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Comprehensive Plan >
Policy Number: DBCR10395436525/00
Bike Reg. no. Policy Policy
Starts Expires
Suzuki Lets WB20AJ9190 2025 2026
Bike Owner
Value
Insured 23 22
July July
JAYDEB SADHUKHA 8,436
Plan Coverages
This is a comprehensive plan that offers complete coverage for damages to your bike as well as third-party
liability for one year.
Own Damage
Accide Coverage for damages and losses to your vehicle resulting from accidents and
nt Fire collisions. Coverage for damages and losses to your vehicle resulting from accidental
Theft fires.
Calamitie Coverage for losses (up to the total declared insurance value) in the event of theft of your
s vehicle.
Coverage for damages and losses resulting from calamities such as earthquakes, floods,
Third Party
Covers financial or legal losses due to damage to any third-party person (unlimited) or
Third Party property (up to Rs. 1 Lac).
What's not covered
Non-Accidental Damages resulting from wear and tear, breakdowns, and
mechanical failures.
Regular wear and tear of these items is not covered by the policy. However, if the items are
Tyres & Tubes damaged in an accident along with the vehicle damage, they will be covered with a 50%
depreciation cut.
Undeclared Non-OEM If you are installing non-OEM parts such as halogen bulbs, stereos, or bifuel kits, please inform
QUICK In case of an accident or breakdown, all you have to do is inform ACKO, and we will
TIP take care of everything!
Had an accident?
3 easy ways to claim!
FASTEST
Via Visit Call us
Acko app www.acko.com 1800 266 2256
How do I claim with ACKO?
STEP 1 STEP 2 STEP 3
We settle
Inform ACKO first via We handle
approved
acko. com or Acko app your claim
claim
Track realtime status of your repair/claim on our
Acko App
What are my out of pocket expenses?
Compulsory You will be charged 100 at the time of claim. This amount is fixed across insurance
Deductible companies and as regulated by Motor Tariff.
100
What are the reasons my claim might get rejected?
Commercial usage of the bike
If the bike is registered as a private vehicle and is used for commercial purposes, then the losses or
liabilities due to accidents during such usage are not covered under this policy.
Aggravated loss
Aggravated loss refers to the damage caused to a vehicle resulting from its continued use after it has
been damaged in an accident.
Illegal Driving
Damage resulting from a person driving the bike without a valid driving license or under the influence of
liquor/drugs is not covered under this policy.
QUICK If you don't make any claims during your policy period, you'll be eligible for an
TIP increased No Claim Bonus discount.
Acko's GSTIN: 29AAOCA9055C1ZF
Bike & Premium details(Two Wheeler Package Policy)
Certificate of insurance cum policy schedule
Bike & bike owner details
Registration number WB20AJ9190 Name JAYDEB SADHUKHA
Reg. Authority WB-20 Email so***********@gmail.c
name ID om
Bik Suzuki Lets Phone 92******
e number 03
Hypothecati NA 70002
on 3
Registration 2014 Place of West
year supply Bengal
Engine CC/ Fuel 113/
type Petrol
Engine AE21103666
number 5
Chassis MB8CE46AJE8136786
number
What you paid to ACKO - Comprehensive Plan
Own Damage Premium (A) Liability Premium (B)
Basic Own Damage 50.00 Basic Third Party 714.00
NCB Discount(50%) - 25.22
Net Own Damage Premium (A) 24.78 Net Liability Premium (B) 714.00
Total Package Premium (A+B) 739.00
IGST (18%) 134.00
Total Premium 873.00
Previous Policy document is required in case of claim within 30 days of Acko Policy Start Date
Reverse Charge-Not applicable
For Acko General
Insurance Ltd.
Constituted Attorney
Things to know about calculation of depreciation during claims
What is Depreciation? It is the factor that affects the value of bike & it's parts with time due to wear and tear so the
insurer considers depreciation factor and would pay you the claims only after deducting the depreciation. If you already
have a Zero depreciation plan you may not worry about these deductions due to depreciation.
Depreciation applied at the time of claim
Depreciation % on various parts Depreciation % on Metal parts
For all plastic, rubber, nylon parts & batteries 50% Under 6 months 0%
For fibre components 30% 6 months to 1 year 5%
For glass components 0% More than 1 year to 2 years 10%
For Paint Material 50% More than 2 years to 3 years 15%
More than 3 years to 4 years 25%
More than 4 years to 5 years 35%
More than 5 years to 10 years 40%
More than 10 years 50%
Let's understand Zero depreciation cover with an example.
