# extraction_results

original_filename: BAJAJ ALLIANZ GENERAL Policy (3)-1.pdf
status: FAILED
storage_path: uploads\a795d46f5e7a4befa7bd90e96b4cc2a4_BAJAJ ALLIANZ GENERAL Policy (3)-1.pdf
created_at: 2026-06-26 07:03:28
updated_at: 2026-06-26 08:36:52
raw_data:
  {"company_code": "tata_aig", "company_name": "TATA AIG", "fields": [{"field_name": "vehicle_registration_number", "value": "PLACEOFREGISTRATION", "confidence": 0.92, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "Chassis", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "chassis_number", "value": "Vehicle", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "private_car", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "tata_aig", "name": "TATA AIG", "confidence": 1.0}, "checksum": "19ca176e077c9816e007c508296adb82dfe208dc5368bb2ca360284c8147b3ee", "file_size": 151442, "raw_text": "BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LTD. Regd.Office&Head Office:Bajaj Allianz House,Airport Road,Yerawada,Pune-411006. IRDAI Registration No.113 Corporate Identity Number:U66010PN2000PLC015329 Policy Issuing,correspondenceaddressforcommunic- Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Com- ation by policy [or certificate of insurance] hold- plex,Civil Lines,KANPURNAGAR-208001PH:0512-2338277 er,policy/claimservicing,noticesandorsummons Insured Name SHEETAL. Policy Number OG-24-1302-1870-00000264 Welcometo Bajaj Allianz Family SHEETAL. D/OJASBIRSINGHR/OHNO-15QUTABGARHENCLAVE,COLONYQUTAB GARHNORTHWESTDELHI,QUTABAGARH,NORTHWESTDELHI,DELHI- 110039 Customer ID:400927114 Dear Customer, Thankyouforchoosing Bajaj Allianz General Insurerasyourpreferredinsurer.Bajaj Allianz General Insurance Company Limited,acon- sistentlyprofitableinsurerenjoysareputationofexpertise,stabilityandstrength.Weareacustomerfocusedmarketleaderpresentinover 200locationsacross India.Asanorganizationwestrivetounderstandtheriskmanagementneedsofourconsumersandtranslateitintoaf- fordableproductsandservicesofglobalqualitythatdelivervalueformoney.Bajaj Allianzhasan ISO Certifiedclaims,Operationsand Ser- vicesprocessesandhasreceivedi AA Aratingforthelastthreeconsecutiveyearsfrom ICRA Limited,anassociateof Moody's Investors Ser- vice,forclaimspayingability.Theratingindicateshighestclaimspayingabilityandafundamentallystrongpositionintheindustry. We request you to kindly go through the contents of the policy schedule and the terms and conditions. In case of any clarification or dis- agreement,pleasewritetousatbagichelp@bajajallianz.co.inwithinfifteendaysofreceiptofthispolicy. Weassureyouthebestofourservicesandlookforwardtoacontinualpatronageandassociationwithyou. For&onthebehalf Bajaj Allianz General Insurance Company Ltd. Authorized Signatory Forhelpandmoreinformation: Contactour24Hour Call Centreat1800-102-5858,1800-209-5858,Toll Free:30305858(chargeable,addareacodebeforethisnumberincaseofmobilecall) Emailusat Bagichelp@bajajallianz.co.inor Visitour Websitewww.bajajallianz.com Corporate Identification Number U66010PN2000PLC015329\n\nBajaj Allianz General Insurance Company Ltd. Regd.Office&Head Office:Bajaj Allianz House,Airport Road,Yerawada,Pune-411006 IRDAI Registration No.113 Corporate Identity Number:U66010PN2000PLC015329 Transcriptof Proposalfor Standalone Own Damage Coverfor Private Car Dear SHEETAL., We wish to inform you that the contract under policy number 'OG-24-1302-1870-00000264' has been finalized based on the proposal / information and declaration given by you, the transcript whereof is mentioned below. You are requested to reconfirmthesame.Incaseofanydisagreementorobjectionoranychangeswithrespecttoinformationmentionedbelow,we request you to please revert back within a period of 15 days from date of your receipt of this transcript along with Policy failingwhichitwillbedeemedthatyouhavepositivelyconfirmed/aresatisfiedwiththecorrectnessofthedetailsmentioned below. Kindly note that as the contents and declarations contained in this transcript is the basis on which we have issued the policy to you, we advise you to please ensure that you have provided/disclosed and or not withheld any material facts/information and declarations, as Policy becomes Void ab initio if material facts are not provided/disclosed and or withheldandinsuchcasenoclaim,ifany,willbeconsideredbyusapartfromforfeitureofthepremium. Detailsprovidedbyyou: A.Proposerdetails 1.Proposer Name : SHEETAL. 2.Proposer Address : D/OJASBIRSINGHR/OHNO-15QUTABGARHENCLAVE,COLONYQUTAB GARHNORTHWESTDELHI ,QUTABAGARH,NORTHWESTDELHI,DELHI-110039 3.Proposer Mobile Number : 9812878250 4.Proposer Residential Number : NA 5.Proposere-mailid : ANSHKUMARRTK@GMAIL.COM 6.Proposer Profession : NA B.Vehicle Details Registration Month/Year Vehicle Vehicle Vehicle Sub Cubic Capa- Fuel Type Yearof Man- Seating Ca- Number of Regn Make Model Type city ufacture pacity DL2CBC998 NOV/2021 MARUTI BALENO SIGMA 1197 Petrol 2021 5 7 NEW PETROL Engine Number Chassis Number Vehicle IDV(in Electrical Non-Electrical CNG/LPG Unit Total IDV(in Rs.) Accessories Accessories (Extrafitted) Rs.) IDV (in Rs.) IDV (in Rs.) IDV (in Rs.) K12MP4240134 MBHEWB22SM 458893 0 0 0 4,58,893.00 G743225\n\nC.Coverageopted From:20-SEP-202300:01(Hrs) 1. Own Damage Standalone Cover Periodof Insurance To:19-SEP-2024 Midnight From:20-SEP-2021 To Periodof Insurance :19-SEP-2024 Detailsof Active Third Party 2. Universal Sompo General Liability Policy Nameof Insurance Company Insurance Company Limited Policy Number 2367/64547444/00/000 3.Isyourvehiclefittedwithexternal LPG/CN Gkit : No. 4.Electrical Accessoriescover Opted(If Applicable) : No. 5.Non-Electrical Accessoriescover Opted(If Applicable): : No. 6.Is Voluntary Excessopted : No. Amountofvoluntaryexcessopted : Rs.NA. 7.compulsorydeductible : Rs.1,000.00 8.Isanyadditionalcompulsorydeductibleimposedandagreedupon : Yes. Amountofadditionalcompulsorydeductibleimposed : Rs.1000 9.Whethergeographicalareaextensionisopted : No. Detailsof Countriestowhichgeographicalareaextensioncoverisgiven : NA. 10.Pre Existingdamagesinthevehicle : NA. 11.Total Premium(excluding GST)for ODcoverages,quotedandagreeduponis : 12.Doyouhavevalid PU Ccertificateofthevehicle : NA 13.NCB(No Claim Bonus)claimedbyyouandgrantedbyusbasedonyour : -25%. declarationofnoclaimduringyourpreviouspolicy 14.Previous Own Damage Policy Detail (i)Insurer Name Go Digit General Insurance Limited. (ii)Previous Policy No.D075226837/06092022, Previous Policy Expiry Date:19-SEP-2023 15.Whetheryourvehicleis Hypothecatedandifsothedetailsof Pledgeewhosenameisregisteredbyus: No. Nameof Pledgee: NA. 16.Whether PAcoverisoptedforowner-driver: No. 17.Addon Cover(s)opted:Yes Plan Name:Consumable Expeness And Drive Assure Welcome Plan Description:24x7spotassistance,consumable expenses,depreciationshield, Pleasecalluson18001035858foranyemergency. 18.Tosupportour Go Greeninitiative,sendpolicycopylinkonregisteredmobilenumber/emailid: YES Pleasenote Cover Note No./ issuedtoyoubasingontheaboveinformation. Incaseof Disagreementorobjectionoranychangeswithrespecttoinformationandcontentsmentionedhereinabove,please contactourtollfreenumber&registeryourobjections/changes/disagreementtothecontentsofthistranscriptoryoumayalso sendusemailorwrittencorrespondenceatthefollowingdetailswithinaperiodof15daysfromdateofyourreceiptofthis transcriptalongwith Policy: I/Weherebyunconditionallyallowthe Companytoshareallmy/ourinformationbeingcollectedinthisproposalformor throughtelephonic/email/web-inputsmeansorothermeans,asupdatedfromtimetotimewithingroupentities. Tollfree Number : 1800-102-5858,1800-209-5858 Emailaddress : Bagichelp@bajajallianz.co.in Website : www.bajajallianz.com Contactourpolicyservicingbranchat:Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Complex, Civil Lines,KANPURNAGAR-208001PH:0512-2338277. INSURANCEACT,1938SECTION41-PROHIBITIONOFREBATES\n\nNopersonshallalloworoffertoalloweitherdirectlyorindirectly,asaninducementtoanypersontotakeoutorrenewor continueaninsuranceinrespectofanykindofriskrelatingtolivesorpropertyin India,anyrebateofthewholeorpartofthe commissionpayableoranyrebateofthepremiumshownonthepolicy,norshallanypersontakingoutorrenewingapolicy acceptanyrebate,exceptsuchrebateasmaybeallowedinaccordancewiththepublishedprospectusortablesoftheinsurer. ANYPERSONINBREACHOFCOMPLYINGWITHTHEPROVISIONSOFTHISSECTIONSHALLBEPUNISHABLE WITHFINEWHICHMAYEXTENDTORUPEESTENLAKH.Bajaj Allianz General Insurance Co Ltd\n\nBAJAJALLIANZGENERALINSURANCECOMPANYLIMITED Regd.Office&Head Office:Bajaj Allianz House,Airport Road,Yerwada,Pune-411006(India) IRDAI Registration No.113 Corporate Identity Number:U66010PN2000PLC015329 STANDALONEOWNDAMAGECOVERFORPRIVATECAR Certificateof Insurance Certificateof Insurance(STANDALONEOWNDAMAGECOVERFORPRIVATECAR) UIN:IRDAN113RP0001V01201920 Policyissuingofficeandcorrespondenceaddressforcommunicationbyholderof Bajaj Allianz General Insurance Co.Ltd, Certificateof Insuranceforclaim,servicerequest,notice,summons,etc: 15/54B2nd Floor,Virendra Smriti Complex,Civil Lines,KANPUR NAGAR-208001PH:0512-2338277 Insured Name SHEETAL. Policy Number OG-24-1302-1870-00000264 Certificate No. NA INSUREDDETAILS POLICYDETAILS Insured Address D/OJASBIRSINGHR/OH Policy Issuedon 23-AUG-2023 NO-15QUTABGARH Periodof Insurance For Own Damage Section For Third Party Liability ENCLAVE,COLONYQUTAB Section GARHNORTHWESTDELHI , QUTABAGARH,NORTHWEST From:20-SEP-2023 From:20-SEP-2021 To DELHI,DELHI-110039 00:01(Hrs) :19-SEP-2024 To:19-SEP-2024 Midnight Third Party Liability Nameof Insurance Co Policy Number Section Universal Sompo General 2367/64547444/00/000 Insurance Company Limited Customer ID 400927114 Policy Status ISSUED GSTIN/UIN NA Cover Note Details / Placeof Supply/State 07-Delhi Previous Policy No D075226837/06092022/Go Digit General Code/Name Insurance Limited Particularsof Vehicle Insured: Registration Number Placeof Registration Engine Number Chassis Number Make&Model DL2CBC9987 DL2C-DELHI K12MP4240134 MBHEWB22SMG743 MARUTI-BALENO 225 NEW Sub Type Yearof Mfg NCB% CC Seating Capacity SIGMAPETROL 2021 -25 1197 5 Nameof Registration Authority :DL2C-DELHI Nameand Addressof Insured :SHEETAL. :D/OJASBIRSINGH R/OHNO-15QUTABGARH ENCLAVE, COLONYQUTABGARHNORTH WESTDELHI,QUTABAGARH,NORTHWEST DELHI,DELHI-110039 Geographical Area :.00 Businessor Profession :NA Personsor Classof Personsentitledtodrive: Anypersonincludingtheinsured: a)Providedthatapersondrivingholdsaneffectivedrivinglicenseatthetimeoftheaccidentandisnotdisqualifiedfrom holdingorobtainingsuchalicense. b)Providedalsothatthepersonholdinganeffectivelearner'slicensemayalsodrivethevehicleandthatsuchapersonsatisfies Forhelpandmoreinformation: Contactour24Hour Call Centreat1800-102-5858,1800-209-5858,Toll Free:30305858(chargeable,addareacodebeforethisnumberincaseofmobilecall) Emailusat Bagichelp@bajajallianz.co.inor Visitour Websitewww.bajajallianz.com Corporate Identification Number U66010PN2000PLC015329 Latest Schedule-23-Aug-202318:10:30PM-Silent_Printing(Web)(889191)\n\ntherequirementsof Rule3ofthe Central Motor Vehicles Rules,1989. IMT-Endorsements/Addon Package 22, &Plan Name:Consumable Expeness And Drive Assure Welcome&Plan Description:24x7spotassistance,consumable expenses,depreciationshield, Limitationsasto Use: The Policycoversuseforanypurposeotherthan a)Hireor Reward,b)Carriageofgoods(otherthansamplesorpersonalluggage),c)Organizedracing,d)Pace Making,e) Speedtesting, f)Reliability Trials,g)Anypurposeinconnectionwith Motor Trade I/Weherebycertifythatthe Policytowhichthiscertificaterelatesaswellasthis Certificateof Insuranceareissuedin accordancewiththeprovisionsof Chapter Xand Chapter XIof M.V.Act,1988. For&On Behalfof Bajaj Allianz General Insurance Company Ltd. Authorized Signatory\n\nBAJAJALLIANZGENERALINSURANCECOMPANYLIMITED Regd.Office&Head Office:GE Plaza,Airport Road,Yerwada,Pune-411006(India) IRDAI Registration No.113 Corporate Identity Number:U66010PN2000PLC015329 STANDALONEOWNDAMAGECOVERFORPRIVATECAR POLICYSCHEDULE IRDAN113RP0001V01201920 Policyissuingofficeand Correspondenceaddressforcommunicationbypolicyholderforclaim,servicerequest,notice,summons,etc: Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Complex,Civil Lines,KANPURNAGAR-208001 PH:0512-2338277 Note:- Thecoverageunderthispolicyisonlyfor Own Damageandnootherliabilityinconnectwiththevehicle. Policywillbevoidabinitioincaseofmisrepresentation/fraudornon-existenceofvalid Thirdpartyliabilitypolicyforthefull Policy periodofthis Standaloneowndamagecover-privatecarpolicy INSUREDDETAILS POLICYDETAILS Insured Name SHEETAL. Policy Number OG-24-1302-1870-00000264 D/OJASBIRSINGHR/OHNO-15QUT- Policy Issuedon 23-AUG-202317:09PM ABGARHENCLAVE,COLONY Insured QUTABGARHNORTHWESTDELHI, From:20-SEP-2023 QUTABAGARH,NORTHWESTDEL- Address HI,DELHI-110039 Detailsof Own 00:01(Hrs) Policy Period Geographical Damage Stan- To:19-SEP-2024 .00 Area dalone Cover Midnight Customer ID 400927114 From:20-SEP-2021 Policy Period To:19-SEP-2024 Bank Reference No1 Detailsof Active Universal Sompo Gen- Nameof Insur- Third Party Liab- eral Insurance Com- GSTIN/UIN NA ance Co. ility Policy pany Limited Placeof Supply/ 07-Delhi State Code/Name 2367/64547444/00/000 Policy Number Company 09AABCB5730G1ZV GSTIN Company PAN AABCB5730G Cover Note / Invoice No 389911063/1 Details D075226837/06092022/Go Digit Gen- Previous Policy No eral Insurance Limited Make&Mod- Registration Number Placeof Registration Engine Number Chassis Number Sub Type el MARUTI- MBHEWB22SMG SIGMAPET- DL2CBC9987 DL2C-DELHI K12MP4240134 BALENO 743225 ROL NEW Year Of Manufactur- NCB% CC/KW Seating Capacity Hypothecation Details ing -25 1197 5 2021 Nonelectrical Electrical/Elec- Valueof CNG/ Vehicle IDV Value For Side Car Total Value accessories tronic accessories LP Gkit 458893 0 0 0 0 4,58,893.00 Forhelpandmoreinformation: Contactour24Hour Call Centreat1800-102-5858,1800-209-5858,Toll Free:30305858(chargeable,addareacodebeforethisnumberincaseofmobilecall) Emailusat Ba- gichelp@bajajallianz.co.inor Visitour Websitewww.bajajallianz.com Corporate Identification Number U66010PN2000PLC015329 Latest Schedule-23-Aug-202318:10:30PM-Silent_Printing(Web)(889191)\n\nOwn Damage Premium(Rs.) Final Premium(In Words): Rupees Nine Thousand Own Damage Premium 7936 Three Hundred Sixty Six Only Integrated GST(18%) 1429 Final Premium Rs. 9366 **Note:Theabove Total OD Premiumisinclusiveofallapplicable Loading/Discountsviz(Automobileassociationmembership,Voluntary Excess, Anti Theft,Handicap Person,Driver Tuition,Fiber Glass,CNG/LPG Unit,Geographical Extension,Imported Vehicle Etc.wherever Applicable) Asperthe GS Tregulations,theamountof GS Twillnotberefundedifthepolicy/endorsementiscancelledafter30th Septemberofthenextfinancialyear I/Weherebydeclarethatthoughouraggregateturnoverinanyprecedingfinancialyearfrom2017-18onwardsismorethantheaggregateturnovernoti- fiedundersub-rule(4)ofrule48,wearenotrequiredtoprepareaninvoiceintermsoftheprovisionsofthesaidsub-rule. Broker Code 10088912 Contact No. 08929876286/08929876286 Broker Name ZOPPER INSURANCEBROEKRSPRIVATELIMITED E-Mail ID. AAKASH@BIMABOSS.IN Limitationasto Use The Policycoversuseofthevehicleforanypurposeotherthan:Hireorreward,Carriageof goods(otherthansamplesorpersonalluggage),Organisedracing,Pacemaking,Speedtesting, Reliabilitytrials.Anypurposeinconnectionwith Motor Trade. Anypersonincludingtheinsuredprovidedthatapersondrivingholdsaneffectivedrivingli- Driver censeatthetimeoftheaccidentandisnotdisqualifiedfromholdingorobtainingsuchalicense. Providedalsothatthepersonholdinganeffective Learner'slicensemayalsodrivethevehicle whennotusedforthetransportofgoods/passengersatthetimeoftheaccidentandthatsucha personsatisfiestherequirementsof Rule3ofthe Central Motor Vehicle Rules,1989. No Claim Bonus Theinsuredisentitledfora No Claim Bonus(NCB)onthe Own Damagesectionofthepolicy,if noclaimismadeorpendingduringtheprecedingyear(s),asperthefollowing:1.Thepreceding year:20%,2.Preceding Twoconsecutiveyears:25%,3.Preceding Threeconsecutiveyears: 35%,4.Preceding Fourconsecutiveyears:45%,5.Preceding Fiveconsecutiveyears:50%No Claim Bonuswillonlybeallowedprovidedthepolicyisrenewedwithin90daysoftheexpiry dateofthepreviouspolicy. Existing Damage Details NA Name:NA - Relationship:NA Nominee Details Subjectto Warranties/ 22,&Plan Name:Consumable Expeness And Drive Assure Welcome&Plan Description:24x7 IMT-Endorsements/ spotassistance,consumableexpenses,depreciationshield, Addon Package Additional Details Coinsurance Details:-.Transaction Id:- Premium Details Receipt No.1302-00590904,Date23-AUG-23**If Premiumpaidthrough Cheque,the Policyis voidab-initioincaseofdishonourof Cheque. Excess Details Compulsory Excess: Additional Excess:Rs.1000 Voluntary Excess:Rs..00 Rs.1,000.00 IMPORTANTNOTICE:The Insuredisnotindemnifiedifthevehicleisusedordrivenotherwisethaninaccordancewiththisschedule. Anypaymentmadebythe Companybyreasonofwidertermsappearinginthe Certificateinordertocomplywiththe Motor Vehicle Act, 1988isrecoverablefromthe Insured.Seetheclauseheaded AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY. Warrantedthatinsurednamedhereinorownerofthevehicleinsuredholdsavalid Pollution Under Control(PUC)and/or Fitness Certificateonthedateof commencementofthe Policy.Ifthe PU Cand/or Fitness Certificateisnotfoundtobevalidonthedateofcommencementofthe Policy,the Companyreserves itsrighttoconsiderthepolicyvoidabinitio. For&On Behalfof Bajaj Allianz General Insurance Company Ltd.\n\nStamp Duty Rs. 0.5 Authorized Signatory Thisdocumentisdigitallysigned,hencecountersignature/stampisnotrequired. Consolidated Stamp Dutyof Rs.0.5/-paidtowards Insurance Stampsvide Challan No.MH004724512202324MDefaced No.0003585898202324ORDERNO.CSD/105/2023/3494OR- DERDATED21.08.2023DEFACEDDAT Edated21-AUG-23timing15:32:10of General Stamp Office,Mumbai,India. Principal Location:Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Complex,Civil Lines,KANPUR NAGAR-208001PH:0512-2338277|Services Accounting Code:997134-Motorvehicleinsuranceservices.Noreversechargeispayable ontheseservices. Forhelpandmoreinformation: Contactour24Hour Call Centreat1800-102-5858,1800-209-5858,Toll Free:30305858(chargeable,addareacodebeforethisnumberincaseofmobilecall) Emailusat Ba- gichelp@bajajallianz.co.inor Visitour Websitewww.bajajallianz.com Corporate Identification Number U66010PN2000PLC015329 Latest Schedule-23-Aug-202318:10:30PM-Silent_Printing(Web)(889191)\n\nBajaj Allianz General Insurance Company Ltd. Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Complex,Civil Lines,KAN- PURNAGAR-208001 Contact No:Contact No:0512-2338277,0512-2338278;Fax No:0512-2530529 RECEIPT Receipt Number 1302-00590904 Receipt Date 23/08/2023 Business Channel ML Received with thanks from SHEETAL . (Customer ID : 400927114 ) a total sum of Rupees Nine Thousand Three Hundred Sixty Six Only by, Instrument Instrument No. Instrument Bank Name Branch Name Amount Type Date Credit Card 100249624 23/08/2023 NA NA 9,366 Total Amount Rs. 9,366.00 Issuance of this receipt does not amount to acceptance of the risk by Bajaj Allianz General In- surance Company Limited. The insurance cover for the risk shall be as per the terms and con- ditions of the Insurance Policy if and when issued. * Cheque/DD/PO receipt is valid subject to realisation of the instrument. For & on behalf of Bajaj Allianz General Insurance Company Ltd. Authorised Signatory Regd.Office:Bajaj Allianz House,Airport Road,Yerwada,Pune-411006\n\nPRIVATECARSTANDALONEODPOLICY:ADDONCOVERS(Plan Name:Consumable Expeness And Drive Assure Welcome):POLICYWORDINGS S1-24x7SPOTASSISTANCE (UIN No.IRDAN113RP0001V01201920/A0009V01201920) A.Endorsement Wordings Inconsiderationofthepaymentofadditionalpremium,itisherebyagreedanddeclaredthat Youshallbeentitledtooneor moreofthebelowmentionedbenefitsdependingontheplanoptedby Youandasshownonthe Schedule: (A) Flat Battery: In the event of the Insured Vehicle being immobilized due to a flat battery, We will make al- ternative arrangements to make the Insured Vehicle mobile again provided the event has occurred within 100 kilometers from the center point of the city of Your residence and the Insured Vehicle has not reached a work- shop/repairer. (B) Spare Keys: In the event of You losing keys of the Insured Vehicle , We will arrange for the pick up and delivery of spare keys to the spot where the Insured Vehicle is located provided the event has oc- curredwithin100kilometersfromthecenterpointofthecityof Yourresidenceandthe Insured Vehiclehasnot reached a workshop/repairer. (C) Flat Tyre: In the event of the Insured Vehicle being immobilized due to flat tyres,Wewillarrangefortherefilloftheflattyresand/orreplacementoftheflattyreswithausablesparetyreto make the Insured Vehicle mobile again provided the event has occurred within 100 kilometers from the center pointofthecityof Yourresidenceandthe Insured Vehiclehasnotreachedaworkshop/rep", "raw_text_pages": [{"page": 1, "text": "BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LTD. Regd.Office&Head Office:Bajaj Allianz House,Airport Road,Yerawada,Pune-411006. IRDAI Registration No.113 Corporate Identity Number:U66010PN2000PLC015329 Policy Issuing,correspondenceaddressforcommunic- Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Com- ation by policy [or certificate of insurance] hold- plex,Civil Lines,KANPURNAGAR-208001PH:0512-2338277 er,policy/claimservicing,noticesandorsummons Insured Name SHEETAL. Policy Number OG-24-1302-1870-00000264 Welcometo Bajaj Allianz Family SHEETAL. D/OJASBIRSINGHR/OHNO-15QUTABGARHENCLAVE,COLONYQUTAB GARHNORTHWESTDELHI,QUTABAGARH,NORTHWESTDELHI,DELHI- 110039 Customer ID:400927114 Dear Customer, Thankyouforchoosing Bajaj Allianz General Insurerasyourpreferredinsurer.Bajaj Allianz General Insurance Company Limited,acon- sistentlyprofitableinsurerenjoysareputationofexpertise,stabilityandstrength.Weareacustomerfocusedmarketleaderpresentinover 200locationsacross India.Asanorganizationwestrivetounderstandtheriskmanagementneedsofourconsumersandtranslateitintoaf- fordableproductsandservicesofglobalqualitythatdelivervalueformoney.Bajaj Allianzhasan ISO Certifiedclaims,Operationsand Ser- vicesprocessesandhasreceivedi AA Aratingforthelastthreeconsecutiveyearsfrom ICRA Limited,anassociateof Moody's Investors Ser- vice,forclaimspayingability.Theratingindicateshighestclaimspayingabilityandafundamentallystrongpositionintheindustry. We request you to kindly go through the contents of the policy schedule and the terms and conditions. In case of any clarification or dis- agreement,pleasewritetousatbagichelp@bajajallianz.co.inwithinfifteendaysofreceiptofthispolicy. Weassureyouthebestofourservicesandlookforwardtoacontinualpatronageandassociationwithyou. For&onthebehalf Bajaj Allianz General Insurance Company Ltd. Authorized Signatory Forhelpandmoreinformation: Contactour24Hour Call Centreat1800-102-5858,1800-209-5858,Toll Free:30305858(chargeable,addareacodebeforethisnumberincaseofmobilecall) Emailusat Bagichelp@bajajallianz.co.inor Visitour Websitewww.bajajallianz.com Corporate Identification Number U66010PN2000PLC015329"}, {"page": 2, "text": "Bajaj Allianz General Insurance Company Ltd. Regd.Office&Head Office:Bajaj Allianz House,Airport Road,Yerawada,Pune-411006 IRDAI Registration No.113 Corporate Identity Number:U66010PN2000PLC015329 Transcriptof Proposalfor Standalone Own Damage Coverfor Private Car Dear SHEETAL., We wish to inform you that the contract under policy number 'OG-24-1302-1870-00000264' has been finalized based on the proposal / information and declaration given by you, the transcript whereof is mentioned below. You are requested to reconfirmthesame.Incaseofanydisagreementorobjectionoranychangeswithrespecttoinformationmentionedbelow,we request you to please revert back within a period of 15 days from date of your receipt of this transcript along with Policy failingwhichitwillbedeemedthatyouhavepositivelyconfirmed/aresatisfiedwiththecorrectnessofthedetailsmentioned below. Kindly note that as the contents and declarations contained in this transcript is the basis on which we have issued the policy to you, we advise you to please ensure that you have provided/disclosed and or not withheld any material facts/information and declarations, as Policy becomes Void ab initio if material facts are not provided/disclosed and or withheldandinsuchcasenoclaim,ifany,willbeconsideredbyusapartfromforfeitureofthepremium. Detailsprovidedbyyou: A.Proposerdetails 1.Proposer Name : SHEETAL. 2.Proposer Address : D/OJASBIRSINGHR/OHNO-15QUTABGARHENCLAVE,COLONYQUTAB GARHNORTHWESTDELHI ,QUTABAGARH,NORTHWESTDELHI,DELHI-110039 3.Proposer Mobile Number : 9812878250 4.Proposer Residential Number : NA 5.Proposere-mailid : ANSHKUMARRTK@GMAIL.COM 6.Proposer Profession : NA B.Vehicle Details Registration Month/Year Vehicle Vehicle Vehicle Sub Cubic Capa- Fuel Type Yearof Man- Seating Ca- Number of Regn Make Model Type city ufacture pacity DL2CBC998 NOV/2021 MARUTI BALENO SIGMA 1197 Petrol 2021 5 7 NEW PETROL Engine Number Chassis Number Vehicle IDV(in Electrical Non-Electrical CNG/LPG Unit Total IDV(in Rs.) Accessories Accessories (Extrafitted) Rs.) IDV (in Rs.) IDV (in Rs.) IDV (in Rs.) K12MP4240134 MBHEWB22SM 458893 0 0 0 4,58,893.00 G743225"}, {"page": 3, "text": "C.Coverageopted From:20-SEP-202300:01(Hrs) 1. Own Damage Standalone Cover Periodof Insurance To:19-SEP-2024 Midnight From:20-SEP-2021 To Periodof Insurance :19-SEP-2024 Detailsof Active Third Party 2. Universal Sompo General Liability Policy Nameof Insurance Company Insurance Company Limited Policy Number 2367/64547444/00/000 3.Isyourvehiclefittedwithexternal LPG/CN Gkit : No. 4.Electrical Accessoriescover Opted(If Applicable) : No. 5.Non-Electrical Accessoriescover Opted(If Applicable): : No. 6.Is Voluntary Excessopted : No. Amountofvoluntaryexcessopted : Rs.NA. 7.compulsorydeductible : Rs.1,000.00 8.Isanyadditionalcompulsorydeductibleimposedandagreedupon : Yes. Amountofadditionalcompulsorydeductibleimposed : Rs.1000 9.Whethergeographicalareaextensionisopted : No. Detailsof Countriestowhichgeographicalareaextensioncoverisgiven : NA. 10.Pre Existingdamagesinthevehicle : NA. 11.Total Premium(excluding GST)for ODcoverages,quotedandagreeduponis : 12.Doyouhavevalid PU Ccertificateofthevehicle : NA 13.NCB(No Claim Bonus)claimedbyyouandgrantedbyusbasedonyour : -25%. declarationofnoclaimduringyourpreviouspolicy 14.Previous Own Damage Policy Detail (i)Insurer Name Go Digit General Insurance Limited. (ii)Previous Policy No.D075226837/06092022, Previous Policy Expiry Date:19-SEP-2023 15.Whetheryourvehicleis Hypothecatedandifsothedetailsof Pledgeewhosenameisregisteredbyus: No. Nameof Pledgee: NA. 16.Whether PAcoverisoptedforowner-driver: No. 17.Addon Cover(s)opted:Yes Plan Name:Consumable Expeness And Drive Assure Welcome Plan Description:24x7spotassistance,consumable expenses,depreciationshield, Pleasecalluson18001035858foranyemergency. 