Dear RAMESH KUMAR ,

Welcome to the world of Aditya Birla Capital!

We thank you for the trust you have shown by making us your preferred choice for your protecting 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.

In case of any unforeseen event of a claim, just inform the customer care centre of the insurance company and visit the nearest
preferred workshop and they will ensure fast and hassle-free cash-less claim settlements across the country in preferred garages.
Admission and settlement of claim is at the sole discretion of the insurance company.
Enclosed herewith are the following:

‡ A Policy Schedule cum Certificate of Insurance, containing details of your vehicle insurance cover and premium calculation
‡ Summary of policy terms & conditions.

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, Aditya Birla Capital also offers to help you in Investing prudently for your future
to enable you to live the life you aspire. Financing your life͛s 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.
TWO WHEELER PACKAGE POLICY (Product Code: 3005) - CERTIFICATE
CUM POLICY SCHEDULE
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989)
UIN No : N/A

Policy No. 064001/0185041775000000/00 Policy Type : R Proposal No. & Date

PR308344, 30 Nov 2022
Policy Issued On 30 Nov 2022 7:19PM Period of Own Damage Cover
01 Dec 2022 12:00AM to 30 Nov 2023 11:59PM(Midnight) - 1 Year
Insured Name RAMESH KUMAR Period of Liability Cover 01 Dec 2022 12:00AM to 30 Nov 2023 11:59PM(Midnight) - 1 Year
Insured Add. SAD DSAD , RANCHI , JHARKHAND-814114 GSTIN No: Period of PA Cover NA
Previous Insurer / Previous ICICI Lombard General Insurance Co. Ltd. /
Invoice Date 01 Nov 2015 GFDG47F4D4G4747FDG
Policy No.
PAN: Service Tax Code No: AABCT3518Q
Servicing Office of A-6, 6th Floor, Trade World, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai-13,,,MUMBAI , MAHARASHTRA-,GSTIN
Insurer: No:27AABCT3518Q1ZW(STATECODE:27)
INSURED MOTOR VEHICLE DETAILS INSURED DECLARED VALUE (IDV) (in Rs.)
Make TVS Vehicle IDV 12600
Model-Variant XL.-SUPER 70 Non-Elec. Accessories 0
Registration No.-RTO JH01AQ4025- RANCHI Elec. Accessories 0
Mfg Year-Body Type 2015- SCOOTER Total IDV
12600
Engine -Chassis No. FDF7DSFFDS47F74DS- FDSF4747DS478FDSF
Cubic-Seating capacity 70- 2 Fuel Type : PETROL
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A)
Basic Premium Amount(Rs) Deductibles Amount(Rs)
Vehicle 0 Voluntary Deductibles (0) (IMT-22A) 0
Non-Elec. Accessories (IMT-24) 0 Anti Theft Device (IMT-10) 0
Elec. Accessories (IMT-24) 0 AA Membership (IMT-8) 0
Sub Total (Basic Premium) 0 No Claim Bonus (0%) 0
IMT-33 0 Sub Total (Deductibles) 0
Geographical Area Extension (IMT-1) 0 Net Own Damage Premium (A) 0
Add On Coverages 0
Liability Premium (B)
Third Party Liability PA Cover and Legal Liability
Basic Third Party Liability (Including TPPD) 538 PA Cover For Owner Driver (IMT-15) 0
Third Party Liability For Geographical Area Extension 0 PA Cover ( 0 Per Person) for 0 Persons(IMT-16) 0
Sub Total (Third Party Liability) 538 PA Cover For Paid Driver Of Rs.1 Lakh(IMT-17) 0
Legal Liability For Paid Driver (IMT - 28) 0
Legal Liability For Employees For 0 Person(IMT-29) 0
Sub Total (PA Cover) 0

