This document is an insurance certificate and policy schedule for a private car owned by Mr. Harshavardhan. It provides details of the insured such as name, address, vehicle details including make, model, registration number, IDV value. It specifies the period of insurance and premium details for own damage and third party liability cover. It lists the main covers and exclusions of the policy and what to do in case of a claim. It also provides frequently asked questions about what is covered, exclusions and the claims process.
This document is an insurance certificate and policy schedule for a private car owned by Mr. Harshavardhan. It provides details of the insured such as name, address, vehicle details including make, model, registration number, IDV value. It specifies the period of insurance and premium details for own damage and third party liability cover. It lists the main covers and exclusions of the policy and what to do in case of a claim. It also provides frequently asked questions about what is covered, exclusions and the claims process.
This document is an insurance certificate and policy schedule for a private car owned by Mr. Harshavardhan. It provides details of the insured such as name, address, vehicle details including make, model, registration number, IDV value. It specifies the period of insurance and premium details for own damage and third party liability cover. It lists the main covers and exclusions of the policy and what to do in case of a claim. It also provides frequently asked questions about what is covered, exclusions and the claims process.
Policy No !"#!!$$"#"%&'!$$$$$ Pri(ate )*o +heeler Pac,a-e Policy Insured Name .r )irumandym Harsha(ardhan R)O TIRUPATHI Correspondence /ddress H.No:6-1-83/A , VARADHARAJA NAGAR, TIRUPATHI,ANDHRA PRADESH Re-istration /ddress H.No:6-1-83/A , VARADHARAJA NAGAR, TIRUPATHI, ANDHRA PRADESH .o0ile 8885123457 Phone E .ail Re-istration No AP-03-AT-7284 Period of Insurance Fo! D"#$ % T&!$ 21/10/2013 00:01'( To D"#$ % T&!$ 20/10/2014 )&*+&,'# Policy Issuance Date 21/10/2013 .a,e .odel 1 2ariant En-ine No Chassis No .f- 3r Seats 4ody )ype CC HER- SP.END-R/0DRU)1 HA10EF2HH46 536 )2.HA10E32HH54671 2011 2 S-.- 47 Insured5s Declared 2alue 6ID27 2ehicle )railer Non Electrical /cc Electrical /cc CNG8LPG 9it )otal ID2 18,000 0 0 0 0 18,000 Named Persons : Nominee Nominee 6O*ner Dri(er7 /ppointee Hypothecated6I.)1&7 *ith;HDFC 4/N9 L)D<Hydera0ad Premium Details ( ) Own Damage Premium (a) Liability Premium (b) Basic Own Damage 262 Basic Third Party Liability 250 Total Basic Premium Add on Coverages Zero Depreciation Emergency ssistance Total - Add on 562 !00 "50 #60 LL to Paid Dri$er %&'T(2#) P *o$er +or Owner Dri$er o+ ,5000
Net Liability Premium (b) Total Pacage Premium (a!b) -er$ice Ta. %&ncl/ding Ed/cation *ess 0 1igher Ed/cation *ess2 where$er applicable) 5 0 !00 525 620 55 Net Own Damage Premium (a) !2,3 Total Premium !2,3 "eogra#$ical Area &ndia Com#ulsory Deductible (%&T-'') !000400 (oluntary Deductible (%&T-''A) 0 Payment Details) *he5/e 6o4 2,!,63 Dated ) !78!0820!" Drawn on 1d+c Ban9 Ltd Previous Policy No* !