Auto Secure - Commercial Vehicle Package Policy -

Goods Carrying Vehicle

Name DHAN GURU RAMDAS LANGER SEWA Unlock Policy Details at Your Fingertips

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PURHIRA CHANDIGARH BYE PASS ROAD
Address
HOSHIARPUR, HOSHIARPUR, -PUNJAB 146111 TATA AIG App
AND
https://taig.in/551c26a

Contact No. 98**15**00

Email ID PAR********@GMAIL.COM You can also visit our website WhatsApp us at

www.tataaig.com +91 9136160375

Drive with confidence, we have got you covered!

Thank you for choosing our Motor Vehicle Insurance Policy.
We've attached your Policy Schedule cum Certificate of Insurance. Visit www.tataaig.com for your Policy wording.

What is Covered

Loss of/Damage to the Vehicle We will provide coverage for any loss or damage to the vehicle caused by
Insured both Man made & Act Of God perils specified in the policy like fire, theft,
explosion, burglary, riots and many more.

Third-Party Liabilities We will indemnify the insured for third-party damages, including injury or
death of a third party or damage to third-party property resulting from
vehicle use as per provisions of Motor Vehicles Act 1988 and
amendments thereto.

Owner-Driver Personal Accident We will compensate the owner-driver for death or bodily injury caused by
Cover (If Opted) violent, accidental, external and visible means in direct connection with
the insured vehicle.
This cover pays up to 15 lakhs for injury/death. In the event of death
compensation shall be paid to legal representative.

What is not Covered

Any losses that may occur outside the geographical area as mentioned in
Losses Outside the Covered
Geographical Area policy schedule.

Consequential Loss A consequential loss is a loss that follows another loss that is caused by a
peril.

Unlawful Actions Driving without valid driving license or under influence of intoxicants,
overloading etc. Vehicle being used for purpose other than it is allowed.

War & War like Perils Damages due to nuclear weapons, war or war-like activities, hostilities,
invasions, or the act of foreign enemies.

Other Exclusions as mentioned in Policy Wordings

Here's your go-to guide to understand CV terminology. Click here to explore.

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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 Auto Secure - Commercial Vehicle Package Policy -
Goods Carrying Vehicle

Certificate of Insurance Cum Policy Schedule

Agent Name: HARVINDER Agent Contact No.:

Agent License Code: 5366785
KAUR 9815151300
Policy Details: Vehicle Details:

Policy No. 6301429860 01 00 Registration No. PB07CD2025

Insured’s Name DHAN GURU RAMDAS Make / Model / Body MAHINDRA/BMT Plus/P
LANGER SEWA Type / Segment ower Steering BS6 1.2/
OPEN/TRUCK
Address PURHIRA CHANDIGARH
BYE PASS ROAD HOSHI Engine No. / Motor TLM4L86893
ARPUR, HOSHIARPUR, No. (for EV)
PUNJAB, 146111
Chassis No. MA1ZP2TLKM6M25401
Period of Insurance 15/03/2025 00:00
Hours To 14/03/2026 CC/KW 2523
Midnight GVW 2700
Insured/Lessor GSTIN NA Licensed Carrying 2
Insured ID 6159794592 Capacity Including
Driver
Alternate Policy No. N/A
Mfg. Year 2021
Policy Code 00/00/3189/01
Hire Purchase / NA
Place of Supply PUNJAB Hypothecation /
Lease with
State Code 03
Contract / Loan /
Reference No.

RTO Location HOSHIARPUR

Zone C

Geographical Area INDIA

No. of Batteries 0

Battery No. 0

Cost of Battery 0

No. of Charger 0

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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Public Carrier / A1 GCV Public carriers

Private Carrier other than 3 wheelers

Insured Declared Value (IDV) ₹:

Non
Electrical/ Bi-
Vehicle Chassis Electrical Trailer
Body IDV Electronic Fuel/CNG Total IDV
IDV IDV Accessories IDV
Accessories /LPG Kit
IDV

531000 0 531000 0 0 0 0 531000

Schedule of Premium

Section - I Own Damage Premium Details (A): Section - II Liability Premium Details (B): (Provides
(Coverage for damage, theft, or loss to your own coverage for third-party damages, including
vehicle) injury or death of a third party or damage to
third-party property resulting from your vehicle
use.)