18.Tosupportour Go Greeninitiative,sendpolicycopylinkonregisteredmobilenumber/emailid: YES Pleasenote Cover Note No./ issuedtoyoubasingontheaboveinformation. Incaseof Disagreementorobjectionoranychangeswithrespecttoinformationandcontentsmentionedhereinabove,please contactourtollfreenumber&registeryourobjections/changes/disagreementtothecontentsofthistranscriptoryoumayalso sendusemailorwrittencorrespondenceatthefollowingdetailswithinaperiodof15daysfromdateofyourreceiptofthis transcriptalongwith Policy: I/Weherebyunconditionallyallowthe Companytoshareallmy/ourinformationbeingcollectedinthisproposalformor throughtelephonic/email/web-inputsmeansorothermeans,asupdatedfromtimetotimewithingroupentities. Tollfree Number : 1800-102-5858,1800-209-5858 Emailaddress : Bagichelp@bajajallianz.co.in Website : www.bajajallianz.com Contactourpolicyservicingbranchat:Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Complex, Civil Lines,KANPURNAGAR-208001PH:0512-2338277. INSURANCEACT,1938SECTION41-PROHIBITIONOFREBATES"}, {"page": 4, "text": "Nopersonshallalloworoffertoalloweitherdirectlyorindirectly,asaninducementtoanypersontotakeoutorrenewor continueaninsuranceinrespectofanykindofriskrelatingtolivesorpropertyin India,anyrebateofthewholeorpartofthe commissionpayableoranyrebateofthepremiumshownonthepolicy,norshallanypersontakingoutorrenewingapolicy acceptanyrebate,exceptsuchrebateasmaybeallowedinaccordancewiththepublishedprospectusortablesoftheinsurer. ANYPERSONINBREACHOFCOMPLYINGWITHTHEPROVISIONSOFTHISSECTIONSHALLBEPUNISHABLE WITHFINEWHICHMAYEXTENDTORUPEESTENLAKH.Bajaj Allianz General Insurance Co Ltd"}, {"page": 5, "text": "BAJAJALLIANZGENERALINSURANCECOMPANYLIMITED Regd.Office&Head Office:Bajaj Allianz House,Airport Road,Yerwada,Pune-411006(India) IRDAI Registration No.113 Corporate Identity Number:U66010PN2000PLC015329 STANDALONEOWNDAMAGECOVERFORPRIVATECAR Certificateof Insurance Certificateof Insurance(STANDALONEOWNDAMAGECOVERFORPRIVATECAR) UIN:IRDAN113RP0001V01201920 Policyissuingofficeandcorrespondenceaddressforcommunicationbyholderof Bajaj Allianz General Insurance Co.Ltd, Certificateof Insuranceforclaim,servicerequest,notice,summons,etc: 15/54B2nd Floor,Virendra Smriti Complex,Civil Lines,KANPUR NAGAR-208001PH:0512-2338277 Insured Name SHEETAL. Policy Number OG-24-1302-1870-00000264 Certificate No. NA INSUREDDETAILS POLICYDETAILS Insured Address D/OJASBIRSINGHR/OH Policy Issuedon 23-AUG-2023 NO-15QUTABGARH Periodof Insurance For Own Damage Section For Third Party Liability ENCLAVE,COLONYQUTAB Section GARHNORTHWESTDELHI , QUTABAGARH,NORTHWEST From:20-SEP-2023 From:20-SEP-2021 To DELHI,DELHI-110039 00:01(Hrs) :19-SEP-2024 To:19-SEP-2024 Midnight Third Party Liability Nameof Insurance Co Policy Number Section Universal Sompo General 2367/64547444/00/000 Insurance Company Limited Customer ID 400927114 Policy Status ISSUED GSTIN/UIN NA Cover Note Details / Placeof Supply/State 07-Delhi Previous Policy No D075226837/06092022/Go Digit General Code/Name Insurance Limited Particularsof Vehicle Insured: Registration Number Placeof Registration Engine Number Chassis Number Make&Model DL2CBC9987 DL2C-DELHI K12MP4240134 MBHEWB22SMG743 MARUTI-BALENO 225 NEW Sub Type Yearof Mfg NCB% CC Seating Capacity SIGMAPETROL 2021 -25 1197 5 Nameof Registration Authority :DL2C-DELHI Nameand Addressof Insured :SHEETAL. :D/OJASBIRSINGH R/OHNO-15QUTABGARH ENCLAVE, COLONYQUTABGARHNORTH WESTDELHI,QUTABAGARH,NORTHWEST DELHI,DELHI-110039 Geographical Area :.00 Businessor Profession :NA Personsor Classof Personsentitledtodrive: Anypersonincludingtheinsured: a)Providedthatapersondrivingholdsaneffectivedrivinglicenseatthetimeoftheaccidentandisnotdisqualifiedfrom holdingorobtainingsuchalicense. b)Providedalsothatthepersonholdinganeffectivelearner'slicensemayalsodrivethevehicleandthatsuchapersonsatisfies Forhelpandmoreinformation: Contactour24Hour Call Centreat1800-102-5858,1800-209-5858,Toll Free:30305858(chargeable,addareacodebeforethisnumberincaseofmobilecall) Emailusat Bagichelp@bajajallianz.co.inor Visitour Websitewww.bajajallianz.com Corporate Identification Number U66010PN2000PLC015329 Latest Schedule-23-Aug-202318:10:30PM-Silent_Printing(Web)(889191)"}, {"page": 6, "text": "therequirementsof Rule3ofthe Central Motor Vehicles Rules,1989. IMT-Endorsements/Addon Package 22, &Plan Name:Consumable Expeness And Drive Assure Welcome&Plan Description:24x7spotassistance,consumable expenses,depreciationshield, Limitationsasto Use: The Policycoversuseforanypurposeotherthan a)Hireor Reward,b)Carriageofgoods(otherthansamplesorpersonalluggage),c)Organizedracing,d)Pace Making,e) Speedtesting, f)Reliability Trials,g)Anypurposeinconnectionwith Motor Trade I/Weherebycertifythatthe Policytowhichthiscertificaterelatesaswellasthis Certificateof Insuranceareissuedin accordancewiththeprovisionsof Chapter Xand Chapter XIof M.V.Act,1988. For&On Behalfof Bajaj Allianz General Insurance Company Ltd. Authorized Signatory"}, {"page": 7, "text": "BAJAJALLIANZGENERALINSURANCECOMPANYLIMITED Regd.Office&Head Office:GE Plaza,Airport Road,Yerwada,Pune-411006(India) IRDAI Registration No.113 Corporate Identity Number:U66010PN2000PLC015329 STANDALONEOWNDAMAGECOVERFORPRIVATECAR POLICYSCHEDULE IRDAN113RP0001V01201920 Policyissuingofficeand Correspondenceaddressforcommunicationbypolicyholderforclaim,servicerequest,notice,summons,etc: Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Complex,Civil Lines,KANPURNAGAR-208001 PH:0512-2338277 Note:- Thecoverageunderthispolicyisonlyfor Own Damageandnootherliabilityinconnectwiththevehicle. Policywillbevoidabinitioincaseofmisrepresentation/fraudornon-existenceofvalid Thirdpartyliabilitypolicyforthefull Policy periodofthis Standaloneowndamagecover-privatecarpolicy INSUREDDETAILS POLICYDETAILS Insured Name SHEETAL. Policy Number OG-24-1302-1870-00000264 D/OJASBIRSINGHR/OHNO-15QUT- Policy Issuedon 23-AUG-202317:09PM ABGARHENCLAVE,COLONY Insured QUTABGARHNORTHWESTDELHI, From:20-SEP-2023 QUTABAGARH,NORTHWESTDEL- Address HI,DELHI-110039 Detailsof Own 00:01(Hrs) Policy Period Geographical Damage Stan- To:19-SEP-2024 .00 Area dalone Cover Midnight Customer ID 400927114 From:20-SEP-2021 Policy Period To:19-SEP-2024 Bank Reference No1 Detailsof Active Universal Sompo Gen- Nameof Insur- Third Party Liab- eral Insurance Com- GSTIN/UIN NA ance Co. ility Policy pany Limited Placeof Supply/ 07-Delhi State Code/Name 2367/64547444/00/000 Policy Number Company 09AABCB5730G1ZV GSTIN Company PAN AABCB5730G Cover Note / Invoice No 389911063/1 Details D075226837/06092022/Go Digit Gen- Previous Policy No eral Insurance Limited Make&Mod- Registration Number Placeof Registration Engine Number Chassis Number Sub Type el MARUTI- MBHEWB22SMG SIGMAPET- DL2CBC9987 DL2C-DELHI K12MP4240134 BALENO 743225 ROL NEW Year Of Manufactur- NCB% CC/KW Seating Capacity Hypothecation Details ing -25 1197 5 2021 Nonelectrical Electrical/Elec- Valueof CNG/ Vehicle IDV Value For Side Car Total Value accessories tronic accessories LP Gkit 458893 0 0 0 0 4,58,893.00 Forhelpandmoreinformation: Contactour24Hour Call Centreat1800-102-5858,1800-209-5858,Toll Free:30305858(chargeable,addareacodebeforethisnumberincaseofmobilecall) Emailusat Ba- gichelp@bajajallianz.co.inor Visitour Websitewww.bajajallianz.com Corporate Identification Number U66010PN2000PLC015329 Latest Schedule-23-Aug-202318:10:30PM-Silent_Printing(Web)(889191)"}, {"page": 8, "text": "Own Damage Premium(Rs.) Final Premium(In Words): Rupees Nine Thousand Own Damage Premium 7936 Three Hundred Sixty Six Only Integrated GST(18%) 1429 Final Premium Rs. 9366 **Note:Theabove Total OD Premiumisinclusiveofallapplicable Loading/Discountsviz(Automobileassociationmembership,Voluntary Excess, Anti Theft,Handicap Person,Driver Tuition,Fiber Glass,CNG/LPG Unit,Geographical Extension,Imported Vehicle Etc.wherever Applicable) Asperthe GS Tregulations,theamountof GS Twillnotberefundedifthepolicy/endorsementiscancelledafter30th Septemberofthenextfinancialyear I/Weherebydeclarethatthoughouraggregateturnoverinanyprecedingfinancialyearfrom2017-18onwardsismorethantheaggregateturnovernoti- fiedundersub-rule(4)ofrule48,wearenotrequiredtoprepareaninvoiceintermsoftheprovisionsofthesaidsub-rule. Broker Code 10088912 Contact No. 08929876286/08929876286 Broker Name ZOPPER INSURANCEBROEKRSPRIVATELIMITED E-Mail ID. AAKASH@BIMABOSS.IN Limitationasto Use The Policycoversuseofthevehicleforanypurposeotherthan:Hireorreward,Carriageof goods(otherthansamplesorpersonalluggage),Organisedracing,Pacemaking,Speedtesting, Reliabilitytrials.Anypurposeinconnectionwith Motor Trade. Anypersonincludingtheinsuredprovidedthatapersondrivingholdsaneffectivedrivingli- Driver censeatthetimeoftheaccidentandisnotdisqualifiedfromholdingorobtainingsuchalicense. Providedalsothatthepersonholdinganeffective Learner'slicensemayalsodrivethevehicle whennotusedforthetransportofgoods/passengersatthetimeoftheaccidentandthatsucha personsatisfiestherequirementsof Rule3ofthe Central Motor Vehicle Rules,1989. No Claim Bonus Theinsuredisentitledfora No Claim Bonus(NCB)onthe Own Damagesectionofthepolicy,if noclaimismadeorpendingduringtheprecedingyear(s),asperthefollowing:1.Thepreceding year:20%,2.Preceding Twoconsecutiveyears:25%,3.Preceding Threeconsecutiveyears: 35%,4.Preceding Fourconsecutiveyears:45%,5.Preceding Fiveconsecutiveyears:50%No Claim Bonuswillonlybeallowedprovidedthepolicyisrenewedwithin90daysoftheexpiry dateofthepreviouspolicy. Existing Damage Details NA Name:NA - Relationship:NA Nominee Details Subjectto Warranties/ 22,&Plan Name:Consumable Expeness And Drive Assure Welcome&Plan Description:24x7 IMT-Endorsements/ spotassistance,consumableexpenses,depreciationshield, Addon Package Additional Details Coinsurance Details:-.Transaction Id:- Premium Details Receipt No.1302-00590904,Date23-AUG-23**If Premiumpaidthrough Cheque,the Policyis voidab-initioincaseofdishonourof Cheque. Excess Details Compulsory Excess: Additional Excess:Rs.1000 Voluntary Excess:Rs..00 Rs.1,000.00 IMPORTANTNOTICE:The Insuredisnotindemnifiedifthevehicleisusedordrivenotherwisethaninaccordancewiththisschedule. Anypaymentmadebythe Companybyreasonofwidertermsappearinginthe Certificateinordertocomplywiththe Motor Vehicle Act, 1988isrecoverablefromthe Insured.Seetheclauseheaded AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY. Warrantedthatinsurednamedhereinorownerofthevehicleinsuredholdsavalid Pollution Under Control(PUC)and/or Fitness Certificateonthedateof commencementofthe Policy.Ifthe PU Cand/or Fitness Certificateisnotfoundtobevalidonthedateofcommencementofthe Policy,the Companyreserves itsrighttoconsiderthepolicyvoidabinitio. For&On Behalfof Bajaj Allianz General Insurance Company Ltd."}, {"page": 9, "text": "Stamp Duty Rs. 0.5 Authorized Signatory Thisdocumentisdigitallysigned,hencecountersignature/stampisnotrequired. Consolidated Stamp Dutyof Rs.0.5/-paidtowards Insurance Stampsvide Challan No.MH004724512202324MDefaced No.0003585898202324ORDERNO.CSD/105/2023/3494OR- DERDATED21.08.2023DEFACEDDAT Edated21-AUG-23timing15:32:10of General Stamp Office,Mumbai,India. Principal Location:Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Complex,Civil Lines,KANPUR NAGAR-208001PH:0512-2338277|Services Accounting Code:997134-Motorvehicleinsuranceservices.Noreversechargeispayable ontheseservices. Forhelpandmoreinformation: Contactour24Hour Call Centreat1800-102-5858,1800-209-5858,Toll Free:30305858(chargeable,addareacodebeforethisnumberincaseofmobilecall) Emailusat Ba- gichelp@bajajallianz.co.inor Visitour Websitewww.bajajallianz.com Corporate Identification Number U66010PN2000PLC015329 Latest Schedule-23-Aug-202318:10:30PM-Silent_Printing(Web)(889191)"}, {"page": 10, "text": "Bajaj Allianz General Insurance Company Ltd. Bajaj Allianz General Insurance Co.Ltd,15/54B2nd Floor,Virendra Smriti Complex,Civil Lines,KAN- PURNAGAR-208001 Contact No:Contact No:0512-2338277,0512-2338278;Fax No:0512-2530529 RECEIPT Receipt Number 1302-00590904 Receipt Date 23/08/2023 Business Channel ML Received with thanks from SHEETAL . (Customer ID : 400927114 ) a total sum of Rupees Nine Thousand Three Hundred Sixty Six Only by, Instrument Instrument No. Instrument Bank Name Branch Name Amount Type Date Credit Card 100249624 23/08/2023 NA NA 9,366 Total Amount Rs. 9,366.00 Issuance of this receipt does not amount to acceptance of the risk by Bajaj Allianz General In- surance Company Limited. The insurance cover for the risk shall be as per the terms and con- ditions of the Insurance Policy if and when issued. * Cheque/DD/PO receipt is valid subject to realisation of the instrument. For & on behalf of Bajaj Allianz General Insurance Company Ltd. Authorised Signatory Regd.Office:Bajaj Allianz House,Airport Road,Yerwada,Pune-411006"}, {"page": 11, "text": "PRIVATECARSTANDALONEODPOLICY:ADDONCOVERS(Plan Name:Consumable Expeness And Drive Assure Welcome):POLICYWORDINGS S1-24x7SPOTASSISTANCE (UIN No.IRDAN113RP0001V01201920/A0009V01201920) A.Endorsement Wordings Inconsiderationofthepaymentofadditionalpremium,itisherebyagreedanddeclaredthat Youshallbeentitledtooneor moreofthebelowmentionedbenefitsdependingontheplanoptedby Youandasshownonthe Schedule: (A) Flat Battery: In the event of the Insured Vehicle being immobilized due to a flat battery, We will make al- ternative arrangements to make the Insured Vehicle mobile again provided the event has occurred within 100 kilometers from the center point of the city of Your residence and the Insured Vehicle has not reached a work- shop/repairer. (B) Spare Keys: In the event of You losing keys of the Insured Vehicle , We will arrange for the pick up and delivery of spare keys to the spot where the Insured Vehicle is located provided the event has oc- curredwithin100kilometersfromthecenterpointofthecityof Yourresidenceandthe Insured Vehiclehasnot reached a workshop/repairer. (C) Flat Tyre: In the event of the Insured Vehicle being immobilized due to flat tyres,Wewillarrangefortherefilloftheflattyresand/orreplacementoftheflattyreswithausablesparetyreto make the Insured Vehicle mobile again provided the event has occurred within 100 kilometers from the center pointofthecityof Yourresidenceandthe Insured Vehiclehasnotreachedaworkshop/repairer.(D)Minor Re- pairs:Intheeventofthe Insured Vehiclebeingimmobilizedduetomechanicaland/orelectricalbreakdown,We will arrange for minor mechanical and/or electrical repairs to make the Insured Vehicle mobile again provided theeventhasoccurredwithin100kilometersfromthecenterpointofthecityof Yourresidenceandthe Insured Vehiclehasnotreachedaworkshop/repairer.(E)Towing Facility:Intheeventofthe Insured Vehiclegettingim- mobilized as a result of Accident and/or breakdown, We shall arrange for towing away of the Insured Vehicle from the spot of immobilization to Our nearest preferred workshop provided the event has occurred within 100 kilometersfromthecenterpointofthecityof Yourresidence.(F)Urgent Message Relays:Intheeventofthe In- sured Vehicle getting immobilized as a result of Accident and/or breakdown, We will send urgent message on Your request to the specified persons through available means of communication (G) Medical Co-ordination: In theeventofthe Insured Vehiclemeetingwithan Accident,Youcancall Usonour Toll Free Number,mentioned onthe Schedule,toobtaindetailsregardingthenearestmedicalcenterthatcanprovideemergencyreliefservices. (H)Fuel Assistance:Intheeventofthe Insured Vehiclebeingimmobilizedduetoanemptyfueltankand/orcon- taminated fuel, We will either arrange for supply of 3 litres of petrol or diesel on chargeable basis and/or towing ofthe Insured Vehicleto Ournearestpreferredworkshopprovidedtheeventhasoccurredwithin100kilometers fromthecenterpointofthecityof Yourresidenceandthe Insured Vehiclehasnotreachedaworkshop/repairer. (I)Taxi Benefits:Intheeventofthe Insured Vehiclemeetingwithan Accident/breakdown,Wewillarrangefora freetraveloftheoccupantsofthe Insured Vehicletoasingledestinationwithinavicinityof50kilometersfrom thespotofimmobilizationthroughataxioranyothertransportationserviceprovidedtheeventhasoccurredwith- in 100 kilometers from the center point of the city of Your residence and the Insured Vehicle has to be towed away to Our nearest preferred workshop. Any travel beyond 50 kilometers can be covered on payment of addi- tionalamountasspecifiedby Us.Intheunlikelyeventof Webeingunabletoarrangeforthisservice,Wemayre- quest Youtoarrangeforataxitotransfertheoccupantsofthe Insured Vehicleon Yourownandsubmitthebills for a pre-communicated amount for re-imbursement to Us. (J) Accommodation Benefits: In the event of the In- sured Vehicle meeting with an Accident/breakdown, We will provide occupants of the Insured Vehicle with a hotelaccommodationforonedayprovidedtheeventhasoccurredbeyond100kilometersfromthecenterpointof the city of Your residence but within 100 kilometers of another covered city and the time to repair the Insured Vehiclewillexceed12hoursfromthetimeofreportingtheincident. Theaccommodationbenefitswouldbeofferedsubjecttoaperdaylimitof Rs.2,000peroccupantandamaxim- umtotallimitof Rs.16,000foralltheoccupantsofthe Insured Vehiclethroughoutthe Policy Period.Intheun- likely event of We being unable to arrange for this service, We may request You to arrange for a hotel accom- modation for the occupants of the Insured Vehicle on Your own and submit the bills for a pre-communicated amount for re-imbursement to Us. (K)Legal Advice: In the event of the Insured Vehicle meeting with an Acci- dent,Youshallbeentitledforafreelegaladvicefromalegaladvisoroverthephoneforamaximumdurationof 30minutes.Subsequenttotheexpiryofthespecifiedperiodof30minutes,Youmaycontinuewiththesamelegal advisorondirectpaymentbasis B.Conditions (1).Incaseoftransferofownershipofthe Insured Vehicle,thecoverunder'24x7Spot Assistance'shallexpire. (2) The benefits under '24x7 Spot Assistance' can be utilized for a maximum of 4 times during the Policy Period exceptfor'Fuel Assistance','Taxi Benefits','Accommodation Benefits'and'Legal Advice'forwhichtheaggregate utilizationlimitis2timesduringthe Policy Period C.Exclusions (1) Where the Insured Vehicle can be safely transferred on its own power to nearest dealer/workshop. (2) Any Accident,loss,damageand/orliabilitycaused,sustainedorincurredwhilstthe Insured Vehicleisbeingusedoth- erwise than in accordance with the limitations as to use. (3) Any liability of whatsoever nature directly or indir- ectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromany nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception, combustionshallincludeanyself-sustainingprocessofnuclearfission.(4)Any Accident,loss,damageand/orli- abilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedto/byortraceabletoorarising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether beforeorafterdeclarationofwar),civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindir- ect consequences of any of the said occurrences. (5) Any loss or damage caused due to riots, strikes and Act of"}, {"page": 12, "text": "PRIVATECARSTANDALONEODPOLICY:ADDONCOVERS(Plan Name:Consumable Expeness And Drive Assure Welcome):POLICYWORDINGS Godperilslikeflood,earthquakeetc.(6)Claimspertainingtotheftlosses.(7)Anyconsequentiallossarisingout ofclaimslodgedunder'24x7Spot Assistance'.(8)Wherealossiscoveredunder Motor Insurance Policyorany other type of insurance policy with any other insurer or manufacturer's warranty or recall campaign or under any othersuchpackagesatthesametime.(9)Replacementcostofbatteryand/oranyassociatedrepaircost.(10)Cost of supply of parts or replacements elements or consumables. (11)Repair cost of tyre and/or parts or replacement cost of any part of consumable at a third party workshop/repairer. (12)Any taxes, levy and expenses incurred in excessofthelimitdescribedundertheplanoptedby You.(13)Lossofvaluablesandpersonalbelongingskeptin the Insured Vehicle.(14)Anylossordamagetothe Insured Vehiclearisingoutofparticipationinamotorra- cingcompetitionortrialruns.(15)Whereitisprovedthat Youhaveabusedthebenefitsunder'24x7Spot Assist- ance'. (16)Any loss or damage caused due to pre- existing damages. (17)Any loss or damage arising out of inter- vention of Government Authorized Agencies, Police Authorities or Law Enforcing Agencies . (18)Any loss or damage resulting from the use of Insured Vehicle against the recommendations of the owners manual and/or manufacturer'smanual.(19)Anylossresultingfrom Yourdeliberateorintentionaland/orunlawfulorcriminalact (20)Benefits under 'Taxi Benefits' and 'Accommodation Benefits' for occupants in excess of the seating capacity as per the registration certificate of the Insured Vehicle . (21)Additional cost incurred in towing the Insured Vehicletoadealer/workshopasspecifiedby Youinsteadto Ourspecifiednearestauthorizedworkshop.(22)Ser- vicesorganizedwithout Ourpriorconsentforthevariousassistanceservices.(23)If Youor Yourpersonalrepres- entative is already at a garage for delivery of the Insured Vehicle or at the place of recovery in case of theft (24)Mechanical and/or electrical breakdowns that require replacement of spare parts and/or specialized tools/ equipmentsthatareusuallyavailableonlyinautomotiveworkshops If Youdonotagreewhetheranyoftheseexclusionsapplyto Yourclaim,Youagreetoaccepttheburdenofprovingthat theydonotapply. D.Definitions The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe- malethecontextpermitsandifappropriate. (1)You,Your,Yourself:Thepersonorpersons Weinsureassetoutinthe Schedule.(2)We,Our,Us:Bajaj Al- lianz General Insurance Company Limited and/or the Service Provider with whom Bajaj Allianz General Insur- ance Company Limitedhasenteredintoacontracttoprovidethebenefitsunderthiscoverto You.(3)Accident, Accidental:Asudden,unintendedandfortuitousexternalandvisibleevent.(4)Policy/Motor Insurance Policy: Private Car Package Policy issued by Us to which this cover is extended. (5) Insured Vehicle : The vehicle in- sured by Us under the Motor Insurance Policy. (6) Policy Period: The period between and including the com- mencementdateandexpirydateasshowninthe Motor Insurance Policy Schedule.(7)Schedule:The Sched- uleandany Annexureor Endorsementtoitwhichsetsout Yourpersonaldetailsandthetypeofinsurancecover inforce S3-DEPRECIATIONSHIELD (UIN No.IRDAN113RP0001V01201920/A0003V01201920) A.Endorsement Wordings Inconsiderationofpaymentofadditionalpremium,itisherebyagreedanddeclaredthatthis Policyextendstocoverthe depreciationamount,partlyorfully,onassesseddamagedpartsallowedforreplacementduringrepairsintheeventofa Partial Losstothe Insured Vehicle. In the event You have opted for co-payment, Your contribution shall be to the extent agreed by You as shown in the Scheduleforthedepreciationamountontheassessedpartsforeachandevery Partial Lossclaim. The benefits under 'Depreciation Shield' would be available only if the Insured Vehicle is repaired at Our authorized workshops. In case You have opted to repair the Insured Vehicle at a non-authorized workshop, Our liability will be restrictedto90%oftheassessedtotalclaimamountunderthiscover. B.Conditions (A) Claims made by You against Us under 'Depreciation Shield' are subject to the terms and conditions set forth under the Motor Insurance Policy. (B) In case of transfer of ownership of the Insured Vehicle , the cover under 'Depreciation Shield' shall expire. (C) The benefits under 'Depreciation Shield' can be utilized for a maximum of twotimesduringthe Policy Period C.Exclusions In addition to the exclusions mentioned under Motor Insurance Policy, We will not be liable to indemnify You for the followingevents: (1)Wherethe Own Damage Claimmadeby Youagainst Usunderthe Motor Insurance Policyisnotpayable(2) Depreciationpertainingtoanypart/subpart/accessoriesnotapprovedforreplacementby Usunder Motor Insur- ance Policy. (3) Loss or damage to tyres and/or battery of the Insured Vehicle . (4) Consequential loss of any kindarisingoutofclaimslodgedunder'Depreciation Shield'.(5)Wherealossiscoveredunder Motor Insurance Policyoranyothertypeofinsurancepolicywithanyotherinsurerormanufacturer'swarrantyorrecallcampaign orunderanyothersuchpackagesatthesametime If Youdonotagreewhetheranyoftheseexclusionsapplyto Yourclaim,Youagreetoaccepttheburdenofprovingthat theydonotapply. D.Definitions"}, {"page": 13, "text": "PRIVATECARSTANDALONEODPOLICY:ADDONCOVERS(Plan Name:Consumable Expeness And Drive Assure Welcome):POLICYWORDINGS The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe- malethecontextpermitsandifappropriate. (1)You,Your,Yourself:Thepersonorpersons Weinsureassetoutinthe Schedule.(2)We,Our,Us:Bajaj Alli- anz General Insurance Company Limited.(3)Accident,Accidental:Asudden,unintendedandfortuitousexternal andvisibleevent.(4)Policy/Motor Insurance Policy:Private Car Package Policyissuedby Ustowhichthiscov- erisextended(5)Insured Vehicle:Thevehicleinsuredby Usunderthe Motor Insurance Policyandasshown onthe Schedule.(6)Policy Period:Theperiodbetweenandincludingthecommencementdateandexpirydateas shown in the Motor Insurance Policy Schedule . (7) Schedule : The Schedule and any Annexure or Endorse- ment to it which sets out Your personal details and the insurance cover in force. (8) Own Damage Claim: The claimsraisedby Youagainst Usforlossordamagetothe Insured Vehicleduetotheperilsmentionedunder Sec- tion 1 of Motor Insurance Policy. (9) Total Loss/ Constructive Total Loss: A loss under the Motor Insurance Policywheretheaggregatecostofretrievaland/orrepairofthe Insured Vehicle,subjecttotermsandconditions ofthe Policy,exceeds75%ofthe ID Vofthe Insured Vehicle.(10)Partial Loss:Anylossfallingintoacategory otherthan(A)thelossmentionedunder Sr.No.9aboveand(B)theftofthe Insured Vehicle S17:CONSUMABLEEXPENSES (UIN No.IRDAN113RP0001V01201920/A0011V01201920) A.Endorsement Wordings In consideration of payment of additional premium, it is hereby agreed and declared that if the Insured Vehicle is damagedbyacoveredperilmentionedundertheowndamagesectionofthe Motor Insurance Policy andneedstobe repaired, We will cover cost of consumables required to be replaced/ replenished during the repair of the damaged vehicle.Consumableforthepurposeofthiscovershallincludeengineoil,gearboxoil,powersteeringoil,coolant,AC gasoil,brakeoil,ACrefrigerant,batteryelectrolyte,windshieldwasherfluid,radiatorcoolant,nut&bolt,screw,oilfil- ter,fuelfilter,bearings,washers,clip,wheelbalancingweights,anditemsofsimilarnatureexcludingfuel. B.Conditions (a)Thiscoverisapplicableifitisshownon Yourschedule.(b)Claimsmadeby Youagainst Usunder 'CONSUM- ABLEEXPENSES'aresubjecttothetermsandconditionssetforthunderthe Motor Insurance Policy.(c)Incase of transfer of ownership of the Insured Vehicle , the cover under 'CONSUMABLE EXPENSES' shall expire. (d)Thebenefitsunderunder'CONSUMABLEEXPENSES'wouldbeavailableonlyifthe Insured Vehicleisre- pairedat Our authorizedworkshops. C.Exclusions Inadditiontotheexclusionsmentionedunder Motor Insurance Policy,Wewillnotbeliabletoindemnify Youforthe following events: (1)Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is not payable. (2) Consumables pertaining to any part/ sub part/ accessories not approved for replacement by Us under Motor Insurance Policy. (3)Where a loss is covered under Motor Insurance Policy or any other type of insurance policy with any other insurer or manufacturer's warranty or recall campaign or under any other such packages at the sametime. D.Definitions The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe- malethecontextpermitsandifappropriate. (1)Authorizedworkshop/garage/servicestation-Amotorvehiclerepairworkshop/garage/servicestationauthor- izedbyus.(2)Insured Vehicle:Thevehicleinsuredby Usunderthe Motor Insurance Policyandasshownonthe Sched- ule. (3)Policy/ Motor Insurance Policy: Motor Package Policy issued by Us to which this cover is extended. (4)Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your personal details and the insur- ancecoverinforce.(5)We,Our,Us:Bajaj Allianz General Insurance Company Limited.(6)You, Your, Yourself:The personorpersons Weinsureassetoutinthe Schedule."}], "page_count": 13, "lab_mode": true}


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original_filename: BAJAJ ALLIANZ GENERAL Policy (3)-1.pdf
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original_filename: UNITED INDIA INSURANCE DOC-20231107-WA0075..pdf
