HDFC ERGO General Insurance Company Limited

Certificate of Insurance cum Policy Schedule

Policy No. 2312 1001 0405 1200 000

Two Wheeler Package Policy

Insured Name Gaurav Joshi RTO BENGALURU

Correspondence #317 NGR LYT RAMAIAH COMPOUND,11th CRS ROOPENA Registration #317 NGR LYT RAMAIAH COMPOUND,11th CRS ROOPENA
Address AGRAHARA ,BENGALURU -560035 Address AGRAHARA ,BENGALURU -560035
Mobile 9632245178 Phone - E Mail gjoshi.gaurav1991@gmail.com Registration No. KA-01-EZ-9219
Period of Insurance From Date & Time 01/03/2023 00:01 hrs To Date & Time 28/02/2024 Midnight Policy Issuance Date 27/02/2023
Seats(Incl.
Make Model - Variant Engine No Chassis No Mfg Yr Body Type CC
of side car)
BAJAJ AUTO. PULSAR-200 NS JLZCCF15997 MD2A36FZ0CCE15940 2012 2 OPEN 200

Insured's Declared Vehicle (`) Side Car (`) Non Electrical Acc. (`) Electrical Acc. (`) CNG/LPG Kit (`) Total IDV (`)
Value (IDV) 48,083 0 0 0 0 48,083

Named Persons & Nominee (IMT-15)

Nominee (Owner Driver) Appointee
Premium Details(`)
Own Damage Premium (a) Liability Premium (b)
Basic Own Damage: 690 Basic Third Party Liability: 554

PA Cover for Owner Driver of `100000 50

Total Basic Premium
690

Less: No Claim Bonus (35%) Sub Total – Addition 604

Total - Less

242 Net Liability Premium (b) 604

242
Total Package Premium (a+b) 1052

Service Tax (Including Swachh Bharat Cess 0.50% as applicable) 14.50% 153
Net Own Damage Premium (a) 448 Total Premium 1,205
The total Premium amount is inclusive of NCB 35%
Geographical Area India Compulsory Deductible (IMT-22) ` 100 Voluntary Deductible (IMT-22A) ` 0
Payment Details: Fund Transfer No. TW1602016714 Dated : 27/02/2023 Drawn on BizDirect
Previous Policy No. 60480031146265000741 Valid from 26/12/2014 to 25/12/2015 of NATIONAL INSURANCE CO.LTD. No Claim Bonus 25%
If declaration found incorrect, benefits under the present policy in respect of own damage section will stand forfeited.
List of Endorsements
Endt No Description Effective Date End Date Premium (In ` )

LIMITATIONS AS TO USE: The Policy covers use of the vehicle for any purpose other than: a) Hire or Reward b) Carriage of goods (other than samples or personal luggage) c) Organized racing d) Pace making e) Speed testing f)
Reliability Trials g) Any purpose in connection with Motor Trade. Persons or Class of Persons entitled to drive: Any person including the insured, provided that a person driving holds an effective driving license at the time of the
accident and is not disqualified from holding or obtaining such a license. Provided also that the person holding an effective learner`s license may also drive the vehicle when not used for the transport of passengers at the time of the
accident and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989. Limits of Liability 1. Under Section II-1 (i) of the
policy - Death of or bodily injury - Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988. 2. Under Section II - 1(ii) of the policy -Damage to Third Party Property- ` 100000 3.P.A.
Cover under Section III for Owner - Driver(CSI): ` 100000 Terms, Conditions & Exclusions: As per the Indian Motor Tariff. A personal copy of the same is available free of cost on request & the same is also available at our
website.

I / We hereby certify that the policy to which the certificate relates as well as the certificate of insurance are issued in accordance with the provision of chapter X, XI of M. V.Act 1988. "The stamp duty of ` 0.50
paid by Demand Draft, vide Receipt/Challan no 116615201314 dated 31/10/2013 as prescribed in Government Notification Revenue and Forest Department No Mudrank 2004/4125/CR 690/M-1, dated 31/12/2004."
Service Tax Registration No.: AABCH0738EST004. IMPORTANT NOTICE: The Insured is not indemnified if the vehicle is used or driven otherwise than in accordance with this Schedule. Any payment made by the Company by
reason of wider terms appearing in the Certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from the Insured. See the clause headed "AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY."
Disclaimer: The Policy shall be void from inception if the premium cheque is not realized. In the event of misrepresentation, fraud or non-disclosure of material fact, the Company reserves the right to cancel the Policy from
inception.

