arising out of any manufacturing defect or design immediately preceding the date of discharge or re-inspection or date of
including manufacturer’s recall. invoice for such repair as prepared by the garage, whichever is earlier
10. For minor damage or scratch not affecting the functioning 4) Claim under this add-on is intimated to the Company within 5 days of loss or
damage
11. The tyre(s) and/or tube(s) is/are repaired/replaced without prior
authorization from ICICI Lombard GIC Company Limited 5) The vehicle is repaired at a network garage of the company.
12. For tyre(s) which has/have been used for its full specified life as per 6) Submission of statement of account from the financier for the asset (vehicle)
manufacturer’s guideline or where unused tread depth is less than 3 mm. insured.
a. Unused Tread depth will be measured at the centre of the tread. Minimum 4 Special Exclusions:
measurements at 4 different places will be taken for the purpose of arriving
Company will not be liable for any claim on account of:
at means tread depth which will be the basis of indemnity under the
coverage a. Delay of more than 5 days, in delivering insured vehicle to the garage from
the time of occurrence of accidental damage or loss
13. Where a loss is covered with any other manufacturer’s warranty or recall
campaign or under any other such packages at the same time b. Non-availability of spare parts required for repair
14. For any excess mentioned in Policy schedule c. Any due amount because of default or non-payment or delayed payment

d. For more than one covered incident per policy year. through mobile application specified in the Policy Certificate.
Telephonic/Virtual Consultation service can be availed as many times as
e. Any other consequential loss or charges associated with the loan payment mentioned in policy schedule.
such as late payment charges, pre-payment charges or other
documentation charges. i) It is agreed and understood that the Insured Person/occupant(s)
is/are free to choose whether or not to obtain the expert opinion, and
f. Default in payment of EMI in the last one year preceding the date of accident. if obtained then whether or not to act on it;
g. Report of total loss or theft of the vehicle. (ii) Under this Benefit, We are only providing the Insured
Person/occupant(s) with access to consultations or opinion and
Subject otherwise to the terms, conditions and limitations of the Policy. we shall not be deemed to substitute the Insured
Person’s/occupant(s) visit or consultation to an independent
Emergency Medical Expenses Medical Practitioner.
IRDAN115RP0001V01201920/A0011V01202122 Provided always that
Subject otherwise to the terms, exceptions, conditions and limitations of this 1. Such claims are admitted by the Company under Section I – “Loss or
Policy, and in consideration of the payment of an additional premium by the Damage to the Vehicles Insured” of the Policy, except for Tele
Insured, it is hereby agreed and understood that notwithstanding any other Consultation service.
terms contrary under the Policy,
2. Claim under this add-on is intimated to the Company within 5 days of
The Company will be liable for the below mentioned Emergency medical occurrence of incident, however, this condition is not applicable
expenses incurred for the treatment of bodily injury/injuries sustained by when there is a delay in intimation due to unavoidable
insured and/or any occupant of the vehicle in direct relation with insured vehicle circumstances.
The injury/injuries sustained in an accident to be whilst mounting and
3. Accident has occurred in direct connection with insured vehicle
dismounting from or driving or travelling in the insured vehicle caused by
whilst driving the vehicle including mounting into/ dismounting from
violent, accidental external and visible means requiring necessary medical
or traveling in the insured vehicle.
treatment in any Hospital or any clinic or nursing home.
4. The limit on the number of claims that can be made and the aggregate
1. Accidental Hospitalisation – The Company shall reimburse the
liability to be paid during the policy period will be restricted to the
accidental medical expenses incurred by the insured and/or any other
sum insured mentioned against each of the coverage’s separately.
occupant(s) travelling in the insured vehicle (as per the registered seating
capacity) towards the treatment of bodily injury sustained in an accident 5. The benefit under this section is NOT payable in case the number of
involving the insured vehicle. persons/ passengers traveling in the insured vehicle is more than the
number specified in the registration certificate valid at the time of
The aggregate liability of the Company under the said cover for all the
occurrence of such accident.
