Relax. We've got you covered.

KHAGEN KALITA
Narengga
Boko
Guwahati 781123, Assam
Contact: +91 9864497836

Dear KHAGEN,

A warm welcome from all of us.

You've made a great choice by selecting Zuno Private Car Liability Only Insurance . Your Policy No. is
402000231372.

We're going to do our best to provide you amazing service at all times. Count on us to always give you the full
picture, and to be completely fair and honest.

After reading this letter, do take a little time to download and go through the relevant policy information on our
website www.hizuno.com. It will help you know all the important details of the cover you now enjoy. We know
that insurance documents can make simple things sound difficult, but we really think you should read them,
because this is important!

The above information bears the main features and benefits, of course, and just as importantly, the features
which are not covered under your policy

You can download the relevant policy information by following the steps given below:
• Visit www.hizuno.com
• Visit product page
• Select the desired product
• Download the relevant policy information

We're just a call or an email away if you need to ask us something.

Write to us at [email protected] or call us at 1800 12000.
Once again, we're delighted to have you with us.

Warm regards,

Shubhdarshini Ghosh
Executive Director & CEO

Zuno General Insurance Lim ited, (Formerly know n as Edelw eiss General Insurance Company Limited) Registered Office: 2nd Floor,
Tow er 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:
U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free), 022 42312000 (Call charges applicable) Email: [email protected],
Website: w w w .hizuno.com, Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal Officer: +91 22 4231 2022, Dedicated Toll-Free
Number for Grievance: 1800 120 216216. Trade logo displayed above belongs to Zuno General Insurance Limited under license.
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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
Objects in this document
are simpler than they seem.
Zuno Private Car Liability Only Insurance

Policy Schedule
Intermediary name: Probus Insurance Broker Private Limited
Intermediary reference code: 2210000052 Contact: 7304332968

Policy Details
Policy Servicing Office: Mumbai Policy No. 402000231372
Period of Insurance: From 12:01:00 of 12/07/2024 to 23:59:00 of 11/07/2025
Insured's Name: KHAGEN KALITA Insured's GST No.:
Insured's Address: Narengga Boko Guwahati 781123, Assam
Insured's ID: 1003047682 Policy Issued On: 11/07/2024
Co-insurance Details: N.A Geographical Area: India
Proposal/Cover Note No.: 432330437 Zone: B

We love your car, too.

Here are your car's important details. Please check if you've provided the correct ones?

Vehicle details
Seating
Registration mark
Year of capacity
& place of Engine No. Chassis No. Make Model Variant CC
manufacture including
registration
driver
ML05G6448
F8BIN42223 MA3EVB11S MARUTI XFUN
EAST KHASI ALTO 796 2010 5
36 01185922 SUZUKI LTD LXI
HILLS

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 How have we worked out your premium?
'Liability' means the damage to someone else.

Liability
Base Premium including Premium for TPPD ₹ 2094.00 Add:
Total ₹ 2094.00 PA
PA Owner Driver ₹ 0
Sub Total (additions) ₹ 0.00
Total liability premium ₹ 2094.00
CGST @9% ₹ 188.46
SGST @9% ₹ 188.46
Final premium ₹ 2470.92

Note:- ​A s per Section 34(2) of the CGST Act 2017, GST will not be refunded/adjusted for any cancellation / endorsement/ deletion/refund after 6
months from the end of the previous financial year in which the policy was issued​.

Did you love someone else before we met?

It's OK, we'll deal with it. Here are the details of your last insurer.

Previous Insurer: NA
Previous Policy No.: NA Expiry on: NA

Who's your nominee?

It's always good to have a Nominee, and you did the right thing by naming one. Given below are the details.

Name and Age of Nominee: A Kalita & 78 years Relationship with Insured: Father
Name of Appointee (If Nominee is minor): NA
Relationship of Appointee with Nominee: NA

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 Red, orange or green?
What kind of loss/damage is covered, and what isn’t? As a thumb rule here, are a few things you should remember.

Use of the vehicle:

The Policy covers the use of the vehicle for any purpose except Motor Trade, hiring or rew ard, carrying goods (other than samples or personal
luggage), organized racing, pacemaking, speed testing, teliability trials etc.
Who can drive?
The driver can be anybody including the insured, provided he/she holds an effective driving license at the time of the accident and is not
disqualified from holding a driving license. How ever, the driver must satisfy the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.
Loss/damage to others:
Section II-1 (i) of your policy, covers you for liability for an amount of `6,000/ in case of loss/damage to someone else’s property, or unlimited liability
for injury/death to other third parties in case you have an accident.

This is most important! Slow down here.

