Go Digit General Insurance LTD.: IRDAN158RP0003V01201718

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MA Go Digit General Insurance Ltd.

Schedule/Receipt
Digit Two-Wheeler Liability Only Policy
UIN No.: IRDAN158RP0003V01201718
N Name KHALID HUSSAIN MOHAMMAD Vehicle Registration No. GJ16BA2084

Address ,Tonk District-304001 PHONEPE INSURANCE BROKING
Partner Name
SERVICES PRIVATE LIMITED
1080493
Partner Code
Mobile +919558711745 Partner Mobile No. 9490077318

Email mxxxxxxxxxx6@gxxxl.com Partner Email --
Aadhar No. For Claims, contact us at 1800-258-5956 PB
YOUR POLICY DETAILS
Policy No. D121536667 / 24102023 Policy Issue Date 24-Oct-2023 Invoice No. IA112432391
From 25-Oct-2023 09:27:51
Period of Policy Policy Term 1 Year
To 24-Oct-2024 23:59:59
1 From --
Invoice 24-Oct-2023
Period of Policy for PA Owner Driver
To -- Date
YOUR VEHICLE DETAILS
IGS
RTO location Bharuch,GUJARAT Make HERO MOTOCORP Model/Vehicle
PASSION PRO/ELEC ST
PB Variant (Sub-
Engine No. 67627 Chassis No. 61156 Type)
DRUM BRAKE SW
Body Type Motor Cycle Fuel Type Petrol Year of Regn 2012
Seating
2
Capacity Cubic Capacity 100 CC Year of Mfg. --
MAK
G01
128.5 ENDORSEMENT
Invoice Number Invoice Date Net Premium Igst Cgst Sgst Utgst Cess Gross Premium
IA112432391 2023-10-24 714.00 128.52 0.00 0.00 0.00 0.00 842.52
B LIABILITY PREMIUM (`)

Basic Third-Party Liability (`) 714.00 PA cover for Owner-Driver (`) --
PA cover for 2 unamed passengers each 0 (`) -- PA cover for Paid Driver 0 (`) --
Legal Liability to Employees (`) -- Legal Liability to Paid Driver (`) --
M Net Premium (`) 714.00
FH IGST @ 18% = (`128.52) 128.52
IGS
FH
Final Premium (`) 842.52
OTHER DETAILS
Previous Insurer -- Previous Policy No. --
-- Previous Policy --
IMT - Endorsements Expiry Date
GSTIN/UIN No. Unregistered State Code 24
Receipt No. RA129644570 Receipt Date 24-Oct-2023
Financier Details -- Nominee Details --
Te
xt Other Detials --
Geographical Area: Any liability incurred within India shall be covered subject to Policy Terms and Conditions, unless specifically agreed and
endorsed. Limitation as to use: The policy covers use of the vehicle for any purpose other than hire or reward, racing, pace making, reliability trial,
speed testing and use for any purpose in connection with the Motor Trade. Person or Class of persons entitled to drive: Any person including the
insured. 1) Provided that a person driving holds a valid effective driving license at the time of the accident and is not disqualified from holding or
obtaining such a license. 2) Provided also that the person holding a valid effective Learner’s License may also drive the vehicle and that such a
person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989 and any subsequent amendment as applicable. Limits of
Liability: 1) Under Section II - 1 (i) of the policy: Death of or bodily injury - Such amount as is necessary to meet the requirements of the Motor
Vehicles Act, 1988 and any subsequent amendment as applicable. 2) Under Section II - 1 (ii) of the policy: Damage to Third Party Property - (`
100000) 3) P.A. Cover for Owner Driver under Section III (CSI) -(`)(per annum).
PA Owner Driver Declaration:The Policy has been issued without Compulsory Personal Accident Cover to Owner Driver on the basis of
your declaration that you do not hold a valid Driving License on or before the date of commencement of this Policy / already have an
http alternate Personal Accident insurance cover of Rs. 15 Lakhs
Go Digit General Insurance Ltd. Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru, Karnataka 560095.IRDAI Reg
No. 158 CIN U66010PN2016PLC167410, GST Reg. No.: 29AACCO4128Q1ZW HSN: 997134/General Insurance Services, GSTIN Address: Bengaluru Retail
Business Centre,Atlantis No 95 4th B Cross Road 5th Block Koramangala Industrial layout,Bangalore,Karnataka,PIN-560095
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Schedule/Receipt
Important Note: Please inform the Company in case of change on account of addition of CNG/PNG kit.
PUC Declaration:The Policy has been issued subject to valid Pollution Under Control (PUC) Certificate disclosed by you as an insured on or before
the date of commencement of the Policy .Cheque dishonor / Non-receipt of payment premium paid through Cheque, the policy is void ab-initio in
case of dishonor of Cheque or non-receipt of payment. Violation of Motor Vehicle Act: This policy is issued in accordance with the provision of
Chapter X and Chapter XI of MV act, 1988 and any subsequent amendment as applicable. Any violation will forfeit all benefits and coverages
under the Policy. The insured is not indemnified if the vehicle is used or driven otherwise than in accordance with this Schedule. Any payment
made by the Company by reason of wider terms appearing in Certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from
the insured. See the Clause headed (Avoidance Of Certain Terms And Right Of Recovery) in the policy. This policy is subject to the standard
policy wordings, warranties and conditions applicable for this product in addition to coverages and exclusions specified in the motor vehicle tariff
published by IRDAI. Policy would be void on the ground that it was obtained by non- disclosure of material fact or by a representation of fact
Note: The terms and conditions detailed in this policy schedule as well as the policy document sent by Digit shall prevail in case of any dispute.
For & On Behalf of Go Digit General Insurance Ltd.
In case of claim or any other query, please