occupants will be limited up to the Sum Insured mentioned against the
said cover in the Policy Schedule. 6. Submission of original Bills / Reports / Prescriptions/Indoor case
papers and Hospital discharge summary shall be required for
2. Ambulance Cover – The Company shall:
reimbursement of all such claims.
a. Arrange ground medical transportation by an ambulance (including
Definition for the purpose of this add-on:
air ambulance) service provider to transport the Insured Person
and/or any other occupant(s) travelling in the insured vehicle from Franchise means a minimum amount of loss that must be incurred before
the site of accident to the nearest Hospital or any clinic or nursing insurance coverage applies. Once the Deductible is met, the entire benefit
home for medical necessary treatment as available in that particular amount is paid, subject to the Policy terms and conditions.
city/location. This is merely a telephonic assistance service and is Hospital/Nursing Home/Clinic means any institution established for in-
subject to availability of the service provider in the location of the patient care and day care treatment of illness and / or injuries and which
accident. There are no restrictions on the number of times the has been registered as a hospital/nursing home/clinic with the local
telephonic ambulance assistance can be availed. authorities under the Clinical Establishments (Registration and
b. And also reimburse the expenses incurred by the insured and/or any Regulations) Act 2010 or under enactments specified under the Schedule
occupant(s) for hiring an ambulance for such transportation. The of Section 56(1) of the said Act.
aggregate liability of the Company towards the cost of hiring an Medically Necessary Treatment means any treatment, tests, medication,
ambulance for all the injured occupants will be limited up to the Sum or stay in hospital or part of a stay in hospital which:
Insured mentioned against the said cover in the Policy Schedule.
- is required for the medical management of the injury suffered by the
3. Hospital Daily Cash – If insured and/or any occupant(s) travelling in the insured or any other occupant travelling in the insured vehicle;
insured vehicle, suffers an Injury due to an Accident that occurs during the
Policy Period and which solely and directly requires the injured - must not exceed the level of care necessary to provide safe,
occupant(s) travelling in the insured vehicle to be Hospitalized, then We adequate and appropriate medical care in scope, duration, or
will pay the daily amount specified in the Policy Schedule against this intensity;
cover for each continuous and completed day of Hospitalization of the - must have been prescribed by a medical practitioner;
injured person(s). - must conform to the professional standards widely accepted in
The Company shall not be liable to pay the daily amount for more than 10 international medical practice or by the medical community in India.
days, during the Policy Period per occupant as opted. Further the number Pre-existing diseases means any condition, ailment, injury or disease:
of injured to whom the claim will be paid under the cover will be limited to
the number as opted by the insured and duly mentioned under the policy a) That is/are diagnosed by a physician within 48 months prior to the
Schedule. effective date of the policy issued by the insurer or its reinstatement
or
The Company’s liability to make any payment under this cover shall be in
excess of the per event Franchise, stated in the Policy Schedule, as b) For which medical advice or treatment was recommended by, or
applicable. received from, a physician within 48 months prior to the effective
date of the policy issued by the insurer or its reinstatement.
Illustration: If there is a Franchise of two days under this benefit and the
injured occupant of the insured vehicle is admitted in a hospital for one “Telephonic/Virtual Consultation” shall mean any consultations provided
day, then this benefit shall not be payable . However, if the injured by Medical Practitioners/Healthcare Professionals through a virtual mode
occupant is hospitalized for more than two days, then he shall be entitled of communication, such as via audio, video, online portal, chat or mobile
under this benefit for all days of hospitalization limited to sum insured application for routine health query or second opinion.
mentioned under the policy schedule. Specific Exclusions:
4. Tele Consultation - If insured and/or any occupant(s) travelling in the a. Any expenses related to a sickness, disease or medical disorder not
insured vehicle, requires any medical emergency assistance that occurs directly consequential to accident.
during the Policy Period, they can avail Telephonic/Virtual Consultation

b. Any expenses related to pre-existing diseases or medical disorders,
except for Tele consultation service *IDV is defined as the amount which is determined and
c. Any physiotherapy treatment. agreed upon between the insurer and the proposer/insured
d. Any expense not supported by an original and valid bill / receipt and with respect to any insured vehicle at the inception of the
related prescription of the attending Medical Practitioner / Hospital / policy period, up to which indemnification shall be allowed
Nursing Home. in case of loss in any single incidence/event.
