# extraction_results

original_filename: IFFCO TOKIO PCP_MX410266.pdf
status: SUCCESS
storage_path: uploads\1\4df9a208529d4fec9c7cafab9cc034b6_IFFCO TOKIO PCP_MX410266.pdf
created_at: 2026-06-28 01:11:56
updated_at: 2026-06-28 01:11:56
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"}, {"field_name": "pincode", "value": "124001", "confidence": 0.94, "source_page": 1, "source": "learned_example"}, {"field_name": "address", "value": "H.NO 1337/1 NEAR ARYAN SCHOOL SURYA NAGAR", "confidence": 0.94, "source_page": 1, "source": "learned_example"}, {"field_name": "customer_name", "value": "JITENDER", "confidence": 0.94, "source_page": 1, "source": "learned_example"}], "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_MX410266.pdf
status: SUCCESS
storage_path: uploads\1\f75b7b3e1e41438eb9961c7feb7a6f9b_IFFCO TOKIO PCP_MX410266.pdf
created_at: 2026-06-28 01:23:47
updated_at: 2026-06-28 01:23:47
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": "customer_name", "value": "JITENDER", "confidence": 0.94, "source_page": 1, "source": "learned_example"}, {"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": "engine_number", "value": "D3FAFM390112", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "HR51BJ0426", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "manufacturing_year", "value": "2015", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "chassis_number", "value": "MALA841DLFM131917*H", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "HYUNDAI XCENT 1.2 CRDI E PLUS", "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": "pincode", "value": "124001", "confidence": 0.94, "source_page": 1, "source": "learned_example"}, {"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"}, {"field_name": "address", "value": "H.NO 1337/1 NEAR ARYAN SCHOOL SURYA NAGAR", "confidence": 0.94, "source_page": 1, "source": "learned_example"}], "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_MX410266.pdf
status: SUCCESS
storage_path: uploads\1\bcd21ec3534f493a9184f71cfd83daa3_IFFCO TOKIO PCP_MX410266.pdf
created_at: 2026-06-28 01:27:26
updated_at: 2026-06-28 01:27:26
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": "customer_name", "value": "JITENDER", "confidence": 0.94, "source_page": 1, "source": "learned_example"}, {"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": "engine_number", "value": "D3FAFM390112", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "HR51BJ0426", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "manufacturing_year", "value": "2015", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "chassis_number", "value": "MALA841DLFM131917*H", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "HYUNDAI XCENT 1.2 CRDI E PLUS", "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": "XXXXXXX413", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "pincode", "value": "124001", "confidence": 0.94, "source_page": 1, "source": "learned_example"}, {"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"}, {"field_name": "address", "value": "H.NO 1337/1 NEAR ARYAN SCHOOL SURYA NAGAR", "confidence": 0.94, "source_page": 1, "source": "learned_example"}], "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_MX410266.pdf
status: SUCCESS
storage_path: uploads\1\30c52c45cb574b75900db4e63ee07db0_IFFCO TOKIO PCP_MX410266.pdf
created_at: 2026-06-28 01:35:02
updated_at: 2026-06-28 01:35:02
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": "customer_name", "value": "JITENDER", "confidence": 0.94, "source_page": 1, "source": "learned_example"}, {"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": "engine_number", "value": "D3FAFM390112", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_registration_number", "value": "HR51BJ0426", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "manufacturing_year", "value": "2015", "confidence": 0.88, "source_page": null, "source": "extracted"}, {"field_name": "chassis_number", "value": "MALA841DLFM131917*H", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "vehicle_make", "value": "HYUNDAI XCENT 1.2 CRDI E PLUS", "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": "XXXXXXX413", "confidence": 0.94, "source_page": null, "source": "extracted"}, {"field_name": "address", "value": "H.NO 1337/1 NEAR ARYAN SCHOOL SURYA NAGAR", "confidence": 0.94, "source_page": 1, "source": "learned_example"}, {"field_name": "city", "value": "ROHTAK", "confidence": 0.92, "source_page": null, "source": "extracted"}, {"field_name": "state", "value": "HARYANA", "confidence": 0.92, "source_page": null, "source": "extracted"}, {"field_name": "pincode", "value": "124001", "confidence": 0.94, "source_page": 1, "source": "learned_example"}, {"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}