Own Damage Premium on Vehicle and Third-Party Premium

Accessories
Basic TP premium ₹ 16049.00
Basic OD Premium ₹ 1833.01
Legal Liability
Loadings under Own Damage Section
Add: Legal liability to paid driver - ₹ 100.00
Add: Cover for lamps, tyres/tubes ₹ 274.95 IMT 28 Number of persons:2
mudguards/Bonnet/side parts-IMT
23 TOTAL LIABILITY PREMIUM ₹16149.00

Discounts under Own Damage Section Net Basic Liability Premium (B) ₹16049.00

Less: No claim bonus (35%) ₹ 737.80 GST on Basic Liability Premium :

Total Own Damage Premium (A) ₹ 1370.00 SGST@6% ₹ 963.00

Section - I Add on Covers CGST@6% ₹ 963.00

Add: Depreciation Reimbursement ₹ 6531.30 Net Other Liability Premium (D) ₹ 100.00
(TA 01) GST on other liability cover :
Add: Consumable expenses (TA 09) ₹ 796.50 SGST@9% ₹ 9.00
Add: Repair of glass, plastic, fibre ₹ 0 CGST@9% ₹ 9.00
and Rubber (TA 06)
Net Premium (A+B+C+D) ₹24847.00
Total Add on Premium (C) ₹ 7328.00

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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Net Own damage Premium (A+C) ₹ 8698.00 SGST ₹ 1755.00

GST on own damage section CGST ₹ 1755.00

SGST@9% ₹ 783.00 Total Policy Premium ₹ 28357

CGST@9% ₹ 783.00

Drivers Clause: Persons or Classes of Persons Entitled to Drive: Any person including 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 goods at the time of the
accident and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles
Rules,1989.

Goods Carriage: Any person including 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 goods at the time of the accident and that such a person satisfies the
requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.

Non-Transport Vehicles: Any person including 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
and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.

Limitations as to Use: The Policy covers use only under a permit within the meaning of the Motor
Vehicle Act 1988 or such a carriage falling under Sub-Section (3) of Section 66 of the Motor Vehicle's Act
1988. The Policy does not cover use for a) Organised Racing b) Pace Making c) Reliability Trials d) Speed
Testing e) Use whilst drawing a trailer except the towing (other than for reward) of any one disabled
mechanically propelled vehicle.

Warranty for Goods Carrying Vehicles: Warranted that at no time the Gross Laden Weight of the
vehicle exceeds the Gross Vehicle weight mentioned in the Schedule of the policy.

Limits of Liability:

Under Such amount as is Under ₹ 7,50,000 Under

Section II- 1 necessary to meet Section II - 1 Section IV :
(i) of policy the requirements (ii) of policy
(Death of or of the Motor (Third Party
Bodily Vehicles Act, 1988. Property
Injury) Damage)

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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No. of Claims Covered under Depreciation 2

Reimbursement

Depreciation Reimbursement Option 5% of claim amount subject to minimum of

Rs.1500

PUC & Fitness Certificate: Warranted that the insured named herein/owner of the vehicle holds a valid
Pollution Under Control (PUC) Certificate and/or valid Fitness certificate, as applicable, on the date of
commencement of the Policy and undertakes to renew and maintain a valid and effective PUC and/or
fitness Certificate, as applicable, during the subsistence of the Policy. Further, the company reserves the
right to take appropriate action in case of any discrepancy in the PUC or fitness certificate.

Deductible Compulsory Deductible: ₹ 500.00 No Claim The insured is entitled for a No

Under Imposed Excess: ₹ 0.00 Bonus Claim Bonus (NCB) on the own
Section I Franchisee: ₹ 0.00 damage section of the Policy, if no
claim is made or pending during
the preceding year(s), as follows:
The preceding year 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 will only be
allowed provided the Policy is
renewed within 90 days of the
expiry date of the previous Policy.

Subject to:
A) IMT Endorsement Number: IMT 23, IMT 28,
B) TATA AIG Auto Secure EndorsementNumber (TA): TA 01, TA 09, TA 06,

Nomination Details:

Name of the Nominee Relationship with Name of Appointee (If Relationship with
Insured nominee is minor) Nominee

NA NA NA NA

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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We hereby certify that the Policy to which this Certificate relates as well as the Certificate of Insurance
are issued in accordance with the provisions of Chapter XI of the Motor Vehicles Act, 2019.

Consolidated Stamp Duty has been paid to the State Exchequer.