Let's say your bike meets with an accident and the front fender which is made of plastic gets
completely damaged! Sad
Repair Cost : 10,000
Depreciation cost on plastic materials is flat 50%
Without zero depreciation plan
Depreciation Cost to be paid by Customer - 50% of 10,000 = 5000
With zero depreciation plan
You don't have to pay the depreciation cost so you save 5000 in this case
Do more with Acko app!
Register One click Looking
& Track renewal of to insure
your your Policy! your
claims family
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update details Policy to
in your Digilocker!
policy?
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buy new insure your
insurance? health?
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challan holiday trip?
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QUICfi
Now you can view your pending e-challans at
TIP Acko app
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 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 - Rs. 100000.0
3. P. A. Cover under Section III for Owner - Driver (CSI): Rs. 0.0
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.Stamp Duty of Rs 0.50 is paid as provided under Article 47
of Indian Stamp Act, 1899 and included in the Consolidated Stamp Duty paid with the Department of Stamps, Bengaluru -
Karnataka
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”.
Intermediary details:
Policy issue office Bengaluru Intermediary name Acko General Insurance
Phone number NA Intermediary code 218
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. Please note that the insured vehicle
was pre-inspected and a report was prepared accordingly. The existing damages to the vehicle as mentioned in the report
shall not be paid by the Company. The policy is issued basis the information provided by you, which is available with the
company. This policy is to be read in conjunction with the policy wordings (https:// www.acko.com/download) available on
the website of the company. On renewal, the benefits provided under the policy and/or terms and conditions on the policy
including premium rate may be subject to change. In case of any kind of total loss or theft, settlement will be done after
adjusting for subsidy. In case of discrepancy/non recording of relevant information in the policy, the insured is requested
to bring the same to the notice of the company within 15 days.
Prohibition of rebates (section 41) of the insurance act - 1938 (as amended)
1. No person shall allow or offer to allow, either directly or indirectly as an inducement to any person to take out or renew
or continue and insurance in respect of any kind or risk relating to lives or property in India, any rebate of the whole or
part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or
renewing or continuing a policy accept any rebate expect such rebate as may be allowed in accordance with the
prospectus or tables of the Insurer.
2. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend
to 10 lakh rupees.
For Acko General Insurance
Ltd. Duly Constituted
Attorney
ACKO General Insurance Limited
Product: Two Wheeler Package IRDAI Reg No.:
Acko Address - 36/5, Hustlehub One East,
Policy CIN : 157 HSN: 997134
Somasandrapalya 27th Main Rd, Sector 2,HSR Layout,
U66000KA2016PLC138288
Bengaluru, 560102
UIN : IRDAN157RP0002V02201819
Proposal Form
Dear JAYDEB SADHUKHA,
We wish to inform you that the Insurance policy number DBCR10395436525/00 has been issued on the basis of the
information and declaration given by you, the transcript whereof is mentioned below.
Please be informed that this Policy shall be construed to be void ab initio/invalid in the event we find that you have not
disclosed material or correct information required for the purpose of providing the below insurance cover and in case of any
claim arising under the policy in such a scenario, we shall be under no obligation whatsoever to settle such claim to you
and the premium paid by you under this policy shall stand fully forfeited.
Policy Details Bike owner details
Period of insurance 23 Jul 25 12:00 AM to 22 Name JAYDEB SADHUKHA
Jul
Email
26 11:59 PM
Policy issuance date
22 Jul 25 10:28 PM so***********@gmail.com
Mobile number 92******03
NCB 50%
Pincode 700023
Bike details Previous policy details
Bike WB20AJ919 Previous policy Not
0
number expired Previous Expired National
Suzuki
Make/ Lets policy insurer Insurance Co. Ltd
Model Type privat
Fuel type e
Registration year Petro
Premium receipt
Invoice DBCR10395436525/0
0
number Net
739.00
Premium
134.00
IGST (18%)
873.00
Total Premium
Insured Declared Value (IDV)
Tenure Period Vehicle IDV ( ) Total IDV ( )
Year 1 23rd Jul 25 to 22nd Jul 26 8,436 8,436
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 of CGST Rules 2017. We are not required to prepare an invoice
In terms or the provisions or the said sub-rule.