contact our 24-hour Call Centre at 1800-
258-5956 or email us at hello@godigit.com Praveen Bhat
Senior Vice President – Customer Experience
or visit our website www.godigit.com. praveen.bhat@godigit.com
Authorized Signatory
Printed, Signed, and Executed at Bengaluru
Consolidated Stamp Duty has been paid as per Letter of
Authorization No.67-B/04/2017-18 Date: 30th May 2017
issued by Department of Stamps and Registration ,
Bengaluru- 560009 - KARNATAKA.
Hey, our document is now digitally signed

Click here to view the certificate.
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Schedule/Receipt
100
PB
IGS
100 Digit Two-Wheeler Liability Only Policy
MA
Proposal / Transcript Form
N
UIN: IRDAN158RP0003V01201718
100 Go Digit General Insurance Ltd
*For Office Use only: *For Partner Use Only:
Scrutiny No Receipt No Proposal No IMD Code Sub IMD Code IMD Name
PHONEPE INSURANCE
-- RA129644570 D121536667 1080493 -- BROKING SERVICES
PRIVATE LIMITED
A. Questions that are necessarily to be listed for granting the cover as per the Motor Vehicles Act-1988.
Personal Details
B Proposer’s (Owner’s) Full
1 KHALID HUSSAIN MOHAMMAD
Name (In capital letters)
1a Proposer’s DOB --
1b Proposer’s PAN Number --

Proposer’s Aadhar
1c --
Number
1d GST Number Unregistered
Address (where the ,Tonk District-304001

vehicle is normally kept)
2 Telephone No: -- Fax: --
(In capital letters, with
pin code) Mobile No: +919558711745 Mail Id: mxxxxxxxxxx6@gxxxl.com
3 Occupation / Business --
4 Type of Cover Liability Only Policy
From 09:27:51 25-Oct-2023