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  {"company_code": "bajaj_allianz", "company_name": "Bajaj Allianz", "fields": [{"field_name": "engine_number", "value": "Chassis", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "mobile_number", "value": "9812878250", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "premium_amount", "value": "6474.00", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "private_car", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "bajaj_allianz", "name": "Bajaj Allianz", "confidence": 1.0}, "checksum": "52c6ea71226d84c74c1b74ac551453893072de8a9286e7f0d4c19b0794912537", "file_size": 227489, "raw_text": "UNITED INDIA INSURANCE COMPANY LIMITED CHAUTALA ROAD OPPPOSITE CIVIL HOSPITAL MANDI DABWALI, SIRSA, HARYANA SIRSA - 125104 HARYANA PH: (01668) 229875,(01668) 230873 FAX: EMAIL: PCV 3 WHEELER NOT EXCEEDING 6 PSGRS PACKAGE POLICY UIN. IRDAN545RP0048V01199900 POLICY NO.:1119013123P109630122 VEHICLE NO.:HR - 46 - D - 9076 PERIOD OF INSURANCE From 00:00 Hrs of 08/11/2023 To Midnight of 07/11/2024 Insured MR RAMESH S/O SH DHARMVEER R/O 377/35 JANTA COLONY ROHTAK HR 124001 ROHTAK HARYANA CONTACT NUMBER: 9812878250 (M) IMPORTANT NOTICE: KINDLY UPDATE YOUR AADHAAR NO. AND PAN/FORM 60. PLEASE IGNORE IF ALREADY UPDATED. Agent Name : JITENDER Agent Code : UIIP1119010409 9992958222 Mobile/Landline Number/Email : sajjansangwan123@gmail.com The genuineness of the policy can be verified through \"Verify Your Policy\" link at www.uiic.co.in. For any Information, Service Requests, Claim intimation and Grievances please write to 111901@uiic.co.in Download Customer App(www.uiic.co.in). REGD. & HEAD OFFICE, 24, WHITES ROAD, CHENNAI - 600014. Website: http://www.uiic.co.in Printed By : CUSTOMER @ 07/11/2023 3:53:39 PM 1 / 4\n\nUNITED INDIA INSURANCE COMPANY LIMITED CERTIFICATE OF INSURANCE PCV 3 WHEELER NOT EXCEEDING 6 PSGRS- PACKAGE POLICY UIN. IRDAN545RP0048V01199900 (FORM 51 OF CENTRAL MOTOR VEHICLE RULES 1989) Policy No. 1119013123P109630122 Certificate Number 1119013123P109630122 Customer Id 23263781419 Issuing Office Address Code 111901 Name of the Insured MR RAMESH CHAUTALA ROAD S/O SH DHARMVEER R/O 377/35 JANTA OPPPOSITE CIVIL HOSPITAL MANDI DABWALI, SIRSA, HARYANA COLONY ROHTAK HR 125104 SIRSA Address of the Insured 124001 HARYANA ROHTAK Telephone (01668) 229875,(01668) 230873 HARYANA Business/Occupation Others Mobile No.- 9812878250 Effective date of commencement of Insurance for the purpose of Insured's Declared Value 80000 Act from 00:00 Hrs on 08/11/2023 Date of Expiry of the Insurance Midnight on 07/11/2024 Particulars of Vehicle Insured Registration No. Obsolete Type of Year of HP/Cubic Carrying Trailer Engine No. Chassis No. Make/Model Vehicle Vehicle Body Mfg Capacity Capacity (if any) PIAGGIO VEHICLES PVT. LTD. / AUTO HR - 46 - D - 9076 No S5H8456992MBX0000ZFTH136986 2015 197 4 APE CITY RICKSHAW DLX APE CITY Public / Registration Authority Geographical Area Private HR46 ROHTAK INDIA Public Amount in words: Seven thousand six hundred forty rupees only Persons or classes of persons entitled to drive Driver's Clause: Persons or classes of persons entitled to drive:- Any person including Insured provided that the person driving holds an effective and valid driving licence to drive the category of vehicle insured hereunder, at the time of the accident and is not disqualified from holding or obtaining such a licence. Provided also that a person holding an effective and valid Learner's Licence to drive the category of the vehicle insured hereunder may also drive the vehicle when not used for transport of passengers at the time of accident and that the person satisfies the requirements of Rule 3 of Central Motor Vehicle Rule, 1989. Note:- The policy does not cover liability for death, bodily injury or damage as excluded insection 150 (2) (ii) and (iii)\u037e (b) and (c) of the Motor Vehicles Act, 1988. Limitations as to use Premium: 6,474.00 CGST(9%): 583.00 The policy covers use only under a permit within the meaning of SGST(9%): 583.00 Motor Vehicles Act, 1988 or such a carriage falling under Subsection Stamp Duty: 1.00 3 of Section 66 of the Motor Vehicles Act, 1988. Total(Rounded Off): 7,640.00 The policy does not cover use for: Receipt Number : 10111190123111002679 a) Organized Racing Receipt Date: 07/11/2023 b) Pace Making Debit Note Number: c) Reliability tools d) Speed Testing Document Date: e) Use whilst drawing a trailer except the towing (other than for reward) of any one disabled mechanically propelled vehicle Limits of Liability UIIP1119010409 Agency/Broker Code: Under Section II-I (i) Death or bodily injury in respect of any one JITENDER accident\u037e As per Motor Vehicles Act 1988 Direct Business: Under Section II-I (ii) Damage to third party property in respect of BD24899 BDIS Code: any one claim or series of claims arising out of one event: 750000 PARMOD KUMAR JHAMB /- Subject to IMT Endorsement No.s, terms and conditions printed herein / attached hereto 21,23,28,38 I/We hereby certify that the policy to which the certificate relates as well as For and On behalf of the certificate of insurance are issued in accordance with provisions of United India Insurance Co. Ltd. Chapter X & XI of M.V Act, 1988. Date of Issue: 08/11/2023 Duly Constituted Attorney 2 / 4\n\nPolicy No.: 1119013123P109630122 PCV 3 WHEELER NOT EXCEEDING 6 PSGRS -PACKAGE POLICY UIN. IRDAN545RP0048V01199900 SCHEDULE Policy No. 1119013123P109630122 Previous Policy No. Customer Id 23263781419 Name MR RAMESH Insured Details Tel (O): Tel (R) Fax: Email: anshkumarrtk@gmail.com Mobile: 9812878250 Business / Occupation Others Period of Insurance From 00:00 Hrs of 08/11/2023 To Midnight of 07/11/2024 Co-Insurance Type Particulars of Vehicle Insured Obsolete Registration No. Engine No. Chassis No. Make/Model Vehicle PIAGGIO VEHICLES PVT. LTD. / APE CITY DLX APE HR - 46 - D - 9076 No S5H8456992 MBX0000ZFTH136986 CITY HP/Cubic Year of Mfg Type of Body Carrying Capacity Public/Private Capacity 2015 AUTO RICKSHAW 197 4 Public Insured's Declared Value Electrical/Electronic Total For Vehicle Trailer Non Electrical Accessories CNG Unit LPG Unit Accessories Value 80000 0 0 0 0 0 80000 Registration Authority Auto Association Membership No. Geographical Area Extension HR46 ROHTAK INDIA Amount in words: Seven thousand six hundred forty rupees only Persons or classes of persons entitled to drive Driver's Clause: Persons or classes of persons entitled to drive:- Any person including Insured provided that the person driving holds an effective and valid driving licence to drive the category of vehicle insured hereunder, at the time of the accident and is not disqualified from holding or obtaining such a licence. Provided also that a person holding an effective and valid Learner's Licence to drive the category of the vehicle insured hereunder may also drive the vehicle when not used for transport of passengers at the time of accident and that the person satisfies the requirements of Rule 3 of Central Motor Vehicle Rule, 1989. Limitations as to use The policy covers use only under a permit within the meaning of Motor Vehicles Act, 1988 or such a carriage falling under Subsection 3 of Section 66 of the Motor Vehicles Act, 1988. a) Organized 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 Limits of Liability As narrated in the Certificate of Insurance attached herewith. EXCLUSIONS : 1) Any accidental loss or damage or Liability / caused or sustained or incurrred outside the geographical area. 2) Any claim arising out of any contractual liability. 3) Any accidental loss or damage to any property whatsoever or any loss or any expense whatsoever resulting or arising there from or any consequential loss. 4) Any liability of whatsoever nature directly or indirectly caused by or constituted to or by or arising out of ionizing radiations or contamination by radioactivity from any nuclear fuel. For the purpose of this exception, combustion shall include any self-sustaining process of nuclear fission. 5) Any accidental loss or damage or liability directly or indirectly caused by or contributed to, by or arising from nuclear weapons material. 6) Any accidental loss, damage or liability directly or indirectly or proximatley or remotely occasioned by contributed to, by or traceable to or arising out of or in connection with war, invasion, act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war), civil war, mutiny, rebellion, military or usurped power, or by any direct or indirect consequence of any of the said occurrences or may consequence thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim. This policy is subject to terms and conditions and IMT Endorsement Nos. printed herein / attached hereto 21,23,28,38 Imposed Excess 0 Voluntary Excess 0 Compulsory Excess 500 3 / 4\n\nPolicy No.: 1119013123P109630122 SCHEDULE OF PREMIUM (IN ) OWN DAMAGE LIABILITY Basic premium on Vehicle and Accessories B. Basic - TP 2,539.00 A. Basic - OD 211.68 Total 2,539.00 Total 211.68 Add : LL to Paid Driver IMT 28 50.00 Add : Legal Liability to Passenger 3,642.00 Cover for lamps, tyres, tubes etc 31.75 Sub Total (Additions) 31.75 Sub Total (Additions) 3,692.00 Gross TP(B) 6,231.00 Gross OD(A) 243.00 Gross OD & TP: 6,474.00 (A) + (B) TERMS AND CONDITIONS As per the Indian Motor Tariff. Personal copy of the same is available free of cost on request. Further, the Indian Motor Tariff is also available and displayed at all United India Insurance Company offices and on UIIC website : www.uiic.co.in Disclaimer : The Policy stands cancelled or void in the event of Cheque Dishonor. The Company may cancel the policy by sending 7 days notice in case of any fraud or misrepresentation, non-disclosure of material fact or non-co-operation of the insured. 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\". For Legal interpretation, English version will hold good. In the event of accident, the Insured should inform United India Insurance Co. immediately to arrange spot survey. Agency/Broker UIIP1119010409 Receipt Premium: 6,474.00 10111190123111002679Code: Number : JITENDER CGST(9%): 583.00Receipt Date : 07/11/2023Direct Business: SGST(9%): 583.00 BDIS: BD24899 Debit Note Stamp Duty: 1.00 PARMOD KUMAR Number : JHAMB Document Total(Rounded off): 7,640.00 Date : Customer GST/UIN No.: Office GST No.: 06AAACU5552C1ZN SAC Code: 997134 Invoice No. & Date: 3123I109630122 & 07/11/2023 Amount Subject to Reverse Charges-NIL 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:-With reference to IRDAI circular no IRDAI/NL/CIR/MOTP/170/10/2018 dated 09/10/2018 and as per the declaration given in the proposal form by owner driver Compulsory Personal Accident (CPA) cover is removed, since he/she is not holding a valid driving license. Underwriter Remarks: PI DONE BY MAHENDRA FIRST CHOICE PI15259305 Anti Money Laundering Clause:-In the event of a claim under the policy exceeding 1 lakh or a claim for refund of premium exceeding 1 lakh, the insured will comply with the provisions of AML policy of the company. The AML policy is available in all our operating offices as well as Company's web site. LET US JOIN THE FIGHT AGAINST CORRUPTION. PLEASE TAKE THE PLEDGE AT https://pledge.cvc.nic.in. Date of Proposal and Declaration: 07/11/2023 IN WITNESS WHEREOF, this policy has been signed at BO MANDI DABWALI 111901 on this 07th day of November 2023 For and On behalf of United India Insurance Co. Ltd. Affix Policy Stamp here. Duly Constituted Attorney: Underwritten By - SAN28617 ( BO UW CUM CASHIER ) This is a system generated document and any manual alteration / correction / overwriting in the document will make it invalid. 4 / 4", "raw_text_pages": [{"page": 1, "text": "UNITED INDIA INSURANCE COMPANY LIMITED CHAUTALA ROAD OPPPOSITE CIVIL HOSPITAL MANDI DABWALI, SIRSA, HARYANA SIRSA - 125104 HARYANA PH: (01668) 229875,(01668) 230873 FAX: EMAIL: PCV 3 WHEELER NOT EXCEEDING 6 PSGRS PACKAGE POLICY UIN. IRDAN545RP0048V01199900 POLICY NO.:1119013123P109630122 VEHICLE NO.:HR - 46 - D - 9076 PERIOD OF INSURANCE From 00:00 Hrs of 08/11/2023 To Midnight of 07/11/2024 Insured MR RAMESH S/O SH DHARMVEER R/O 377/35 JANTA COLONY ROHTAK HR 124001 ROHTAK HARYANA CONTACT NUMBER: 9812878250 (M) IMPORTANT NOTICE: KINDLY UPDATE YOUR AADHAAR NO. AND PAN/FORM 60. PLEASE IGNORE IF ALREADY UPDATED. Agent Name : JITENDER Agent Code : UIIP1119010409 9992958222 Mobile/Landline Number/Email : sajjansangwan123@gmail.com The genuineness of the policy can be verified through \"Verify Your Policy\" link at www.uiic.co.in. For any Information, Service Requests, Claim intimation and Grievances please write to 111901@uiic.co.in Download Customer App(www.uiic.co.in). REGD. & HEAD OFFICE, 24, WHITES ROAD, CHENNAI - 600014. Website: http://www.uiic.co.in Printed By : CUSTOMER @ 07/11/2023 3:53:39 PM 1 / 4"}, {"page": 2, "text": "UNITED INDIA INSURANCE COMPANY LIMITED CERTIFICATE OF INSURANCE PCV 3 WHEELER NOT EXCEEDING 6 PSGRS- PACKAGE POLICY UIN. IRDAN545RP0048V01199900 (FORM 51 OF CENTRAL MOTOR VEHICLE RULES 1989) Policy No. 1119013123P109630122 Certificate Number 1119013123P109630122 Customer Id 23263781419 Issuing Office Address Code 111901 Name of the Insured MR RAMESH CHAUTALA ROAD S/O SH DHARMVEER R/O 377/35 JANTA OPPPOSITE CIVIL HOSPITAL MANDI DABWALI, SIRSA, HARYANA COLONY ROHTAK HR 125104 SIRSA Address of the Insured 124001 HARYANA ROHTAK Telephone (01668) 229875,(01668) 230873 HARYANA Business/Occupation Others Mobile No.- 9812878250 Effective date of commencement of Insurance for the purpose of Insured's Declared Value 80000 Act from 00:00 Hrs on 08/11/2023 Date of Expiry of the Insurance Midnight on 07/11/2024 Particulars of Vehicle Insured Registration No. Obsolete Type of Year of HP/Cubic Carrying Trailer Engine No. Chassis No. Make/Model Vehicle Vehicle Body Mfg Capacity Capacity (if any) PIAGGIO VEHICLES PVT. LTD. / AUTO HR - 46 - D - 9076 No S5H8456992MBX0000ZFTH136986 2015 197 4 APE CITY RICKSHAW DLX APE CITY Public / Registration Authority Geographical Area Private HR46 ROHTAK INDIA Public Amount in words: Seven thousand six hundred forty rupees only Persons or classes of persons entitled to drive Driver's Clause: Persons or classes of persons entitled to drive:- Any person including Insured provided that the person driving holds an effective and valid driving licence to drive the category of vehicle insured hereunder, at the time of the accident and is not disqualified from holding or obtaining such a licence. Provided also that a person holding an effective and valid Learner's Licence to drive the category of the vehicle insured hereunder may also drive the vehicle when not used for transport of passengers at the time of accident and that the person satisfies the requirements of Rule 3 of Central Motor Vehicle Rule, 1989. Note:- The policy does not cover liability for death, bodily injury or damage as excluded insection 150 (2) (ii) and (iii)\u037e (b) and (c) of the Motor Vehicles Act, 1988. Limitations as to use Premium: 6,474.00 CGST(9%): 583.00 The policy covers use only under a permit within the meaning of SGST(9%): 583.00 Motor Vehicles Act, 1988 or such a carriage falling under Subsection Stamp Duty: 1.00 3 of Section 66 of the Motor Vehicles Act, 1988. Total(Rounded Off): 7,640.00 The policy does not cover use for: Receipt Number : 10111190123111002679 a) Organized Racing Receipt Date: 07/11/2023 b) Pace Making Debit Note Number: c) Reliability tools d) Speed Testing Document Date: e) Use whilst drawing a trailer except the towing (other than for reward) of any one disabled mechanically propelled vehicle Limits of Liability UIIP1119010409 Agency/Broker Code: Under Section II-I (i) Death or bodily injury in respect of any one JITENDER accident\u037e As per Motor Vehicles Act 1988 Direct Business: Under Section II-I (ii) Damage to third party property in respect of BD24899 BDIS Code: any one claim or series of claims arising out of one event: 750000 PARMOD KUMAR JHAMB /- Subject to IMT Endorsement No.s, terms and conditions printed herein / attached hereto 21,23,28,38 I/We hereby certify that the policy to which the certificate relates as well as For and On behalf of the certificate of insurance are issued in accordance with provisions of United India Insurance Co. Ltd. Chapter X & XI of M.V Act, 1988. Date of Issue: 08/11/2023 Duly Constituted Attorney 2 / 4"}, {"page": 3, "text": "Policy No.: 1119013123P109630122 PCV 3 WHEELER NOT EXCEEDING 6 PSGRS -PACKAGE POLICY UIN. IRDAN545RP0048V01199900 SCHEDULE Policy No. 1119013123P109630122 Previous Policy No. Customer Id 23263781419 Name MR RAMESH Insured Details Tel (O): Tel (R) Fax: Email: anshkumarrtk@gmail.com Mobile: 9812878250 Business / Occupation Others Period of Insurance From 00:00 Hrs of 08/11/2023 To Midnight of 07/11/2024 Co-Insurance Type Particulars of Vehicle Insured Obsolete Registration No. Engine No. Chassis No. Make/Model Vehicle PIAGGIO VEHICLES PVT. LTD. / APE CITY DLX APE HR - 46 - D - 9076 No S5H8456992 MBX0000ZFTH136986 CITY HP/Cubic Year of Mfg Type of Body Carrying Capacity Public/Private Capacity 2015 AUTO RICKSHAW 197 4 Public Insured's Declared Value Electrical/Electronic Total For Vehicle Trailer Non Electrical Accessories CNG Unit LPG Unit Accessories Value 80000 0 0 0 0 0 80000 Registration Authority Auto Association Membership No. Geographical Area Extension HR46 ROHTAK INDIA Amount in words: Seven thousand six hundred forty rupees only Persons or classes of persons entitled to drive Driver's Clause: Persons or classes of persons entitled to drive:- Any person including Insured provided that the person driving holds an effective and valid driving licence to drive the category of vehicle insured hereunder, at the time of the accident and is not disqualified from holding or obtaining such a licence. Provided also that a person holding an effective and valid Learner's Licence to drive the category of the vehicle insured hereunder may also drive the vehicle when not used for transport of passengers at the time of accident and that the person satisfies the requirements of Rule 3 of Central Motor Vehicle Rule, 1989. Limitations as to use The policy covers use only under a permit within the meaning of Motor Vehicles Act, 1988 or such a carriage falling under Subsection 3 of Section 66 of the Motor Vehicles Act, 1988. a) Organized 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 Limits of Liability As narrated in the Certificate of Insurance attached herewith. EXCLUSIONS : 1) Any accidental loss or damage or Liability / caused or sustained or incurrred outside the geographical area. 2) Any claim arising out of any contractual liability. 3) Any accidental loss or damage to any property whatsoever or any loss or any expense whatsoever resulting or arising there from or any consequential loss. 4) Any liability of whatsoever nature directly or indirectly caused by or constituted to or by or arising out of ionizing radiations or contamination by radioactivity from any nuclear fuel. For the purpose of this exception, combustion shall include any self-sustaining process of nuclear fission. 5) Any accidental loss or damage or liability directly or indirectly caused by or contributed to, by or arising from nuclear weapons material. 6) Any accidental loss, damage or liability directly or indirectly or proximatley or remotely occasioned by contributed to, by or traceable to or arising out of or in connection with war, invasion, act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war), civil war, mutiny, rebellion, military or usurped power, or by any direct or indirect consequence of any of the said occurrences or may consequence thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim. This policy is subject to terms and conditions and IMT Endorsement Nos. printed herein / attached hereto 21,23,28,38 Imposed Excess 0 Voluntary Excess 0 Compulsory Excess 500 3 / 4"}, {"page": 4, "text": "Policy No.: 1119013123P109630122 SCHEDULE OF PREMIUM (IN ) OWN DAMAGE LIABILITY Basic premium on Vehicle and Accessories B. Basic - TP 2,539.00 A. Basic - OD 211.68 Total 2,539.00 Total 211.68 Add : LL to Paid Driver IMT 28 50.00 Add : Legal Liability to Passenger 3,642.00 Cover for lamps, tyres, tubes etc 31.75 Sub Total (Additions) 31.75 Sub Total (Additions) 3,692.00 Gross TP(B) 6,231.00 Gross OD(A) 243.00 Gross OD & TP: 6,474.00 (A) + (B) TERMS AND CONDITIONS As per the Indian Motor Tariff. Personal copy of the same is available free of cost on request. Further, the Indian Motor Tariff is also available and displayed at all United India Insurance Company offices and on UIIC website : www.uiic.co.in Disclaimer : The Policy stands cancelled or void in the event of Cheque Dishonor. The Company may cancel the policy by sending 7 days notice in case of any fraud or misrepresentation, non-disclosure of material fact or non-co-operation of the insured. 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\". For Legal interpretation, English version will hold good. In the event of accident, the Insured should inform United India Insurance Co. immediately to arrange spot survey. Agency/Broker UIIP1119010409 Receipt Premium: 6,474.00 10111190123111002679Code: Number : JITENDER CGST(9%): 583.00Receipt Date : 07/11/2023Direct Business: SGST(9%): 583.00 BDIS: BD24899 Debit Note Stamp Duty: 1.00 PARMOD KUMAR Number : JHAMB Document Total(Rounded off): 7,640.00 Date : Customer GST/UIN No.: Office GST No.: 06AAACU5552C1ZN SAC Code: 997134 Invoice No. & Date: 3123I109630122 & 07/11/2023 Amount Subject to Reverse Charges-NIL 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:-With reference to IRDAI circular no IRDAI/NL/CIR/MOTP/170/10/2018 dated 09/10/2018 and as per the declaration given in the proposal form by owner driver Compulsory Personal Accident (CPA) cover is removed, since he/she is not holding a valid driving license. Underwriter Remarks: PI DONE BY MAHENDRA FIRST CHOICE PI15259305 Anti Money Laundering Clause:-In the event of a claim under the policy exceeding 1 lakh or a claim for refund of premium exceeding 1 lakh, the insured will comply with the provisions of AML policy of the company. The AML policy is available in all our operating offices as well as Company's web site. LET US JOIN THE FIGHT AGAINST CORRUPTION. PLEASE TAKE THE PLEDGE AT https://pledge.cvc.nic.in. Date of Proposal and Declaration: 07/11/2023 IN WITNESS WHEREOF, this policy has been signed at BO MANDI DABWALI 111901 on this 07th day of November 2023 For and On behalf of United India Insurance Co. Ltd. Affix Policy Stamp here. Duly Constituted Attorney: Underwritten By - SAN28617 ( BO UW CUM CASHIER ) This is a system generated document and any manual alteration / correction / overwriting in the document will make it invalid. 4 / 4"}], "page_count": 4, "lab_mode": true}


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SUNARIAN KALAN DISTT. ROHTAK HARYANA, ROHTAK HARYANA 124001 Mobile No: 9812878250 Sub: Risk Assumption Letter Dear SATINDER, We value your relationship with ICICI Lombard General Insurance Company Limited and thank you for choosing us as your preferred insurance provider. Please find enclosed Policy No. 3005/A/325437983/00/B00, The same has been issued based on below mentioned details, provided by you at the time of policy purchase. Insured & Vehicle Details Name of the Insured SATINDER Period of Insurance Jan 19, 2024 to Jan 18, 2025 Vehicle Make / Model Suzuki / ACCESS RTO City HARYANA-ROHTAK Vehicle Registration No. HR12AD5809 Vehicle Registration Date Mar 20, 2017 Engine No. AF211213198 Chassis No. MB8DP11AAH8319481 1 Thecommencementofcoverageofriskunderthepolicyissubjecttorealisationofpaymentofpremiuminfull.Incasethepremiumisnotrealiseddueto cheque dishonour or any other reason, the insurance cover shall be void ab-initio. 1 We have issued the policy basis your confirmation that you hold a valid PUC and/or Fitness certificate, as applicable. 1 Governmentof Indiahasmandatedelectronictollpaymentsusing FAS Tagtoreducevehiculartrafficattollplazas.Customersareadvisedtocomplywiththe directionofthegovernmentandgettheir FAS Tagfrom Pointof Salelocationsat Toll Plazasorfrom Issuer Agency.Pleasevisithttp://www.fastag.org/for details. \u201cUpdatingyourbankdetailswithuswouldhelpfacilitatingfuturetransactions.Bankdetailscanbeeasilyupdatedusing\u201cIL\u2013Takecare\u201dApp.Downloadtheapp now for all your insurance and wellness needs and for faster resolution\u201d Pleasecheckthepolicydetailsforaccuracy.Shouldyoufindanydiscrepancy/requireanychangesinthe Certificateof Insurancecum Policy Schedule,please contactusimmediatelyatourtollfreenumber18002666oremailusatcustomersupport@icicilombard.com,sothatwecanrectifythesame.Absenceofany communication within a period of 15 days of the date mentioned on this letter, would mean that the issued policy is in order and as per your proposal. Important Points: a. Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered. b.Anyminorscratchestothevehcile,paintfading,wearandteararisingoutofnormaluseandrequiringtouch-uporminorrepairunderroutinemaintenancewill not be covered. c.Anyliabilityofwhatsoevernaturecausedby,contributedbyorarisingduetothevehiclebeingdrivenbyapersonwithouthavingvaliddrivinglicensewillnotbe covered. ( Please visist www.icicilombard.com for the policy wordings, for complete details on terms and conditions governing the coverage and NCB) Theinformationprovidedismerelyillustrativeandshallnotbeconstruedtobeanevidenceofexistenceofacontractofinsurance.The Risk Assumption Letter is to be read in conjunction with the policy and shall be considered null and void without the same. The Compulsory Personal Accidentcoverhasnotbeenoptedinthispolicyonaccountthat,the Ownerdriverhasaseparateexisting Personal Accidentcover against Death and Permanent Disability (Total and Partial) for Sum Insured of at least Rs.15 lacs. 7771/4102/IPO/PUS/PROC Jan 16, 2024 CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE 1 Two Wheeler Vehicles Liability Policy 1 Product Code: 3005/A UIN: IRDAN115RP0016V01200102 Name of the Insured : SATINDER Policy No. : 3005/A/325437983/00/B00 Address : R/O VPO. SUNARIAN KALAN DISTT. ROHTAK HARYANA,, Period of Insurance : Jan 19, 2024 12:00 to ROHTAK, HARYANA 124001 Midnight of Jan 18, 2025 Telephone No : Mobile No: 9812878250 E-Policy No. : ESB-638410205583177687 Email Address : ANSHKUMARRTK@GMAIL.COM Policy Issued On : Jan 16, 2024 Nominee Name : - Named Passenger's Nominee: Covernote No. : 325437983 Relationship : - - RTO Location : HARYANA-ROHTAK Age : - Hypothecated To : - GSTIN No. (Customer) : Invoice No. : 1001241426235 Servicing Branch Name : Gurgaon Servicing Branch Address : Tower D, Twelth Global Business Park Mehrauli Gurgaon Road Gurgaon Haryana 122002 Politically Exposed Person (PEP)/close relative of PEP: No Vehicle Registration Make Model Type of Body CC/KW Mfg Yr Seating Chassis No. Engine No. No Capacity Solo With HR12AD5809 Suzuki ACCESS 125 2017 2 MB8DP11AAH8319481 AF211213198 Pillion Premium Details LIABILITY (`) Basic Third Party Liability 714.00 Total 714.00 Total Liability Premium 714.00 % 9.00 CGST ` 64.26 % 9.00 SGST ` 64.26 % 0.00 UTGST ` 0.00 % 0.00 IGST ` 0.00 Total Tax Payable in ` 129.00 Total Premium Payable In ` 843.00 Geographical Area: India Applicable IMT Clauses: Premium Collection No. 1199002587 Premium Amount (`) ` 843.00 Receipt Date Jan 16, 2024 GSTIN Reg.No 06AAACI7904G1ZR HSN/SAC code 997134 / GENERAL INSURANCE SERVICES 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. Limitsof Liability:(a)Under Section II-I(i) of the policy: Death of or bodily injury & (b) Under Section II-I(ii) of the policy: Damage to Third Party Property- Such amount as is necessary to meet the requirements of the Motor Vehicles (Amendment) Act, 2019` 1,00,000.00/-; PA Cover for Owner-Driverunder Section III:CSI` 0.00/-.The Compulsory Personal Accidentcoverhas notbeenoptedin thispolicy on account that, the Owner driver has a separate existing Personal Accident cover against Death and Permanent Disability(Totaland Partial)for Sum Insured of at least Rs.15 lacs. Limitations as to Use: The Policy covers use of the vehicle for any purpose other than: Hire or Reward,carriage ofgoods (otherthansamples orpersonalluggage),Organizedracing,Pace making, Speed testing, Reliability trials, any purpose in connection with Motortrade.Driver's Clause:Anyperson including the insured: Provided that a person driving holds an effective driving license at the time of the accident and is not disqualifiedfrom 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 satisfiestherequirementsof Rule 3 ofthe Central Motor Vehicles Rules, 1989. Important Notice: The insured is not indemnified if the vehicle is used or driven otherwise thanin accordance withthisschedule.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\". Inconsiderationofthe premium for this extension being calculated at a pro-rata proportion of the annual premium, it is hereby declared and agreed by the insured that upon expiry ofthisextension,thispolicy shall be renewed for a period of twelve months, failing which the difference between the extension premium now paid on pro rata basis and the premium at short period rate shall become payable by the insured. For Legal interpretation, English version will hold good. Disclaimer: Please visit www.icicilombard.com for thepolicy wordings,forcompletedetailsontermsand conditionsgoverning the coverage and NCB. This document is to be read with the policy wordings. The policy is valid subject to realization of cheque. We accept premium only via legally recognized modes. In case of dishonour of premium cheque, the company shall not be liable under the policy and the policy shall be void ab-initio. In case ofany discrepancy withrespect to the policy, please revert within 15 days from the policy start date. This policy is underwritten on the basis of the information provided by you andas detailedin the Risk Assumption Letter shared with you along with the policy. On renewal, the benefits provided under the policy and/or terms and conditions of thepolicy includingpremiumratemaybesubjecttochange.Grievance Redressal: For resolution of any query or grievance you may contact us on our toll free no. 1800 2666,orvisitany ofourbranch offices.Youcan also writetous atcustomersupport@icicilombard.com.Fordetailedgrievance redressal mechanism pleasevisit the \"Grievance Redressal\" section on our website www.icicilombard.com. The Company reserves the right to cancel this Policy immediately upon becoming aware of any mis-representation, fraud, non-disclosure of material facts or non-cooperation by or on behalf of the Insured; the Company is not obliged to refund the premium paid under this Policy I/Wehereby certifythatthe Policytowhich this Certificaterelates, as well as, this Certificate of Insurance are issued in accordance with the provisions of Chapter X and Chapter XIof M.V.Act,1988.In witness whereof, this Policy has been signed at Mumbai on this date of Jan 16, 2024 in lieu of Covernote No. 325437983. The stamp duty of ` 0.50 paid vide deface no. CSD1820234850 dated Nov 30, 2023. Policy Issuing Office:ICICI Lombard General Insurance Company Limited,ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025. Warrantedthattheinsurednamed herein/ownerofthevehicle holdsa valid Pollution Under Control (PUC) Certificate and/or valid fitness certificate, as applicable, on the dateofcommencementofthe Policyandundertakestorenewandmaintain 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. 7771/4102/IPO/PUS/PROC Jan 16, 2024 CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE 1 Two Wheeler Vehicles Liability Policy 1 Product Code: 3005/A UIN: IRDAN115RP0016V01200102 Point of Sale (POS) Details POS Number POS Name Contact Details PAN Card Number 202147629975 GOURAV . 9992958222 BZRPG5947D Agency Code : POS51904 Agency Name : GOURAV . Agent's Contact No: 9992958222 Contact Person : 7771/4102/IPO/PUS/PROC Jan 16, 2024", "lab_mode": true}