# parser_corrections

company_code: icici_lombard
parser_key: icici_lombard
original_filename: ICICI Policy.pdf
created_at: 2026-06-26 07:42:48
updated_at: 2026-06-26 07:42:48
fields:
  [{"field_name": "customer_name", "extracted_value": "JASWANTI Period of Insurance Jan", "corrected_value": "JASWANTI", "was_corrected": true}, {"field_name": "mobile_number", "extracted_value": "9812878250", "corrected_value": "9812878250", "was_corrected": false}, {"field_name": "email_address", "extracted_value": "usatcustomersupport@icicilombard.com", "corrected_value": "usatcustomersupport@icicilombard.com", "was_corrected": false}, {"field_name": "nominee_name", "extracted_value": "Name", "corrected_value": "Name", "was_corrected": false}, {"field_name": "address", "extracted_value": null, "corrected_value": "VPO PAHRAWAR 69 DISTT ROHTAK, HARYANA", "was_corrected": true}, {"field_name": "city", "extracted_value": "HARYANA", "corrected_value": "ROHTAK", "was_corrected": true}, {"field_name": "state", "extracted_value": null, "corrected_value": "HARYANA", "was_corrected": true}, {"field_name": "pincode", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_registration_number", "extracted_value": "HR12AH0367", "corrected_value": "HR12AH0367", "was_corrected": false}, {"field_name": "engine_number", "extracted_value": "JF50E87108526", "corrected_value": "JF50E87108526", "was_corrected": false}, {"field_name": "chassis_number", "extracted_value": "ME4JF50AHJ8108460", "corrected_value": "ME4JF50AHJ8108460", "was_corrected": false}, {"field_name": "vehicle_make", "extracted_value": "Model Type of Body CC/KW Mfg Yr", "corrected_value": "Model Type of Body CC/KW Mfg Yr", "was_corrected": false}, {"field_name": "vehicle_model", "extracted_value": "HONDA MOTORCYCLE / ACTIVA 5G STD RTO City", "corrected_value": "HONDA MOTORCYCLE / ACTIVA 5G STD RTO City", "was_corrected": false}, {"field_name": "fuel_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "manufacturing_year", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_number", "extracted_value": "3005/324042554/00/000", "corrected_value": "3005/324042554/00/000", "was_corrected": false}, {"field_name": "policy_type", "extracted_value": "MOTOR", "corrected_value": "MOTOR", "was_corrected": false}, {"field_name": "coverage_type", "extracted_value": "third_party", "corrected_value": "third_party", "was_corrected": false}, {"field_name": "policy_start_date", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_end_date", "extracted_value": "03-01-2024", "corrected_value": "03-01-2024", "was_corrected": false}, {"field_name": "premium_amount", "extracted_value": "538.00", "corrected_value": "538.00", "was_corrected": false}, {"field_name": "idv", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "ncb", "extracted_value": "20%", "corrected_value": "20%", "was_corrected": false}]


company_code: bajaj_allianz
parser_key: bajaj_allianz
original_filename: UNITED INDIA INSURANCE DOC-20231107-WA0075..pdf
created_at: 2026-06-26 08:22:16
updated_at: 2026-06-26 08:22:16
fields:
  [{"field_name": "customer_name", "extracted_value": null, "corrected_value": "MR RAMESH", "was_corrected": true}, {"field_name": "mobile_number", "extracted_value": "9812878250", "corrected_value": "9812878250", "was_corrected": false}, {"field_name": "email_address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "nominee_name", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "address", "extracted_value": null, "corrected_value": "S/O SH DHARMVEER R/O 377/35 JANTA COLONY ROHTAK HR", "was_corrected": true}, {"field_name": "city", "extracted_value": null, "corrected_value": "ROHTAK", "was_corrected": true}, {"field_name": "state", "extracted_value": null, "corrected_value": "HARYANA", "was_corrected": true}, {"field_name": "pincode", "extracted_value": null, "corrected_value": "124001", "was_corrected": true}, {"field_name": "vehicle_registration_number", "extracted_value": null, "corrected_value": "HR - 46 - D - 9076", "was_corrected": true}, {"field_name": "engine_number", "extracted_value": "Chassis", "corrected_value": "S5H8456992", "was_corrected": true}, {"field_name": "chassis_number", "extracted_value": null, "corrected_value": "MBX0000ZFTH136986", "was_corrected": true}, {"field_name": "vehicle_make", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_model", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_type", "extracted_value": "private_car", "corrected_value": "private_car", "was_corrected": false}, {"field_name": "fuel_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "manufacturing_year", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_number", "extracted_value": null, "corrected_value": "1119013123P109630122", "was_corrected": true}, {"field_name": "policy_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "coverage_type", "extracted_value": "third_party", "corrected_value": "third_party", "was_corrected": false}, {"field_name": "policy_start_date", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_end_date", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "premium_amount", "extracted_value": "6474.00", "corrected_value": "6474.00", "was_corrected": false}, {"field_name": "idv", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "ncb", "extracted_value": null, "corrected_value": "", "was_corrected": false}]