5 Period of Insurance
To 23:59:59 24-Oct-2024
A (I). Personal Details of Proposer/Owner:
A (II). Vehicle Details

Vehicle Specifications
6 Registration Number of the Vehicle GJ16BA2084
7 Date of Registration of the Vehicle 2012
8 Registering Authority & Location Bharuch,GUJARAT
9 Year of Manufacture --
10 Engine Number 67627
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Schedule/Receipt
11 Chassis Number 61156
12 Make of the Vehicle HERO MOTOCORP
13 Model PASSION PRO
ELEC ST DRUM BRAKE

14 Type of Body
SW
15 Cubic Capacity of the Vehicle 100

16 Seating Capacity including driver 2
Whether vehicle is driven by non-conventional source of power /CNG/LPG/Bi-Fuel? If ‘YES’, please give
17 --
details.
18 Whether the use of vehicle is limited to own premises? No
19 Whether the vehicle is used for commercial purpose? No
20 Whether the vehicle is used for driving tuitions? (GR-44) No
Details of Hire Purchase / Hypothecation / Lease (IMT-5)/(IMT-7)/(MT-6)
a) Is the vehicle proposed for insurance is:
i) Under Hire Purchase? No
21 ii) Under Lease Agreement? No
(iii) Under Hypothecation? No
b) If ‘YES’, give name and address of concerned party/parties:
Note: Copies of R.C. & Fitness Certificate should be submitted along with the proposal form
Third Party Risks: Death/ Bodily Injury

Coverage for liability against Third Party Risks (Death or Bodily Injury) required in respect of:
(i) Owner Driver only No
(ii) Any person other than Paid Driver No
If ‘YES’, give details of such other persons
1
22 2
Note:
1. Section 146 of Motor Vehicles Act-1988 makes it mandatory for the owner of the vehicle to ensure that he or any other person
authorized by him to drive a vehicle in public place has insurance against third party risks. (The explanation to Section 146
exempts the paid driver)
2. As per Section 147 (2)(a). The liability is ‘as incurred’ in the case of death / bodily injury of a third party]
Third Party Risks: TPPD (IMT -20)

Do you wish to have the statutory Third Party Property Damage (TPPD) liability of Rs. 6000/- only?
23 No
[For additional TPPD limits, please see Q.No. 25 ]
Third Party Risks: Liability to Employee ‘under E.C. Act- 1923 (Compulsorily to be covered by M.V.
Act-1988)
Legal liability to persons employed in connection with operation of the vehicle, who are ‘workmen’.
[The liability of the Employer under the Employees’ Compensation Act-1923 is covered under the
Motor Vehicles Act-1988.
24 1) Drivers (No. of persons: )
2) Employees (Workmen) (No. of persons: )
Note: The Motor Vehicles Act-1988 under Sec. 147 (1) (ii) (i) covers liability to employees who are workmen within the meaning
of the Employees’ Compensation Act- 1923.) For additional coverage, please refer to Q.No. 26 ]
B. Questions that provide additional covers as per IMT Endorsements

Addl. TPPD
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Schedule/Receipt
25
The Policy provides additional Third-Party Property Damage liability limit or Rs. 7,50,000/- for
(GR Yes
commercial vehicles. Do you wish to cover the additional limit? [Refer to Q.No. 23]
39)
Additional Liability to Employee

Do you wish to cover wider legal liability to employees who are ‘workmen’? [This information is sought
26 to cover in addition to liability under the Employees’ Compensation Act-1923, also liability under the
(IMT Fatal Accidents Act-1855 and the Common Law] No
-28) Note: The additional liability under Common Law and Fatal Accidents Act in respect of employees
who are Employees is covered under this endorsement [Refer to Q. No. 24]
Liability to Employees who are not Employee

27 Do you wish to cover wider legal liability to employees who are NOT ‘Employees’?
(IMT (Note: The liability under Common Law and Fatal Accidents Act-1855 in respect of employees who No
-29) are not Employees can be covered under this endorsement).
Personal Accident Cover of Owner Driver