original_filename: ICICI3005_A_325437983_00_B00.pdf
status: SUCCESS
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  {"company_code": "icici_lombard", "company_name": "ICICI Lombard", "fields": [{"field_name": "policy_number", "value": "3005/A/325437983/00/B00", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "customer_name", "value": "SATINDER", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "mobile_number", "value": "9812878250", "confidence": 0.96, "source_page": null, "source": "extracted"}, {"field_name": "email_address", "value": "ANSHKUMARRTK@GMAIL.COM", "confidence": 0.96, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "HR12AD5809", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "Suzuki / ACCESS", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "AF211213198", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "chassis_number", "value": "MB8DP11AAH8319481", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "policy_end_date", "value": "Jan 18, 2025", "confidence": 0.96, "source_page": null, "source": "extracted"}, {"field_name": "address", "value": "R/O VPO. SUNARIAN KALAN DISTT. ROHTAK HARYANA", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "policy_start_date", "value": "Jan 19, 2024", "confidence": 0.95, "source_page": null, "source": "extracted"}, {"field_name": "premium_amount", "value": "843.00", "confidence": 0.95, "source_page": null, "source": "extracted"}, {"field_name": "policy_type", "value": "Two Wheeler Vehicles Liability Policy", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "pincode", "value": "124001", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_model", "value": "Suzuki ACCESS", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "manufacturing_year", "value": "2017", "confidence": 0.95, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "icici_lombard", "name": "ICICI Lombard", "confidence": 0.98}, "checksum": "9af51593f30cbbd3d8483ad05de358c9db2ad0597e9a098d574459f831b969ab", "file_size": 442498, "raw_text": "1 1 Product Code: 3005/A UIN: IRDAN115RP0016V01200102 Reference No. W277273259 Date: Jan 16, 2024 SATINDER R/O VPO. SUNARIAN KALAN DISTT. ROHTAK HARYANA, ROHTAK HARYANA 124001 Mobile No: 9812878250 Sub: Risk Assumption Letter Dear SATINDER, We value your relationship with ICICI Lombard General Insurance Company Limited and thank you for choosing us as your preferred insurance provider. Please find enclosed Policy No. 3005/A/325437983/00/B00, The same has been issued based on below mentioned details, provided by you at the time of policy purchase. Insured & Vehicle Details Name of the Insured SATINDER Period of Insurance Jan 19, 2024 to Jan 18, 2025 Vehicle Make / Model Suzuki / ACCESS RTO City HARYANA-ROHTAK Vehicle Registration No. HR12AD5809 Vehicle Registration Date Mar 20, 2017 Engine No. AF211213198 Chassis No. MB8DP11AAH8319481 1 Thecommencementofcoverageofriskunderthepolicyissubjecttorealisationofpaymentofpremiuminfull.Incasethepremiumisnotrealiseddueto cheque dishonour or any other reason, the insurance cover shall be void ab-initio. 1 We have issued the policy basis your confirmation that you hold a valid PUC and/or Fitness certificate, as applicable. 1 Governmentof Indiahasmandatedelectronictollpaymentsusing FAS Tagtoreducevehiculartrafficattollplazas.Customersareadvisedtocomplywiththe directionofthegovernmentandgettheir FAS Tagfrom Pointof Salelocationsat Toll Plazasorfrom Issuer Agency.Pleasevisithttp://www.fastag.org/for details. \u201cUpdatingyourbankdetailswithuswouldhelpfacilitatingfuturetransactions.Bankdetailscanbeeasilyupdatedusing\u201cIL\u2013Takecare\u201dApp.Downloadtheapp now for all your insurance and wellness needs and for faster resolution\u201d Pleasecheckthepolicydetailsforaccuracy.Shouldyoufindanydiscrepancy/requireanychangesinthe Certificateof Insurancecum Policy Schedule,please contactusimmediatelyatourtollfreenumber18002666oremailusatcustomersupport@icicilombard.com,sothatwecanrectifythesame.Absenceofany communication within a period of 15 days of the date mentioned on this letter, would mean that the issued policy is in order and as per your proposal. Important Points: a. Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered. b.Anyminorscratchestothevehcile,paintfading,wearandteararisingoutofnormaluseandrequiringtouch-uporminorrepairunderroutinemaintenancewill not be covered. c.Anyliabilityofwhatsoevernaturecausedby,contributedbyorarisingduetothevehiclebeingdrivenbyapersonwithouthavingvaliddrivinglicensewillnotbe covered. ( Please visist www.icicilombard.com for the policy wordings, for complete details on terms and conditions governing the coverage and NCB) Theinformationprovidedismerelyillustrativeandshallnotbeconstruedtobeanevidenceofexistenceofacontractofinsurance.The Risk Assumption Letter is to be read in conjunction with the policy and shall be considered null and void without the same. The Compulsory Personal Accidentcoverhasnotbeenoptedinthispolicyonaccountthat,the Ownerdriverhasaseparateexisting Personal Accidentcover against Death and Permanent Disability (Total and Partial) for Sum Insured of at least Rs.15 lacs. 7771/4102/IPO/PUS/PROC Jan 16, 2024 CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE 1 Two Wheeler Vehicles Liability Policy 1 Product Code: 3005/A UIN: IRDAN115RP0016V01200102 Name of the Insured : SATINDER Policy No. : 3005/A/325437983/00/B00 Address : R/O VPO. SUNARIAN KALAN DISTT. ROHTAK HARYANA,, Period of Insurance : Jan 19, 2024 12:00 to ROHTAK, HARYANA 124001 Midnight of Jan 18, 2025 Telephone No : Mobile No: 9812878250 E-Policy No. : ESB-638410205583177687 Email Address : ANSHKUMARRTK@GMAIL.COM Policy Issued On : Jan 16, 2024 Nominee Name : - Named Passenger's Nominee: Covernote No. : 325437983 Relationship : - - RTO Location : HARYANA-ROHTAK Age : - Hypothecated To : - GSTIN No. (Customer) : Invoice No. : 1001241426235 Servicing Branch Name : Gurgaon Servicing Branch Address : Tower D, Twelth Global Business Park Mehrauli Gurgaon Road Gurgaon Haryana 122002 Politically Exposed Person (PEP)/close relative of PEP: No Vehicle Registration Make Model Type of Body CC/KW Mfg Yr Seating Chassis No. Engine No. No Capacity Solo With HR12AD5809 Suzuki ACCESS 125 2017 2 MB8DP11AAH8319481 AF211213198 Pillion Premium Details LIABILITY (`) Basic Third Party Liability 714.00 Total 714.00 Total Liability Premium 714.00 % 9.00 CGST ` 64.26 % 9.00 SGST ` 64.26 % 0.00 UTGST ` 0.00 % 0.00 IGST ` 0.00 Total Tax Payable in ` 129.00 Total Premium Payable In ` 843.00 Geographical Area: India Applicable IMT Clauses: Premium Collection No. 1199002587 Premium Amount (`) ` 843.00 Receipt Date Jan 16, 2024 GSTIN Reg.No 06AAACI7904G1ZR HSN/SAC code 997134 / GENERAL INSURANCE SERVICES 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. Limitsof Liability:(a)Under Section II-I(i) of the policy: Death of or bodily injury & (b) Under Section II-I(ii) of the policy: Damage to Third Party Property- Such amount as is necessary to meet the requirements of the Motor Vehicles (Amendment) Act, 2019` 1,00,000.00/-; PA Cover for Owner-Driverunder Section III:CSI` 0.00/-.The Compulsory Personal Accidentcoverhas notbeenoptedin thispolicy on account that, the Owner driver has a separate existing Personal Accident cover against Death and Permanent Disability(Totaland Partial)for Sum Insured of at least Rs.15 lacs. Limitations as to Use: The Policy covers use of the vehicle for any purpose other than: Hire or Reward,carriage ofgoods (otherthansamples orpersonalluggage),Organizedracing,Pace making, Speed testing, Reliability trials, any purpose in connection with Motortrade.Driver's Clause:Anyperson including the insured: Provided that a person driving holds an effective driving license at the time of the accident and is not disqualifiedfrom 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 satisfiestherequirementsof Rule 3 ofthe Central Motor Vehicles Rules, 1989. Important Notice: The insured is not indemnified if the vehicle is used or driven otherwise thanin accordance withthisschedule.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\". Inconsiderationofthe premium for this extension being calculated at a pro-rata proportion of the annual premium, it is hereby declared and agreed by the insured that upon expiry ofthisextension,thispolicy shall be renewed for a period of twelve months, failing which the difference between the extension premium now paid on pro rata basis and the premium at short period rate shall become payable by the insured. For Legal interpretation, English version will hold good. Disclaimer: Please visit www.icicilombard.com for thepolicy wordings,forcompletedetailsontermsand conditionsgoverning the coverage and NCB. This document is to be read with the policy wordings. The policy is valid subject to realization of cheque. We accept premium only via legally recognized modes. In case of dishonour of premium cheque, the company shall not be liable under the policy and the policy shall be void ab-initio. In case ofany discrepancy withrespect to the policy, please revert within 15 days from the policy start date. This policy is underwritten on the basis of the information provided by you andas detailedin the Risk Assumption Letter shared with you along with the policy. On renewal, the benefits provided under the policy and/or terms and conditions of thepolicy includingpremiumratemaybesubjecttochange.Grievance Redressal: For resolution of any query or grievance you may contact us on our toll free no. 1800 2666,orvisitany ofourbranch offices.Youcan also writetous atcustomersupport@icicilombard.com.Fordetailedgrievance redressal mechanism pleasevisit the \"Grievance Redressal\" section on our website www.icicilombard.com. The Company reserves the right to cancel this Policy immediately upon becoming aware of any mis-representation, fraud, non-disclosure of material facts or non-cooperation by or on behalf of the Insured; the Company is not obliged to refund the premium paid under this Policy I/Wehereby certifythatthe Policytowhich this Certificaterelates, as well as, this Certificate of Insurance are issued in accordance with the provisions of Chapter X and Chapter XIof M.V.Act,1988.In witness whereof, this Policy has been signed at Mumbai on this date of Jan 16, 2024 in lieu of Covernote No. 325437983. The stamp duty of ` 0.50 paid vide deface no. CSD1820234850 dated Nov 30, 2023. Policy Issuing Office:ICICI Lombard General Insurance Company Limited,ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025. Warrantedthattheinsurednamed herein/ownerofthevehicle holdsa valid Pollution Under Control (PUC) Certificate and/or valid fitness certificate, as applicable, on the dateofcommencementofthe Policyandundertakestorenewandmaintain 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. 7771/4102/IPO/PUS/PROC Jan 16, 2024 CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE 1 Two Wheeler Vehicles Liability Policy 1 Product Code: 3005/A UIN: IRDAN115RP0016V01200102 Point of Sale (POS) Details POS Number POS Name Contact Details PAN Card Number 202147629975 GOURAV . 9992958222 BZRPG5947D Agency Code : POS51904 Agency Name : GOURAV . Agent's Contact No: 9992958222 Contact Person : 7771/4102/IPO/PUS/PROC Jan 16, 2024", "lab_mode": true}


original_filename: united india 1112063123P109639292.pdf
status: SUCCESS
storage_path: uploads\b15783502eb145fabfe477b631ca1732_united india 1112063123P109639292.pdf
created_at: 2026-06-26 08:29:22
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  {"company_code": "hdfc_ergo", "company_name": "HDFC ERGO", "fields": [{"field_name": "policy_number", "value": "1112063123", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "Chassis", "confidence": 0.91, "source_page": null, "source": "extracted"}, {"field_name": "body_type", "value": "YEAR OF MFG", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "private_car", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "hdfc_ergo", "name": "HDFC ERGO", "confidence": 1.0}, "checksum": "332dd8c99502b904ff3eee95e21b390773905fe4301fdad1f96dd73742d05fcd", "file_size": 172171, "raw_text": "UNITED INDIA INSURANCE COMPANY LIMITED CERTIFICATE OF INSURANCE PCV 3 WHEELER NOT EXCEEDING 6 PSGRS PACKAGE(UIN. IRDAN545RP0048V01199900) POLICY (FORM 51 OF CENTRAL MOTOR VEHICLE RULES 1989) Policy No. 1112063123P109639292 Certificate Number 1112063123P109639292 Customer Id 23263841525 Issuing Office Address Code 111206 Name of the Insured MR SUNIL SCO 57-59 SO RAJ SINGH ADDRESS VPO BALAND DISTT ROHTAK SCHEME NO 6, NEAR BUS STAND JIND, JIND, HARYANA JIND Address of the Insured ROHTAK 126102 124001 HARYANA HARYANA Telephone (1681) 255113 Business/Occupation Others Mobile No.- 8398022939 Effective date of commencement of Insurance for the purpose of Act from 00:00 Insured's Declared Value 100000 Hrs on 08/11/2023 Date of Expiry of the Insurance Midnight on 07/11/2024 Particulars of Vehicle Insured Registration No. Obsolete Vehicle Trailer Vehicle Engine No Chassis No. Make/Model Type of Body Year of Mfg HP/Cubic Capacity Carrying Capacity (if any) PIAGGIO VEHICLES PVT. HR - 46 - E - 3287 No S6K8631065MBX0000ZFUK372471 RIKSHAW 2016 600 4 LTD. / APE AUTO DX PASSENGER Registration Authority Geographical Area Financier Public / Private HR46 ROHTAK INDIA Public Amount in words: Eight thousand one hundred fifteen rupees only Persons or classes of persons entitled to drive Driver's Clause: Persons or classes of persons entitled to drive:- Any person including Insured provided that the person driving holds an effective and valid driving licence to drive the category of vehicle insured hereunder, at the time of the accident and is not disqualified from holding or obtaining such a licence. Provided also that a person holding an effective and valid Learner's Licence to drive the category of the vehicle insured hereunder may also drive the vehicle when not used for transport of passengers at the time of accident and that the person satisfies the requirements of Rule 3 of Central Motor Vehicle Rule, 1989. Note:- The policy does not cover liability for death, bodily injury or damage as excluded insection 150 (2) (ii) and (iii)\u037e (b) and (c) of the Motor Vehicles Act, 1988. Limitations as to use Premium: 6,877.00 CGST(9%): 619.00 The policy covers use only under a permit within the meaning of Motor Vehicles Act, 1988 or such a carriage falling under Subsection 3 of Section 66 of the Motor Vehicles Act, 1988. SGST(9%): 619.00 The policy does not cover use for: Stamp Duty: 1.00 a) Organized Racing Total(Rounded Off): 8,115.00 b) Pace Making c) Reliability tools Receipt Number : 10111120623111012344 d) Speed Testing Receipt Date: 07/11/2023 e) Use whilst drawing a trailer except the towing (other than for reward) of any one disabled Debit Note Number: mechanically propelled vehicle Document Date: Limits of Liability Agency/Broker Code: AGN1050997 Under Section II-I (i) Death or bodily injury in respect of any one accident\u037e As per Motor AMIT LOHAN , Mobile: 9499393922 Vehicles Act 1988 Dealer Name/Code: Under Section II-I (ii) Damage to third party property in respect of any one claim or series of claims arising out of one event: 750000 /- Direct Business: Development Officer Code: Subject to IMT Endorsement No.s, terms and conditions printed herein / attached hereto 21,23,28,38 I/We hereby certify that the policy to which the certificate relates as well as the certificate of insurance are issued in accordance with provisions of Chapter X & XI of M.V Act, 1988. Date of Issue: 07/11/2023 Amount Subject to Reverse Charges-NIL We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 For and On behalf of onwards is more than the aggregate turnover notified under sub-rule (4) of rule 48, we are not required to United India Insurance Co. Ltd. prepare an invoice in terms of the provisions of the said sub-rule. IMPORTANT NOTICE: KINDLY UPDATE YOUR AADHAAR NO. AND PAN/FORM 60. PLEASE IGNORE IF ALREADY UPDATED. The genuineness of the policy can be verified through \"Verify Your Policy\" link at www.uiic.co.in. Duly Constituted Attorney 1 / 2\n\nMOTOR INSURANCE - PCV 3 WHEELER NOT EXCEEDING 6 PSGRS PACKAGE(UIN. IRDAN545RP0048V01199900) POLICY SCHEDULE Policy Number :1112063123P109639292 Previous Policy Number :OK RECOMMMENDED Geographical Area :India(A) Insurance Start Date & Time :08/11/2023 00:00 (hours) Insured Name/ID : MR SUNIL/23263841525 Insurance expiry Date & Time :07/11/2024 midnight Insured address : Policy Issuing Office Address : SO RAJ SINGH ADDRESS VPO BALAND DISTT ROHTAK SCO 57-59 SCHEME NO 6, NEAR BUS STAND JIND, JIND, HARYANA ,GST No.:- 06AAACU5552C1ZN City: ROHTAK District: ROHTAK City: JIND District: JIND State: HARYANA Pincode: 124001 State: HARYANA Pincode: 126102 Telephone: Mobile: 8398022939 Telephone:(1681) 255113 Business Channel Code:AGN1050997 Business Channel Sub Code: Dealer Name: Agent Name: AMIT LOHAN Dealer Code: Land Line No.: ,Mobile:9499393922 VEHICLE DETAILS Registration Number HR - 46 - E - 3287 Obsolete Vehicle & No & S6K8631065 Year Of 2016 Engine Number Manufacture RTA Name HR46 ROHTAK Chassis Number MBX0000ZFUK372471 Cubic Capacity 600 PIAGGIO VEHICLES PVT. LTD. & Registration Date 02/05/2017 Vehicle Make & Model Type Of Body RIKSHAW APE AUTO DX PASSENGER Carrying Capacity 4 GVW 780 Geographical Extension INSURED DECLARED VALUE ( ) Co- Vehicle Trailer Electrical/Electronic Accessories Non Electrical Accessories CNG Kit LPG Kit Total Insurance Details 100000 0 0 0 0 0 100000 100% OTHER DETAILS Unique Financier Policy Subject to IMT Endorsements Applicable Addon-covers/Services Reference Code 21,23,28,38 PERSONS OR CLASS OF PERSONS ENTITLED TO DRIVE:As narrated in the certificate of insurance attached herewith. LIMITATIONS AS TO USE:As narrated in the certificate of insurance attached herewith. LIMITS OF LIABILITY:As narrated in the certificate of insurance attached herewith. EXCLUSIONS:(1)Any accidental Loss Or Damage and/or liabilty caused sustained or incurred outside the geographical area.(2)Any claim arising out of any contractual liability.(3)Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.(4)Any liability of whatsoever nature directly or indirectly caused by or contributed to or by arising out of ionizing radiations or contamination by radioactivity from any nuclear fuel.For the purpose of this exception,combustion shall include any self sustaining process of nuclear fission.(5)Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.(6)Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or war like operations (whether before or after declaration of war), civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequences of any of the said occurrences or any consequences thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim. PA Cover CSI ( ) DEDUCTIBLES (Under Section I) ( ) Owner Driver 1500000 Compulsory 500 Imposed 0 Voluntary 0 (Under Section IV) SCHEDULE OF PREMIUM ( ) A-OWN DAMAGE PREMIUM B-LIABILITY PREMIUM TOTAL PREMIUM Premium(A+B) 6,877.00 Basic premium on Vehicle and Accessories B. Basic - TP 2,539.00 CGST(9%) 619.00 A. Basic - OD 323.00 Total 2,539.00 SGST(9%) 619.00 Total 323.00 TOTAL PAYABLE PREMIUM 8,115.00 Add : Stamp Duty 1.00 Compulsory PA for Owner Driver 275.00 SAC Code 997134 Add : 3123I109639292 & Cover for lamps, tyres, tubes etc 48.45 LL to Paid Driver IMT 28 50.00 Invoice No & Date 07/11/2023 Legal Liability to Passenger 3,642.00 Receipt Number 10111120623111012344 Receipt Date 07/11/2023 Sub Total (Additions) 48.45 Receipt Amount 8,115.00 Sub Total (Additions) 3,967.00 Payment Mode Paying Party MR SUNIL Gross OD(A) 371.00 Gross TP(B) 6,506.00 Gross OD & TP: 6,877.00 (A) + (B) TERMS & CONDITIONS:As per the Indian Motor Tariff,personal copy of the same is available free of cost on request.Further the Indian Motor Tariff is also available and displayed at all United India Insurance company Offices and on Website www.uiic.co.in DISCLAIMER:The policy stands Cancelled or void in the event of Cheque Dishonored.The company may cancel the policy by sending 7 days notice in case of fraud,misrepresentation,nondisclosure of material fact or non co- operation of the insured. 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 fom the Insured. See the clause headed \"AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY\".For Legal interpretation, English Version will hold good.In case of accident the insured must inform United India Insurance Co. Immediately to arrange spot survey. Anti Money Laundering Clause:-In the event of a claim under the policy exceeding 1 lakh or a claim for refund of premium exceeding 1 lakh, the insured will comply with the provisions of AML policy of the company. The AML policy is available in all our operating offices as well as Company's web site. LET US JOIN THE FIGHT AGAINST CORRUPTION. PLEASE TAKE THE PLEDGE AT https://pledge.cvc.nic.in. Date & Signature of Proposal : 08/11/2023 In Witness Whereof this policy has been signed at BO JIND 111206 on this 07th day of November ,2023 For United India Insurance Company Limited Affix Policy Stamp Duly Constituted Attorneys IP Address: 10.95.40.80 Issuing Agent: AMIT LOHAN Printed By : CUSTOMER @ 07/11/2023 5:08:44 PM Agent User Name: AMILOH91 Agent Location: 111206 Underwritten By - AMILOH91 ( DIRECT AGENT ) This is a system generated document and any manual alteration / correction / overwriting in the document will make it invalid. 2 / 2", "raw_text_pages": [{"page": 1, "text": "UNITED INDIA INSURANCE COMPANY LIMITED CERTIFICATE OF INSURANCE PCV 3 WHEELER NOT EXCEEDING 6 PSGRS PACKAGE(UIN. IRDAN545RP0048V01199900) POLICY (FORM 51 OF CENTRAL MOTOR VEHICLE RULES 1989) Policy No. 1112063123P109639292 Certificate Number 1112063123P109639292 Customer Id 23263841525 Issuing Office Address Code 111206 Name of the Insured MR SUNIL SCO 57-59 SO RAJ SINGH ADDRESS VPO BALAND DISTT ROHTAK SCHEME NO 6, NEAR BUS STAND JIND, JIND, HARYANA JIND Address of the Insured ROHTAK 126102 124001 HARYANA HARYANA Telephone (1681) 255113 Business/Occupation Others Mobile No.