#0!,!2"!!0023!2 (alid +rom 2!8!0820!2 to 208!0820!"2 o + :EL&6*E No Claim Bonus 0 ; &+ declaration +o/nd incorrect2 bene+its /nder the present policy in respect o+ own damage section will stand +or+eited4 List Of Endorsements ,ndt No Descri#tion ,++ective Date ,nd Date Premium (%n ) L%&%TAT%ON- A- TO .-,) The Policy co$ers /se o+ the $ehicle +or any p/rpose other than< a) 1ire or :eward2 b) *arriage o+ goods %other than samples or personal l/ggage)2 c) Organi=ed racing2 d) Pace ma9ing2 e ) -peed testing2 + ) :eliability Trials2 g ) ny p/rpose i n connection with 'otor Trade4 Persons or Class o+ Persons entitled to drive) ny person incl/ding the ins/red2 pro$ided that a person dri$ing holds a n e++ecti$e dri$ing license at the time o+ the accident and is not dis5/ali+ied +rom holding or obtaining s/ch a license4 Pro$ided also that the person holding an e++ecti$e learner>s license may also dri$e the $ehicle and that s/ch a person satis+ies the re5/irements o+ :/le " o+ the *entral 'otor ?ehicles :/les2 !7#74 Limits o+ Liability !4 @nder -ection &&(! %i) o+ the policy ( Death o+ or bodily inA/ry ( -/ch amo/nt as is necessary to meet the re5/irements o+ the 'otor ?ehicles ct2 !7##4 24 @nder -ection && ( !%ii) o+ the policy (Damage to Third Party Property( ,50000 "4 P4 4 *o$er /nder -ection &&& +or Owner ( Dri$er%*-&)< 200000 Terms/ Conditions 0 ,1clusions) s per the &ndian 'otor Tari++4 personal copy o+ the same is a$ailable +ree o+ cost on re5/est 0 the same is & 8 Be hereby certi+y that the policy to which the certi+icate relates as well as the certi+icate o+ ins/rance are iss/ed in accordance with the pro$ision o+ chapter C2 C& o+ '4 ?4ct l7##4DDThe stamp d/ty o+
450 paid b y Demand Dra+t2 $ide :eceipt8*hallan n o 7!2"2 dated !!80!820!2 a s prescribed i n Eo$ernment 6oti+ication :e$en/e and Forest Department 6o '/dran9 200383!258*: 6708'(!2 dated "!8!2820034DD -er$ice Ta. :egistration 6o4< B*10,"#E-T0034 %&PO2TANT NOT%C,) The &ns/red is not indemni+ied i+ the $ehicle is /sed or dri$en otherwise than in accordance with this -ched/le4 ny payment made b y the *ompany b y reason o+ wider terms appearing i n the *erti+icate i n order to comply with the 'otor ?ehicle ct2 !7## i s reco$erable +rom the &ns/red4 -ee the cla/se headed 33A(O%DANC, O4 C,2TA%N T,2&- AND 2%"5T O4 2,CO(,26*33 Disclaimer) The Policy shall be $oid +rom inception i+ the premi/m che5/e is not reali=ed4 &n the e$ent o+ misrepresentation2 +ra/d or non(disclos/re o+ material +act2 the *ompany reser$es the right to cancel the Policy +rom inception4 Policy Issuin- Office; .um0ai Agent Name :HDFC BANK LTD Fo HDF5 ERG- G$+$"6 I+(7"+8$ 5o!9"+: .#*. Agent Code :201587086428 Tel No. : 912228561818 D76: 5o+(##$* A##o+$: *orporate O++4< 6th Floor2 Leela B/siness Par92 ndheri(G/rla :oad2 ndheri%E)2 '/mbai 300 0574 Toll-4ree No*7899-'-:99-:99 4a1 ;7 '' <<=8=<;; care>$d+cergo*com www*$d+cergo*com :egistered O++4< :amon 1o/se2 14T4Pare9h 'arg2 !672 Bac9bay :eclamation2 '/mbai 300 0202 &ndia4 Fre=uently /s,ed >uestions 6F/>s7 1 .O)OR INS?R/NCE +H/) /RE )HE ./@OR CO2ERS OF )HE POLIC3A Loss or Damage to t$e %nsured (e$icle caused due to) Liability to T$ird Parties) Personal Accident Cover) a) Fire2 e.plosion2 sel+ ignition or lightning4 b) B/rglary2 ho/sebrea9ing or the+t c) ll act o+ Eod perils li9e earth5/a9e2 +lood2 cyclone etc d) ccidental e.ternal means2 terrorism2 riot and stri9e Pro$ides co$er +or any legal