e. Any expenses for treatment commenced after 3 days from the date **Motor Floater Sum-Insured is defined as the maximum
of accident. amount in case of any single incidence/event, available to
f. Not more than sum-insured as mentioned in the schedule during per be utilised by any/all the vehicles covered under the Floater
policy tenure. Policy subject to the individual vehicle IDV. The Sum
g. Any expense arising or resulting from or traceable to intentional self- Insured can change on renewal or with mid-term inclusion
injury, suicide or attempted suicide physical defect or infirmity. & exclusion of a vehicle.
h. Any expense arising or resulting from or traceable to an accident • Mid Term inclusion of vehicles-
happening due to the influence of intoxicating liquor or drugs. Proposer/ insured can add a new vehicle to the motor
Subject otherwise to the terms exceptions condition & limitations of the policy. floater during the currency of the policy provided that it falls
under the preview of the add-on. Premium for such vehicle
Motor Floater included shall be paid by proposer/ insured as a separate
charge calculated on pro rata basis for the remaining
UIN: IRDAN115RP0001V01201920/A0011V01202223 period of the policy. The floater sum insured would get
In consideration of the payment of Rs ___________ by the increased to the extent of IDV of new vehicles added.
Insured, it is hereby agreed and declared that notwithstanding
• Mid Term exclusion of vehicles-
anything to the contrary contained in the Policy, the Company
hereby undertakes to offer below mentioned benefits: Mid Term exclusion may be necessitated by total loss/
Constructive Total Loss (CTL)/ total-theft of a vehicle or sale
Benefit offered
of any one or more of the vehicles by the insured included in
• To offer a single policy irrespective of the number of the floater add on.
vehicles owned by proposer* and an option to have
In case of Sale/ ownership transfer of any one of the vehicle,
different sub-limits/IDV for each vehicle.
refund would be done as per terms of the base policy.
• Different vehicle may have different risk start date, based
In case of total loss/CTL/total-theft of any vehicle, the floater
on the respective due dates of insurance of each vehicle.
add on would continue with the remaining vehicles in the policy.
However, the risk end date of all the vehicles would be
aligned with the risk end date of the vehicle which has the For the above scenarios, floater sum insured would get
earliest risk start date. decreased to the extent of IDV of the excluded vehicles.
For Example- Other coverage & Exclusions would be as per the base policy.
Components PVT 01 PVT 02 TW 01 Cancellations & endorsements as applicable would be guided
as per the base policy terms & conditions.
Previous Year Policy 8-Jul-22 10-Aug-22 15-Sep-22
End date
Floater Policy Risk 9-Jul-22 11-Aug-22 16-Sep-22 Telematics
Start Date
UIN: IRDAN115RP0001V01201920/A0019V01202223
Floater Policy Risk 8-Jul-23 8-Jul-23 8-Jul-23 STANDARD FORM
End Date
Whereas the insured by a proposal and declaration dated as
• As shown above, the risk end date of all the 3 vehicles are stated in the Schedule which shall be the basis of this contract
aligned which will help insured to have similar risk start and is deemed to be incorporated herein has applied to the
date during next renewal. Company for the Add-on cover hereinafter contained and has
• For aligning the risk start dates the premiums are paid the premium mentioned in the schedule as consideration
calculated on pro rata basis, wherever the risk period of the for such cover in respect of accidental loss or damage occurring
vehicle is less than 12 months. to the insured vehicle during the period of insurance.
Explanation & definitions of Add on features- NOW THIS ADDON WITNESSETH
• *Proposer for Motor Floater is defined as an individual who That subject to the Terms Exceptions and Conditions contained
can pool their-own or their family member’s vehicles in a herein or endorsed or expressed hereon;
single policy using the Motor Floater add-on. SCOPE OF COVER:
• Family shall mean & include the proposer and any one or Telematics Add-on shall be offered with the Base Motor
more of the family members as mentioned below: Insurance policy,of either Private car or Two Wheeler and all
(i) legally wedded spouse. covers, regulations and exclusions of the base motor policy
would apply to the policy with Telematics add-on also.
