Welcome to Aditya Birla Insurance Brokers Limited, a subsidiary of Aditya Birla Capital Limited!

Dear MR. UMESH KUMAR,

We thank you for the trust you have shown by making us your preferred choice for your motor insurance needs. It͛s our pleasure to have
you as a valued customer. Aditya Birla Capital͛s protecting solutions enable you to protect against risks to you and your vehicle.
Your decision to choose your Motor Insurance under the Royal Enfield Secure Program will not only protect you against the risks, but it
also gives you a host of unique features such as:

‡ Instant online policy schedule cum certificate of insurance

‡ Online payment facility
‡ Fast, hassle-free and cashless claim settlements at the dealerships. Please note that the admission and settlement of claim is at
sole discretion of Insurance Company

What͛s more, this policy program is recognized by all Royal Enfield Secure Program dealers across the country, thus, leaving you with
even lesser worries! Please find enclosed the following:

‡ A Policy Schedule cum Certificate of Insurance, containing details of your vehicle insurance cover and premium calculation
‡ A Policy Wording Document with Terms & Conditions, as per your motor insurance policy. For detailed policy wording kindly refer
respective Insurance Company website
We hope that you were satisfied with all the insurance company options that were presented to you by your dealer and policy was
issued as per your choice of insurer
Meeting your life͛s money needs

Our purpose at Aditya Birla Capital is to make money matters simpler to understand to help you live the life you imagined. Therefore, all
ƚŚĞĮŶĂŶĐŝĂůƐĞƌǀŝĐĞƐďƵƐŝŶĞƐƐĞƐŽĨĚŝƚLJĂŝƌůĂ'ƌŽƵƉǁŝůůŶŽǁƐĞƌǀĞ/ŶĚŝĂĂƐŽŶĞďƌĂŶĚʹAditya Birla Capital. One trusted name you can
rely on to understand and meet all your money needs throughout your life.
While you have availed our Protecting solution through Motor Insurance under the Royal Enfield Secure Program, Aditya Birla Capital
ĂůƐŽŽīĞƌƐƚŽŚĞůƉLJŽƵŝŶ/ŶǀĞƐƚŝŶŐƉƌƵĚĞŶƚůLJĨŽƌLJŽƵƌĨƵƚƵƌĞƚŽĞŶĂďůĞLJŽƵƚŽůŝǀĞƚŚĞůŝĨĞLJŽƵĂƐƉŝƌĞ͖&ŝŶĂŶĐŝŶŐLJŽƵƌůŝĨĞ͛s immediate
desires and fueling your ambitions without having to wait; and in Advising the right solutions for your needs throughout your life.

We assure you of the best customer service always. Looking forward to a long and successful journey ahead!

Yours Sincerely,

Aditya Birla Insurance Brokers Limited

 Tata AIG General Insurance Co. Ltd.
Bundled Auto Secure - Two Wheeler Policy (1 Year Term for Own Damage & 5 Years for Third Party)
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989) UIN: IRDAN108RP0007V02201819
Policy No 0147317001 Proposal No. & Date P11243814, 12 Nov 2020
Policy Issued On 12 Nov 2020 6:35PM Period of Own Damage Cover 12 Nov 2020 6:35PM to 11 Nov 2021 11:59PM(Midnight) 1 Year
Period of Liability Cover 12 Nov 2020 6:35PM to 11 Nov 2025 11:59PM(Midnight) Period of Compulsory PA 12 Nov 2020 6:35PM to 11 Nov 2021 11:59PM(Midnight) 1 Year
5 Years Cover
Insured Name MR. UMESH KUMAR Previous Policy No. NA
Insured Add. AT-SAREYAN, PIPRA KALAN SIWAN, PIPRA , Previous Insurer NA
SIWAN , BIHAR-841244 GSTIN :NA
Nominee Name ABHISHEK KUMAR Age 20 Relation BROTHER
Servicing Office of Insurer 2nd Floor, KPS complex, Shankar Nagar, Ramna, Muzaffarpur- 842002, Bihar, MUZAFFARPUR , BIHAR- State Code-10
PAN: AABCT3518Q GSTIN: 10AABCT3518Q1ZB
Make Model Variant Cubic Capacity Manufacturing Year Seating capacity
Royal Enfield Motors India Ltd. METEOR 350-Meteor 350 - STELLAR RED 349 2020 2
Body Type Registration No. RTO Hypothecation/Lease* Fuel Type Chassis No.
BIKE New MOTIHARI No PETROL ME3J3A5FLL2003506
Vehicle IDV Elec. Accessories Non-Elec. Accessories CNG/LPG Kit Total IDV Engine No.
172,138 0 0 0 172,138 J3A5FLL2005001
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A)
Basic Premium Amount (Rs.) Discounts Amount (Rs.)