liability arising o/t o+ the /se o+ the $ehicle +or< a) ccidental death 8 inA/ry to any third party b) ny damage to property owned by third party The policy pro$ides +or mandatory Personal ccident co$er +or owner dri$er and optional co$er +or passengers co$ering accidental death and permanent total disability4 +H/) /RE )HE ./@OR EBCL?SIONS IN )HE POLIC3A a) Eeneral aging2 wear 0 tear2 mechanical or electrical brea9down2 +ail/re2 depreciation2 any conse5/ential loss b) Damage by a person dri$ing witho/t a $alid license c) Damage by a person dri$ing /nder the in+l/ence o+ li5/or or dr/gs d) Loss8damage attrib/table to war2 m/tiny2 n/clear ris9s e) Damage to tyres and t/bes2 /nless damaged d/ring an accident +) @sage on hire 0 reward %applicable +or all classes e.pect p/blic commercial $ehicles) g) Loss or damage to bonnet side parts2 m/dg/ard2 b/mpers2 lamps2 tyres2 t/bes2 headlights2 paint wor9 %applicable +or all commercial $ehiclesH /nless opted additionally) h) Loss or damage res/lting +rom o$ert/rning arising o/t o+ operation as a tool %applicable +or mobile cranes2 drilling rigs2 mobile plants2 na$$ies2 sho$els2 grabs2 rippers /nless opted +or additionally) i) Loss o+ or damage to accessories by b/rglary ho/sebrea9ing or the+t /nless the $ehicle is stolen at the same time %applicable to all commercial $ehicles 0 two wheelers) +H/) DO I DO IN C/SE OF / CL/I.A 7* D,TA%L- TO ?,,P 5AND6 @5%L, 2,"%-T,2%N" A CLA%& a) Policy 6o4 b) :egistration details 8 :* copy c) Dri$ers details at the time o+ accident incl/ding dri$ing license n/mber d) F&: on a case to case basis e) :epair estimate '* 5O@ DO % 4%L, A CLA%&A For ccidental Damage to &ns/red ?ehicle %Own Damage *laims)< a) *all o/r c/stomer care Toll(+ree 7899-'-:99-:99 i+ the $ehicle meets with an accident b) Pro$ide yo/r policy n/mber +or re+erence and register the claim c) &+ yo/r $ehicle can be dri$en2 ta9e it to the nearest dealer 8 garage d) Eet a repair estimate2+ill /p the claim +orm and attach a copy o+ the registration *erti+icate dri$ing license o+the person dri$ing at thetimeo+ the accident e) &+ the garage is within o/r networ92 yo/ co/ld a$ail o+ cashless claim +acility4 Pay +or non accident related repairs2 depreciation and ded/ctible4 Be wo/ld settle the rest4 +) &+ the garage is o/tside o/r networ92 yo/ wo/ld ha$e to get the claim reimb/rsed s/bse5/ently4 g) -ign the repairerIs satis+action $o/cher and dri$e o++J B* CLA%&- DOC.&,NT-) %N CA-, O4 LO-- D., TO T5,4T a) D/ly +illed and signed claim +orm 0 discharge $o/cher % a+ter loss settlement ) b) Original :egistration *erti+icate %:*) c) Original policy copy d) *opy o+ F&: lodged at the nearest police station e) ll original 9eys 0 $ehicle in$oice copy +) 6o trace report con+irming that the stolen $ehicle is not traceable =* CLA%&- DOC.