- 8398022939 Effective date of commencement of Insurance for the purpose of Act from 00:00 Insured's Declared Value 100000 Hrs on 08/11/2023 Date of Expiry of the Insurance Midnight on 07/11/2024 Particulars of Vehicle Insured Registration No. Obsolete Vehicle Trailer Vehicle Engine No Chassis No. Make/Model Type of Body Year of Mfg HP/Cubic Capacity Carrying Capacity (if any) PIAGGIO VEHICLES PVT. HR - 46 - E - 3287 No S6K8631065MBX0000ZFUK372471 RIKSHAW 2016 600 4 LTD. / APE AUTO DX PASSENGER Registration Authority Geographical Area Financier Public / Private HR46 ROHTAK INDIA Public Amount in words: Eight thousand one hundred fifteen rupees only Persons or classes of persons entitled to drive Driver's Clause: Persons or classes of persons entitled to drive:- Any person including Insured provided that the person driving holds an effective and valid driving licence to drive the category of vehicle insured hereunder, at the time of the accident and is not disqualified from holding or obtaining such a licence. Provided also that a person holding an effective and valid Learner's Licence to drive the category of the vehicle insured hereunder may also drive the vehicle when not used for transport of passengers at the time of accident and that the person satisfies the requirements of Rule 3 of Central Motor Vehicle Rule, 1989. Note:- The policy does not cover liability for death, bodily injury or damage as excluded insection 150 (2) (ii) and (iii)\u037e (b) and (c) of the Motor Vehicles Act, 1988. Limitations as to use Premium: 6,877.00 CGST(9%): 619.00 The policy covers use only under a permit within the meaning of Motor Vehicles Act, 1988 or such a carriage falling under Subsection 3 of Section 66 of the Motor Vehicles Act, 1988. SGST(9%): 619.00 The policy does not cover use for: Stamp Duty: 1.00 a) Organized Racing Total(Rounded Off): 8,115.00 b) Pace Making c) Reliability tools Receipt Number : 10111120623111012344 d) Speed Testing Receipt Date: 07/11/2023 e) Use whilst drawing a trailer except the towing (other than for reward) of any one disabled Debit Note Number: mechanically propelled vehicle Document Date: Limits of Liability Agency/Broker Code: AGN1050997 Under Section II-I (i) Death or bodily injury in respect of any one accident\u037e As per Motor AMIT LOHAN , Mobile: 9499393922 Vehicles Act 1988 Dealer Name/Code: Under Section II-I (ii) Damage to third party property in respect of any one claim or series of claims arising out of one event: 750000 /- Direct Business: Development Officer Code: Subject to IMT Endorsement No.s, terms and conditions printed herein / attached hereto 21,23,28,38 I/We hereby certify that the policy to which the certificate relates as well as the certificate of insurance are issued in accordance with provisions of Chapter X & XI of M.V Act, 1988. Date of Issue: 07/11/2023 Amount Subject to Reverse Charges-NIL We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 For and On behalf of onwards is more than the aggregate turnover notified under sub-rule (4) of rule 48, we are not required to United India Insurance Co. Ltd. prepare an invoice in terms of the provisions of the said sub-rule. IMPORTANT NOTICE: KINDLY UPDATE YOUR AADHAAR NO. AND PAN/FORM 60. PLEASE IGNORE IF ALREADY UPDATED. The genuineness of the policy can be verified through \"Verify Your Policy\" link at www.uiic.co.in. Duly Constituted Attorney 1 / 2"}, {"page": 2, "text": "MOTOR INSURANCE - PCV 3 WHEELER NOT EXCEEDING 6 PSGRS PACKAGE(UIN. IRDAN545RP0048V01199900) POLICY SCHEDULE Policy Number :1112063123P109639292 Previous Policy Number :OK RECOMMMENDED Geographical Area :India(A) Insurance Start Date & Time :08/11/2023 00:00 (hours) Insured Name/ID : MR SUNIL/23263841525 Insurance expiry Date & Time :07/11/2024 midnight Insured address : Policy Issuing Office Address : SO RAJ SINGH ADDRESS VPO BALAND DISTT ROHTAK SCO 57-59 SCHEME NO 6, NEAR BUS STAND JIND, JIND, HARYANA ,GST No.:- 06AAACU5552C1ZN City: ROHTAK District: ROHTAK City: JIND District: JIND State: HARYANA Pincode: 124001 State: HARYANA Pincode: 126102 Telephone: Mobile: 8398022939 Telephone:(1681) 255113 Business Channel Code:AGN1050997 Business Channel Sub Code: Dealer Name: Agent Name: AMIT LOHAN Dealer Code: Land Line No.: ,Mobile:9499393922 VEHICLE DETAILS Registration Number HR - 46 - E - 3287 Obsolete Vehicle & No & S6K8631065 Year Of 2016 Engine Number Manufacture RTA Name HR46 ROHTAK Chassis Number MBX0000ZFUK372471 Cubic Capacity 600 PIAGGIO VEHICLES PVT. LTD. & Registration Date 02/05/2017 Vehicle Make & Model Type Of Body RIKSHAW APE AUTO DX PASSENGER Carrying Capacity 4 GVW 780 Geographical Extension INSURED DECLARED VALUE ( ) Co- Vehicle Trailer Electrical/Electronic Accessories Non Electrical Accessories CNG Kit LPG Kit Total Insurance Details 100000 0 0 0 0 0 100000 100% OTHER DETAILS Unique Financier Policy Subject to IMT Endorsements Applicable Addon-covers/Services Reference Code 21,23,28,38 PERSONS OR CLASS OF PERSONS ENTITLED TO DRIVE:As narrated in the certificate of insurance attached herewith. LIMITATIONS AS TO USE:As narrated in the certificate of insurance attached herewith. LIMITS OF LIABILITY:As narrated in the certificate of insurance attached herewith. EXCLUSIONS:(1)Any accidental Loss Or Damage and/or liabilty caused sustained or incurred outside the geographical area.(2)Any claim arising out of any contractual liability.(3)Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.(4)Any liability of whatsoever nature directly or indirectly caused by or contributed to or by arising out of ionizing radiations or contamination by radioactivity from any nuclear fuel.For the purpose of this exception,combustion shall include any self sustaining process of nuclear fission.(5)Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.(6)Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or war like operations (whether before or after declaration of war), civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequences of any of the said occurrences or any consequences thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim. PA Cover CSI ( ) DEDUCTIBLES (Under Section I) ( ) Owner Driver 1500000 Compulsory 500 Imposed 0 Voluntary 0 (Under Section IV) SCHEDULE OF PREMIUM ( ) A-OWN DAMAGE PREMIUM B-LIABILITY PREMIUM TOTAL PREMIUM Premium(A+B) 6,877.00 Basic premium on Vehicle and Accessories B. Basic - TP 2,539.00 CGST(9%) 619.00 A. Basic - OD 323.00 Total 2,539.00 SGST(9%) 619.00 Total 323.00 TOTAL PAYABLE PREMIUM 8,115.00 Add : Stamp Duty 1.00 Compulsory PA for Owner Driver 275.00 SAC Code 997134 Add : 3123I109639292 & Cover for lamps, tyres, tubes etc 48.45 LL to Paid Driver IMT 28 50.00 Invoice No & Date 07/11/2023 Legal Liability to Passenger 3,642.00 Receipt Number 10111120623111012344 Receipt Date 07/11/2023 Sub Total (Additions) 48.45 Receipt Amount 8,115.00 Sub Total (Additions) 3,967.00 Payment Mode Paying Party MR SUNIL Gross OD(A) 371.00 Gross TP(B) 6,506.00 Gross OD & TP: 6,877.00 (A) + (B) TERMS & CONDITIONS:As per the Indian Motor Tariff,personal copy of the same is available free of cost on request.Further the Indian Motor Tariff is also available and displayed at all United India Insurance company Offices and on Website www.uiic.co.in DISCLAIMER:The policy stands Cancelled or void in the event of Cheque Dishonored.The company may cancel the policy by sending 7 days notice in case of fraud,misrepresentation,nondisclosure of material fact or non co- operation of the insured. 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 fom the Insured. See the clause headed \"AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY\".For Legal interpretation, English Version will hold good.In case of accident the insured must inform United India Insurance Co. Immediately to arrange spot survey. Anti Money Laundering Clause:-In the event of a claim under the policy exceeding 1 lakh or a claim for refund of premium exceeding 1 lakh, the insured will comply with the provisions of AML policy of the company. The AML policy is available in all our operating offices as well as Company's web site. LET US JOIN THE FIGHT AGAINST CORRUPTION. PLEASE TAKE THE PLEDGE AT https://pledge.cvc.nic.in. Date & Signature of Proposal : 08/11/2023 In Witness Whereof this policy has been signed at BO JIND 111206 on this 07th day of November ,2023 For United India Insurance Company Limited Affix Policy Stamp Duly Constituted Attorneys IP Address: 10.95.40.80 Issuing Agent: AMIT LOHAN Printed By : CUSTOMER @ 07/11/2023 5:08:44 PM Agent User Name: AMILOH91 Agent Location: 111206 Underwritten By - AMILOH91 ( DIRECT AGENT ) This is a system generated document and any manual alteration / correction / overwriting in the document will make it invalid. 2 / 2"}], "page_count": 2, "lab_mode": false}


original_filename: IFFCO TOKIO PCP_MX915280.pdf
status: SUCCESS
storage_path: uploads\f114a0891d8b4a1194c0cce39f7b384b_IFFCO TOKIO PCP_MX915280.pdf
created_at: 2026-06-26 08:55:02
updated_at: 2026-06-26 08:55:02
raw_data:
  {"company_code": "iffco_tokio", "company_name": "IFFCO Tokio", "fields": [{"field_name": "policy_number", "value": "1-350UB24J", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "customer_name", "value": "VILLAGE KAKRANA DISTT", "confidence": 0.82, "source_page": null, "source": "extracted"}, {"field_name": "policy_end_date", "value": "04/01/2025", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "policy_start_date", "value": "05/01/2024", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "HR12AF6971", "confidence": 0.75, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "Package", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "Seating", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "premium_amount", "value": "11820.77", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "mobile_number", "value": "9817831766", "confidence": 0.8, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "private_car", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "iffco_tokio", "name": "IFFCO Tokio", "confidence": 0.98}, "checksum": "7cef91c85107bd58cd5c17f29c6c5909982a055d134fbb7dc1237c2a4da4e9b6", "file_size": 185291, "raw_text": "Servicing Office AHEEEHAPBAPHMHDFECLBGAPHIAPNHPAHEEEHA Service Office :IFFCO TOKIO GEN INSU CO LTD PLOT NO 2 B&C, 4th B AN IF JF FF GN CB FP DF CK NA EC PA DC OJ GK FM IO ME JH EI MH DM JK AJ LC BB GO AB MP GB MN IF AF JF AN CB E FLOOR AMMOAFFDCGCLDINFLPJIOPEDCPNBDMEGJAMNE IFFCO COMPLEX SECTOR 28-A, MADHYA MARG J OG BM OC AN GG DF FL AB AF LH CC PG IC EP AO NM HH DG KM HO HL PP KM JK HE NI IB IH FK GH HL EM CK EH KP OE M CHANDIGARH HARYANA PKCDKMFCKFBLHCPFOBKCHJBDLPEBBKFPIIMFE IFFCO-TOKIO GENERAL INSURANCE CO.LTD INDIA160002 MFFNFNEPAGLFEMHENJJFLNDNFAPKAHFHAHDGJ Regd. Office: IFFCO Sadan C1 Distt. Centre, Saket, New Delhi - 110017 General Insurance Services: 997134 A HP HB HB HB HP HA HP PD HB HK HL PM PJ PG PG PH PM PH PO PJ HD PI HI HC PL PM PD PB HB HC HH HE PK HM PO PA H PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX INVOICE GSTIN : 04AAACI7573H1ZK Corporate Identification Number (CIN) U74899DL2000PLC107621, Phone #: 0172 5046350 IRDA Reg. No. 106 UIN: IRDAN106P0005V01200001 Agent Name: ., ARUN DADHWAL Agent #: 3L000003 Agent Mobile #: 9817831766 KRISHAN KUMAR Policy #: 1-350UB24J P400 Policy # MX915280 : Unique Invoice No: 1-350UB24J Status Check: Inforce Address: VILLAGE KAKRANA DISTT ROHTAK ROHTAK Invoice/Issuance Date:03/01/2024 13:45:24 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 05/01/2024 00:00:00 INDIA To: Midnight On 04/01/2025 23:59:59 Phone #: XXXXXXX981 CKYC #: XXXXXXX2561 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - G4LAHM705606 per RC HR12AF6971 2017 Make of Vehicle 1197 Package 320000.00 Non Electrical Accessories are not Chassis No. 5 GRAND I10 SPORTZ 1.2 covered as its value is 0 MALA851CLHM765193 Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 320000.00 0.00 0.00 20000.00 340000.00 11820.77 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 5361.60 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 60.00 Bi Fuel Kit (IMT 25) 800.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 0.0 %) Net (A) 6161.60 Net (B) 3856.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 10017.60 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 11820.77 CGST SGST UTGST IGST KERALA CESS Percentage 18.00 Amount 0.00 0.00 0.00 1803.17 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 25,28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 27-01-2024 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161\n\nInspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-9906-1801-00106344 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD HISAR HARYANA 1 04/01/2024 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG YAX62192256000 03/01/2024 Amount Received 11821.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofindemnityunderthis Policyand b)Undertakethedefenceofproceedingsinany Courtof Lawinrespectofanyactorallegedoffencecausingorrelatingtoanyeventwhichmaybethesubjectofindemnityunderthispolicy. AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY Nothinginthis Policyoranyendorsementhereonshallaffecttherightofanypersonindemnifiedbythis Policyo\n\nb)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsureds", "raw_text_pages": [{"page": 1, "text": "Servicing Office AHEEEHAPBAPHMHDFECLBGAPHIAPNHPAHEEEHA Service Office :IFFCO TOKIO GEN INSU CO LTD PLOT NO 2 B&C, 4th B AN IF JF FF GN CB FP DF CK NA EC PA DC OJ GK FM IO ME JH EI MH DM JK AJ LC BB GO AB MP GB MN IF AF JF AN CB E FLOOR AMMOAFFDCGCLDINFLPJIOPEDCPNBDMEGJAMNE IFFCO COMPLEX SECTOR 28-A, MADHYA MARG J OG BM OC AN GG DF FL AB AF LH CC PG IC EP AO NM HH DG KM HO HL PP KM JK HE NI IB IH FK GH HL EM CK EH KP OE M CHANDIGARH HARYANA PKCDKMFCKFBLHCPFOBKCHJBDLPEBBKFPIIMFE IFFCO-TOKIO GENERAL INSURANCE CO.LTD INDIA160002 MFFNFNEPAGLFEMHENJJFLNDNFAPKAHFHAHDGJ Regd. Office: IFFCO Sadan C1 Distt. Centre, Saket, New Delhi - 110017 General Insurance Services: 997134 A HP HB HB HB HP HA HP PD HB HK HL PM PJ PG PG PH PM PH PO PJ HD PI HI HC PL PM PD PB HB HC HH HE PK HM PO PA H PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX INVOICE GSTIN : 04AAACI7573H1ZK Corporate Identification Number (CIN) U74899DL2000PLC107621, Phone #: 0172 5046350 IRDA Reg. No. 106 UIN: IRDAN106P0005V01200001 Agent Name: ., ARUN DADHWAL Agent #: 3L000003 Agent Mobile #: 9817831766 KRISHAN KUMAR Policy #: 1-350UB24J P400 Policy # MX915280 : Unique Invoice No: 1-350UB24J Status Check: Inforce Address: VILLAGE KAKRANA DISTT ROHTAK ROHTAK Invoice/Issuance Date:03/01/2024 13:45:24 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 05/01/2024 00:00:00 INDIA To: Midnight On 04/01/2025 23:59:59 Phone #: XXXXXXX981 CKYC #: XXXXXXX2561 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - G4LAHM705606 per RC HR12AF6971 2017 Make of Vehicle 1197 Package 320000.00 Non Electrical Accessories are not Chassis No. 5 GRAND I10 SPORTZ 1.2 covered as its value is 0 MALA851CLHM765193 Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 320000.00 0.00 0.00 20000.00 340000.00 11820.77 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 5361.60 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 60.00 Bi Fuel Kit (IMT 25) 800.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 0.0 %) Net (A) 6161.60 Net (B) 3856.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 10017.60 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 11820.77 CGST SGST UTGST IGST KERALA CESS Percentage 18.00 Amount 0.00 0.00 0.00 1803.17 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 25,28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 27-01-2024 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161"}, {"page": 2, "text": "Inspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-9906-1801-00106344 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD HISAR HARYANA 1 04/01/2024 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG YAX62192256000 03/01/2024 Amount Received 11821.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofindemnityunderthis Policyand b)Undertakethedefenceofproceedingsinany Courtof Lawinrespectofanyactorallegedoffencecausingorrelatingtoanyeventwhichmaybethesubjectofindemnityunderthispolicy. AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY Nothinginthis Policyoranyendorsementhereonshallaffecttherightofanypersonindemnifiedbythis Policyo"}, {"page": 3, "text": "b)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsuredshallbeentitledtoareturnofpremiumlesspremiumatthe Company's Short Periodratesfortheperiodthe Policyhasbeeninforce.Returnofthepremiumbythecompanywillbesubjecttoretentionoftheminimumpremiumof Rs.100/-(or Rs.25/-inrespectofvehiclesspecificallydesigned/modifiedforusebyblind/handicapped/mentally challengedpersons).Wheretheownershipofthevehicleistransferred,thepolicycannotbecancelledunlessevidencethatthevehicleisinsuredelsewhereisproduced. 6.Ifatthetimeofoccurrenceofaneventthatgivesrisetoanyclaimunderthispolicythereisinexistenceanyotherinsurancecoveringthesameliabilitythe Companyshallnotbeliabletopayorcontributemorethanitsrateableproportionofanycompensation,costor expense. 7.Ifanydisputeordifferenceshallariseastothequantumtobepaidunderthispolicy[liabilitybeingotherwiseadmitted),suchdifferenceshallindependentofallotherquestionsbereferredtothedecisionofasolearbitratortobeappointedinwritingbythepartiesto thedisputeoriftheycannotagreeuponasinglearbitratorwithin30daysofanypartyinvoking Arbitration,thesomeshallbereferredtoapanelofthreearbitratorscomprisingtwoarbitratorsonetobeappointedbyeachofthepartiestothedispute/difference,anda thirdarbitratortobeappointedbysuchtwoarbitratorswhoshallactasthepresidingarbitratorand Arbitrationsshallbeconductedunderandinaccordancewiththeprovisionsofthe Arbitrationand Conciliation Act,1996.Itisclearlyagreedandunderstoodthatno differenceordisputeshallbereferableto Arbitrationashereinbeforeprovided,ifthe Companyhasdisputedornotacceptedliabilityunderorinrespectofthispolicy.Itisherebyexpresslystipulatedanddeclaredthatitshallbeconditionprecedenttoanyrightofaction orsuituponthispolicythattheawardbysucharbitrator/arbitratorsoftheamountofthelossordamageshallbefirstobtained.Itisalsoherebyfurtherexpresslyagreedanddeclaredthatifthe Companyshalldisclaimliabilitytotheinsuredforanyclaimhereunderand suchclaimshallnot,withintwelvecalendarmonthsfromthedateofsuchdisclaimerhavebeenmadethesubjectmatterofasuitinacourtoflaw,thentheclaimshallforallpurposesbedeemedtohavebeenabandonedandshallnotthereafterberecoverablehereunder. 8.Thedueobservanceandfulfilmentoftheterms,conditionsandendorsementsofthis Policyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredandthetruthofthestatementsandanswersinthesaidproposalshallbeconditionsprecedentto anyliabilityofthe Companytomakeanypaymentunderthis Policy 9.Intheeventofthedeathofthesoleinsured,thispolicywillnotimmediatelylapsebutwillremainvalidforaperiodofthreemonthsfromthedateofthedeathofinsuredoruntiltheexpiryofthispoli"}], "page_count": 3, "text_source": "native", "ocr_engine": null, "is_scanned": false, 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original_filename: IFFCO TOKIO PCP_MX410266.pdf
status: PARTIAL
storage_path: uploads\1\802d3050f4a74c489c33d059fbdeed02_IFFCO TOKIO PCP_MX410266.pdf
created_at: 2026-06-26 09:00:06
updated_at: 2026-06-26 09:00:06
raw_data:
  {"company_code": "iffco_tokio", "company_name": "IFFCO Tokio", "fields": [{"field_name": "policy_number", "value": "1-3362U49J", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "policy_end_date", "value": "29/11/2024", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "policy_start_date", "value": "30/11/2023", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "IN-0S0", "confidence": 0.75, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "Package", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "Seating", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "premium_amount", "value": "6880.24", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "mobile_number", "value": "8398022939", "confidence": 0.8, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "private_car", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "iffco_tokio", "name": "IFFCO Tokio", "confidence": 0.98}, "checksum": "ecd2f8377b4bd2ed135368bcbeff597a8edffa6cda6c1206d23c064e30862779", "file_size": 185871, "raw_text": "Servicing Office AHEEEHAPCDOBOLCHPONNPDGBEMGOOPAHEEEHA BNFFFNBPMPFHNHICMLJCILJPEHBGBPBNFFFNB Service Office :IFFCO TOKIO GEN INS CO LTD 3rd Floor, Raj Complex DNHAKDFHJLALEHOLMNCFINJABACOIPHJMHMDH Opposite Liberty Mall Delhi Road ABFNPKFPLCJHFBFGCDPEHOOPEDECKACKADFBC MJKHPJFKPNNABFJGOALLMDNLHDKJFNKMOCFIJ ROHTAK Haryana G J EB K FC K NO C FE D FB M NF F EJ P PE K AD G OH A IO E KD N JH G PE O HD G MD H PC N OB M EG O CD O JD K BM I CI P KM N IM D HM N NG C CB I AH G HM D FF D HG B AK L PO F BP J BH C E Regd. Office IF : F IFC FO C- OTO SK a I d O a n G CE 1N E DR is A tt.L C IN en S t U re R , A SN ak C e E t, C NO ew.L DTD elhi - 110017 I GN e D n I e A r1 a2 l 4 In0 s0 u1 r ance Services: 997134 APBBBPAPJPCMBIGIDNMPNNMJJKINFABGAEIPL POS - PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX GSTIN : 06AAACI7573H1ZG HHHHHHHPHHPHPHHPHHPHPPPPPHHPPPHPHHHHH INVOICE Phone #: NA NA Corporate Identification Number (CIN) U74899DL2000PLC107621, IRDA Reg. No. 106 Agent Name: MANCHANDA, LEENA UIN: IRDAN106P0005V01200001 Agent #: 6G000117 Agent Mobile #: 8398022939 JITENDER . Policy #: 1-3362U49J P400 Policy # MX410266 : Unique Invoice No: 1-3362U49J Status Check: Inforce Address: H.NO 1337/1 NEAR ARYAN SCHOOL SURYA NAGAR Invoice/Issuance Date:28/11/2023 16:01:15 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 30/11/2023 00:00:00 INDIA To: Midnight On 29/11/2024 23:59:59 Phone #: XXXXXXX413 CKYC #: XXXXXXX8012 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - D3FAFM390112 per RC HR51BJ0426 2015 Make of Vehicle 1197 Package 230000.00 Non Electrical Accessories are not Chassis No. 5 HYUNDAI XCENT 1.2 CRDI E PLUS covered as its value is 0 MALA841DLFM131917*H Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 230000.00 0.00 0.00 0.00 230000.00 6880.24 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 3699.50 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 0.00 Bi Fuel Kit (IMT 25) 0.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 45% ) -1664.78 Net (A) 2034.72 Net (B) 3796.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 5830.72 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 6880.24 CGST SGST UTGST IGST KERALA CESS Percentage 9.00 9.00 Amount 524.76 524.76 0.00 0.00 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Notwithstanding anything to the contrary contained in the policy, it is hereby agreed, understood and warranted that the No Claim Bonus (NCB) allowed under this policy is subject to the fact that the Own Damage claim experience for your insured vehicle or your earlier vehicle (in case of transfer of No Claim Bonus (NCB) from the earlier vehicle) in the Previous year policy (s) was Nil. Accordingly you give the consent and accept that the No Claim Bonus (NCB) allowed under this current policy for insured vehicle is based on the above Nil claim history. However if we find that the basis of availing the \"No Claim Bonus\" (NCB) under the Current policy is incorrect; then we will impose suitable damages at the time of claim under Own Damage section of the policy, which may at our discretion include forfeiture of all benefits under the Own Damage section of the policy. In case you find that the No Claim Bonus (NCB) under the present policy is not correct, then you may please deposit the amount for No Claim Bonus (NCB) to us within 10 (Ten) days from the date of the issuance of the policy for the continuation of benefits under the Own Damage section of the policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161\n\nUnder Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 19-12-2023 Inspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-2495-1801-00008044 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD ROHTAK HARYANA 124001 29/11/2023 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG 174347412 28/11/2023 Amount Received 6880.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofi\n\n(ii)Lossoftwolimbsorsightoftwoeyesoronelimbandsightofoneeye 100% (iii)Lossofonelimborsightofoneeye 50% (iv)Permanenttotaldisablementfrominjuriesotherthannamedabove. 100% Providedalwaysthat a)compensationshallbepayableunderonlyoneoftheitems(i)to(iv)aboveinrespectoftheowner-driverarisingoutofanyoneoccurrenceandthetotalliabilityoftheinsurershallnotintheaggregateexceedthesumof Rs.1500000duringanyoneperiodof insurance. b)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Com", "raw_text_pages": [{"page": 1, "text": "Servicing Office AHEEEHAPCDOBOLCHPONNPDGBEMGOOPAHEEEHA BNFFFNBPMPFHNHICMLJCILJPEHBGBPBNFFFNB Service Office :IFFCO TOKIO GEN INS CO LTD 3rd Floor, Raj Complex DNHAKDFHJLALEHOLMNCFINJABACOIPHJMHMDH Opposite Liberty Mall Delhi Road ABFNPKFPLCJHFBFGCDPEHOOPEDECKACKADFBC MJKHPJFKPNNABFJGOALLMDNLHDKJFNKMOCFIJ ROHTAK Haryana G J EB K FC K NO C FE D FB M NF F EJ P PE K AD G OH A IO E KD N JH G PE O HD G MD H PC N OB M EG O CD O JD K BM I CI P KM N IM D HM N NG C CB I AH G HM D FF D HG B AK L PO F BP J BH C E Regd. Office IF : F IFC FO C- OTO SK a I d O a n G CE 1N E DR is A tt.L C IN en S t U re R , A SN ak C e E t, C NO ew.L DTD elhi - 110017 I GN e D n I e A r1 a2 l 4 In0 s0 u1 r ance Services: 997134 APBBBPAPJPCMBIGIDNMPNNMJJKINFABGAEIPL POS - PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX GSTIN : 06AAACI7573H1ZG HHHHHHHPHHPHPHHPHHPHPPPPPHHPPPHPHHHHH INVOICE Phone #: NA NA Corporate Identification Number (CIN) U74899DL2000PLC107621, IRDA Reg. No. 106 Agent Name: MANCHANDA, LEENA UIN: IRDAN106P0005V01200001 Agent #: 6G000117 Agent Mobile #: 8398022939 JITENDER . Policy #: 1-3362U49J P400 Policy # MX410266 : Unique Invoice No: 1-3362U49J Status Check: Inforce Address: H.NO 1337/1 NEAR ARYAN SCHOOL SURYA NAGAR Invoice/Issuance Date:28/11/2023 16:01:15 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 30/11/2023 00:00:00 INDIA To: Midnight On 29/11/2024 23:59:59 Phone #: XXXXXXX413 CKYC #: XXXXXXX8012 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - D3FAFM390112 per RC HR51BJ0426 2015 Make of Vehicle 1197 Package 230000.00 Non Electrical Accessories are not Chassis No. 5 HYUNDAI XCENT 1.2 CRDI E PLUS covered as its value is 0 MALA841DLFM131917*H Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 230000.00 0.00 0.00 0.00 230000.00 6880.24 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 3699.50 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 0.00 Bi Fuel Kit (IMT 25) 0.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 45% ) -1664.78 Net (A) 2034.72 Net (B) 3796.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 5830.72 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 6880.24 CGST SGST UTGST IGST KERALA CESS Percentage 9.00 9.00 Amount 524.76 524.76 0.00 0.00 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Notwithstanding anything to the contrary contained in the policy, it is hereby agreed, understood and warranted that the No Claim Bonus (NCB) allowed under this policy is subject to the fact that the Own Damage claim experience for your insured vehicle or your earlier vehicle (in case of transfer of No Claim Bonus (NCB) from the earlier vehicle) in the Previous year policy (s) was Nil. Accordingly you give the consent and accept that the No Claim Bonus (NCB) allowed under this current policy for insured vehicle is based on the above Nil claim history. However if we find that the basis of availing the \"No Claim Bonus\" (NCB) under the Current policy is incorrect; then we will impose suitable damages at the time of claim under Own Damage section of the policy, which may at our discretion include forfeiture of all benefits under the Own Damage section of the policy. In case you find that the No Claim Bonus (NCB) under the present policy is not correct, then you may please deposit the amount for No Claim Bonus (NCB) to us within 10 (Ten) days from the date of the issuance of the policy for the continuation of benefits under the Own Damage section of the policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161"}, {"page": 2, "text": "Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 19-12-2023 Inspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-2495-1801-00008044 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD ROHTAK HARYANA 124001 29/11/2023 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG 174347412 28/11/2023 Amount Received 6880.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofi"}, {"page": 3, "text": "(ii)Lossoftwolimbsorsightoftwoeyesoronelimbandsightofoneeye 100% (iii)Lossofonelimborsightofoneeye 50% (iv)Permanenttotaldisablementfrominjuriesotherthannamedabove. 100% Providedalwaysthat a)compensationshallbepayableunderonlyoneoftheitems(i)to(iv)aboveinrespectoftheowner-driverarisingoutofanyoneoccurrenceandthetotalliabilityoftheinsurershallnotintheaggregateexceedthesumof Rs.1500000duringanyoneperiodof insurance. b)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsuredshallbeentitledtoareturnofpremiumlesspremiumatthe Company's Short Periodratesfortheperiodthe Policyhasbeeninforce.Returnofthepremiumbythecompanywillbesubjecttoretentionoftheminimumpremiumof Rs.100/-(or Rs.25/-inrespectofvehiclesspecificallydesigned/modifiedforusebyblind/handicapped/mentally challengedpersons).Wheretheownershipofthevehicleistransferred,thepolicycannotbecancelledunlessevidencethatthevehicleisinsuredelsewhereisproduced. 6.Ifatthetimeofoccurrenceofaneventthatgivesrisetoanyclaimunderthispolicythereisinexistenceanyotherinsurancecoveringthesameliabilitythe Companyshallnotbeliabletopayorcontributemorethanitsrateableproportionofanycompensation,costor expense. 7.Ifanydisputeordifferenceshallariseastothequantumtobepaidunderthispolicy[liabilitybeingotherwiseadmitted),suchdifferenceshallindependentofallotherquestionsbereferredtothedecisionofasolearbitratortobeappointedinwritingbythepartiesto thedisputeoriftheycannotagreeuponasinglearbitratorwithin30daysofanypartyinvoking Arbitration,thesomeshallbereferredtoapanelofthreearbitratorscomprisingtwoarbitratorsonetobeappointedbyeachofthepartiestothedispute/difference,anda thirdarbitratortobeappointedbysuchtwoarbitratorswhoshallactasthepresidingarbitratorand Arbitrationsshallbeconductedunderandinaccordancewiththeprovisionsofthe Arbitrationand Conciliation Act,1996.Itisclearlyagreedandunderstoodthatno differenceordisputeshallbereferableto Arbitrationashereinbeforeprovided,ifthe Companyhasdisputedornotacceptedliabilityunderorinrespectofthispolicy.Itisherebyexpresslystipulatedanddeclaredthatitshallbeconditionprecedenttoanyrightofaction orsuituponthispolicythattheawardbysucharbitrator/arbitratorsoftheamountofthelossordamageshallbefirstobtained.Itisalsoherebyfurtherexpresslyagreedanddeclaredthatifthe Companyshalldisclaimliabilitytotheinsuredforanyclaimhereunderand suchclaimshallnot,withintwelvecalendarmonthsfromthedateofsuchdisclaimerhavebeenmadethesubjectmatterofasuitinacourtoflaw,thentheclaimshallforallpurposesbedeemedtohavebeenabandonedandshallnotthereafterberecoverablehereunder. 8.Thedueobservanceandfulfilmentoft"}], "page_count": 3, "text_source": "native", "ocr_engine": null, "is_scanned": false, "lab_mode": false}