Policy Number: 6301429860 01 00 | GSTIN: 03AABCT3518Q1Z6
Service Account Code: 997134

For TATA AIG General Insurance Company Limited

docit-digital-sign
Digitally Signed by: Shammi Kapoor
Date: 13/03/2025
Location: Mumbai

Authorized Signatory

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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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 Vehicles Act, 1988 is recoverable from the Insured. See the clause
headed 'AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY'.
This Policy does not cover pre-existing damages as per Inspection photographs and Report.

Note: You are advised to go through the Policy Schedule cum Certificate of Insurance which is issued
based on information and declaration provided by you. Transcript of Information & Declaration is also
provided herewith to enable you to go through the same again and if any error/discrepancy is found in
respect of vehicle details, No Claim Bonus or any other information provided by you, it should be
brought to our notice within 15 days of receipt of this Policy for necessary correction along with the
supporting documents, otherwise it will be deemed to be correct. You may visit the company website at
www.tataaig.com for detailed benefits, terms & conditions and exclusions of the policy issued and held
by you. You may also reach us at our 24*7 helpline 1800 266 7780 in case you desire to have a printed
copy of Policy Wording. Our grievance redressal procedure and details about ombudsman are available
at the company website www.tataaig.com. You may also reach us at our 24*7 helpline 1800 266 7780
for grievance redressal procedure and details about ombudsman. Please note that any established fraud
of the insured will lead to cancellation of Policy ab initio with forfeiture of premium and non-
consideration of claim, if any. We will specifically seek confirmation on No Claim Bonus availed by you
from your previous insurer. In case we receive confirmation that you had lodged claim with them then
we will intimate you to pay the No claim Bonus Amount within 20 days. In case we don’t receive the No
Claim Bonus recovery then it will be adjusted against claim amount payable to you if any. This Schedule,
Policy terms and conditions available on the company website and Endorsements mentioned herein
above shall read together and word or expression to which a specific meaning has been attached to/in
any part of this Policy or of the Schedule shall bear the same meaning wherever it may appear. Any
amendments/modifications/alterations made on this system generated policy document is not valid and
the Company shall not be liable for any liability whatsoever arising from such changes unless written
request is made to the Company and the Company accepts the requested
amendments/modifications/alterations and records the same through separate endorsement.
Please carefully read the Customer Information Sheet (CIS) attached to your Policy.

Policy Servicing Office: UNIT NO - FF-5 ,1ST FLOOR, THE MALL COMPLEX SUTHERI ROAD,
HOSHIARPUR,PUNJAB , HOSHIARPUR , PUNJAB , 146001

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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Receipt

Receipt No. PD300013549244 Receipt 13/03/2025 Policy No. 6301429860 01 00

Date

Sr. Policy Mode of Total Utilized from the receipt for Balance
No. Number Payment Premium (₹) policy (₹) (₹)

1. 6301429860 28357 28357 0.00

01 00

Payer Name:
Notes:
1. This is a computer-generated receipt and does not require a signature.
2. Upon issuance of this receipt, all previously issued temporary receipts, if any, related to this Policy
shall be considered null and void.
3. Amounts received by cheque shall be subject to realization.
4. Any amount received in excess of the Premium is being/shall be refunded by the Company.

GSTIN: 03AABCT3518Q1Z6-PUNJAB Service Accounting Code: 997134

Revenue (consolidated) Stamp Duty duly paid vide Challan No. date for applicable cases.
Issuance of this receipt does not amount to acceptance of the risk by TATA AIG General Insurance
Company Limited. The Insurance cover for the risk shall be as per the terms conditions of the Insurance
Policy if and when issued.

Grievance Redressal Procedure: As per Chapter 7 of the IRDAI (Protection of Policyholders’ Interests,
Operations and Allied Matters of Insurers) Regulations, 2024.

UIN Numbers: Depreciation Reimbursement - UIN : IRDAN108RP0003V02200001/A0079V01201819 (TA

01). Consumable Expenses - UIN : IRDAN108RP0003V02200001/A0045V01201920 (TA 09). Repair of Glass,
Fibre, Plastic & Rubber - UIN : IRDAN108RP0003V02200001/A0013V01201213 (TA 06).