Although w e’d love to cover your vehicle w ithout exception, w e can’t. Your policy covers loss to your vehicle only if all the terms are met.
And any payment w e make because of terms appearing in this schedule or to comply w ith the Motor Vehicles Act, 1988, isrecoverable from you.
You should definitely read the clause, 'Avoidance of certain terms and right of recovery' in your policy w ording. Warranted that the Assured named
herein/ow ner of the vehicle insured holds a valid Pollution Under Control (PUC) Certificate on the date of commencement of the Policy and renew s
and maintains valid and effective PUC Certificate during the duration of the Policy period. If the PUC is not found valid on the date of loss, the
company shall repudiate any claim made under the Policy.
Please make sure that the vehicle details mentioned in your policy are correct, regarding the make, model, number of w heels, usage, tonnage, etc
of your vehicle. If any of these details do not match, it w ill count as fraud, and your policy w ill stand cancelled right from the start. If there's any
such mistake in your Policy Schedule/Document, let us know w ithin 15 days of getting it.
Subject to I.M.T. Endt. Nos. & Memorandum , IMT - 22 A printed/attached here.
Date of duly signed proposal 11/07/2024 .
In Witness w hereof this Policy has been signed at: Mumbai on this 11th day of July 2024;
Receipt No. Date 11/07/2024
Consolidated stamp duty paid vide Letter of Authorisation No. CSD/02/2023/4267/2023 dated 25-Oct-2023 at General Stamp Office, Mumbai .
Received premium payment of ₹ 2470.92. vide instrument / reference number YSBI2378346049. dated 11/07/2024 . against receipt number .
It is certified that your Policy and this Schedule have been issued according to the provisions of Chapter X and Chapter XI of the Motor Vehicles
Act, 1988.

Tax is not payable under reverse charge by the recipient

GST Registration No.: 27AAECE2328J1ZO HSN/SAC Code: 997134
Description of Goods or Service: General Insurance Service Place of Supply
State: Meghalaya Code: 15

We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified
under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of the said sub-rule.

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 Address of Issuing Office: 2nd Floor, Tower 3, B Wing , For Zuno General Insurance Limited
Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (W),
Digitally signed by DS ZUNO GENERAL INSURANCE LIMITED
Mumbai 400070 Date: 2024-07-11
Date of Issue: 11/07/2024 Reason: Authentication
location: Mumbai

Authorized Signatory

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
TRANSCRIPT OF THE PROPOSAL
Product Details Valid from (dd-mmm-yyyy) 12/07/2024
Product Name Private Motor Car Multiyear Valid to (dd-mmm-yyyy) 11/07/2025
Product Type Liability Only Fitness Cerficate Valid upto NA
Business Type Rollover Previous History
Proposal Details Date of Purchase NA
Gender Male Vehicle was New or Second Hand at the Used Car
Proposer Title time of purchasee
Proposer Name KHAGEN KALITA Vehicle be used exclusively for NA
Proposer DOB Private,Social, Domestic, Pleasure &
Narengga,Boko Guwahati
Proposer Address with Pincode Professional Purpose
781123, Assam
Contact Number 9864497836 Carriage Goods other than sample or NA
Email ID [email protected] personal luggage
PAN Number EWJPK1491N Vehicle in Good Condition (Yes/No) NA
GST Number NA If No (Not in Good Condition) - Details NA
Occupation Has any company, in respect of the
Policy Period (OD) risk to which this Proposal relates NA
Policy Start Date ever
Policy Start Time A) Declined a proposal, refused NA
Policy End Date renewal or terminated insurance NA
Policy End Time B) Required an increased premium or NA
Policy Period (3 Year TP) imposed special conditions
Policy Start Date 12/07/2024 Detail if A or B selected as "Yes" NA
Policy Start Time 00:00:00 Previous Insurance Detail
Policy End Date 11/07/2025 Insurer Name
Policy End Time 23:59:59 Policy Number
Policy Period (CPA) Policy Expiry Date Invalid date
Third Party Multiyear
Policy Start Date Type of Cover
Contract
Policy Start Time
Policy End Date Claim Lodged NA
Policy End Time Claim Year NA
Vehicles Details Number of Claims NA
Registration Number ML05G6448 Claim Amount NA
Registration Place EAST KHASI HILLS Nom inee Details
Registration Date 24/03/2010 Nominee Name A Kalita
Engine Number F8BIN4222336 Nominee Age 78
Chassis Number MA3EVB11S01185922 Realtionship with Proposer Father
Vehicle Make MARUTI SUZUKI Date of Birth 09/04/1946
Vehicle Model and Variant ALTO & XFUN LTD LXI Name of the Appointee (for Minor) NA
Cubic Capacity / GVW / HP 796 Relationship to the Nominee NA
Seating Capacity (Including Driver) 5 Insured Declared Value (IDV)
Carrying Capacity 5 Vehicle IDV 0.00
Colour Non Electrical Accessories IDV 0.00
Fuel Type PETROL Electrical Accessories IDV 0.00
Body type Saloon Trailer IDV 0.00
Year of Manufacture 2010 Fuel Value (CNG / LPG) IDV 0.00
Transmission Type Gear Fuel discerption for
Vehicle Usage Non Conventional Source
Car Parking Place Proposed Coverage
Financier Details Type of Cover
Financier Type Geographical Area Extn. yes
Financier Name Geographical Area India
Financier Address Mumbai Imported Vehicles without
PUC Details Custom Duty