original_filename: IFFCO TOKIO PCP_MX915280.pdf
status: SUCCESS
storage_path: uploads\1\3f460e43b59746a7bc5f6e9ff93d5042_IFFCO TOKIO PCP_MX915280.pdf
created_at: 2026-06-26 09:11:25
updated_at: 2026-06-26 09:39:34
raw_data:
  {"company_code": "iffco_tokio", "company_name": "IFFCO Tokio", "fields": [{"field_name": "policy_number", "value": "1-350UB24J", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "customer_name", "value": "VILLAGE KAKRANA DISTT", "confidence": 0.82, "source_page": null, "source": "extracted"}, {"field_name": "policy_end_date", "value": "04/01/2025", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "policy_start_date", "value": "05/01/2024", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "HR12AF6971", "confidence": 0.75, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "Package", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "Seating", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "premium_amount", "value": "11820.77", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "mobile_number", "value": "9817831766", "confidence": 0.8, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "private_car", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "iffco_tokio", "name": "IFFCO Tokio", "confidence": 1.0}, "checksum": "7cef91c85107bd58cd5c17f29c6c5909982a055d134fbb7dc1237c2a4da4e9b6", "file_size": 185291, "raw_text": "Servicing Office AHEEEHAPBAPHMHDFECLBGAPHIAPNHPAHEEEHA Service Office :IFFCO TOKIO GEN INSU CO LTD PLOT NO 2 B&C, 4th B AN IF JF FF GN CB FP DF CK NA EC PA DC OJ GK FM IO ME JH EI MH DM JK AJ LC BB GO AB MP GB MN IF AF JF AN CB E FLOOR AMMOAFFDCGCLDINFLPJIOPEDCPNBDMEGJAMNE IFFCO COMPLEX SECTOR 28-A, MADHYA MARG J OG BM OC AN GG DF FL AB AF LH CC PG IC EP AO NM HH DG KM HO HL PP KM JK HE NI IB IH FK GH HL EM CK EH KP OE M CHANDIGARH HARYANA PKCDKMFCKFBLHCPFOBKCHJBDLPEBBKFPIIMFE IFFCO-TOKIO GENERAL INSURANCE CO.LTD INDIA160002 MFFNFNEPAGLFEMHENJJFLNDNFAPKAHFHAHDGJ Regd. Office: IFFCO Sadan C1 Distt. Centre, Saket, New Delhi - 110017 General Insurance Services: 997134 A HP HB HB HB HP HA HP PD HB HK HL PM PJ PG PG PH PM PH PO PJ HD PI HI HC PL PM PD PB HB HC HH HE PK HM PO PA H PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX INVOICE GSTIN : 04AAACI7573H1ZK Corporate Identification Number (CIN) U74899DL2000PLC107621, Phone #: 0172 5046350 IRDA Reg. No. 106 UIN: IRDAN106P0005V01200001 Agent Name: ., ARUN DADHWAL Agent #: 3L000003 Agent Mobile #: 9817831766 KRISHAN KUMAR Policy #: 1-350UB24J P400 Policy # MX915280 : Unique Invoice No: 1-350UB24J Status Check: Inforce Address: VILLAGE KAKRANA DISTT ROHTAK ROHTAK Invoice/Issuance Date:03/01/2024 13:45:24 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 05/01/2024 00:00:00 INDIA To: Midnight On 04/01/2025 23:59:59 Phone #: XXXXXXX981 CKYC #: XXXXXXX2561 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - G4LAHM705606 per RC HR12AF6971 2017 Make of Vehicle 1197 Package 320000.00 Non Electrical Accessories are not Chassis No. 5 GRAND I10 SPORTZ 1.2 covered as its value is 0 MALA851CLHM765193 Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 320000.00 0.00 0.00 20000.00 340000.00 11820.77 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 5361.60 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 60.00 Bi Fuel Kit (IMT 25) 800.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 0.0 %) Net (A) 6161.60 Net (B) 3856.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 10017.60 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 11820.77 CGST SGST UTGST IGST KERALA CESS Percentage 18.00 Amount 0.00 0.00 0.00 1803.17 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 25,28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 27-01-2024 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161\n\nInspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-9906-1801-00106344 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD HISAR HARYANA 1 04/01/2024 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG YAX62192256000 03/01/2024 Amount Received 11821.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofindemnityunderthis Policyand b)Undertakethedefenceofproceedingsinany Courtof Lawinrespectofanyactorallegedoffencecausingorrelatingtoanyeventwhichmaybethesubjectofindemnityunderthispolicy. AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY Nothinginthis Policyoranyendorsementhereonshallaffecttherightofanypersonindemnifiedbythis Policyo\n\nb)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsureds", "raw_text_pages": [{"page": 1, "text": "Servicing Office AHEEEHAPBAPHMHDFECLBGAPHIAPNHPAHEEEHA Service Office :IFFCO TOKIO GEN INSU CO LTD PLOT NO 2 B&C, 4th B AN IF JF FF GN CB FP DF CK NA EC PA DC OJ GK FM IO ME JH EI MH DM JK AJ LC BB GO AB MP GB MN IF AF JF AN CB E FLOOR AMMOAFFDCGCLDINFLPJIOPEDCPNBDMEGJAMNE IFFCO COMPLEX SECTOR 28-A, MADHYA MARG J OG BM OC AN GG DF FL AB AF LH CC PG IC EP AO NM HH DG KM HO HL PP KM JK HE NI IB IH FK GH HL EM CK EH KP OE M CHANDIGARH HARYANA PKCDKMFCKFBLHCPFOBKCHJBDLPEBBKFPIIMFE IFFCO-TOKIO GENERAL INSURANCE CO.LTD INDIA160002 MFFNFNEPAGLFEMHENJJFLNDNFAPKAHFHAHDGJ Regd. Office: IFFCO Sadan C1 Distt. Centre, Saket, New Delhi - 110017 General Insurance Services: 997134 A HP HB HB HB HP HA HP PD HB HK HL PM PJ PG PG PH PM PH PO PJ HD PI HI HC PL PM PD PB HB HC HH HE PK HM PO PA H PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX INVOICE GSTIN : 04AAACI7573H1ZK Corporate Identification Number (CIN) U74899DL2000PLC107621, Phone #: 0172 5046350 IRDA Reg. No. 106 UIN: IRDAN106P0005V01200001 Agent Name: ., ARUN DADHWAL Agent #: 3L000003 Agent Mobile #: 9817831766 KRISHAN KUMAR Policy #: 1-350UB24J P400 Policy # MX915280 : Unique Invoice No: 1-350UB24J Status Check: Inforce Address: VILLAGE KAKRANA DISTT ROHTAK ROHTAK Invoice/Issuance Date:03/01/2024 13:45:24 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 05/01/2024 00:00:00 INDIA To: Midnight On 04/01/2025 23:59:59 Phone #: XXXXXXX981 CKYC #: XXXXXXX2561 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - G4LAHM705606 per RC HR12AF6971 2017 Make of Vehicle 1197 Package 320000.00 Non Electrical Accessories are not Chassis No. 5 GRAND I10 SPORTZ 1.2 covered as its value is 0 MALA851CLHM765193 Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 320000.00 0.00 0.00 20000.00 340000.00 11820.77 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 5361.60 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 60.00 Bi Fuel Kit (IMT 25) 800.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 0.0 %) Net (A) 6161.60 Net (B) 3856.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 10017.60 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 11820.77 CGST SGST UTGST IGST KERALA CESS Percentage 18.00 Amount 0.00 0.00 0.00 1803.17 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 25,28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 27-01-2024 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161"}, {"page": 2, "text": "Inspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-9906-1801-00106344 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD HISAR HARYANA 1 04/01/2024 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG YAX62192256000 03/01/2024 Amount Received 11821.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofindemnityunderthis Policyand b)Undertakethedefenceofproceedingsinany Courtof Lawinrespectofanyactorallegedoffencecausingorrelatingtoanyeventwhichmaybethesubjectofindemnityunderthispolicy. AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY Nothinginthis Policyoranyendorsementhereonshallaffecttherightofanypersonindemnifiedbythis Policyo"}, {"page": 3, "text": "b)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsuredshallbeentitledtoareturnofpremiumlesspremiumatthe Company's Short Periodratesfortheperiodthe Policyhasbeeninforce.Returnofthepremiumbythecompanywillbesubjecttoretentionoftheminimumpremiumof Rs.100/-(or Rs.25/-inrespectofvehiclesspecificallydesigned/modifiedforusebyblind/handicapped/mentally challengedpersons).Wheretheownershipofthevehicleistransferred,thepolicycannotbecancelledunlessevidencethatthevehicleisinsuredelsewhereisproduced. 6.Ifatthetimeofoccurrenceofaneventthatgivesrisetoanyclaimunderthispolicythereisinexistenceanyotherinsurancecoveringthesameliabilitythe Companyshallnotbeliabletopayorcontributemorethanitsrateableproportionofanycompensation,costor expense. 7.Ifanydisputeordifferenceshallariseastothequantumtobepaidunderthispolicy[liabilitybeingotherwiseadmitted),suchdifferenceshallindependentofallotherquestionsbereferredtothedecisionofasolearbitratortobeappointedinwritingbythepartiesto thedisputeoriftheycannotagreeuponasinglearbitratorwithin30daysofanypartyinvoking Arbitration,thesomeshallbereferredtoapanelofthreearbitratorscomprisingtwoarbitratorsonetobeappointedbyeachofthepartiestothedispute/difference,anda thirdarbitratortobeappointedbysuchtwoarbitratorswhoshallactasthepresidingarbitratorand Arbitrationsshallbeconductedunderandinaccordancewiththeprovisionsofthe Arbitrationand Conciliation Act,1996.Itisclearlyagreedandunderstoodthatno differenceordisputeshallbereferableto Arbitrationashereinbeforeprovided,ifthe Companyhasdisputedornotacceptedliabilityunderorinrespectofthispolicy.Itisherebyexpresslystipulatedanddeclaredthatitshallbeconditionprecedenttoanyrightofaction orsuituponthispolicythattheawardbysucharbitrator/arbitratorsoftheamountofthelossordamageshallbefirstobtained.Itisalsoherebyfurtherexpresslyagreedanddeclaredthatifthe Companyshalldisclaimliabilitytotheinsuredforanyclaimhereunderand suchclaimshallnot,withintwelvecalendarmonthsfromthedateofsuchdisclaimerhavebeenmadethesubjectmatterofasuitinacourtoflaw,thentheclaimshallforallpurposesbedeemedtohavebeenabandonedandshallnotthereafterberecoverablehereunder. 8.Thedueobservanceandfulfilmentoftheterms,conditionsandendorsementsofthis Policyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredandthetruthofthestatementsandanswersinthesaidproposalshallbeconditionsprecedentto anyliabilityofthe Companytomakeanypaymentunderthis Policy 9.Intheeventofthedeathofthesoleinsured,thispolicywillnotimmediatelylapsebutwillremainvalidforaperiodofthreemonthsfromthedateofthedeathofinsuredoruntiltheexpiryofthispoli"}], "page_count": 3, "lab_mode": true}


original_filename: IFFCO TOKIO PCP_MX915280.pdf
status: SUCCESS
storage_path: uploads\1\b56398a5dd7641a8b045b1122438ec09_IFFCO TOKIO PCP_MX915280.pdf
created_at: 2026-06-26 09:42:33
updated_at: 2026-06-26 10:37:50
raw_data:
  {"company_code": "iffco_tokio", "company_name": "IFFCO Tokio", "fields": [{"field_name": "policy_number", "value": "1-350UB24J", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "customer_name", "value": "VILLAGE KAKRANA DISTT", "confidence": 0.82, "source_page": null, "source": "extracted"}, {"field_name": "policy_end_date", "value": "04/01/2025", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "policy_start_date", "value": "05/01/2024", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "HR12AF6971", "confidence": 0.75, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "Package", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "Seating", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "premium_amount", "value": "11820.77", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "mobile_number", "value": "9817831766", "confidence": 0.8, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "private_car", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "iffco_tokio", "name": "IFFCO Tokio", "confidence": 1.0}, "checksum": "7cef91c85107bd58cd5c17f29c6c5909982a055d134fbb7dc1237c2a4da4e9b6", "file_size": 185291, "raw_text": "Servicing Office AHEEEHAPBAPHMHDFECLBGAPHIAPNHPAHEEEHA Service Office :IFFCO TOKIO GEN INSU CO LTD PLOT NO 2 B&C, 4th B AN IF JF FF GN CB FP DF CK NA EC PA DC OJ GK FM IO ME JH EI MH DM JK AJ LC BB GO AB MP GB MN IF AF JF AN CB E FLOOR AMMOAFFDCGCLDINFLPJIOPEDCPNBDMEGJAMNE IFFCO COMPLEX SECTOR 28-A, MADHYA MARG J OG BM OC AN GG DF FL AB AF LH CC PG IC EP AO NM HH DG KM HO HL PP KM JK HE NI IB IH FK GH HL EM CK EH KP OE M CHANDIGARH HARYANA PKCDKMFCKFBLHCPFOBKCHJBDLPEBBKFPIIMFE IFFCO-TOKIO GENERAL INSURANCE CO.LTD INDIA160002 MFFNFNEPAGLFEMHENJJFLNDNFAPKAHFHAHDGJ Regd. Office: IFFCO Sadan C1 Distt. Centre, Saket, New Delhi - 110017 General Insurance Services: 997134 A HP HB HB HB HP HA HP PD HB HK HL PM PJ PG PG PH PM PH PO PJ HD PI HI HC PL PM PD PB HB HC HH HE PK HM PO PA H PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX INVOICE GSTIN : 04AAACI7573H1ZK Corporate Identification Number (CIN) U74899DL2000PLC107621, Phone #: 0172 5046350 IRDA Reg. No. 106 UIN: IRDAN106P0005V01200001 Agent Name: ., ARUN DADHWAL Agent #: 3L000003 Agent Mobile #: 9817831766 KRISHAN KUMAR Policy #: 1-350UB24J P400 Policy # MX915280 : Unique Invoice No: 1-350UB24J Status Check: Inforce Address: VILLAGE KAKRANA DISTT ROHTAK ROHTAK Invoice/Issuance Date:03/01/2024 13:45:24 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 05/01/2024 00:00:00 INDIA To: Midnight On 04/01/2025 23:59:59 Phone #: XXXXXXX981 CKYC #: XXXXXXX2561 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - G4LAHM705606 per RC HR12AF6971 2017 Make of Vehicle 1197 Package 320000.00 Non Electrical Accessories are not Chassis No. 5 GRAND I10 SPORTZ 1.2 covered as its value is 0 MALA851CLHM765193 Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 320000.00 0.00 0.00 20000.00 340000.00 11820.77 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 5361.60 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 60.00 Bi Fuel Kit (IMT 25) 800.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 0.0 %) Net (A) 6161.60 Net (B) 3856.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 10017.60 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 11820.77 CGST SGST UTGST IGST KERALA CESS Percentage 18.00 Amount 0.00 0.00 0.00 1803.17 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 25,28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 27-01-2024 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161\n\nInspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-9906-1801-00106344 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD HISAR HARYANA 1 04/01/2024 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG YAX62192256000 03/01/2024 Amount Received 11821.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofindemnityunderthis Policyand b)Undertakethedefenceofproceedingsinany Courtof Lawinrespectofanyactorallegedoffencecausingorrelatingtoanyeventwhichmaybethesubjectofindemnityunderthispolicy. AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY Nothinginthis Policyoranyendorsementhereonshallaffecttherightofanypersonindemnifiedbythis Policyo\n\nb)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsureds", "raw_text_pages": [{"page": 1, "text": "Servicing Office AHEEEHAPBAPHMHDFECLBGAPHIAPNHPAHEEEHA Service Office :IFFCO TOKIO GEN INSU CO LTD PLOT NO 2 B&C, 4th B AN IF JF FF GN CB FP DF CK NA EC PA DC OJ GK FM IO ME JH EI MH DM JK AJ LC BB GO AB MP GB MN IF AF JF AN CB E FLOOR AMMOAFFDCGCLDINFLPJIOPEDCPNBDMEGJAMNE IFFCO COMPLEX SECTOR 28-A, MADHYA MARG J OG BM OC AN GG DF FL AB AF LH CC PG IC EP AO NM HH DG KM HO HL PP KM JK HE NI IB IH FK GH HL EM CK EH KP OE M CHANDIGARH HARYANA PKCDKMFCKFBLHCPFOBKCHJBDLPEBBKFPIIMFE IFFCO-TOKIO GENERAL INSURANCE CO.LTD INDIA160002 MFFNFNEPAGLFEMHENJJFLNDNFAPKAHFHAHDGJ Regd. Office: IFFCO Sadan C1 Distt. Centre, Saket, New Delhi - 110017 General Insurance Services: 997134 A HP HB HB HB HP HA HP PD HB HK HL PM PJ PG PG PH PM PH PO PJ HD PI HI HC PL PM PD PB HB HC HH HE PK HM PO PA H PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX INVOICE GSTIN : 04AAACI7573H1ZK Corporate Identification Number (CIN) U74899DL2000PLC107621, Phone #: 0172 5046350 IRDA Reg. No. 106 UIN: IRDAN106P0005V01200001 Agent Name: ., ARUN DADHWAL Agent #: 3L000003 Agent Mobile #: 9817831766 KRISHAN KUMAR Policy #: 1-350UB24J P400 Policy # MX915280 : Unique Invoice No: 1-350UB24J Status Check: Inforce Address: VILLAGE KAKRANA DISTT ROHTAK ROHTAK Invoice/Issuance Date:03/01/2024 13:45:24 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 05/01/2024 00:00:00 INDIA To: Midnight On 04/01/2025 23:59:59 Phone #: XXXXXXX981 CKYC #: XXXXXXX2561 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - G4LAHM705606 per RC HR12AF6971 2017 Make of Vehicle 1197 Package 320000.00 Non Electrical Accessories are not Chassis No. 5 GRAND I10 SPORTZ 1.2 covered as its value is 0 MALA851CLHM765193 Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 320000.00 0.00 0.00 20000.00 340000.00 11820.77 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 5361.60 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 60.00 Bi Fuel Kit (IMT 25) 800.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 0.0 %) Net (A) 6161.60 Net (B) 3856.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 10017.60 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 11820.77 CGST SGST UTGST IGST KERALA CESS Percentage 18.00 Amount 0.00 0.00 0.00 1803.17 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 25,28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 27-01-2024 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161"}, {"page": 2, "text": "Inspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-9906-1801-00106344 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD HISAR HARYANA 1 04/01/2024 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG YAX62192256000 03/01/2024 Amount Received 11821.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofindemnityunderthis Policyand b)Undertakethedefenceofproceedingsinany Courtof Lawinrespectofanyactorallegedoffencecausingorrelatingtoanyeventwhichmaybethesubjectofindemnityunderthispolicy. AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY Nothinginthis Policyoranyendorsementhereonshallaffecttherightofanypersonindemnifiedbythis Policyo"}, {"page": 3, "text": "b)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsuredshallbeentitledtoareturnofpremiumlesspremiumatthe Company's Short Periodratesfortheperiodthe Policyhasbeeninforce.Returnofthepremiumbythecompanywillbesubjecttoretentionoftheminimumpremiumof Rs.100/-(or Rs.25/-inrespectofvehiclesspecificallydesigned/modifiedforusebyblind/handicapped/mentally challengedpersons).Wheretheownershipofthevehicleistransferred,thepolicycannotbecancelledunlessevidencethatthevehicleisinsuredelsewhereisproduced. 6.Ifatthetimeofoccurrenceofaneventthatgivesrisetoanyclaimunderthispolicythereisinexistenceanyotherinsurancecoveringthesameliabilitythe Companyshallnotbeliabletopayorcontributemorethanitsrateableproportionofanycompensation,costor expense. 7.Ifanydisputeordifferenceshallariseastothequantumtobepaidunderthispolicy[liabilitybeingotherwiseadmitted),suchdifferenceshallindependentofallotherquestionsbereferredtothedecisionofasolearbitratortobeappointedinwritingbythepartiesto thedisputeoriftheycannotagreeuponasinglearbitratorwithin30daysofanypartyinvoking Arbitration,thesomeshallbereferredtoapanelofthreearbitratorscomprisingtwoarbitratorsonetobeappointedbyeachofthepartiestothedispute/difference,anda thirdarbitratortobeappointedbysuchtwoarbitratorswhoshallactasthepresidingarbitratorand Arbitrationsshallbeconductedunderandinaccordancewiththeprovisionsofthe Arbitrationand Conciliation Act,1996.Itisclearlyagreedandunderstoodthatno differenceordisputeshallbereferableto Arbitrationashereinbeforeprovided,ifthe Companyhasdisputedornotacceptedliabilityunderorinrespectofthispolicy.Itisherebyexpresslystipulatedanddeclaredthatitshallbeconditionprecedenttoanyrightofaction orsuituponthispolicythattheawardbysucharbitrator/arbitratorsoftheamountofthelossordamageshallbefirstobtained.Itisalsoherebyfurtherexpresslyagreedanddeclaredthatifthe Companyshalldisclaimliabilitytotheinsuredforanyclaimhereunderand suchclaimshallnot,withintwelvecalendarmonthsfromthedateofsuchdisclaimerhavebeenmadethesubjectmatterofasuitinacourtoflaw,thentheclaimshallforallpurposesbedeemedtohavebeenabandonedandshallnotthereafterberecoverablehereunder. 8.Thedueobservanceandfulfilmentoftheterms,conditionsandendorsementsofthis Policyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredandthetruthofthestatementsandanswersinthesaidproposalshallbeconditionsprecedentto anyliabilityofthe Companytomakeanypaymentunderthis Policy 9.Intheeventofthedeathofthesoleinsured,thispolicywillnotimmediatelylapsebutwillremainvalidforaperiodofthreemonthsfromthedateofthedeathofinsuredoruntiltheexpiryofthispoli"}], "page_count": 3, "lab_mode": false}


original_filename: ICICI Policy.pdf
status: SUCCESS
storage_path: uploads\1\0d8707dab10247149d75ba65becd566a_ICICI Policy.pdf
created_at: 2026-06-26 09:43:24
updated_at: 2026-06-26 09:43:24
raw_data:
  {"company_code": "icici_lombard", "company_name": "ICICI Lombard", "fields": [{"field_name": "policy_number", "value": "3005/324042554/00/000", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "customer_name", "value": "JASWANTI", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "mobile_number", "value": "9812878250", "confidence": 0.96, "source_page": null, "source": "extracted"}, {"field_name": "email_address", "value": "ANSHKUMARRTK@GMAIL.COM", "confidence": 0.96, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "HR12AH0367", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "HONDA", "confidence": 0.92, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "JF50E87108526", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "chassis_number", "value": "ME4JF50AHJ8108460", "confidence": 0.97, "source_page": null, "source": "extracted"}, {"field_name": "policy_end_date", "value": "Jan 03, 2025", "confidence": 0.96, "source_page": null, "source": "extracted"}, {"field_name": "address", "value": "R/O VPO PAHRAWAR 69 DISTT ROHTAK, HARYANA", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "policy_start_date", "value": "Jan 04, 2024", "confidence": 0.95, "source_page": null, "source": "extracted"}, {"field_name": "premium_amount", "value": "1822.00", "confidence": 0.95, "source_page": null, "source": "extracted"}, {"field_name": "idv", "value": "29200.00", "confidence": 0.92, "source_page": null, "source": "extracted"}, {"field_name": "ncb", "value": "20", "confidence": 0.92, "source_page": null, "source": "extracted"}, {"field_name": "policy_type", "value": "Two Wheeler Vehicles Package Policy", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "two_wheeler", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "pincode", "value": "124001", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_model", "value": "ACTIVA 5G STD", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "manufacturing_year", "value": "2018", "confidence": 0.95, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "icici_lombard", "name": "ICICI Lombard", "confidence": 0.98}, "checksum": "f202489b90e331809684282307db8520822f91c4c9e2bde743f474351a2fd848", "file_size": 447014, "raw_text": "1 1 Product Code: 3005 UIN: IRDAN115RP0015V04201415 Reference No.: W273781301 Date: Jan 03, 2024 JASWANTI R/O VPO PAHRAWAR 69 DISTT ROHTAK, HARYANA ROHTAK HARYANA 124001 Mobile No: 9812878250 Sub: Risk Assumption Letter Dear JASWANTI, We value your relationship with ICICI Lombard General Insurance Company Limited and thank you for choosing us as your preferred insurance provider. Please find enclosed Policy No. 3005/324042554/00/000, The same has been issued based on below mentioned details, provided by you at the time of policy purchase. Insured & Vehicle Details Name of the Insured JASWANTI Period of Insurance Jan 04, 2024 to Jan 03, 2025 Vehicle Make / Model HONDA MOTORCYCLE / ACTIVA 5G STD RTO City HARYANA-ROHTAK Vehicle Registration No. HR12AH0367 Vehicle Registration Date Nov 02, 2018 Engine No. JF50E87108526 Chassis No. ME4JF50AHJ8108460 Current Year NCB(%) 20% Previous Policy Details Previous Policy No. 3005/275233680/00/B00 Previous Policy Period 04-01-2023 to 03-01-2024 Previous Year NCB(%) 0% Claims Made Under Previous Policy 0 Previous Insurer Name ICLB Previous Policy Type Comprehensive Package 1 Thecommencementofcoverageofriskunderthepolicyissubjecttorealisationofpaymentofpremiuminfull.Incasethepremiumisnotrealiseddueto cheque dishonour or any other reason, the insurance cover shall be void ab-initio. 1 We have issued the policy basis your confirmation that you hold a valid PUC and/or Fitness certificate, as applicable. 1 Governmentof Indiahasmandatedelectronictollpaymentsusing FAS Tagtoreducevehiculartrafficattollplazas.Customersareadvisedtocomplywiththe directionofthegovernmentandgettheir FAS Tagfrom Pointof Salelocationsat Toll Plazasorfrom Issuer Agency.Pleasevisithttp://www.fastag.org/for details. \u201cUpdatingyourbankdetailswithuswouldhelpfacilitatingfuturetransactions.Bankdetailscanbeeasilyupdatedusing\u201cIL\u2013Takecare\u201dApp.Downloadtheapp now for all your insurance and wellness needs and for faster resolution\u201d Pleasecheckthepolicydetailsforaccuracy.Shouldyoufindanydiscrepancy/requireanychangesinthe Certificateof Insurancecum Policy Schedule,please contactusimmediatelyatourtollfreenumber18002666oremailusatcustomersupport@icicilombard.com,sothatwecanrectifythesame.Absenceofany communication within a period of 15 days of the date mentioned on this letter, would mean that the issued policy is in order and as per your proposal. Important Points: a. Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered. b.Anyminorscratchestothevehcile,paintfading,wearandteararisingoutofnormaluseandrequiringtouch-uporminorrepairunderroutinemaintenance will not be covered. c.Anyliabilityofwhatsoevernaturecausedby,contributedbyorarisingduetothevehiclebeingdrivenbyapersonwithouthavingvaliddrivinglicensewillnot be covered. ( Please visist www.icicilombard.com for the policy wordings, for complete details on terms and conditions governing the coverage and NCB) Theinformationprovidedismerelyillustrativeandshallnotbeconstruedtobeanevidenceofexistenceofacontractofinsurance.The Risk Assumption Letter is to be read in conjunction with the policy and shall be considered null and void without the same. 7771/4102/IPO/PUS/PROC Jan 03, 2024\n\n1 CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE 1 Two Wheeler Vehicles Package Policy Product Code: 3005 UIN: IRDAN115RP0015V04201415 Name of the Insured : JASWANTI Policy No. : 3005/324042554/00/000 Address : R/O VPO PAHRAWAR 69 DISTT ROHTAK, HARYANA, Period of Insurance : Jan 04, 2024 12:00:00 to ROHTAK, HARYANA 124001 Midnight of Jan 03, 2025 Telephone No : Mobile No: 9812878250 E-Policy No. : 3005/324042554/00/000 Email Address : ANSHKUMARRTK@GMAIL.COM Policy Issued On : Jan 03, 2024 Nominee Name : - Named Passenger's Nominee: Covernote No. : 324042554 Relationship : - - RTO Location : HARYANA-ROHTAK Age : - Hypothecated To : - GSTIN No. (Customer) : Invoice No. : 100124118637 Servicing Branch Name : Gurgaon Servicing Branch Address : Tower D, Twelth Global Business Park Mehrauli Gurgaon Road Gurgaon Haryana 122002 Politically Exposed Person (PEP)/close relative of PEP: No Vehicle Registration Make Model Type of Body CC/KW Mfg Yr Seating Chassis No. Engine No. No. Capacity HONDA Solo With HR12AH0367 ACTIVA 5G STD 109 2018 2 ME4JF50AHJ8108460 JF50E87108526 MOTORCYCLE Pillion Vehicle IDV Side Car Additional Accessories (`) Electrical / Electronic Non Electrical CNG / LPG Unit Total IDV (`) (`) Accessories (`) Accessories (`) (`) (`) 29,200.00 0.00 0.00 0.00 0.00 0.00 29,200.00 0 Premium Details OWN DAMAGE(A) (`) LIABILITY(B) (`) Basic OD Premium 538.00 Basic Third Party Liability 714.00 Sub Total 538.00 Total 714.00 Less: Add: No Claim Bonus 20% 108.00 PA Cover for Owner Driver 400.00 Sub-Total Deductions 108.00 Sub-Total 400.00 Total Own Damage Premium(A) 430.00 Total Liability Premium(B) 1,114.00 Total Package Premium(A+B): 1544 % 9.00 CGST ` 138.96 % 9.00 SGST ` 138.96 % 0.00 UTGST ` 0.00 % 0.00 IGST ` 0.00 Total Tax Payable in ` 278.00 Total Premium Payable In ` 1,822.00 Geographical Area: India Applicable IMT Clauses: 22 Compulsory Deductible: ` 100.00 Voluntary Deductible: ` 0.00 Features of Add-on Covers: Telematics (Pay-As-You-Use) : Section I -Own Damage, Fire & Theft cover would be available only till the time opted kilometres are not exhausted. Premium Collection No. 1198179819 Premium Amount ` 1822 Receipt Date 03-01-2024 GSTIN Reg.No 06AAACI7904G1ZR HSN/SAC code 997134 / GENERAL INSURANCE SERVICES 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. Limitsof Liability:(a)Under Section II-I(i) of the policy: Death of or bodily injury & (b) Under Section II-I(ii) of the policy: Damage to Third Party Property- Such amount as is necessary to meet therequirementsofthe Motor Vehicles(Amendment)Act,2019` 1,00,000.00/-;PA Cover for Owner-Driverunder Section III:CSI` 15,00,000.00/-. Limitations asto Use:The Policycoversuse ofthevehicle forany purpose otherthan:Hire or Reward,Carriage ofgoods (otherthansamples ofpersonalluggage), Organised racing, Pace Making, Reliability trailsor Speedtesting,any purpose in Connectionwith Motor Trade.Driver's Clause:Anyperson includingtheinsured: Providedthata person driving holdsan effective driving license at the time of the accident and is not disqualified from holding or obtaining such a license. Provided also thattheperson holding aneffectivelearner'slicense may also drive the vehicle and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules,1989.Important Notice:Theinsuredis notindemnified if the vehicle is used or driven otherwise than in accordance with this schedule. Any payment made by the Company by reason ofwiderterms 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\". Inconsiderationof the premium for this extension being calculated at a pro-rata proportion of the annual premium, it is hereby declared and agreed by the insured that upon expiry ofthisextension,thispolicy shall be renewed for a period of twelve months, failing which the difference between the extension premium now paid on pro rata basis and the premium at short period rate shall become payable by the insured.For Legal interpretation, English version will hold good. Disclaimer: Please visit www.icicilombard.comforthepolicy wordings,forcomplete details on terms and conditions governing the coverage and NCB. This document is to be read with the policy wordings. Thepolicy is valid subjecttorealizationofcheque.Weacceptpremiumonly via legally recognized modes.Incase ofdishonour ofpremiumcheque,the company shall notbeliable under the policy and the policy shall be void ab-initio. In case of any discrepancy with respect to the policy, please revert within 15 days from 7771/4102/IPO/PUS/PROC Jan 03, 2024\n\n1 CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE 1 Two Wheeler Vehicles Package Policy Product Code: 3005 UIN: IRDAN115RP0015V04201415 company shall notbeliable under the policy and the policy shall be void ab-initio. In case of any discrepancy with respect to the policy, please revert within 15 days from thepolicy startdate.Thispolicy is underwrittenonthe basis of the information provided by you and as detailed in the Risk Assumption Letter shared with you along with thepolicy.Onrenewal,thebenefitsprovidedunder thepolicy and/ortermsandconditionsofthepolicy includingpremiumratemaybesubject to change. Grievance Redressal:Forresolutionofany queryorgrievance you maycontactus onourtollfreeno.18002666,orvisitany ofourbranch offices.Youcan also write to us at customersupport@icicilombard.com. For detailed grievance redressal mechanism please visit the \"Grievance Redressal\" section on our website www.icicilombard.com. The Company reserves the right to cancel this Policy immediately upon becoming aware of any mis-representation, fraud, non-disclosure of material facts or non-cooperation by or on behalf of the Insured; the Company is not obliged to refund the premium paid under this Policy I/Wehereby certifythatthe Policytowhich this Certificate relates, as well as, this Certificate of Insurance are issued in accordance with the provisions of Chapter X and Chapter XIof Motor Vehicle Act,1988.Inwitnesswhereof,this Policyhas been signed at Mumbai on this date of Jan 03, 2024 in lieu of Covernote No. 324042554. The stamp duty of ` 0.50 paid vide deface no. CSD1820234850 dated Nov 30, 2023. Policy Issuing Office:ICICI Lombard General Insurance Company Limited, ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025. Warrantedthattheinsurednamed herein/ownerofthevehicle holds a valid Pollution Under Control (PUC) Certificate and/or valid fitness certificate, as applicable, on the dateofcommencementofthe Policyandundertakestorenewand 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. Point of Sale (POS) Details POS Number POS Name Contact Details PAN Card Number 202147629975 GOURAV . 9992958222 BZRPG5947D Agency Code : POS51904 Agency Name : GOURAV . Agent's Contact No: 9992958222 Contact Person : 7771/4102/IPO/PUS/PROC Jan 03, 2024", "raw_text_pages": [{"page": 1, "text": "1 1 Product Code: 3005 UIN: IRDAN115RP0015V04201415 Reference No.: W273781301 Date: Jan 03, 2024 JASWANTI R/O VPO PAHRAWAR 69 DISTT ROHTAK, HARYANA ROHTAK HARYANA 124001 Mobile No: 9812878250 Sub: Risk Assumption Letter Dear JASWANTI, We value your relationship with ICICI Lombard General Insurance Company Limited and thank you for choosing us as your preferred insurance provider. Please find enclosed Policy No. 3005/324042554/00/000, The same has been issued based on below mentioned details, provided by you at the time of policy purchase. Insured & Vehicle Details Name of the Insured JASWANTI Period of Insurance Jan 04, 2024 to Jan 03, 2025 Vehicle Make / Model HONDA MOTORCYCLE / ACTIVA 5G STD RTO City HARYANA-ROHTAK Vehicle Registration No. HR12AH0367 Vehicle Registration Date Nov 02, 2018 Engine No. JF50E87108526 Chassis No. ME4JF50AHJ8108460 Current Year NCB(%) 20% Previous Policy Details Previous Policy No. 3005/275233680/00/B00 Previous Policy Period 04-01-2023 to 03-01-2024 Previous Year NCB(%) 0% Claims Made Under Previous Policy 0 Previous Insurer Name ICLB Previous Policy Type Comprehensive Package 1 Thecommencementofcoverageofriskunderthepolicyissubjecttorealisationofpaymentofpremiuminfull.Incasethepremiumisnotrealiseddueto cheque dishonour or any other reason, the insurance cover shall be void ab-initio. 1 We have issued the policy basis your confirmation that you hold a valid PUC and/or Fitness certificate, as applicable. 1 Governmentof Indiahasmandatedelectronictollpaymentsusing FAS Tagtoreducevehiculartrafficattollplazas.Customersareadvisedtocomplywiththe directionofthegovernmentandgettheir FAS Tagfrom Pointof Salelocationsat Toll Plazasorfrom Issuer Agency.Pleasevisithttp://www.fastag.org/for details. \u201cUpdatingyourbankdetailswithuswouldhelpfacilitatingfuturetransactions.Bankdetailscanbeeasilyupdatedusing\u201cIL\u2013Takecare\u201dApp.Downloadtheapp now for all your insurance and wellness needs and for faster resolution\u201d Pleasecheckthepolicydetailsforaccuracy.Shouldyoufindanydiscrepancy/requireanychangesinthe Certificateof Insurancecum Policy Schedule,please contactusimmediatelyatourtollfreenumber18002666oremailusatcustomersupport@icicilombard.com,sothatwecanrectifythesame.Absenceofany communication within a period of 15 days of the date mentioned on this letter, would mean that the issued policy is in order and as per your proposal. Important Points: a. Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered. b.Anyminorscratchestothevehcile,paintfading,wearandteararisingoutofnormaluseandrequiringtouch-uporminorrepairunderroutinemaintenance will not be covered. c.Anyliabilityofwhatsoevernaturecausedby,contributedbyorarisingduetothevehiclebeingdrivenbyapersonwithouthavingvaliddrivinglicensewillnot be covered. ( Please visist www.icicilombard.com for the policy wordings, for complete details on terms and conditions governing the coverage and NCB) Theinformationprovidedismerelyillustrativeandshallnotbeconstruedtobeanevidenceofexistenceofacontractofinsurance.The Risk Assumption Letter is to be read in conjunction with the policy and shall be considered null and void without the same. 7771/4102/IPO/PUS/PROC Jan 03, 2024"}, {"page": 2, "text": "1 CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE 1 Two Wheeler Vehicles Package Policy Product Code: 3005 UIN: IRDAN115RP0015V04201415 Name of the Insured : JASWANTI Policy No. : 3005/324042554/00/000 Address : R/O VPO PAHRAWAR 69 DISTT ROHTAK, HARYANA, Period of Insurance : Jan 04, 2024 12:00:00 to ROHTAK, HARYANA 124001 Midnight of Jan 03, 2025 Telephone No : Mobile No: 9812878250 E-Policy No. : 3005/324042554/00/000 Email Address : ANSHKUMARRTK@GMAIL.COM Policy Issued On : Jan 03, 2024 Nominee Name : - Named Passenger's Nominee: Covernote No. : 324042554 Relationship : - - RTO Location : HARYANA-ROHTAK Age : - Hypothecated To : - GSTIN No. (Customer) : Invoice No. : 100124118637 Servicing Branch Name : Gurgaon Servicing Branch Address : Tower D, Twelth Global Business Park Mehrauli Gurgaon Road Gurgaon Haryana 122002 Politically Exposed Person (PEP)/close relative of PEP: No Vehicle Registration Make Model Type of Body CC/KW Mfg Yr Seating Chassis No. Engine No. No. Capacity HONDA Solo With HR12AH0367 ACTIVA 5G STD 109 2018 2 ME4JF50AHJ8108460 JF50E87108526 MOTORCYCLE Pillion Vehicle IDV Side Car Additional Accessories (`) Electrical / Electronic Non Electrical CNG / LPG Unit Total IDV (`) (`) Accessories (`) Accessories (`) (`) (`) 29,200.00 0.00 0.00 0.00 0.00 0.00 29,200.00 0 Premium Details OWN DAMAGE(A) (`) LIABILITY(B) (`) Basic OD Premium 538.00 Basic Third Party Liability 714.00 Sub Total 538.00 Total 714.00 Less: Add: No Claim Bonus 20% 108.00 PA Cover for Owner Driver 400.00 Sub-Total Deductions 108.00 Sub-Total 400.00 Total Own Damage Premium(A) 430.00 Total Liability Premium(B) 1,114.00 Total Package Premium(A+B): 1544 % 9.00 CGST ` 138.96 % 9.00 SGST ` 138.96 % 0.00 UTGST ` 0.00 % 0.00 IGST ` 0.00 Total Tax Payable in ` 278.00 Total Premium Payable In ` 1,822.00 Geographical Area: India Applicable IMT Clauses: 22 Compulsory Deductible: ` 100.00 Voluntary Deductible: ` 0.00 Features of Add-on Covers: Telematics (Pay-As-You-Use) : Section I -Own Damage, Fire & Theft cover would be available only till the time opted kilometres are not exhausted. Premium Collection No. 1198179819 Premium Amount ` 1822 Receipt Date 03-01-2024 GSTIN Reg.No 06AAACI7904G1ZR HSN/SAC code 997134 / GENERAL INSURANCE SERVICES 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. Limitsof Liability:(a)Under Section II-I(i) of the policy: Death of or bodily injury & (b) Under Section II-I(ii) of the policy: Damage to Third Party Property- Such amount as is necessary to meet therequirementsofthe Motor Vehicles(Amendment)Act,2019` 1,00,000.00/-;PA Cover for Owner-Driverunder Section III:CSI` 15,00,000.00/-. Limitations asto Use:The Policycoversuse ofthevehicle forany purpose otherthan:Hire or Reward,Carriage ofgoods (otherthansamples ofpersonalluggage), Organised racing, Pace Making, Reliability trailsor Speedtesting,any purpose in Connectionwith Motor Trade.Driver's Clause:Anyperson includingtheinsured: Providedthata person driving holdsan effective driving license at the time of the accident and is not disqualified from holding or obtaining such a license. Provided also thattheperson holding aneffectivelearner'slicense may also drive the vehicle and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules,1989.Important Notice:Theinsuredis notindemnified if the vehicle is used or driven otherwise than in accordance with this schedule. Any payment made by the Company by reason ofwiderterms 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\". Inconsiderationof the premium for this extension being calculated at a pro-rata proportion of the annual premium, it is hereby declared and agreed by the insured that upon expiry ofthisextension,thispolicy shall be renewed for a period of twelve months, failing which the difference between the extension premium now paid on pro rata basis and the premium at short period rate shall become payable by the insured.For Legal interpretation, English version will hold good. Disclaimer: Please visit www.icicilombard.comforthepolicy wordings,forcomplete details on terms and conditions governing the coverage and NCB. This document is to be read with the policy wordings. Thepolicy is valid subjecttorealizationofcheque.Weacceptpremiumonly via legally recognized modes.Incase ofdishonour ofpremiumcheque,the company shall notbeliable under the policy and the policy shall be void ab-initio. In case of any discrepancy with respect to the policy, please revert within 15 days from 7771/4102/IPO/PUS/PROC Jan 03, 2024"}, {"page": 3, "text": "1 CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE 1 Two Wheeler Vehicles Package Policy Product Code: 3005 UIN: IRDAN115RP0015V04201415 company shall notbeliable under the policy and the policy shall be void ab-initio. In case of any discrepancy with respect to the policy, please revert within 15 days from thepolicy startdate.Thispolicy is underwrittenonthe basis of the information provided by you and as detailed in the Risk Assumption Letter shared with you along with thepolicy.Onrenewal,thebenefitsprovidedunder thepolicy and/ortermsandconditionsofthepolicy includingpremiumratemaybesubject to change. Grievance Redressal:Forresolutionofany queryorgrievance you maycontactus onourtollfreeno.18002666,orvisitany ofourbranch offices.Youcan also write to us at customersupport@icicilombard.com. For detailed grievance redressal mechanism please visit the \"Grievance Redressal\" section on our website www.icicilombard.com. The Company reserves the right to cancel this Policy immediately upon becoming aware of any mis-representation, fraud, non-disclosure of material facts or non-cooperation by or on behalf of the Insured; the Company is not obliged to refund the premium paid under this Policy I/Wehereby certifythatthe Policytowhich this Certificate relates, as well as, this Certificate of Insurance are issued in accordance with the provisions of Chapter X and Chapter XIof Motor Vehicle Act,1988.Inwitnesswhereof,this Policyhas been signed at Mumbai on this date of Jan 03, 2024 in lieu of Covernote No. 324042554. The stamp duty of ` 0.50 paid vide deface no. CSD1820234850 dated Nov 30, 2023. Policy Issuing Office:ICICI Lombard General Insurance Company Limited, ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025. Warrantedthattheinsurednamed herein/ownerofthevehicle holds a valid Pollution Under Control (PUC) Certificate and/or valid fitness certificate, as applicable, on the dateofcommencementofthe Policyandundertakestorenewand 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. Point of Sale (POS) Details POS Number POS Name Contact Details PAN Card Number 202147629975 GOURAV . 9992958222 BZRPG5947D Agency Code : POS51904 Agency Name : GOURAV . Agent's Contact No: 9992958222 Contact Person : 7771/4102/IPO/PUS/PROC Jan 03, 2024"}], "page_count": 3, "text_source": "native", "ocr_engine": null, "is_scanned": false, "lab_mode": false}


original_filename: IFFCO TOKIO PCP_MX915280.pdf
status: SUCCESS
storage_path: uploads\1\7b98a63a6536437d89452a4ba2484d63_IFFCO TOKIO PCP_MX915280.pdf
created_at: 2026-06-28 00:49:47
updated_at: 2026-06-28 00:49:47
raw_data:
  {"company_code": "iffco_tokio", "company_name": "IFFCO Tokio", "fields": [{"field_name": "policy_number", "value": "1-350UB24J", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "customer_name", "value": "VILLAGE KAKRANA DISTT", "confidence": 0.82, "source_page": null, "source": "extracted"}, {"field_name": "policy_end_date", "value": "04/01/2025", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "policy_start_date", "value": "05/01/2024", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "HR12AF6971", "confidence": 0.75, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "Package", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "Seating", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "premium_amount", "value": "11820.77", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "mobile_number", "value": "9817831766", "confidence": 0.8, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "private_car", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "iffco_tokio", "name": "IFFCO Tokio", "confidence": 0.98}, "checksum": "7cef91c85107bd58cd5c17f29c6c5909982a055d134fbb7dc1237c2a4da4e9b6", "file_size": 185291, "raw_text": "Servicing Office AHEEEHAPBAPHMHDFECLBGAPHIAPNHPAHEEEHA Service Office :IFFCO TOKIO GEN INSU CO LTD PLOT NO 2 B&C, 4th B AN IF JF FF GN CB FP DF CK NA EC PA DC OJ GK FM IO ME JH EI MH DM JK AJ LC BB GO AB MP GB MN IF AF JF AN CB E FLOOR AMMOAFFDCGCLDINFLPJIOPEDCPNBDMEGJAMNE IFFCO COMPLEX SECTOR 28-A, MADHYA MARG J OG BM OC AN GG DF FL AB AF LH CC PG IC EP AO NM HH DG KM HO HL PP KM JK HE NI IB IH FK GH HL EM CK EH KP OE M CHANDIGARH HARYANA PKCDKMFCKFBLHCPFOBKCHJBDLPEBBKFPIIMFE IFFCO-TOKIO GENERAL INSURANCE CO.LTD INDIA160002 MFFNFNEPAGLFEMHENJJFLNDNFAPKAHFHAHDGJ Regd. Office: IFFCO Sadan C1 Distt. Centre, Saket, New Delhi - 110017 General Insurance Services: 997134 A HP HB HB HB HP HA HP PD HB HK HL PM PJ PG PG PH PM PH PO PJ HD PI HI HC PL PM PD PB HB HC HH HE PK HM PO PA H PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX INVOICE GSTIN : 04AAACI7573H1ZK Corporate Identification Number (CIN) U74899DL2000PLC107621, Phone #: 0172 5046350 IRDA Reg. No. 106 UIN: IRDAN106P0005V01200001 Agent Name: ., ARUN DADHWAL Agent #: 3L000003 Agent Mobile #: 9817831766 KRISHAN KUMAR Policy #: 1-350UB24J P400 Policy # MX915280 : Unique Invoice No: 1-350UB24J Status Check: Inforce Address: VILLAGE KAKRANA DISTT ROHTAK ROHTAK Invoice/Issuance Date:03/01/2024 13:45:24 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 05/01/2024 00:00:00 INDIA To: Midnight On 04/01/2025 23:59:59 Phone #: XXXXXXX981 CKYC #: XXXXXXX2561 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - G4LAHM705606 per RC HR12AF6971 2017 Make of Vehicle 1197 Package 320000.00 Non Electrical Accessories are not Chassis No. 5 GRAND I10 SPORTZ 1.2 covered as its value is 0 MALA851CLHM765193 Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 320000.00 0.00 0.00 20000.00 340000.00 11820.77 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 5361.60 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 60.00 Bi Fuel Kit (IMT 25) 800.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 0.0 %) Net (A) 6161.60 Net (B) 3856.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 10017.60 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 11820.77 CGST SGST UTGST IGST KERALA CESS Percentage 18.00 Amount 0.00 0.00 0.00 1803.17 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 25,28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 27-01-2024 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161\n\nInspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-9906-1801-00106344 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD HISAR HARYANA 1 04/01/2024 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG YAX62192256000 03/01/2024 Amount Received 11821.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofindemnityunderthis Policyand b)Undertakethedefenceofproceedingsinany Courtof Lawinrespectofanyactorallegedoffencecausingorrelatingtoanyeventwhichmaybethesubjectofindemnityunderthispolicy. AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY Nothinginthis Policyoranyendorsementhereonshallaffecttherightofanypersonindemnifiedbythis Policyo\n\nb)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsureds", "raw_text_pages": [{"page": 1, "text": "Servicing Office AHEEEHAPBAPHMHDFECLBGAPHIAPNHPAHEEEHA Service Office :IFFCO TOKIO GEN INSU CO LTD PLOT NO 2 B&C, 4th B AN IF JF FF GN CB FP DF CK NA EC PA DC OJ GK FM IO ME JH EI MH DM JK AJ LC BB GO AB MP GB MN IF AF JF AN CB E FLOOR AMMOAFFDCGCLDINFLPJIOPEDCPNBDMEGJAMNE IFFCO COMPLEX SECTOR 28-A, MADHYA MARG J OG BM OC AN GG DF FL AB AF LH CC PG IC EP AO NM HH DG KM HO HL PP KM JK HE NI IB IH FK GH HL EM CK EH KP OE M CHANDIGARH HARYANA PKCDKMFCKFBLHCPFOBKCHJBDLPEBBKFPIIMFE IFFCO-TOKIO GENERAL INSURANCE CO.LTD INDIA160002 MFFNFNEPAGLFEMHENJJFLNDNFAPKAHFHAHDGJ Regd. Office: IFFCO Sadan C1 Distt. Centre, Saket, New Delhi - 110017 General Insurance Services: 997134 A HP HB HB HB HP HA HP PD HB HK HL PM PJ PG PG PH PM PH PO PJ HD PI HI HC PL PM PD PB HB HC HH HE PK HM PO PA H PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX INVOICE GSTIN : 04AAACI7573H1ZK Corporate Identification Number (CIN) U74899DL2000PLC107621, Phone #: 0172 5046350 IRDA Reg. No. 106 UIN: IRDAN106P0005V01200001 Agent Name: ., ARUN DADHWAL Agent #: 3L000003 Agent Mobile #: 9817831766 KRISHAN KUMAR Policy #: 1-350UB24J P400 Policy # MX915280 : Unique Invoice No: 1-350UB24J Status Check: Inforce Address: VILLAGE KAKRANA DISTT ROHTAK ROHTAK Invoice/Issuance Date:03/01/2024 13:45:24 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 05/01/2024 00:00:00 INDIA To: Midnight On 04/01/2025 23:59:59 Phone #: XXXXXXX981 CKYC #: XXXXXXX2561 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - G4LAHM705606 per RC HR12AF6971 2017 Make of Vehicle 1197 Package 320000.00 Non Electrical Accessories are not Chassis No. 5 GRAND I10 SPORTZ 1.2 covered as its value is 0 MALA851CLHM765193 Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 320000.00 0.00 0.00 20000.00 340000.00 11820.77 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 5361.60 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 60.00 Bi Fuel Kit (IMT 25) 800.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 0.0 %) Net (A) 6161.60 Net (B) 3856.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 10017.60 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 11820.77 CGST SGST UTGST IGST KERALA CESS Percentage 18.00 Amount 0.00 0.00 0.00 1803.17 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 25,28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 27-01-2024 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161"}, {"page": 2, "text": "Inspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-9906-1801-00106344 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD HISAR HARYANA 1 04/01/2024 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG YAX62192256000 03/01/2024 Amount Received 11821.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofindemnityunderthis Policyand b)Undertakethedefenceofproceedingsinany Courtof Lawinrespectofanyactorallegedoffencecausingorrelatingtoanyeventwhichmaybethesubjectofindemnityunderthispolicy. AVOIDANCEOFCERTAINTERMSANDRIGHTOFRECOVERY Nothinginthis Policyoranyendorsementhereonshallaffecttherightofanypersonindemnifiedbythis Policyo"}, {"page": 3, "text": "b)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsuredshallbeentitledtoareturnofpremiumlesspremiumatthe Company's Short Periodratesfortheperiodthe Policyhasbeeninforce.Returnofthepremiumbythecompanywillbesubjecttoretentionoftheminimumpremiumof Rs.100/-(or Rs.25/-inrespectofvehiclesspecificallydesigned/modifiedforusebyblind/handicapped/mentally challengedpersons).Wheretheownershipofthevehicleistransferred,thepolicycannotbecancelledunlessevidencethatthevehicleisinsuredelsewhereisproduced. 6.Ifatthetimeofoccurrenceofaneventthatgivesrisetoanyclaimunderthispolicythereisinexistenceanyotherinsurancecoveringthesameliabilitythe Companyshallnotbeliabletopayorcontributemorethanitsrateableproportionofanycompensation,costor expense. 7.Ifanydisputeordifferenceshallariseastothequantumtobepaidunderthispolicy[liabilitybeingotherwiseadmitted),suchdifferenceshallindependentofallotherquestionsbereferredtothedecisionofasolearbitratortobeappointedinwritingbythepartiesto thedisputeoriftheycannotagreeuponasinglearbitratorwithin30daysofanypartyinvoking Arbitration,thesomeshallbereferredtoapanelofthreearbitratorscomprisingtwoarbitratorsonetobeappointedbyeachofthepartiestothedispute/difference,anda thirdarbitratortobeappointedbysuchtwoarbitratorswhoshallactasthepresidingarbitratorand Arbitrationsshallbeconductedunderandinaccordancewiththeprovisionsofthe Arbitrationand Conciliation Act,1996.Itisclearlyagreedandunderstoodthatno differenceordisputeshallbereferableto Arbitrationashereinbeforeprovided,ifthe Companyhasdisputedornotacceptedliabilityunderorinrespectofthispolicy.Itisherebyexpresslystipulatedanddeclaredthatitshallbeconditionprecedenttoanyrightofaction orsuituponthispolicythattheawardbysucharbitrator/arbitratorsoftheamountofthelossordamageshallbefirstobtained.Itisalsoherebyfurtherexpresslyagreedanddeclaredthatifthe Companyshalldisclaimliabilitytotheinsuredforanyclaimhereunderand suchclaimshallnot,withintwelvecalendarmonthsfromthedateofsuchdisclaimerhavebeenmadethesubjectmatterofasuitinacourtoflaw,thentheclaimshallforallpurposesbedeemedtohavebeenabandonedandshallnotthereafterberecoverablehereunder. 8.Thedueobservanceandfulfilmentoftheterms,conditionsandendorsementsofthis Policyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredandthetruthofthestatementsandanswersinthesaidproposalshallbeconditionsprecedentto anyliabilityofthe Companytomakeanypaymentunderthis Policy 9.Intheeventofthedeathofthesoleinsured,thispolicywillnotimmediatelylapsebutwillremainvalidforaperiodofthreemonthsfromthedateofthedeathofinsuredoruntiltheexpiryofthispoli"}], "page_count": 3, "text_source": "native", "ocr_engine": null, "is_scanned": false, 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original_filename: IFFCO TOKIO PCP_MX410266.pdf
status: PARTIAL
storage_path: uploads\1\a0b377a0f3b64690a707f28f0b3d102a_IFFCO TOKIO PCP_MX410266.pdf
created_at: 2026-06-28 01:00:14
updated_at: 2026-06-28 01:00:14
raw_data:
  {"company_code": "iffco_tokio", "company_name": "IFFCO Tokio", "fields": [{"field_name": "policy_number", "value": "1-3362U49J", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "policy_end_date", "value": "29/11/2024", "confidence": 0.93, "source_page": null, "source": "extracted"}, {"field_name": "policy_start_date", "value": "30/11/2023", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "IN-0S0", "confidence": 0.75, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "Package", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "engine_number", "value": "Seating", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "premium_amount", "value": "6880.24", "confidence": 0.9, "source_page": null, "source": "extracted"}, {"field_name": "mobile_number", "value": "8398022939", "confidence": 0.8, "source_page": null, "source": "extracted"}, {"field_name": "coverage_type", "value": "third_party", "confidence": 0.85, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_type", "value": "private_car", "confidence": 0.85, "source_page": null, "source": "extracted"}], "company_detection": {"code": "iffco_tokio", "name": "IFFCO Tokio", "confidence": 0.98}, "checksum": "ecd2f8377b4bd2ed135368bcbeff597a8edffa6cda6c1206d23c064e30862779", "file_size": 185871, "raw_text": "Servicing Office AHEEEHAPCDOBOLCHPONNPDGBEMGOOPAHEEEHA BNFFFNBPMPFHNHICMLJCILJPEHBGBPBNFFFNB Service Office :IFFCO TOKIO GEN INS CO LTD 3rd Floor, Raj Complex DNHAKDFHJLALEHOLMNCFINJABACOIPHJMHMDH Opposite Liberty Mall Delhi Road ABFNPKFPLCJHFBFGCDPEHOOPEDECKACKADFBC MJKHPJFKPNNABFJGOALLMDNLHDKJFNKMOCFIJ ROHTAK Haryana G J EB K FC K NO C FE D FB M NF F EJ P PE K AD G OH A IO E KD N JH G PE O HD G MD H PC N OB M EG O CD O JD K BM I CI P KM N IM D HM N NG C CB I AH G HM D FF D HG B AK L PO F BP J BH C E Regd. Office IF : F IFC FO C- OTO SK a I d O a n G CE 1N E DR is A tt.L C IN en S t U re R , A SN ak C e E t, C NO ew.L DTD elhi - 110017 I GN e D n I e A r1 a2 l 4 In0 s0 u1 r ance Services: 997134 APBBBPAPJPCMBIGIDNMPNNMJJKINFABGAEIPL POS - PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX GSTIN : 06AAACI7573H1ZG HHHHHHHPHHPHPHHPHHPHPPPPPHHPPPHPHHHHH INVOICE Phone #: NA NA Corporate Identification Number (CIN) U74899DL2000PLC107621, IRDA Reg. No. 106 Agent Name: MANCHANDA, LEENA UIN: IRDAN106P0005V01200001 Agent #: 6G000117 Agent Mobile #: 8398022939 JITENDER . Policy #: 1-3362U49J P400 Policy # MX410266 : Unique Invoice No: 1-3362U49J Status Check: Inforce Address: H.NO 1337/1 NEAR ARYAN SCHOOL SURYA NAGAR Invoice/Issuance Date:28/11/2023 16:01:15 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 30/11/2023 00:00:00 INDIA To: Midnight On 29/11/2024 23:59:59 Phone #: XXXXXXX413 CKYC #: XXXXXXX8012 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - D3FAFM390112 per RC HR51BJ0426 2015 Make of Vehicle 1197 Package 230000.00 Non Electrical Accessories are not Chassis No. 5 HYUNDAI XCENT 1.2 CRDI E PLUS covered as its value is 0 MALA841DLFM131917*H Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 230000.00 0.00 0.00 0.00 230000.00 6880.24 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 3699.50 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 0.00 Bi Fuel Kit (IMT 25) 0.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 45% ) -1664.78 Net (A) 2034.72 Net (B) 3796.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 5830.72 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 6880.24 CGST SGST UTGST IGST KERALA CESS Percentage 9.00 9.00 Amount 524.76 524.76 0.00 0.00 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Notwithstanding anything to the contrary contained in the policy, it is hereby agreed, understood and warranted that the No Claim Bonus (NCB) allowed under this policy is subject to the fact that the Own Damage claim experience for your insured vehicle or your earlier vehicle (in case of transfer of No Claim Bonus (NCB) from the earlier vehicle) in the Previous year policy (s) was Nil. Accordingly you give the consent and accept that the No Claim Bonus (NCB) allowed under this current policy for insured vehicle is based on the above Nil claim history. However if we find that the basis of availing the \"No Claim Bonus\" (NCB) under the Current policy is incorrect; then we will impose suitable damages at the time of claim under Own Damage section of the policy, which may at our discretion include forfeiture of all benefits under the Own Damage section of the policy. In case you find that the No Claim Bonus (NCB) under the present policy is not correct, then you may please deposit the amount for No Claim Bonus (NCB) to us within 10 (Ten) days from the date of the issuance of the policy for the continuation of benefits under the Own Damage section of the policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161\n\nUnder Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 19-12-2023 Inspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-2495-1801-00008044 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD ROHTAK HARYANA 124001 29/11/2023 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG 174347412 28/11/2023 Amount Received 6880.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofi\n\n(ii)Lossoftwolimbsorsightoftwoeyesoronelimbandsightofoneeye 100% (iii)Lossofonelimborsightofoneeye 50% (iv)Permanenttotaldisablementfrominjuriesotherthannamedabove. 100% Providedalwaysthat a)compensationshallbepayableunderonlyoneoftheitems(i)to(iv)aboveinrespectoftheowner-driverarisingoutofanyoneoccurrenceandthetotalliabilityoftheinsurershallnotintheaggregateexceedthesumof Rs.1500000duringanyoneperiodof insurance. b)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Com", "raw_text_pages": [{"page": 1, "text": "Servicing Office AHEEEHAPCDOBOLCHPONNPDGBEMGOOPAHEEEHA BNFFFNBPMPFHNHICMLJCILJPEHBGBPBNFFFNB Service Office :IFFCO TOKIO GEN INS CO LTD 3rd Floor, Raj Complex DNHAKDFHJLALEHOLMNCFINJABACOIPHJMHMDH Opposite Liberty Mall Delhi Road ABFNPKFPLCJHFBFGCDPEHOOPEDECKACKADFBC MJKHPJFKPNNABFJGOALLMDNLHDKJFNKMOCFIJ ROHTAK Haryana G J EB K FC K NO C FE D FB M NF F EJ P PE K AD G OH A IO E KD N JH G PE O HD G MD H PC N OB M EG O CD O JD K BM I CI P KM N IM D HM N NG C CB I AH G HM D FF D HG B AK L PO F BP J BH C E Regd. Office IF : F IFC FO C- OTO SK a I d O a n G CE 1N E DR is A tt.L C IN en S t U re R , A SN ak C e E t, C NO ew.L DTD elhi - 110017 I GN e D n I e A r1 a2 l 4 In0 s0 u1 r ance Services: 997134 APBBBPAPJPCMBIGIDNMPNNMJJKINFABGAEIPL POS - PRIVATE CAR CERTIFICATE OF INSURANCE CUM SCHEDULE & TAX GSTIN : 06AAACI7573H1ZG HHHHHHHPHHPHPHHPHHPHPPPPPHHPPPHPHHHHH INVOICE Phone #: NA NA Corporate Identification Number (CIN) U74899DL2000PLC107621, IRDA Reg. No. 106 Agent Name: MANCHANDA, LEENA UIN: IRDAN106P0005V01200001 Agent #: 6G000117 Agent Mobile #: 8398022939 JITENDER . Policy #: 1-3362U49J P400 Policy # MX410266 : Unique Invoice No: 1-3362U49J Status Check: Inforce Address: H.NO 1337/1 NEAR ARYAN SCHOOL SURYA NAGAR Invoice/Issuance Date:28/11/2023 16:01:15 ROHTAK HARYANA Pin Code 124001 Period of Insurance From: 30/11/2023 00:00:00 INDIA To: Midnight On 29/11/2024 23:59:59 Phone #: XXXXXXX413 CKYC #: XXXXXXX8012 Cover Note # Geographical Area Within India Only State Code: 06 Place Of Supply: HARYANA GSTIN Status Check: Inforce Country INDIA UIN Insured Motor Vehicle Details & Premium Calculation Type of Body Engine No. Seating Registration Mark & Year of Manuf. CC Coverage IDV in Rs. Non Elect. Acc. Capacity as No. - D3FAFM390112 per RC HR51BJ0426 2015 Make of Vehicle 1197 Package 230000.00 Non Electrical Accessories are not Chassis No. 5 HYUNDAI XCENT 1.2 CRDI E PLUS covered as its value is 0 MALA841DLFM131917*H Registration Authority Vehicle Trailer Elec./Elect. Acc. Bi-Fuel Kit Total Value Net Premium Rs. 230000.00 0.00 0.00 0.00 230000.00 6880.24 A. Own Damage Premium(Rs.) B. Third Party Premium(Rs.) Basic Premium(Incl. Disc) 3699.50 Basic Premium 3416.00 Electrical Accessories (IMT 24) 0.00 Bi Fuel Kit (IMT 25) 0.00 Bi Fuel Kit (IMT 25) 0.00 Add: Add: Rallies (IMT 31) 0.00 Legal Liability to Driver (IMT 28) 50.00 Foreign Vehicle Loading (IMT 19) 0.00 Legal Liability to Employee (IMT 29) 0.00 Geographical Area Extension (IMT 1) 0.00 PA to Passenger (IMT 16) 0.00 Trailers (IMT 30) 0.00 Rallies (IMT 31) 0.00 PA Owner Driver CSI Rs 1500000 330.00 Geographical Area Extension (IMT 1) 0.00 IMT 15 Additional Loading Less: Less: Voluntary Excess Less 0% (IMT 22A) 0.00 Anti Theft Device (IMT 10) 0.00 Automobile Association (IMT 8) 0.00 Handicap Discount (IMT 12) 0.00 Vehicle Use (IMT 13) 0.00 No Claim Discount ( 45% ) -1664.78 Net (A) 2034.72 Net (B) 3796.00 Co-Insurance Details Agent No./Share Total Premium Taxable Value(A + B)RS. Rs. 5830.72 Co-Insurer 2 No Co-Insurer Premium Paid(Total Invoice Value) Rs. 6880.24 CGST SGST UTGST IGST KERALA CESS Percentage 9.00 9.00 Amount 524.76 524.76 0.00 0.00 \"Whether GST is Payable on Reverse Charge Basis \u2013 No\" 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. Liability shall be subject to the law laid down in the Motor Vehicle Act,1988, as amended from time to time The issuance of this Insurance Policy is subject to satisfactory verification of KYC documentation of the Client/ Policyholder as per IRDAI Master Circular dated 1st August 2022 on AML/ CFT. In case, if any discrepancy is found in KYC Verification of the Client/ Policyholder, it is agreed by the Client/ Policyholder to complete/ rectify the discrepancy found in the KYC documents/information for the generation of CKYC Number, failing which the policy will be considered ineffective/suspended/ cancelled and no claim will be payable under this Insurance Policy. Under Hire Purchase /Hypothecated/Lease Agreement with NA Nominees: (DUMMY), Subject to IMT Endorsement Nos. 28 Limitation as to use :The policy covers use of vehicle for any purpose other than hire or reward, carriage of goods (other than samples or personal luggage), organized racing, pace making, speed testing, reliability trails, Use in connection with Motor Trade Driver Clause: Any person including insured: provided that the person driving holds and 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 The Central Motor Vehicles Rules 1989 No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy The preceding year 20 % Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% Please note that the above premium is likely to be changed with effect from 1.5.2022 in respect of Third Party section of the policy as per IRDA guidelines as well as Service Tax. In case the premium rates and Service Tax are revised you are requested to give the revised increased premium in order to avail the continuity of benefits under your Motor Insurance Policy. Notwithstanding anything to the contrary contained in the policy, it is hereby agreed, understood and warranted that the No Claim Bonus (NCB) allowed under this policy is subject to the fact that the Own Damage claim experience for your insured vehicle or your earlier vehicle (in case of transfer of No Claim Bonus (NCB) from the earlier vehicle) in the Previous year policy (s) was Nil. Accordingly you give the consent and accept that the No Claim Bonus (NCB) allowed under this current policy for insured vehicle is based on the above Nil claim history. However if we find that the basis of availing the \"No Claim Bonus\" (NCB) under the Current policy is incorrect; then we will impose suitable damages at the time of claim under Own Damage section of the policy, which may at our discretion include forfeiture of all benefits under the Own Damage section of the policy. In case you find that the No Claim Bonus (NCB) under the present policy is not correct, then you may please deposit the amount for No Claim Bonus (NCB) to us within 10 (Ten) days from the date of the issuance of the policy for the continuation of benefits under the Own Damage section of the policy. Exclusion: Losses or damages caused directly or indirectly due to any infectious or contagious disease, pandemic /epidemics as declared by WHO and / or Government of India will be an exclusion under this policy. Limit of Liability Deductible under Section I Under Section II-I(i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988 Page 1 of 3 1) \"Policy Issuing Office: Delhi\", 2) \"Consolidated Stamp Duty deposited as per the order of Government of National Capital Territory of Delhi\" FOR QCS/CLAIMS CALL 1800 103 5499(Toll Free),0124-4285499 or SMS\"CLAIM\" to 56161"}, {"page": 2, "text": "Under Section II-I(ii) As per premium computation table Voluntary Excess: Under Section III PA Owner- Driver as per premium computation table Compulsory Excess: For Vehicle CC not exceeding 1500 cc, Rs 1000/- For Vehicle CC exceeding 1500 cc, Rs 2000/- PUC Details: Polution under control certificate is valid till 19-12-2023 Inspection Status Inspection Date Inspection Ref No.: Inspecting Agency The benefit under the policy will not be payable unless the policy is endorsed with proper registration No. of the vehicle within a maximum period of 7 days from the date and time of the Registration of the vehicle. Previous Policy Number Previous Insurer Name and Address Policy Expiry Date OG-23-2495-1801-00008044 BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD ROHTAK HARYANA 124001 29/11/2023 1.\"I/ we hereby certify that the policy to which the certificate related as well as the certificate of insurance are issued in accordance with provisions of Chapter X, XI of MV act 1988\" 2.\"Warranted that in case of Dishonor of premium cheque, This document stands automatically cancelled \"AB-INITIO\" 3.\"Important Notice: This 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 motor vehicle act 1988 is recoverable from the insured. See the clause headed \"avoidance of certain terms and right of recovery\" Receipt Particulars: S.Tax.No. AAACI7573HST001 Pay Method Receipt Amount Instrument # Instrument Date Bank Cash PG 174347412 28/11/2023 Amount Received 6880.00 For IFFCO-TOKIO General Insurance Co. Ltd Subrata Mondal Authorised Signatory.. \"For quick access to policy services and claim intimation & Quick claim settlement(QCS) kindly down load our customer application from - https://play.google.com/store/apps/details?id=com.iffcotokio.Customer App or https://apps.apple.com/in/app/iffco-tokio-customer/id1346469176#?platform=iphone Or Call our toll free number- 1800 103 5499 Or Web portal = https://www.iffcotokio.co.in/claims/register-a-claim Or Our Service can be accessed through Whats App No. 7993407777. Now IFFCO-TOKIO Policy Documents can be stored in Digi Locker.\" Policy Wordingfor Private Car Whereastheinsuredbyaproposalanddeclarationdatedasstatedinthe Schedulewhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtothe Companyfortheinsurancehereinaftercontainedandhaspaidthepremiummentioned inthescheduleasconsiderationforsuchinsuranceinrespectofaccidentallossordamageoccurringduringtheperiodofinsurance. NOWTHISPOLICYWITNESSETH:Thatsubjecttothe Terms Exceptionsand Conditionscontainedhereinorendorsedorexpressedhereon, \u25a0LOSSOFORDAMAGETOTHEVEHICLEINSURED(OWNDAMAGE) Thecompanywillindemnifytheinsuredagainstlossordamagetothevehicleinsuredhereunderand/oritsaccessorieswhilstthereon i.byfireexplosionselfignitionorlightning; ii.byburglaryhousebreakingortheft; iii.byriotandstrike; iv.byearthquake(fireandshockdamage); v.byfloodtyphoonhurricanestormtempestinundationcyclonehailstormfrost; vi.byaccidentalexternalmeans; vii.bymaliciousact; viii.byterroristactivity; ix.whilstintransitbyroadrailinland-waterwayliftelevatororair; x.bylandsliderockslide. Subjecttoadeductionfordepreciationattheratesmentionedbelowinrespectofpartsreplaced: 1Forallrubber/nylon/plasticparts,tyresandtubes,batteriesandairbags -50% 2Forfibreglasscomponents -30% 3Forallpartsmadeofglass -Nil. 4Rateofdepreciationforallotherpartsincludingwoodenpartswillbeasperthefollowingschedule AGE OF VEHICLE % OF DEPRECIATION Notexceeding6months Nil Exceeding6monthsbutnotexceeding1year 5% Exceeding1yearbutnotexceeding2years 10% Exceeding2yearsbutnotexceeding3years 15% Exceeding3yearsbutnotexceeding4years 25% Exceeding4yearsbutnotexceeding5years 35% Exceeding5yearbutnotexceeding10years 40% Exceeding10years 50% The Companyshallnotbeliabletomakeanypaymentinrespectof: (a)consequentialloss,depreciation,wearandtear,mechanicalorelectricalbreakdown,failuresorbreakages; (b)damagetotyresandtubesunlessthevehicleisdamagedatthesametimeinwhichcasetheliabilityofthecompanyshallbelimitedto50%ofthecostofreplacement,and (c)anyaccidentallossordamagesufferedwhilsttheinsuredoranypersondrivingthevehiclewiththeknowledgeandconsentoftheinsuredisundertheinfluenceofintoxicatingliquorordrugs.Intheeventofthevehiclebeingdisabledbyreasonoflossordamage coveredunderthis Policythe Companywillbearthereasonablecostofprotectionandremovaltothenearestrepairerandredeliverytotheinsuredbutnotexceedinginall Rs.1500/-inrespectofanyoneaccident. Theinsuredmayauthorisetherepairofthevehiclenecessitatedbydamageforwhichthe Companymaybeliableunderthis Policyprovidedthat: a)theestimatedcostofsuchrepairincludingreplacements,ifanydoesnotexceed Rs.500/-; b)the Companyisfurnishedforthwithwithadetailedestimateofthecostofrepairs;and c)theinsuredshallgivethe Companyeveryassistancetoseethatsuchrepairisnecessaryandthechargesarereasonable.. SUMINSURED-INSURED'SDECLAREDVALUE(IDV) The Insured's Declared Value(IDV)ofthevehiclewillbedeemedtobethe'SUMINSURED'forthepurposeofthispolicywhichisfixedatthecommencementofeachpolicyperiodfortheinsuredvehicle. The ID Vofthevehicle(andaccessoriesifanyfittedtothevehicle)istobefixedonthebasisofthemanufacturer'slistedsellingpriceofthebrandandmodelasthevehicleinsuredatthecommencementofinsurance/renewalandadjustedfordepreciation(asper schedulebelow). Theinsuredvehicleshallbetreatedasa CT Liftheaggregatecostofretrievaland/orrepairofthevehicle,subjecttotermsandconditionsofthepolicy,exceeds75%ofthe ID Vofthevehicle. Theage-wisedepreciationwillbeasmentionedinthescheduleinthe'IDVTABLE'. Thisvaluewillbeapplicableforthepurposeoftotalloss/CTL. AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV Notexceeding6months 5% Exceeding6monthsbutnotexceeding1year 15% Exceeding1yearbutnotexceeding2years 20% Exceeding2yearsbutnotexceeding3years 30% Exceeding3yearsbutnotexceeding4years 40% Exceeding4yearsbutnotexceeding5years 50% ID Vshallbetreatedasthe'Market Value'throughoutthepolicyperiodwithoutanyfurtherdepreciationforthepurposeof Total Loss(TL)/Constructive Total Loss(CTL)claims. \u25a0LIABILITYTOTHIRDPARTIES 1.Subjecttothelimitsofliabilityaslaiddowninthe Scheduleheretothe Companywillindemnifytheinsuredintheeventofanaccidentcausedbyorarisingoutoftheuseoftheinsuredvehicleagainstallsumswhichtheinsuredshallbecomelegallyliabletopayin respectof:- a)deathoforbodilyinjurytoanypersonincludingoccupantscarriedintheinsuredvehicle(providedsuchoccupantsarenotcarriedforhireorreward)butexceptsofarasitisnecessarytomeettherequirementsof Motor Vehicles Act,the Companyshallnotbeliable wheresuchdeathorinjuryarisesoutofandinthecourseoftheemploymentofsuchpersonbytheinsured. b)damagetopropertyotherthanpropertybelongingtotheinsuredorheldintrustorinthecustodyorcontroloftheinsured. PROVIDEDALWAY Sthatthecompanyshallnotbeliableinrespectofdeathinjuryordamagecausedorarisingbeyondthelimitsofanycarriagewayorthoroughfareinconnectionwiththebringingoftheloadtothevehicleforloadingthereonorthetakingawayof theloadfromthevehicleafterunloadingtherefrom. 2.The Companywillpayallcostsandexpensesincurredwithitswrittenconsent. 3.Intermsofandsubjecttothelimitationsoftheindemnitygrantedbythissectiontotheinsured,the Companywillindemnifyanydriverwhoisdrivingthevehicleontheinsured'sorderorwithinsured'spermissionprovidedthatsuchdrivershallasthoughhe/shewas theinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply. 4.Intheeventofthedeathofanypersonentitledtoindemnityunderthispolicythe Companywillinrespectoftheliabilityincurredbysuchpersonindemnifyhis/herpersonalrepresentativeintermsofandsubjecttothelimitationsofthis Policyprovidedthatsuch personalrepresentativeshallasthoughsuchrepresentativewastheinsuredobservefulfillandbesubjecttothetermsexceptionsandconditionsofthis Policyinsofarastheyapply 5.The Companymayatitsownoption a)arrangeforrepresentationatany Inquestor Fatal Inquiryinrespectofanydeathwhichmaybethesubjectofi"}, {"page": 3, "text": "(ii)Lossoftwolimbsorsightoftwoeyesoronelimbandsightofoneeye 100% (iii)Lossofonelimborsightofoneeye 50% (iv)Permanenttotaldisablementfrominjuriesotherthannamedabove. 100% Providedalwaysthat a)compensationshallbepayableunderonlyoneoftheitems(i)to(iv)aboveinrespectoftheowner-driverarisingoutofanyoneoccurrenceandthetotalliabilityoftheinsurershallnotintheaggregateexceedthesumof Rs.1500000duringanyoneperiodof insurance. b)nocompensationshallbepayableinrespectofdeathorbodilyinjurydirectlyorindirectlywhollyorinpartarisingorresultingfromortraceableto(1)intentionalselfinjurysuicideorattemptedsuicidephysicaldefectorinfirmityor(2)anaccidenthappeningwhilst suchpersonisundertheinfluenceofintoxicatingliquorordrugs. c)Suchcompensationshallbepayabledirectlytotheinsuredortohis/herlegalrepresentativeswhosereceiptshallbethefulldischargeinrespectoftheinjurytotheinsured. Thiscoverissubjectto i)theowner-driveristheregisteredownerofthevehicleinsuredherein; ii)theowner-driveristheinsurednamedinthispolicy iii)theowner-driverholdsoneffectivedrivinglicense,inaccordancewiththeprovisionsof Rule3ofthe Central Motor Vehicles Rules,1989,atthetimeoftheaccident. GENERALEXCEPTIONS(Applicabletoall Sectionsofthe Policy) The Companyshallnotbeliableunderthis Policyinrespectof 1.anyaccidentallossordamageand/orliabilitycausedsustainedorincurredoutsidethegeographicalarea; 2.anyclaimarisingoutofanycontractualliability; 3.anyaccidentallossdamageand/orliabilitycausedsustainedorincurredwhilstthevehicleinsuredhereinis a)beingusedotherwisethaninaccordancewiththe'Limitationsasto Use'or b)beingdrivenbyorisforthepurposeofbeingdrivenbyhim/herinthechargeofanypersonotherthana Driverasstatedinthe Drivers'Clause. 4.a)Anyaccidentallossordamagetoanypropertywhatsoeveroranylossorexpensewhatsoeverresultingorarisingtherefromoranyconsequentialloss b)anyliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorcontributedtobyorarisingfromionisingradiationsorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclearfuel.Forthepurposeofthis exceptioncombustionshallincludeanyself-sustainingprocessofnuclearfission. 5.Anyaccidentallossordamageorliabilitydirectlyorindirectlycausedbyorcontributedtobyorarisingfromnuclearweaponsmaterial. 6.Anyaccidentallossdamageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasionedbycontributedtobyortraceabletoorarisingoutoforinconnectionwithwar,invasion,theactofforeignenemies,hostilitiesorwarlikeoperations(whether beforeorafterdeclarationofwar)civilwar,mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequenceofanyofthesaidoccurrencesandintheeventofanyclaimhereundertheinsuredshallprovethattheaccidentallossdamageand/or liabilityaroseindependentlyofandwasinnowayconnectedwithoroccasionedbyorcontributedtobyortraceabletoanyofthesaidoccurrencesoranyconsequencesthereofandindefaultofsuchproof,the Companyshallnotbeliabletomakeanypaymentinrespect ofsuchaclaim. DEDUCTIBLE The Companyshallnotbeliableforeachandeveryclaimunder Own Damage Section(lossofordamagetothevehicleinsured)ofthis Policyinrespectofthedeductiblestatedintheschedule. CONDITIONS This Policyandthe Scheduleshallbereadtogetherandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthispolicyorofthe Scheduleshallbearthesomemeaningwhereveritmayappear. 1.Noticeshallbegiveninwritingtothe Companyimmediatelyupontheoccurrenceofanyaccidentallossordamageintheeventofanyclaimandthereaftertheinsuredshallgiveallsuchinformationandassistanceasthe Companyshallrequire.Everyletterclaimwrit summonsand/orprocessorcopythereofshallbeforwardedtothe Companyimmediatelyonreceiptbytheinsured.Noticeshallalsobegivenin.writingtothe Companyimmediatelytheinsuredshallhaveknowledgeofanyimpendingprosecution,inquestorfatal inquiryinrespectofanyoccurrencewhichmaygiverisetoaclaimunderthis Policy Incaseoftheftorcriminalactwhichmaybethesubjectofaclaimunderthis Policytheinsuredshallgiveimmediatenoticetothepoliceandco-operatewiththe Companyinsecuring theconvictionoftheoffender 2.Noadmissionofferpromisepaymentorindemnityshallbemadeorgivenbyoronbehalfoftheinsuredwithoutthewrittenconsentofthe Companywhichshallbeentitledifitsodesirestotakeoverandconductinthenameoftheinsuredthedefenceorsettlementof anyclaimortoprosecuteinthenameoftheinsuredforitsownbenefitanyclaimforindemnityorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheinsuredshallgiveallsuchinformationandassistance asthe Companymayrequire. 3.The Companymayatitsownoptionrepairreinstateorreplacethevehicleorpartthereofand/oritsaccessoriesormaypayincashtheamountofthelossordamageandtheliabilityofthe Companyshallnotexceed: a)fortotalloss/constructivetotallossofthevehicle-the Insured's Declared Value(IDV)ofthevehicle(includingaccessoriesthereon)asspecifiedinthe Schedulelessthevalueofthewreck. b)forpartiallosses,i.e.lossesotherthan Total Loss/Constructive Total Lossofthevehicle-actualandreasonablecostsofrepairand/orreplacementofpartslost/damagedsubjecttodepreciationasperlimitsspecified 4.Theinsuredshalltakeallreasonablestepstosafeguardthevehiclefromlossordamageandtomaintainitinefficientconditionandthe Companyshallhaveatalltimesfreeandfullaccesstoexaminethevehicleoranypartthereoforanydriveroremployeeofthe insured.Intheeventofanyaccidentorbreakdown,thevehicleshallnotbeleftunattendedwithoutproperprecautionsbeingtakentopreventfurtherdamageorlossandifthevehiclebedrivenbeforethenecessaryrepairsareeffectedanyextensionofthedamageorany furtherdamagetothevehicleshallbeentirelyattheinsured'sownrisk. 5.The Companymaycancelthepolicybysendingsevendaysnoticebyrecordeddeliverytotheinsuredatinsured'slastknownaddressandinsucheventwillreturntotheinsuredthepremiumpaidlesstheprorataportionthereoffortheperiodthe Policyhasbeenin forceorthepolicymaybecancelledatanytimebytheinsuredonsevenday'snoticebyrecordeddeliveryandprovidednoclaimhasarisenduringthecurrencyofthepolicy,theinsuredshallbeentitledtoareturnofpremiumlesspremiumatthe Company's Short Periodratesfortheperiodthe Policyhasbeeninforce.Returnofthepremiumbythecompanywillbesubjecttoretentionoftheminimumpremiumof Rs.100/-(or Rs.25/-inrespectofvehiclesspecificallydesigned/modifiedforusebyblind/handicapped/mentally challengedpersons).Wheretheownershipofthevehicleistransferred,thepolicycannotbecancelledunlessevidencethatthevehicleisinsuredelsewhereisproduced. 6.Ifatthetimeofoccurrenceofaneventthatgivesrisetoanyclaimunderthispolicythereisinexistenceanyotherinsurancecoveringthesameliabilitythe Companyshallnotbeliabletopayorcontributemorethanitsrateableproportionofanycompensation,costor expense. 7.Ifanydisputeordifferenceshallariseastothequantumtobepaidunderthispolicy[liabilitybeingotherwiseadmitted),suchdifferenceshallindependentofallotherquestionsbereferredtothedecisionofasolearbitratortobeappointedinwritingbythepartiesto thedisputeoriftheycannotagreeuponasinglearbitratorwithin30daysofanypartyinvoking Arbitration,thesomeshallbereferredtoapanelofthreearbitratorscomprisingtwoarbitratorsonetobeappointedbyeachofthepartiestothedispute/difference,anda thirdarbitratortobeappointedbysuchtwoarbitratorswhoshallactasthepresidingarbitratorand Arbitrationsshallbeconductedunderandinaccordancewiththeprovisionsofthe Arbitrationand Conciliation Act,1996.Itisclearlyagreedandunderstoodthatno differenceordisputeshallbereferableto Arbitrationashereinbeforeprovided,ifthe Companyhasdisputedornotacceptedliabilityunderorinrespectofthispolicy.Itisherebyexpresslystipulatedanddeclaredthatitshallbeconditionprecedenttoanyrightofaction orsuituponthispolicythattheawardbysucharbitrator/arbitratorsoftheamountofthelossordamageshallbefirstobtained.Itisalsoherebyfurtherexpresslyagreedanddeclaredthatifthe Companyshalldisclaimliabilitytotheinsuredforanyclaimhereunderand suchclaimshallnot,withintwelvecalendarmonthsfromthedateofsuchdisclaimerhavebeenmadethesubjectmatterofasuitinacourtoflaw,thentheclaimshallforallpurposesbedeemedtohavebeenabandonedandshallnotthereafterberecoverablehereunder. 8.Thedueobservanceandfulfilmentoft"}], "page_count": 3, "text_source": "native", "ocr_engine": null, "is_scanned": false, "lab_mode": true}