(ii) Parents and Parents-in-law.
Plans under Telematics Add-on (Add-on would be applicable
(iii) Children (i.e. natural or legally adopted)
to Section 1 of the policy only i.e Motor Own Damage, Fire &
(iv) And siblings of the proposer Theft)
• Sum Insured for the purpose of Motor Floater Add-on 1) Pay As You Use (PAYU) plan: This Add-on would convert
would mean- the base motor product into an Asset cum Usage based
product. The Premium charged for the insurance of the
Summation of Insured declared value (IDV) of each of the base motor vehicle would depend partially on the usage
vehicles covered in the floater policy will be the Motor
Floater Sum-Insured**.

i.e., Kilometres clocked or estimated Kilometres to be f) Insured may opt for other available add-ons in the
clocked during the tenure of the policy. base product of Private Car and Two Wheeler.
• The Add-on would be offered with Base product, g) NCB as per applicable rate would be provided to the
covering different Kilometer ranges as opted by the insured for the initial Km based purchase of package
Insured. Insured will have an option to top-up for and also on top-up Kms repurchased there-after
additional Kilometers (by paying additional premium) during the same policy period irrespective of claim in
once the Kilometers opted in the Initial plan is the running policy.
exhausted during the policy period.
h) In case of transfer of ownership endorsement, the New
• The Kilometer based plan (initial & top-ups) would Owner would be eligible for the un-used number of
cover only the perils against section-1 of the policy, i.e. Kms left in the purchased plan along with the TP/PA
Motor Own-damage, Fire & Theft. part of the policy if applicable. Additional premium
towards NCB and other charges may be applicable as
• The Add-on will be effective for the same period as the
per the provisions of Indian Motor Tariff applicable to
Motor Own Damage under section 1 of the policy
the base product.
unless and until stated other-wise, however coverage
in the policy would be valid only when purchased i) The Company may cancel the policy as prescribed in
Kilometers remains partially or fully un-used at the the base policy by sending seven days’ notice by
time of occurrence of loss. recorded delivery to the insured at insured’s last
known address and in such event will return to the
Terms of PAYU coverage:
insured the premium for un-used Kms of last
a) This Add-on is offered on Kilometer based usage, i.e. purchased plan, whether initial and/or top-up (and not
the premium will be charged based on opted plans of for any accumulated Kms carried forward from
different Kilometer ranges. previous year’s policy). The policy may also be
b) Insured can opt for any offered Kilometer range as per cancelled at any time by the insured on seven days’
his/her requirement. If the initially purchased notice by recorded delivery and provided no claim has
kilometers are exhausted, Insured may top-up the arisen during the currency of the policy, the insured
add-on (from the available top-up options) at any shall be entitled to a return of premium for the un-used
time during the policy period, subject to additional Kms purchased. Refund of premium would be done
payment of premium thereto. only for the un-used Kms, whether initial and/or top-up
(and not for any accumulated Kms carried forward
c) Any claim reported under Section 1 of the policy after from previous year’s policy).
exhaustion of purchased Kilometers (initial or top-up)
will not be covered. However, keeping practical However no refund would be provided if cancellation is
scenarios in view, 100 (one hundred) grace Kilometers initiated by Insured in last 30 days of the policy period.
would be offered after exhaustion of purchased In scenarios where cancellation of the policy is
kilometers (only for accident cases & not for theft necessitated by virtue of Total Loss, Total theft or
cases). Constructive total loss, no refund would be made
If the vehicle is not driven more than 100 Kms after towards the Own-Damage premium.
exhaustion of the purchased plan the claim made Return of the premium by the company will be subject
would still be honored subject to payment of premium to retention of the minimum premium of ` 100/- (or `
for top-up after the loss and within the currency of the 2 5 /- i n r e s p e c t o f v e h i c l e s s p e c i f i c a l l y
policy. designed/modified for use by blind/handicapped/
d) Kilometers remaining unused after expiry of the term mentally challenged persons) per year. Where the
of the base policy would carry forward to the renewed ownership of the vehicle is transferred, the policy
policy subject to the following: stands cancelled automatically.
