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

Dear MRS. LIKHI SARATH,

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

 Universal Sompo General Insurance Co. Ltd.
Stand-Alone Motor Own Damage Policy - Two Wheeler
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989) UIN: IRDAN134RP0002V01201920
OD Policy No 2369/72734761/S0/000 Proposal No. & Date P25610268, 03 Feb 2024
Policy Issued On 03 Feb 2024 3:07PM Period of Own Damage Cover 07 Feb 2024 12:00AM to 06 Feb 2025 11:59PM(Midnight) 1 Year

Insured Name MRS. LIKHI SARATH Previous Policy No. 54078784

Insured Add. 14C, SFS SILICON COURT, SEAPORT AIRPORT Previous Insurer IFFCO Tokio General Insurance Co. Ltd.
ROAD, OPP CEPZ, KAKKANAD, CSEZ,, ERNAKULAM
, KERALA-682037 GSTIN :NA
Servicing Office of Insurer Building [Link]/54/3106C, ,Grace Corner, K.K. Road Subash Chandra Bose Road Junction,,Oppo. Petrol Pump, Kadavanthara, Kochi 682 020,KOCHI , KERALA-
682020 State Code-32
PAN: AAACU8917F GSTIN: 32AAACU8917F1ZF
Make Model Variant Cubic Capacity Manufacturing Year Seating capacity
Royal Enfield Motors India Ltd. HUNTER 350-HUNTER 350 DAPPER GREY 349 2023 2
Body Type Registration No. RTO Hypothecation/Lease* Fuel Type Chassis No.
BIKE KL 07 DA 3089 ERNAKULAM Yes PETROL ME3J3D5FAP1021292
Vehicle IDV Elec. Accessories Non-Elec. Accessories CNG/LPG Kit Total IDV Engine No.
130,763 0 0 0 130,763 J3A5FAP1060921
Liability Policy Insurance Liability Policy Start
Liability Policy No. Liability Policy End Date
Comp. Date
IFFCO Tokio General
54078784 07 Feb 2023 06 Feb 2028
Insurance Co. Ltd.
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A)
Basic Premium Amount (Rs.) Discounts Amount (Rs.)

Vehicle 1,036 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) 1,036 No Claim Bonus (20%) 208
IMT 33 0 Sub Total (Discounts) 208
Add On (NIL DEP) 759
Geographical Area Extension (IMT-1) 0
Sub Total-Addition 1,795 Net Own Damage Premium (A) 1,587
SGST(9.00%) 143
CGST(9.00%) 143

Gross Premium Paid 1,873

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.0 (IMT-22)

[Link] Area-India
*Subject to IMT Endt. Nos.& Memorandum:3,22
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 07 Feb 2024 to 06 Feb 2025 - - - -
Total IDV 130763 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".
Note: This policy covers damages to vehicle only and not the Third Party losses. Third Party cover is taken by the customer in previous policy, details of which are as per the customer declaration only.
Customer needs to ensure that there is a valid TP cover at all times.³Own Damage Cover is subject to a valid Third Party Policy.´This Policy covers only Own Damage Risk with no other liability in
connection with Two Wheeler vehicle including third party cover and is issued basis the following : Third party Policy no. ±valid from 07 Feb 2023 to 06 Feb 2028, Insured by IFFCO Tokio
General Insurance Co. Ltd..
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(Across Assist Pvt. Ltd - 011-4222-1424)or may write an
email at(contactus@[Link]). In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at
([Link]@[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 IRDAI 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].
Hypothecation Details: STATE BANK OF INDIA , ERNAKULAM - ERNAKULAM MISP Name - ABIBL DIRECT,MISP Code - ABIBL-DIRECT

IRDAI Registration No.: 134

Important Notice: The insured is not indemnified, if the vehicle is used or driven otherwise than in accordance with the schedule.
SAC 997134 Description of Service : Motor Insurance Place of Supply : KERALA(State Code-32) Insurer Invoice Number :
05HY230012696
For & On Behalf of Universal Sompo 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 World Centre, Tower-1, 7th floor, Jupiter Mill
Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013. Tel. No.: +91 22 43568585. Fax: +91-22-4356 8511 License Number: 146 CIN: U99999GJ2001PLC062239 . Broker Code
:10000001926

Receipt No. - 05HY230012696,Payment Mode - Online

The Compulsory Personal Accident cover has not been opted in this policy as the Owner driver has a separate existing Personal Accident cover against Death and Permanent Disability (Total and Partial)
for Sum Insured of at least Rs.15 lakhs.
For Renewal/Claims assistance - please contact [Link]./Broker through : ROYAL ENFIELD KOCHI BRAND STORES COCHIN at 0484-6494990
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:

Age of the vehicle % of Depreciation

Not exceeding 6 months Nil

Exceeding 6 months but not exceeding 1

5%
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
15%
years
Exceeding 3 years but not exceeding 4
25%
years
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
- Discount for AAI membership Addon Cover(s): If opted, the benefits and exclusions applicable as per insurance
- Depreciation is applicable company's rules & regulations. Coverage Details : Nil Dep- Nil Depreciation , RTI-
for the parts needing replacement in accident Return To Invoice, EP-Engine Protect, EME- Emergency medical expense The details
furnished above do not constitute the entire terms & conditions. For details please
What is not covered in the Policy? refer to insurance company's Policy Document on insurance company's website:
- Mechanical/Electrical breakdown, manufacturing defect [Link]
- Consequential loss, depreciation, wear & tear
- Any contractual liability
- Intoxicated driving
- Deliberate accidental loss
- Damages due to nuclear weapons material or war
- Accidents outside the Geographical Area
- Policy Excess

Schedule of Depreciation
Schedule of depreciation for fixing IDV of the vehicle

PUC Clause: Warranted that the insured named herein/owner of the vehicle holds a
valid Pollution Under Control (PUC) Certificate as applicable, on the date of
Age of the vehicle % of Depreciation commencement of the policy. The insured also undertakes to renew and maintain a
valid and effective PUC Certificate, as applicable, during the subsistence of the
policy.

Not exceeding 6 months 5%

Exceeding 6 months but not exceeding 1

15%
year
Exceeding 1 year but not exceeding 2
20%
years
Exceeding 2 years but not exceeding 3
30%
years
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