Policy Issuing Office : LEELA BUSINESS PARK, 6TH FLR, ANDHERI - KURLA RD, MUMBAI, 400059. Phone No. : +91-22-66383600
For HDFC ERGO General Insurance Company Ltd.

Agent Name: POLICYBAZAAR INSURANCE WEB AGGREGATORS

PVT. LTD
Duly Constituted Attorney
Agent Code: 201714906552 Tel No.: 91-11-27561382

Registered & Corporate Office: 1st Floor, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai -
400 059. Toll Free : 1800-2-700-700 (Accessible from India only) | Fax : 91 22 6638 3699 | care@hdfcergo.com | www.hdfcergo.com
HDFC ERGO General Insurance Company Limited
Frequently Asked Question’s (FAQ’s) - Motor
Insurance

WHAT ARE THE MAJOR COVERS UNDER THE POLICY?

HOW DO I FILE A CLAIM?
Loss or Damage to the Insured Vehicle caused due to:
For Accidental Damage to Insured Vehicle (Own Damage Claims):
a. Fire, explosion, self ignition or lightning. b
◾Call our customer care Toll-free 1800-2-700-700 (Accessible from India only) if the vehicle meets with
Burglary, housebreaking or theft
c All act of God perils like earthquake, flood, cyclone etc d an accident and provide your policy number for reference and register the claim
◾Alternatively, you can visit and register on IPO (available on website/Download IPO app on your smart
Accidental external means, terrorism, riot and strike Liability
phone) by providing personal details, link your policy and register your claim under "Claims" tab
to Third Parties:
Provides cover for any legal liability arising out of the use of the vehicle for a Please keep the following details handy while intimating a claim
Accidental death / injury to any third party a. Policy No.
b Any damage to property owned by third party b. Registration details/ RC copy
Personal Accident Cover: c. Drivers details at the time of accident including driving license number
The policy provides for a mandatory Personal Accident cover for owner driver and optional cover for d. FIR on a case to case basis
passengers covering accidental death and permanent total disability e. Repair estimate

WHAT ARE THE MAJOR EXCLUSIONS OF THE POLICY? WHAT IS THE CLAIM PROCESS?
a. General aging, wear & tear, mechanical or electrical breakdown, failure, depreciation, any 1. If your vehicle can be driven, take it to the nearest dealer / garage.
consequential loss 2. Get a repair estimate, fill up the claim form and attach a copy of the registration certificate and driving
b. Damage by a person driving without a valid license license of the person driving at the time of the accident.
c. Damage by a person driving under the influence of liquor or drugs 3. If the garage is within our network, you could avail of cashless claim facility. Pay for non accident related
d. Loss/damage attributable to war, mutiny, nuclear risks repairs, depreciation and deductible. We would settle the rest.
e. Damage to tyres and tubes, unless damaged during an accident 4. If the garage is outside our network, you would have to get the claim reimbursed subsequently.
f. Usage on hire & reward (applicable for all classes except public commercial vehicles)
g. Loss or damage to bonnet side parts, mudguard, bumpers, lamps, tyres, tubes, headlights, paint work CLAIMS DOCUMENTS -
(applicable for all commercial vehicles; unless opted additionally) For ACCIDENTAL DAMAGE TO INSURED VEHICLE
h. Loss or damage resulting from overturning arising out of operation as a tool (applicable for mobile cranes, a. Duly filled and signed claim form & satisfaction voucher
drilling rigs, mobile plants, navvies, shovels, grabs, rippers unless opted for additionally) b. Registration Certificate (RC)
i. Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same c. Driving license of the person driving at the time of the accident
time (applicable to all commercial vehicles & two wheelers) d. Policy copy , original repair estimate, repair invoice
e. Payment receipt for non-cashless claims
TRANSFER OF INSURANCE (INCASE VEHICLE IS SOLD) f. Original repair invoice for cashless claims
a. No objection letter from the previous insured g. AML documents for amount more than 1 lac (PAN card, 2 passport size photo, residence proof)
b. Form 29/30, Sale Deed OR transferred RC copy. In case of smart card, RTO transfer fee paid receipt. h. Form 35 & original NOC from financer incase of total loss where payment is made to insured
c. Differential Premium if any (NCB recovery, PAto Owner - Driver etc) i. Acopy of police FIR/panchnama is required for TP injury / death / property damage
d. NOC from Financier, if applicable.
e. Pre-inspection is must if transfer request date is >14 days from the endorsed RC copy date Additional documents required for commercial vehicles:
f. Break-in loading >45 days ( if applicable) a. Spot survey b. Load challan c. Fitness certificate d. Route permit