• Maximum number of Kilometers that can be All other provisions and regulations related to
carried forward will be 1000 if renewed within the Cancellation would be same as applicable to the base
due date, or within 30 days from expiry of the product.
policy. 2) Pay How You Use plan: This plan would convert the base
• Beyond 30 days from due date of renewal, carry motor product into an Asset cum “Usage and/or Driving-
forward of un-used kilometers will not be allowed. Behaviour” based product.
e) Insured should ensure that the number of Kilometers • Being a usage based Add-on, the insurance premium
driven at any point during the policy tenure or at the would be effected based on how an insured vehicle is
point of claim is easily ascertainable through use of Used and/or Driven.
technology or through readings in vehicles odometer Historical data of relevant customer segment may also
or through any other available means. be used to establish the inherent behavior of the
Any act of tempering with such devices or readings, or specific segment of customer to extend upfront pricing
any act which renders such devices non-functional variability.
would make the policy/Add-ons/covers in-effective Discounts Loadings
and may lead to repudiation of claims made.
Driving 10 9 8 7 6 5 4 3 2 1 0
If the device is rendered non-functional or is Score Up Up Up Up Up Up Up Up Up Up Up
malfunctioning is observed due to any defect in the Band to to to to to to to to to to to
device (caused by wear & tear or manufacturing 20% 18% 16% 14% 12% - 12% 14% 16% 18% 20%
defect), the Insured should bring the same to the notice
of Insurer immediately.

• The Driving / Usage behavior would be derived basis electric motors of a battery electric vehicle (BEV) or hybrid
available parameters and would be classified into electric vehicle (HEV). These batteries are usually
Score-ranges or Bands. Discounts and loadings would rechargeable (secondary) batteries, and are typically
be provided to the insured based on the Score Bands lithium-ion batteries. These batteries are specifically
achieved over a period of time. designed for a high ampere-hour (or kilowatt-hour)
capacity. Electric-vehicle batteries differ from starting,
Example (for representative purpose):
lighting, and ignition (SLI) batteries as they are designed to
Best Driving score Band 10 give power over sustained periods of time and are deep-
cycle batteries.
Least Driving score Band 0
3. Drive Motor/electric Motor is a motor which is fitted on the
Above mentioned percentages may be offered as axles which converts electric energy into mechanical
discounts and loading basis the Driving-behavior energy.
score bands. Applicable score band & scoring pattern 4. HEV (Hybrid electric vehicle) system - The HEV system
would be updated at the point of policy purchase. contains of Electric motor, DC/DC step down converter,
electric generator & power electronics controller
• The Add-on will be effective for the same period as the
Motor Own Damage under section 1 of the policy 5. In case of an accident, payment under this add-on would
unless and until stated other-wise be made only when there is evidence of under carriage
damage to Battery and resulting into damage to covered
Terms of PHYU coverage: parts as mentioned above.
a) Insured should ensure that the number of Kilometers driven 6. In case of short circuit while mounting, dismounting or
and other parameters related to driving behavior, at any vehicle in charging port resulting into damage/failure to
point during the policy tenure or at the point of claim is covered parts as mentioned above.
easily ascertainable whether through use of technology or 7. The Company would not be liable for:
through readings in vehicle’s devices (like Odometer) or a) Any claim where the subject matter of claims is
through any other available means. covered under any other type of insurance policy
with any other insurer or manufacturer’s warranty
Any act of tempering with such devices or readings, or any including recall campaign or under any other such
act which renders such devices/facilities/technologies non- packages at the same time.
functional would make the policy/Add-ons/covers in- b) Any claim which is intimated to the Company after 30
effective and may lead to repudiation of claims made. days of the happening of loss or damage.