Net Liability Premium (B) 538

Total Premium (A+B) 538

IGST(18%) 97

Gross Premium Paid 635

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.
Note: [Link] issuance is subject to realization of cheque [Link] stamp duty paid to state exchequer. [Link] policy is subject to compulsory deductible of Rs.100 (IMT-22).[Link] [Link] insurance company
will display terms & conditions on its website [Link] Stamp duty Paid vide Letter of Authorisation No. CSD/242/2021/542 dated 12th Feb 2021** Not Applicable for the State of J&K [Link] which can be accessed
by you online. *Subject to IMT Endt. Nos.& Memorandum:21
Tenure 01 Dec 2022 to 30 Nov 2023 - - - -
Total IDV 12,600 0 0 0 0
Nominee Name Age --N.A- Relation
Disclaimer : The Compulsory Personal Accident cover has not been opted in this policy on account that, the Owner driver has a existing separate Compulsory Personal Accident cover against Death
and Permanent Disability (Total and Partial) for Sum Insured of at least Rs.15 lakhs.
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 Vehicle 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 [Link] Section II-1 (ii)
of the policy-Damage to third party property is Rs.1 lakhs PA Cover Under Section III for Owner-Driver
No Claim Bonus: The insured is entitled for a No Claim Bonus (NCB) on the own damage section of the policy, if no claim is made or pending during the preceding year(s)-20%, preceding two
consecutive years-25%, preceding three consecutive years-35%, preceding four consecutive years-45%, preceding five consecutive years-50% of NCB on OD Premium. NCB is allowed provided the
policy is renewed within 90 days of the expiry date of the previous policy.
Hypothecation Details: ----NA----

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 ³AVOIDANCE OF CERTAIN TERMS & RIGHT OF
RECOVERY´For legal interpretation, English version will hold good.
Grievance Clause:For resolution of any query or grievance, Insured may contact the respective branch office of the company or may call at(6735634634)or may write an email at
(Customersupport@[Link]). In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at
(Customersupport@[Link]) .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:[Link] , or on the website of General Insurance Council:[Link] or on
the company [Link]. The policy wording with detailed terms, conditions and exclusions are available on our [Link].

HSN : 997134,Description of Service : Motor Insurance,Place of Supply : A-6, 6th Floor, Trade World, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai-
13,,,MUMBAI , MAHARASHTRA-,GSTIN:27AABCT3518Q1ZW(State Code :27),Invoice Number : 0185041775000000
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's Name & Add. :Aditya Birla Insurance Brokers Limited,, IRDA License Number 146, Broker Code :10000001926
Insurer's IRDA Registration Number-::108
For Renewal/Claims Assistance - Please contact [Link]. on 1800-266-7780

Natural Calamities: Fire, explosion, self ignition or lightning, earthquake, In the case of painting, the depreciation rate of 50% shall be applied only on the
flood, 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
Man-made Calamities: considered as 25% of total painting charges for the purpose of applying the
- Burglary, theft, riot, strike, malicious act, accident by external means, terrorist depreciation.(Applicable for policies with risk inception date on or after 1st February
activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, 2013).
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

- Legal Liability due to accidental damage for any permanent injury/death of a person. Not exceeding 6 months Nil

- Personal Accident cover for individual owners of the vehicle while driving.
Exceeding 6 months but not exceeding 1 year 5%

- Any damage caused to the property

- Towing charges up to Rs.300 Exceeding 1 year but not exceeding 2 years 10%

Optional Extensions Exceeding 2 years but not exceeding 3 years 15%

- Loss of Electrical/Non-Electrical accessories

Exceeding 3 years but not exceeding 4 years 25%
- Legal Liability to paid driver, cleaner or any workman
- Personal Accident cover for the occupants
Exceeding 4 years but not exceeding 5 years 35%

Other Salient Features

Exceeding 5 years but not exceeding 10 years 40%

- 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 If opted, the benefits and exclusions applicable as per insurance company's rules &
- Discount for AAI membership 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 ±"Loss 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

This will not include any penalties, charges, fees levied by the financier. For any claim
Age of the vehicle % of Depreciation to be payable under this cover, it should be admitted under

Section I ±³Loss or damage to the vehicle insured³of motor comprehensive policy.

Not exceeding 6 months 5%

Note: If Add-on covers have been opted for in the policy, a maximum of two claims
Exceeding 6 months but not exceeding 1 year 15% will be processed for benefits accruing out of the add-on covers.
Subsequent claims in the policy period will be processed as per the normal insurance
Exceeding 1 year but not exceeding 2 years 20% covers without the add-on benefits.

Exceeding 2 years but not exceeding 3 years 30%

Exceeding 3 years but not exceeding 4 years 40%

Exceeding 4 years but not exceeding 5 years 50%