Additional Documents
CLAIMS DOCUMENTS: IN CASE OF LOSS DUE TO THEFT
a. Incase of death of Insured - a. Death Certificate b. Legal heir certificate a. Duly filled and signed claim form & discharge voucher ( after loss settlement )
b. Incase of Employer to Employee transfer - a. Letter from Employer b. Original Registration Certificate (RC)
c. Original policy copy
WHAT CHANGES CAN BE DONE IN MY POLICY ENDORSEMENT d. Copy of FIR lodged at the nearest police station
e. All original keys & vehicle invoice copy
For Changes related to registration of vehicle or vehicle details like
f. No trace report confirming that the stolen vehicle is not traceable
a. Correction in registration number/ location / address
g. Original NOC from financer incase of hypothecation / HPA
b. Correction in vehicle make & model/ cubic capacity/ seating capacity/ engine & chassis
h. Intimation to RTO for theft of vehicle
number/manufacture year
i. Duly signed RTO transfer papers (Form 26, 28,29,30,35)
j. RC extract with stolen remark from the concerned RTO after the loss
To make above changes, you need following documents:
k. AML documents for amount more than 1 lac (PAN card, 2 passport size photo, residence proof)
a. Request letter for the change l. Deed of subrogation cum indemnity on judicial stamp paper
b. Policy copy
c. Registration Certificate copy /Invoice Copy for change in vehicle details WHAT IS NCB?
d. Cheque for additional premium if applicable
NO CLAIM BONUS (NCB):
NCB is provided for every claim free year basis the slab as provided by Tariff.
For addition of electrical and non electrical accessories, CNG & LPG Kit:
a. Request letter for the change How can I get No Claim Bonus Reserving Letter?
b. Policy copy NCB Reserving letter can be provided only on Sale of vehicle evidenced by transferred RC copy OR Sale Deed
c. Invoice copy (mandatory where value of accessory exceeds ` 20,000/-) and Form 29 & 30. The OD section of the policy needs to be transferred to the new owner or cancelled.
d. Endorsed Registration Certificate Copy (For CNG/LPG kit)
e. Cheque for additional premium HOW DO I RENEW MY POLICY?
E mail or Call us for additional premium details & send relevant documents copy to our customer service office d. Send a copy of the renewal notice along with
a. Visit www.hdfcergo.com to renew instantly
online premium cheque to our branch office
For Change of financier details (Hypothecation/Lease/Hire-Purchase) /Corporate office
b. SMS "RENEW <POLICY NO> " to 9999
a. Request letter for the change e. Call our toll free number 1800 2 700 700
b. Policy copy 700700
c. Visit our nearest branch / your agent (Accessible from India only)
c. Endorsed Registration Certificate copy HOW TO CONTACT US?
d. NOC from financier (not mandatory for deletion if RC is endorsed)
Call Toll-free :1800 2 700 700 (Accessible from India only)
Fax 022 6638 3669
For any endorsments on your policy you can contact us through any of the below mentioned modes: E mail us E-Mail :care@hdfcergo.com
at : care@hdfcergo.com OR Call Toll-free: 1800 2 700 700 (Accessible from India only) Write to us at :HDFC ERGO General Insurance Company Limited
OR Fax your request at: 022 6638 3669 OR Raise a service request on Insurance Portfolio Organizer (Customer service office)
th
6 Floor, Leela Business Park, Andheri Kurla Road, Andheri (East),
(IPO) from www.hdfcergo.com Mumbai - 400 059
IPO :Raise a service request on Insurance Portfolio Organiser (IPO)

Manage Your Portfolio ◾Link multiple ◾View/Edit your contact details

policies
Ver.Aug14

@ hdfcergo.com / ◾View/Email your ◾Set Renewal Reminders

policy ◾Create and track your interactions
Smartphones* ◾Register Motor claims ◾Locate our network garages/ branches
◾Track your claim
status
* supports smart phone based on Blackberry, iPhone, Windows 8 & Android platform. Download IPO mobile application from IPO website post log in
This document is a summary of the benefits offered. The information mentioned above is illustrative and not exhaustive. Information must be read in conjunction with the policy wordings.
In case of any conflict between this document and the policy wordings, the terms and conditions mentioned in the policy wordings shall prevail.