company_code: bajaj_allianz
parser_key: bajaj_allianz
original_filename: UNITED INDIA INSURANCE DOC-20231107-WA0075..pdf
created_at: 2026-06-26 08:28:52
updated_at: 2026-06-26 08:28:52
fields:
  [{"field_name": "customer_name", "extracted_value": null, "corrected_value": "MR RAMESH", "was_corrected": true}, {"field_name": "mobile_number", "extracted_value": "9812878250", "corrected_value": "9812878250", "was_corrected": false}, {"field_name": "email_address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "nominee_name", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "address", "extracted_value": null, "corrected_value": "S/O SH DHARMVEER R/O 377/35 JANTA COLONY ROHTAK HR", "was_corrected": true}, {"field_name": "city", "extracted_value": null, "corrected_value": "ROHTAK", "was_corrected": true}, {"field_name": "state", "extracted_value": null, "corrected_value": "HARYANA", "was_corrected": true}, {"field_name": "pincode", "extracted_value": null, "corrected_value": "124001", "was_corrected": true}, {"field_name": "vehicle_registration_number", "extracted_value": null, "corrected_value": "HR - 46 - D - 9076", "was_corrected": true}, {"field_name": "engine_number", "extracted_value": "Chassis", "corrected_value": "S5H8456992", "was_corrected": true}, {"field_name": "chassis_number", "extracted_value": null, "corrected_value": "MBX0000ZFTH136986", "was_corrected": true}, {"field_name": "vehicle_make", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_model", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_type", "extracted_value": "private_car", "corrected_value": "private_car", "was_corrected": false}, {"field_name": "body_type", "extracted_value": null, "corrected_value": "AUTO RICKSHAW", "was_corrected": true}, {"field_name": "fuel_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "manufacturing_year", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_number", "extracted_value": null, "corrected_value": "1119013123P109630122", "was_corrected": true}, {"field_name": "policy_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "coverage_type", "extracted_value": "third_party", "corrected_value": "third_party", "was_corrected": false}, {"field_name": "policy_start_date", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_end_date", "extracted_value": null, "corrected_value": "08/11/2023", "was_corrected": true}, {"field_name": "premium_amount", "extracted_value": "6474.00", "corrected_value": "6474.00", "was_corrected": false}, {"field_name": "idv", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "ncb", "extracted_value": null, "corrected_value": "", "was_corrected": false}]


company_code: united_india
parser_key: united_india
original_filename: united india 1112063123P109639292.pdf
created_at: 2026-06-26 08:33:43
updated_at: 2026-06-26 08:33:43
fields:
  [{"field_name": "customer_name", "extracted_value": "MR SUNIL", "corrected_value": "MR SUNIL", "was_corrected": false}, {"field_name": "mobile_number", "extracted_value": "8398022939", "corrected_value": "8398022939", "was_corrected": false}, {"field_name": "email_address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "nominee_name", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "city", "extracted_value": null, "corrected_value": "ROHTAK", "was_corrected": true}, {"field_name": "state", "extracted_value": null, "corrected_value": "HARYANA", "was_corrected": true}, {"field_name": "pincode", "extracted_value": null, "corrected_value": "124001", "was_corrected": true}, {"field_name": "vehicle_registration_number", "extracted_value": null, "corrected_value": "HR - 46 - E - 3287", "was_corrected": true}, {"field_name": "engine_number", "extracted_value": null, "corrected_value": "S6K8631065", "was_corrected": true}, {"field_name": "chassis_number", "extracted_value": null, "corrected_value": "MBX0000ZFUK372471", "was_corrected": true}, {"field_name": "vehicle_make", "extracted_value": "Type of Body", "corrected_value": "RIKSHAW", "was_corrected": true}, {"field_name": "vehicle_model", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_type", "extracted_value": "private_car", "corrected_value": "private_car", "was_corrected": false}, {"field_name": "body_type", "extracted_value": "YEAR OF MFG", "corrected_value": "YEAR OF MFG", "was_corrected": false}, {"field_name": "fuel_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "manufacturing_year", "extracted_value": null, "corrected_value": "02/05/2017 ", "was_corrected": true}, {"field_name": "policy_number", "extracted_value": "1112063123P109639292", "corrected_value": "1112063123P109639292", "was_corrected": false}, {"field_name": "policy_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "coverage_type", "extracted_value": "third_party", "corrected_value": "third_party", "was_corrected": false}, {"field_name": "policy_start_date", "extracted_value": "08/11/2023", "corrected_value": "08/11/2023", "was_corrected": false}, {"field_name": "policy_end_date", "extracted_value": "07/11/2024", "corrected_value": "07/11/2024", "was_corrected": false}, {"field_name": "premium_amount", "extracted_value": "8115.00", "corrected_value": "8115.00", "was_corrected": false}, {"field_name": "idv", "extracted_value": "100000", "corrected_value": "100000", "was_corrected": false}, {"field_name": "ncb", "extracted_value": null, "corrected_value": "", "was_corrected": false}]