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 PUC Number Fibre Glass Tanks N

Vehicle Used for Driving Tuition NO Infirm ity Details

Name of Automobile Association NO Involved / Convicted For Causing Any
Membership No Accident/Loss
Date of expiry of membership Pending Prosecutins Details
Annual Mileage 10000 - 20000 Km Date Of Accident
Voluntary Discount Loss /Cost
Anti-Theft Discount 0 Circumstance Of Accident / Loss
Auto Mobile Association Discount 0 Addon Cover
Vintage Car Consumable Expenses Protect
Used Confined to Own Premises Key and Locks Protect
Discount NCB Protect
Handicapped Discount Mandatory Deduction Protect
Restricted TPPD Personal Belongings Protect
Owner Driver Depreciation Protect
PA Unnam ed Passenger SI Engine Protect
PA Unnamed Passenger Number Invoice Value Protect
PA Named Passenger Number Emergency Medical Expenses Protect
PA Named Passenger - Name Road Side Assistance
PA Named Passenger - CSI Pillion Protect
PA Named Passenger - Nominee Personal Accident Protect
PA Named Passenger - Relations Tyre Protect
Legal Liability To Employees EMI Protect
Legal Liability To Employees Number Key and Locks Protect Plus
Consumables Expenses Protect Plus
Basic Coverage (Battery Protection)
EV Standalone Accessories
EV Private Charging Station
EV Optional PA to Owner Driver
Pay as You Drive
Pay How You Drive
Payment Details
Paym ent Mode Net Banking
Legal Liability To Paid Drivers Instrument Date 11/07/2024
Legal Liability To Other than Paid Instrument / Reference Number YSBI2378346049
Drivers Premium Amount 2470.92
Legal Liability To Employee who Intermediary Details
Probus Insurance Broker
are not "Workman" Interm ediary Nam e
Private Limited
Driver Details Intermediary Reference Code 2210000052
Driver Name Intermediary Contact Number 7304332968
Driver Relationship with the SELF Intermediary Email
Proposer Intermediary Sales Person's Name
Driver Date of Birth Intermediary Sales Person's Contact
Driver Occupation Servicing Branch Name
Experience - No. of Driving Years 1 Servicing Branch Code
Driver Suffer from Defective vision or
Hearing or any Physical Infirmity

I do not want the physical copy of my policy documents.

I want the physical copy of the policy documents to be sent to my address, as mentioned in the proposal form
* These documents w ill figure in phyical form unless our system allow s upload of information. There should be a corresponding sentence in this
box and it should read as 'Documents related to and submited in pursuance to this proposal shall form part of this proposal.'
*The information, together w ith all statements, disclosure, representation and declaration, received from you (proposer), as has been reproduced
above, forms the basis of the insurance policy issued to you. Please inform us (insurer) immediately in case of any error or omission contained in
such information.

Proposal Transcript Generation Date:06/10/2023 Time:12:01:34

As a go-green initiative, Zuno General Insurance Co. Ltd. shall be sending the policy documents to your e-mail address, as provided by you in this
proposal form.
 Zuno General Insurance Limited
Acknowledgment of Premium Receipt

Registered Office Address: 2nd Floor, Tower 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla
(West), Mumbai 400070
Issuing Office Address: 2nd Floor, Tower 3, B Wing , Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla(W),
Mumbai 400070
Product Name: Private Motor Car
Policy No: 402000231372

Office Code: 13 Office location: Maharashtra

Receipt No: Receipt generation date/time: 11/07/2024

Intermediary/agency name: Probus Insurance Broker

Intermediary/agency code: 2210000052
Private Limited
Policyholder's ID: 1000127971 Name of policyholder/financier: KHAGEN KALITA

Payment received from: KHAGEN KALITA Mode of payment: Net Banking

Instrument/transaction No: YSBI2378346049 Cheque drawn on:
Instrument date: 11/07/2024

Consolidated stamp duty paid vide letter of authorisation No. CSD/02/2023/4267/2023 dated 25-Oct-2023 at
General Stamp Office, Mumbai

Branch Address: Branch Address: 2nd Floor, Tower 3, B Wing , Kohinoor City Mall, Kohinoor City, Kirol Road,
Kurla (W),Mumbai 400070
Note: Premium amount is inclusive of GST.

Zuno General Insurance Lim ited, (Formerly know n as Edelw eiss General Insurance Company Limited) Registered Office: 2nd Floor,
Tow er 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:
U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free), 022 42312000 (Call charges applicable) Email: [email protected],
Website: w w w .hizuno.com, Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal Officer: +91 22 4231 2022, Dedicated Toll-Free
Number for Grievance: 1800 120 216216. Trade logo displayed above belongs to Zuno General Insurance Limited under license.
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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718