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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Transcript Of Proposal

1. Name (Registered Owner of the Motor Vehicle)*: DHAN GURU RAMDAS LANGER SEWA
2. Address for Communication*: PURHIRA CHANDIGARH BYE PASS ROAD HOSHIARPUR, 146111,
HOSHIARPUR, PUNJAB, INDIA
3. Vehicle Details:
Registration number: PB07CD2025 Make/Model/Body type/Segment: Mfg Year: 2021
MAHINDRA/BMT Plus/Power Steering
BS6 1.2/OPEN/TRUCK
Engine/ Motor Number: TLM4L86893 Chassis Number: CC/KW: 2523
MA1ZP2TLKM6M25401
Licensed Carrying Capacity Including No. of Batteries: 0 Battery No.: 0
Driver: 2
Cost of Battery: 0 No. of Charger: 0 GVW: 2700
Vehicle purchased on dated: 2022-05-15
Is battery provided by manufacturer(YES/NO): No
Is battery a part of Ex-showroom price of the vehicle: No
4. Fuel Type: DIESEL
5. Nature of goods carried (Hazardous/Non-Hazardous goods.): Non Hazardous
6. Insured’s Declared Value: 531000
7. Previous Insurance Particulars*:
Policy Number*: 6301429860 NCB Claimed: NA Date of Expiry*: 14/03/2025
Name of the Insurer*: TATAAIG NCB in previous
Policy: 25
Accident in the previous Policy period: NA Type of Cover:
Package (1 year OD + 1
year TP)
8. Policy Period desired from*: 15/03/2025 to Midnight of 14/03/2026
9. CPA Declaration Opted (Y/N) & Reason for not opting: No,
10. Financier’s Details: NA
11. Extra Benefits opted:
Cover Taken for Wider Legal Liability to Paid Driver (Y/N): Yes & Count of Person (2)
Liability to Employees Travelling/Driving the Vehicle (Other than Paid Driver) - No
Wider Legal Liability to Paid Driver (As per Workmen’s Compensation Act, Fatal Accident Act & Common
Law): 2
Legal Liability to Non-fare Paying Passengers other than Statutory Liability Except the Fatal Accidents
Act): NA
Compulsory PA cover for Owner Driver: ₹ NA Term: NA Years
Name of the Nominee & Age: NA, NA Relationship: NA
Name of Appointee (If Nominee is Minor): NA Relationship to the Nominee: NA

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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12. Restriction of Cover/Discounts/Concessions/Extended Covers:

Third-Party Property Damage Cover Restricted to 6,000 only: NO
Vehicle is Fitted with Anti-Theft Device Approved by ARAI: NO
13. Add on Covers: Depreciation Reimbursement,Consumable expenses,Repair of glass, plastic, fibre and
Rubber
14. Bank Details (Required for Refund / Claims): Name of the Account Holder:
Name of Bank & Branch: Account No.: IFSC Code of Bank:
15. Declaration for No Claim Bonus: (If NCB Confirmation is not submitted but NCB claimed)
I/We declare that the rate of NCB claimed by me/us is correct and that NO CLAIM has arisen in the
expiring Policy Period (Copy of Policy enclosed). I/We further undertake that if this declaration is found
incorrect all benefits under the Policy in respect of Section 1 of the Policy will stand forfeited.
16. I hereby give my consent to receive one page Insurance Policy.
17. AML Guidelines: 1. I/we hereby confirm that all premiums paid/payable in future will be from bonafide
sources and not paid out of proceeds of crime and that such premiums are not disproportionate to
my/our income. I/we understand that the Company has the right to call for documents to establish
sources of funds and to cancel the insurance policy in case I/we are found guilty by any competent
court of law under any of the statutes, directly or indirectly governing the prevention of money
laundering law in India.
2. I/we are not Politically Exposed Persons* nor are their close relatives / family members / associates.
I/we shall keep the company informed if we subsequently become a Politically Exposed Person / close
relative / family member / associate of Politically Exposed Persons. “Politically Exposed Persons” shall
have the meaning assigned to it under Prevention of Money-Laundering (Maintenance of Records)
Amendment Rules, 2023 as amended from time to time.
Disclaimer : Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms & conditions, please refer sales brochure/policy wordings on
www.tataaig.com carefully, before concluding a sale. Add On covers can only be purchased with the base product and on payment of an additional premium. The trade logo displayed above
belongs to Tata Sons Private Limited and AIG and is used by TATA AIG General Insurance Company Limited under License.

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24x7 Toll Free No.: 1800 266 7780 or 1800 22 9966 (For Senior Citizens) • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425 • UIN: IRDAN108RPMT0050V03201819

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