company_code: iffco_tokio
parser_key: iffco_tokio
original_filename: IFFCO TOKIO PCP_MX915280.pdf
created_at: 2026-06-26 08:59:14
updated_at: 2026-06-26 08:59:14
fields:
  [{"field_name": "customer_name", "extracted_value": "VILLAGE KAKRANA DISTT", "corrected_value": "KRISHAN KUMAR", "was_corrected": true}, {"field_name": "mobile_number", "extracted_value": "9817831766", "corrected_value": "XXXXXXX981", "was_corrected": true}, {"field_name": "email_address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "nominee_name", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "address", "extracted_value": null, "corrected_value": " VILLAGE KAKRANA DISTT ROHTAK ROHTAK", "was_corrected": true}, {"field_name": "city", "extracted_value": null, "corrected_value": "ROHTAK", "was_corrected": true}, {"field_name": "state", "extracted_value": null, "corrected_value": "HARYANA", "was_corrected": true}, {"field_name": "pincode", "extracted_value": null, "corrected_value": "124001", "was_corrected": true}, {"field_name": "vehicle_registration_number", "extracted_value": "HR12AF6971", "corrected_value": "HR12AF6971", "was_corrected": false}, {"field_name": "engine_number", "extracted_value": "Seating", "corrected_value": "G4LAHM705606", "was_corrected": true}, {"field_name": "chassis_number", "extracted_value": null, "corrected_value": "MALA851CLHM765193", "was_corrected": true}, {"field_name": "vehicle_make", "extracted_value": "Package", "corrected_value": "Package", "was_corrected": false}, {"field_name": "vehicle_model", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_type", "extracted_value": "private_car", "corrected_value": "private_car", "was_corrected": false}, {"field_name": "body_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "fuel_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "manufacturing_year", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_number", "extracted_value": "1-350UB24J", "corrected_value": "1-350UB24J", "was_corrected": false}, {"field_name": "policy_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "coverage_type", "extracted_value": "third_party", "corrected_value": "third_party", "was_corrected": false}, {"field_name": "policy_start_date", "extracted_value": "05/01/2024", "corrected_value": "05/01/2024", "was_corrected": false}, {"field_name": "policy_end_date", "extracted_value": "04/01/2025", "corrected_value": " 04/01/2025", "was_corrected": false}, {"field_name": "premium_amount", "extracted_value": "11820.77", "corrected_value": "11820.77", "was_corrected": false}, {"field_name": "idv", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "ncb", "extracted_value": null, "corrected_value": "", "was_corrected": false}]


company_code: iffco_tokio
parser_key: iffco_tokio
original_filename: IFFCO TOKIO PCP_MX410266.pdf
created_at: 2026-06-26 09:02:09
updated_at: 2026-06-26 09:02:09
fields:
  [{"field_name": "customer_name", "extracted_value": null, "corrected_value": "JITENDER", "was_corrected": true}, {"field_name": "mobile_number", "extracted_value": "8398022939", "corrected_value": "XXXXXXX413", "was_corrected": true}, {"field_name": "email_address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "nominee_name", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "address", "extracted_value": null, "corrected_value": " H.NO 1337/1 NEAR ARYAN SCHOOL SURYA NAGAR", "was_corrected": true}, {"field_name": "city", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "state", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "pincode", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_registration_number", "extracted_value": "IN-0S0", "corrected_value": "HR51BJ0426", "was_corrected": true}, {"field_name": "engine_number", "extracted_value": "Seating", "corrected_value": "D3FAFM390112", "was_corrected": true}, {"field_name": "chassis_number", "extracted_value": null, "corrected_value": "MALA841DLFM131917", "was_corrected": true}, {"field_name": "vehicle_make", "extracted_value": "Package", "corrected_value": "Package", "was_corrected": false}, {"field_name": "vehicle_model", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_type", "extracted_value": "private_car", "corrected_value": "private_car", "was_corrected": false}, {"field_name": "body_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "fuel_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "manufacturing_year", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_number", "extracted_value": "1-3362U49J", "corrected_value": "1-3362U49J", "was_corrected": false}, {"field_name": "policy_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "coverage_type", "extracted_value": "third_party", "corrected_value": "third_party", "was_corrected": false}, {"field_name": "policy_start_date", "extracted_value": "30/11/2023", "corrected_value": "30/11/2023", "was_corrected": false}, {"field_name": "policy_end_date", "extracted_value": "29/11/2024", "corrected_value": "29/11/2024", "was_corrected": false}, {"field_name": "premium_amount", "extracted_value": "6880.24", "corrected_value": "6880.24", "was_corrected": false}, {"field_name": "idv", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "ncb", "extracted_value": null, "corrected_value": "", "was_corrected": false}]