If the device is rendered non-functional or is malfunctioning c) Any claim where the repair has been carried out
is observed due to any defect in the device (caused by wear without prior approval from the Company
& tear or manufacturing defect), the Insured should bring d) Any claims related to loss or damage due to wear and
the same to the notice of Insurer immediately. tear
e) Any claim where Charging is not done as per the
b) Insured may also opt for other available add-ons in the
guidelines of OEM (original equipment manufacturer)
base product of Private Car and Two Wheeler.
f) Any claim where battery is already dead due untimely
charging or any other purpose.
Note:
g) Maximum one claim will be payable under this Add on
Insured may opt for any one or both the PAYU & PHYU plans cover per policy tenure.
within the Telematics Add-on. h) Vehicle stopped due to over discharge of batteries and
In case Insured opts for both the plans the provisions related to is not plugged for charge within 24 hrs from the time of
stoppage.
product feature, Endorsement & Cancellations would be as
mentioned under “Terms of PAYU coverage”. In addition, Subject otherwise to the terms, conditions and limitations
Insured’s driving behavior would also be factored-in for of the Policy.
deriving the premium.
Warranty: Warranted that the insured named herein/owner of
Battery Protect Cover the vehicle holds a valid Pollution Under Control (PUC)
IRDAN115RP0001V01201920/A0005V01202223 Certificate and/or valid fitness certificate, as applicable, on the
date of commencement of the Policy and undertakes to renew
Battery Protect Cover (For Electric/Hybrid vehicle (Petrol +
and maintain a valid and effective PUC and/or fitness
Electric))
Certificate, as applicable, during the subsistence of the Policy.
In consideration of payment of an additional premium of Further, the Company reserves the right to take appropriate
Rs___________ by the Insured, it is hereby agreed and declared action in case of any discrepancy in the PUC or fitness
that notwithstanding anything to the contrary contained in the certificate.
Policy, the Company hereby undertakes to indemnify the
Grievances: For resolution of any query or grievance, Insured
Insured for expenses incurred in repair or replacement due to
may contact the respective branch office of the Company or
consequential damages arising out of water ingression/Short
may call toll free no.1800-2666 or may approach us at the sub
circuit causing loss or damage to battery, drive Motor/electric
section “Grievance Redressal” on our website
Motor and HEV (Hybrid electric vehicle) system, whether it
www.icicilombard.com (Customer Support section). However,
forms part of or taken & fitted separately to the insured vehicle.
if the resolution provided by us is not satisfactory you may
approach Insurance Regulatory and Development Authority
1. For the purpose of this add-on, ‘Consequential Damage’ (IRDA) through the Integrated Grievance Management Section
would mean “the damage more specifically expressed (IGMS) or IRDA Grievance Call Centre(IGCC) at their toll free
hereinabove caused to an insured vehicle not arising no.155255. You may also approach Insurance Ombudsman,
directly from an insured peril but as a direct consequence to subject to vested jurisdiction, for the redressal of grievance.
the same”. Details of Insurance Ombudsman offices are available at IRDA
2. Battery would mean an electric-vehicle battery (EVB) (also website: www.irdaindia.org, or on the Company’s website at
known as a traction battery) is a battery used to power the www.icicilombard.com.

DETAILS OF INSURANCE OMBUDSMAN
You can also approach the Insurance Ombudsman, depending on the nature of grievance and the financial implication, if any. Information about Insurance Ombudsmen, their jurisdiction and powers is
available on the website of the Insurance Regulatory and Development Authority of India (IRDAI) at www.irdai.gov.in, or of the General Insurance Council at www.generalinsurancecouncil.org.in, the
Consumer Education Website of the IRDAI at http://www.policyholder.gov.i n, or from any of Our Offices.
The details of Insurance Ombudsman are available below:
Name of office of insurance Ombudsman Territorial Area of jurisdiction Name of office of insurance Ombudsman Territorial Area of jurisdiction
AHMEDABAD Gujarat, Dadra & Nagar Haveli, Daman HYDERABAD Andhra Pradesh, Telangana, Yanam and
Shri Kuldip Singh, Office of the Insurance and Diu. Shri N Sankaran Office of the Insurance, Ombudsman, Part of Territory of Puducherry.