Vehicle 1,364 Voluntary Deductibles (0) (IMT-22A) 0

Non-Elec. Accessories 0 Anti Theft Device (IMT-10) 0
Elec. Accessories (IMT-24) 0 AA Membership (IMT-8) 0
Sub Total (Basic Premium) 1,364 No Claim Bonus (0%) 0
IMT 33 0 Sub Total (Discounts) 0
Add On 0
Geographical Area Extension (IMT-1) 0
Sub Total-Addition 1,364 Net Own Damage Premium (A) 1,364
Liability Premium (B)
Basic Third Party Liability (including TPPD) 5,453 PA Cover For Owner Driver Of Rs. 1,500,000 375
Geographical Areas Extention 0 PA For Paid Driver 0
PA Cover ( 0 Per Person) for 0 Persons 0
Sub Total (PA Cover) 375
Net Liability Premium (B) 5828
Total Premium (A+B) 7,192
SGST(9.00%) 648
CGST(9.00%) 648

Gross Premium Paid 8,488

Note: 1.Policy issuance is subject to realization of cheque
2.Consolidated stamp duty paid to state exchequer

3.The policy is subject to compulsory deductible of Rs.100 (IMT-22)

4.Geographical Area-India
*Subject to IMT Endt. Nos.& Memorandum:,22
Insured Declared Value :
The schedule of age-wise insured declared value(IDV) as shown in the below table is applicable for the purpose of Total loss including Theft/Constructive Total Loss(TL/CTL) claims only on basis of loss
date falling in the respective year. A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and/or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of
the IDV.
Tenure 12 Nov 2020 to 11 Nov 2021 - - - -
Total IDV 172138 0 0 0 0
Limitations as to use: The policy covers use of the vehicle for any purpose other than (1) Hire or Reward (2) Carriage of goods (other than samples or personal luggage) (3) Organized racing (4) Pace
making (5) Speed testing (6) Reliability trials (7) Any purpose in connection with motor trade.
Driver¶s Clause: Any person including the insured: Provided that the person driving holds an effective driving license at the time of the accident and is not disqualified from holding or obtaining such
license. Provided also that the person holding an effective learner s license may also drive the vehicle & that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989".
Limits of Liability Clause: 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 Vehicle Act 1988.Under Section II-1 (ii) of
the policy-Damage to third party property is Rs. 1.0 lakhs PA Cover Under Section III for Owner-Driver is Rs. .1,500,000.
No Claim Bonus: No Claim Bonus is subject to no claim on the previous policy. Benefits under the policy stands forfeited if claim is/was made in previous policy
Grievance Clause: For resolution of any query or grievance, Insured may contact the respective branch office of the company or may call at(18002667780)or may write an email at
(customer.support@tataaig.com). In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at(customer.support@tataaig.com) .In the
event of unsatisfactory response from the Grievance Office, he/she may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance. Details of Insurance Ombudsman
offices are available at IRDA website:www.irdai.gov.in , or on the website of General Insurance Council:www.gicouncil.in or on the company websitewww.tataaig.com. The policy wording with detailed
terms, conditions and exclusions are available on our websitewww.tataaig.com.
Hypothecation Details: ----NA---- MISP Name - RAJ MOTORS,MISP Code - AB-MRE000542
,DP Name: AWNISH KUMAR,DP Code: AB-DPRE000670-6455

Important Notice: The insured is not indemnified, if the vehicle is used or driven otherwise than in accordance with the schedule. Any payment made by the company by reasons 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 & RIGHT OF RECOVERY.
For legal interpretation, English version will hold good.
SAC : 997134 Description of Service : Motor Insurance Place of Supply : BIHAR(State Code-10) Insurer Invoice Number : 0147317001
I/we hereby certify that the policy to which this certificate relates as well as this certificate of insurance are issued in accordance with the provisions of Chapter X and Chapter XI of Motor Vehicle Act,
1988
For & On Behalf of Tata AIG General Insurance Co. Ltd.

Authorized Signatory
Broker Name & Add :Aditya Birla Insurance Brokers Limited ,Regd. Office: Indian Rayon Compound, Veraval - 362 266. Corporate Office: One Indiabulls Centre, Tower 1, 14th Floor, Jupiter Mill
Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Tel: +91-22-43568585 Fax: +91-22-4356 8511 License Number: 146 CIN: U99999GJ2001PLC062239 . Broker Code
:10000001926

Receipt No. - 0147317001,Payment Mode - APD

For Renewal/Claims assistance - please contact Insurance.Co./Broker through : RAJ MOTORS MOTIHARI at 09570-646111
1. It is hereby declared and agreed that any damages pre-existing ,any losses occured & any liability having been insured,prior to the communication of cover under this policy
are excluded from the scope of this policy
2. Updating Registration Number of Vehicles within 15 days of policy inception is MANDATORY as per IRDA. Kindly provide the same to your agent/Our call centre/Policy
issuing branch (Applicable for policies booked without Registration No of vehicles)