company_code: iffco_tokio
parser_key: iffco_tokio
original_filename: IFFCO TOKIO PCP_MX915280.pdf
created_at: 2026-06-26 09:34:51
updated_at: 2026-06-26 09:34:51
fields:
  [{"field_name": "customer_name", "extracted_value": "VILLAGE KAKRANA DISTT", "corrected_value": "KRISHAN KUMAR ", "was_corrected": true}, {"field_name": "mobile_number", "extracted_value": "9817831766", "corrected_value": "XXXXXXX981", "was_corrected": true}, {"field_name": "email_address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "nominee_name", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "city", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "state", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "pincode", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_registration_number", "extracted_value": "HR12AF6971", "corrected_value": "HR12AF6971", "was_corrected": false}, {"field_name": "engine_number", "extracted_value": "Seating", "corrected_value": "Seating", "was_corrected": false}, {"field_name": "chassis_number", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_make", "extracted_value": "Package", "corrected_value": "Package", "was_corrected": false}, {"field_name": "vehicle_model", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_type", "extracted_value": "private_car", "corrected_value": "private_car", "was_corrected": false}, {"field_name": "body_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "fuel_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "manufacturing_year", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_number", "extracted_value": "1-350UB24J", "corrected_value": "1-350UB24J", "was_corrected": false}, {"field_name": "policy_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "coverage_type", "extracted_value": "third_party", "corrected_value": "third_party", "was_corrected": false}, {"field_name": "policy_start_date", "extracted_value": "05/01/2024", "corrected_value": "05/01/2024", "was_corrected": false}, {"field_name": "policy_end_date", "extracted_value": "04/01/2025", "corrected_value": "04/01/2025", "was_corrected": false}, {"field_name": "premium_amount", "extracted_value": "11820.77", "corrected_value": "11820.77", "was_corrected": false}, {"field_name": "idv", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "ncb", "extracted_value": null, "corrected_value": "", "was_corrected": false}]


company_code: iffco_tokio
parser_key: iffco_tokio
original_filename: IFFCO TOKIO PCP_MX410266.pdf
created_at: 2026-06-28 00:25:51
updated_at: 2026-06-28 00:25:51
fields:
  [{"field_name": "customer_name", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "mobile_number", "extracted_value": "8398022939", "corrected_value": "8398022939", "was_corrected": false}, {"field_name": "email_address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "nominee_name", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "address", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "city", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "state", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "pincode", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_registration_number", "extracted_value": "IN-0S0", "corrected_value": "IN-0S0", "was_corrected": false}, {"field_name": "engine_number", "extracted_value": "Seating", "corrected_value": "Seating", "was_corrected": false}, {"field_name": "chassis_number", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_make", "extracted_value": "Package", "corrected_value": "Package", "was_corrected": false}, {"field_name": "vehicle_model", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "vehicle_type", "extracted_value": "private_car", "corrected_value": "private_car", "was_corrected": false}, {"field_name": "body_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "fuel_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "manufacturing_year", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "policy_number", "extracted_value": "1-3362U49J", "corrected_value": "1-3362U49J", "was_corrected": false}, {"field_name": "policy_type", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "coverage_type", "extracted_value": "third_party", "corrected_value": "third_party", "was_corrected": false}, {"field_name": "policy_start_date", "extracted_value": "30/11/2023", "corrected_value": "30/11/2023", "was_corrected": false}, {"field_name": "policy_end_date", "extracted_value": "29/11/2024", "corrected_value": "29/11/2024", "was_corrected": false}, {"field_name": "premium_amount", "extracted_value": "6880.24", "corrected_value": "6880.24", "was_corrected": false}, {"field_name": "idv", "extracted_value": null, "corrected_value": "", "was_corrected": false}, {"field_name": "ncb", "extracted_value": null, "corrected_value": "", "was_corrected": false}]