Ombudsman, Jeevan Prakash Building, 6th floor, 6-2-46, 1st floor, "Moin Court", Lane Opp. Saleem
Tilak Marg, Relief Road, Ahmedabad - 380 001. Function Palace, A. C. Guards, Lakdi-Ka-Pool,
Tel.: 079 - 25501201/02/05/06 Hyderabad - 500 004. Tel.: 040 - 67504123 /
Email: [email protected] 23312122 Fax: 040 – 23376599
BENGALURU Karnataka Email: [email protected]
Mr. Vipin Anand, Office of the Insurance Ombudsman, JAIPUR Rajasthan.
Jeevan Soudha Building,PID No. 57-27- N-19 Ground Shri Rajiv Dutt Sharma, Office of the Insurance
Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor,
Bengaluru – 560 078. Tel.: 080 - 26652048 / Bhawani Singh Marg, Jaipur - 302 005. Tel.: 0141 -
26652049 2740363.
Email: [email protected] Email: [email protected]
BHOPAL Madhya Pradesh, Chattisgarh. KOLKATA West Bengal, Sikkim, Andaman & Nicobar
Shri R. M. Singh, Office of the Insurance Ombudsman, Shri P K Rath, Office of the Insurance Ombudsman, Islands.
Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar, Hindustan Bldg. Annexe, 4th Floor, 4, C.R. Avenue,
Opp. Airtel Office, Near New Market, Bhopal – 462 KOLKATA - 700 072. Tel.: 033 - 22124339 / 22124340
003. Tel.: 0755 - 2769201 / 2769202 Fax: 0755 - Fax : 033 - 22124341
2769203 Email: [email protected]
Email: [email protected]
LUCKNOW Districts of Uttar Pradesh : Laitpur, Jhansi,
BHUBANESHWAR Odisha. Office of the Insurance Ombudsman, 6th Floor, Mahoba, Hamirpur, Banda, Chitrakoot,
Shri Suresh Chandra Panda, Office of the Insurance Jeevan Bhawan, Phase-II, Nawal Kishore Road, Allahabad, Mirzapur, Sonbhabdra,
Ombudsman, 62, Forest park, Bhubneshwar – 751 Hazratganj, Lucknow - 226 001. Tel.: 0522 - 2231330 / Fatehpur, Pratapgarh, Jaunpur,Varanasi,
009. Tel.: 0674 - 2596461 /2596455 Fax: 0674 - 2231331 Fax: 0522 - 2231310 Gazipur, Jalaun, Kanpur, Lucknow, Unnao,
2596429 Email: [email protected] Sitapur, Lakhimpur, Bahraich, Barabanki,
Email: [email protected] Raebareli, Sravasti, Gonda, Faizabad,
CHANDIGARH Punjab, Haryana (excluding Gurugram, Amethi, Kaushambi, Balrampur, Basti,
Mr. Atul Jerath, Office of the Insurance Ombudsman, Faridabad, Sonepat and Bahadurgarh), Ambedkarnagar, Sultanpur, Maharajgang,
S.C.O. No. 101, 102 & 103, 2nd Floor, Batra Building, Himachal Pradesh, Union Territory of Santkabirnagar, Azamgarh, Kushinagar,
Sector 17 – D, Chandigarh – 160 017. Tel.: 0172 - Jammu & Kashmir, Ladakh & Chandigarh. Gorkhpur, Deoria, Mau, Ghazipur,
2706196 / 2706468 Fax: 0172 - 2708274 Chandauli, Ballia, Sidharathnagar.
Email: [email protected] MUMBAI Goa, Mumbai Metropolitan Region
CHENNAI Tamil Nadu, Pondicherry Town and Shri Bharatkumar S. Pandya, Office of the Insurance Excluding ( Navi Mumbai & Thane).
Shri Segar Sampathkumar, Office of the Insurance Karaikal (which are part of Pondicherry). Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V.
Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Road, Santacruz (W), Mumbai - 400 054. Tel.: 022 -
Anna Salai, Teynampet, CHENNAI – 600 018. Tel.: 26106552 / 26106960 Fax: 022 - 26106052
044 - 24333668 / 24335284 Fax: 044 - 24333664 Email: [email protected]
Email: [email protected] NOIDA State of Uttaranchal and the following
DELHI Delhi & following District of Haryana – Shri Chandra Shekhar Prasad, Office of the Insurance Districts of Uttar Pradesh: Agra, Aligarh,
Shri Sudhir Krishna, Office of the Insurance Gurugram, Faridabad, Sonepat and Ombudsman, Bhagwan Sahai Palace, 4th Floor, Main Bagpat, Bareilly, Bijnor, Budaun,
Ombudsman, 2/2 A, Universal Insurance Building, Bahadurgarh Road, Naya Bans, Sector 15, Distt: Gautam Buddh Bulandshehar, Etah, Kanooj, Mainpuri,
Asaf Ali Road, New Delhi – 110 002. Tel.: 011 - Nagar, U.P-201301. Tel.: 2514252 / 2514253 Mathura, Meerut, Moradabad,
23232481/23213504 Email: [email protected] Muzaffarnagar, Oraiyya, Pilibhit, Etawah,
Email: [email protected] Farrukhabad, Firozbad,
Gautambodhanagar, Ghaziabad, Hardoi,
ERNAKULAM Kerala, Lakshadweep, Mahe-a part of Shahjahanpur
Shri G Radhakrishnan Office of the Insurance Puducherry.
Ombudsman, 2nd Floor, Pulinat Bldg., Opp. Cochin PATNA Bihar, Jharkhand.
Shipyard, M. G. Road, Ernakulam - 682 015. Shri N. K Singh Office of the Insurance Ombudsman,
Tel.: 0484 - 2358759 / 2359338 Fax: 0484 - 2359336 1st Floor,Kalpana Arcade Building,, Bazar Samiti
Email: [email protected] Road, Bahadurpur, Patna 800 006. Tel.: 0612-
2680952
GUWAHATI Assam, Meghalaya, Manipur, Mizoram,
Shri Somnath Ghosh, Office of the Insurance Arunachal Pradesh, Nagaland and Tripura.
Ombudsman, Jeevan Nivesh, 5th Floor, Nr. Panbazar PUNE Maharashtra, Area of Navi Mumbai and
over bridge, S.S. Road, Guwahati – 781001(ASSAM). Shri Vinay Sah, Office of the Insurance Ombudsman, Thane (excluding Mumbai Metropolitan
Tel.: 0361 - 2632204 / 2602205 Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to Region).
Email: [email protected] 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030.
Tel.: 020-41312555
The updated details of Insurance Ombudsman are available on IRDA website: www.irdaindia.org,
on the website of General Insurance Council: www.generalinsurancecouncil.org.in, website of
the Company www.icicilombard.com or from any of the offices of the Company.
Now you can intimate your motor claim with an SMS. Just SMS CLAIM to 575758
ICICI Lombard General Insurance Company Limited

Mailing Address: Interface Building No. 16, 601-602, 6th Floor, New Link Road, Malad (West), Mumbai - 400 064.
Registered Office Address: ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025.
Visit us at www.icicilombard.com • Mail us at [email protected] • Toll Free No.: 1800 2666 • Chargable No.: +91 86 55 222 666
Insurance is the subject matter of solicitation. IRDA Reg. No. 115. CIN: L67200MH2000PLC129408.

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STAND-ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY WORDING

Product Code: 3001/O UIN: IRDAN115RP0001V02201920

UIN: IRDAN115RP0001V02201920 -1- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -2- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -3- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -4- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -5- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -6- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -9- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -10- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -11- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -12- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -13- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -14- CIN: L67200MH2000PLC129408

UIN: IRDAN115RP0001V02201920 -15- CIN: L67200MH2000PLC129408

ICICI Lombard General Insurance Company Limited

UIN: IRDAN115RP0001V02201920 -16- CIN: L67200MH2000PLC129408

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