As a responsible broker, we take a complete systematic approach to ensure that the IDV for the vehicle of age exceeding 5 years would be determined mutually by insurer
motor insurance opted by you meets their requirements and triggers the best way at and insured.
the time of need. Schedule of depreciation for fixing IDV of the vehicle
Policy Cover - 50% for all rubber/nylon/plastic parts, tyres, tubes, batteries and air bags
- Loss or damage to your vehicle or the accessories due to: - 30% for all fiber glass components
- Nil for all parts made of glass

Natural Calamities: Fire, explosion, self ignition or lightning, earthquake, flood, In the case of painting, the depreciation rate of 50% shall be applied only on the
typhoon, hurricane, storm, material cost of total painting charges.

tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide. In the case of a consolidated bill for painting charges, the material component shall
be considered as 25% of total painting charges for the purpose of applying the
Man-made Calamities: depreciation.(Applicable for policies with risk inception date on or after 1st February
- Burglary, theft, riot, strike, malicious act, accident by external means, terrorist 2013).
activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, etc. For all other parts depreciation rate is applicable as following:

- Personal Accident cover for individual owners of the vehicle while driving. Age of the vehicle % of Depreciation

- Personal Accident cover for individual owners of the vehicle while driving. Not exceeding 6 months Nil
- Legal Liability due to accidental damage for Exceeding 6 months but not exceeding 1
5%
- Any permanent injury/death of a person year
- Any damage caused to the property Exceeding 1 year but not exceeding 2
- Towing Charges as applicable 10%
years
Exceeding 2 years but not exceeding 3
Optional Extensions 15%
years
- Loss of Electrical/Non-Electrical accessories Exceeding 3 years but not exceeding 4
25%
- Legal Liability to paid driver, cleaner or any workman years
- Personal Accident cover for the occupants Exceeding 4 years but not exceeding 5
35%
years
Other Salient Features Exceeding 5 years but not exceeding 10
40%
years
- No Claim Bonus available on subsequent renewals in lieu of claims free experience
Exceeding 10 years 50%

- Discount for opting higher voluntary excess Add On Cover

- Discount for installation of approved anti-theft devices Zero Depreciation - If opted, the benefits and exclusions applicable as per insurance
- Discount for AAI membership company's rules & regulations.
- Depreciation is applicable - No depreciation charges to the customer if the vehicle is repaired at authorized
for the parts needing replacement in accident garages
Nil depreciation on metal parts
What is not covered in the Policy? Nil depreciations on plastic parts (other insurance companies plastic parts attracts
- Mechanical/Electrical breakdown, manufacturing defect 50% depreciation)
- Consequential loss, depreciation, wear & tear - This cover is available only at time of purchase & cannot be incorporated in the
- Any contractual liability middle of the year
- Intoxicated driving - In the event of complete loss of the insured vehicle (Constructive Total Loss or
- Deliberate accidental loss Total Loss), no payment shall be made under this add-on.
- Damages due to nuclear weapons material or war - For any claim to become payable under this cover, it should be admitted under
- Accidents outside the Geographical Area Section I ʹLoss or damage to the vehicle insured of motor comprehensive policy
- Policy Excess - Normal wear and tear not included in this cover.
- Premium rate depends on vehicle model, territory & age of vehicle
Schedule of Depreciation
Schedule of depreciation for fixing IDV of the vehicle

Return to Invoice / Total Cover / New Vehicle Replacement - If opted the benefits
Age of the vehicle % of Depreciation
& exclution applicable as per Insurance Company's rules and regulations
For any claim to be payable under this cover, it should be admitted under Section I ʹ
Not exceeding 6 months 5%

Exceeding 6 months but not exceeding 1 ͞Loss or damage to the vehicle insured ͞of motor comprehensive policy.
15%
year
Exceeding 1 year but not exceeding 2 Note: If Add-on covers have been opted for in the policy, a maximum of two claims
20%
years will be processed for benefits accruing out of the add-on covers.
Exceeding 2 years but not exceeding 3 Subsequent claims in the policy period will be processed as per the normal insurance
30%
years covers without the add-on benefits.
Exceeding 3 years but not exceeding 4 Additional Deductible: For multi-year policy (2/3 Years),Rs 500 or 5% of the claim
40%
years value whichever is lower for third admissible claim in the policy tenure.
Rs 1000 or 10% of claim value whichever is lower for 4th or subsequent admissible
Exceeding 4 years but not exceeding 5 claims during the policy tenure.
50%
years For 5 year package policy Rs.1000/- or 10% of the claim value whichever is higher for
6th or subsequent admissible claims during the policy period