&,NT- - %N CA-, O4 ACC%D,NTAL DA&A", TO %N-.2,D (,5%CL, a) D/ly +illed and signed claim +orm 0 satis+action $o/cher b) :egistration *erti+icate %:*) c) Dri$ing license o+ the person dri$ing at the time o+ the accident d) Policy copy 2 original repair estimate2 repair in$oice e) Payment receipt +or non(cashless claims +) Original repair in$oice +or cashless claims g) 'L doc/ments +or amo/nt more than ! lac %P6 card2 2 passport si=e photo2 residence proo+)4 h) Form "5 0 original 6O* +rom +inancer incase o+ total loss where payment is made to ins/red4 i) copy o+ police F&:8panchnama is re5/ired +or TP inA/ry8death8property damage Additional documents reCuired +or commercial ve$icles) a) -pot s/r$ey b) Load challan c) Fitness certi+icate d) :o/te permit g) Original 6O* +rom +inancer incase o+ hypothecation 8 1P h) &ntimation to :TO +or the+t o+ $ehicle i) D/ly signed :TO trans+er papers %Form 262 2#2272"02"5) A) :* e.tract with stolen remar9 +rom the concerned :TO a+ter the loss 9) 'L doc/ments +or amo/nt more than ! lac %P6 card2 2 passport si=e photo2 residence proo+)4 l) Deed o+ s/brogation c/m indemnity on A/dicial stamp paper4 HO+ DO I ./9E CH/NGES IN .3 POLIC3 6ENDORSE.EN)S7A 7* C$anges related to registration o+ ve$icle or ve$icle details lie) '* 4or addition o+ electrical and non electrical accessoriesDCN" 0 LP" ?it) a) *orrection in registration n/mber8 location 8 address b) *orrection in $ehicle ma9e 0 model 8 c/bic capacity 8 seating capacity8 engine 0 chassis n/mber 8 year o+ man/+act/re D oc/ment s : e5/i red < a) :e5/est letter +or the change b) Policy copy c) :egistration *erti+icate copy =* Documents reCuired to c$ange +inancier details (5y#ot$ecationDLeaseD5ire-Purc$ase) a) :e5/est letter +or the change b) Policy copy c) Endorsed :egistration *erti+icate copy d) 6O* +rom +inancier %not mandatory +or deletion i+ :* is endorsed) a) :e5/est letter +or the change b) Policy copy c) &n$oice copy %mandatory where $al/e o+ accessory e.ceeds 2020008() d) Endorsed :egistration *erti+icate *opy %For *6E8LPE 9it) e) *he5/e +or additional premi/m *all /s +or additional premi/m details 0 send rele$ant doc/ments copy to o/r corporate o++ice B*C$anges D Correction in Policy 5older3s Name D Corres#ondence Address D Contact Numbers D ,-mail id D any ot$er c$anges) E mail /s at < care>$d+cergo*com O2 *all Toll(+ree< 7899 ' :99 :99 D 7899 ''< ''< O2 Fa. yo/r re5/est at< 9'' <<=8 =<<; HO+ DO I RENE+ .3 POLIC3A HO+ )O CON)/C) ?SA a) ?isit www*$d+cergo*co m to renew instantly online4 b) -'- EE2,N,@ FPOL%C6 NOG EE to ;;;; :99:99 c) ?isit o/r nearest branch 8 yo/r agent *all Toll(+ree < 7899 ' :99 :99 D 7899 ''< ''< Fa. < 9'' <<=8 =<<; E('ail < care>$d+cergo*com d) -end a copy o+ the renewal notice along with premi/m che5/e to o/r branch o++ice 8 *orporate o++ice e) *all o/r toll +ree n/mber 7899 ' :99 :99 D 7899 ''< ''<* Brite to /s at < 5D4C ,2"O "eneral %nsurance Com#any Limited 6th +loor2 Leela B/siness Par92 ndheri G/rla :oad2 ndheri%East)2 '/mbai ( 300 057 &anage 6our Port+olio > $d+cergo*com D -mart#$onesH (iew your #olicy details Trac your claims online w$enever t$e need arises Lin multi#le #olicies o+ yoursel+ and your loved ones 2aise service reCuest D com#laints 0 set renewal reminders C$ange your #ersonal details on t$e go %n+ormation about branc$es/ garages and $os#itals H su##orts smart #$ones based on Blacberry/ iP$one/ Android 0 -ymbian #lat+orms This doc/ment is a s/mmary o+ the bene+its o++ered4 The in+ormation mentioned abo$e is ill/strati$e and not e.ha/sti$e4 &n+ormation m/st be read in conA/nction with the policy wordings4 &n case o+ any con+lict between this doc/ment and the policy wordings2 the terms and conditions mentioned in the policy wordings shall pre$ail4