Personal Accident Cover for Owner Driver is compulsory in the Liability Only Cover. Please give details of nomination:
(a) Name of the Nominee & Age
(b) Relationship
(c) Name of the Appointee (If nominee is a Minor)
(d) Relationship to the Nominee:
(Note):
1. Personal Accident Cover for Owner Driver is a mandatory cover except in cases where:
28 a. an owner-driver already has a 24-hour Personal Accident cover against Death and Permanent Disability (Total and
Partial) for Capital Sum Insured of at least Rs.15 Lacs
b. a vehicle is owned by a company, a partnership firm or a similar body corporate
c. the owner-driver does not hold an effective driving license.
2. Sum Insured for Personal Accident cover for Owner Driver can be less than 15 Lakhs, only if you already have Personal
Accident Cover for the Balance Sum Insured, however, this can be opted under Our Separate Product named “Digit
Compulsory Personal Accident Cover (Owner Driver)”.
3. If You want to opt for Sum insured less than 15,00,000 under “Digit Compulsory Personal Accident Cover (Owner Driver)”,
please provide below details:
Policy Period: From _________ To ______________ Sum Insured: INR: ___________________________
PA Cover for Named Occupants

Do you wish to include Personal Accident cover for named persons? If YES, give name and Capital
Sum Insured (CSI) opted for:
Sl no. Name CSI (Opted) (Rs.) Nominee Relationship
29 2
(IMT
-15) 3
Note: The maximum CSI available per person is Rs.2 Lakhs in case of Private Cars and Rs.1 Lakh in the case of Motorized Two
Wheelers)
PA Cover for Un-Named Occupants

Do you wish to include Personal Accident cover for Unnamed Passengers/hirer/pillion passengers
(Two Wheelers)?
30 If YES, give number of persons and Capital Sum Insured (CSI) Opted
(IMT
-16) No. of Persons: __________ C.S.I. (Per Person): ___________
Note: The maximum CSI available per person is Rs.2 Lacs in case of Private Cars and Rs.1 Lac in the case of Motorized Two
Wheelers)
Geographical Extension
Whether extension of geographical area to the following countries required?
1. Bangladesh No 2. Bhutan No
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Schedule/Receipt
31 3. Maldives No 4. Nepal No
(IMT
-1) 5. Pakistan No 6. Sri Lanka No
Note: Presently the territory covered is geographical area of India. Extension of geographical area cover can be availed by use of this
endorsement
C. Questions that are elicited for information and data collection purposes
Previous History:
a. Date of purchase of the vehicle by the Proposer: DD MM YYYY
b. Whether the vehicle was new or second hand at the time of purchase? NEW SECOND HAND
c. Will the vehicle be used exclusively for
(i) Private, Social, Domestic, Pleasure & Professional Purpose? YES NO
(ii) Carriage of goods other than samples or personal luggage? YES NO
d. Is the vehicle in good condition? YES NO
If NO, please give details
32 e. Name and Address of the previous insurance

company:
f. Previous policy number:
g. Period of Insurance From To
h. Claims lodged during the preceding 3 years
YEAR NO. OF CLAIMS CLAIM AMOUNT (Rs.)
Details of Driver:
Age [in years] Date of Birth

A. Age and Date of
Birth of the owner
Age [in years] Date of Birth

B. Age and Date of
Birth of the owner
C. Does the driver suffer from defective vision or hearing or any physical YES NO
33 infirmity? If ‘YES’ , please give details of such infirmity
D. Has the driver ever been involved / convicted for causing any accident of
YES NO
loss? If ‘YES’ , give details as under including the pending prosecutions:
Driver’s Name:
Date of Accident
Loss/ Cost: [Rs.]
Circumstances of Accident:
Premium and Payment Details

Cheque No/NEFT Ref No P_VF2310240919375262696861
Bank Name --
Date 24-Oct-2023
Amount (Including applicable taxes) 842.52
Declaration
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Schedule/Receipt
• I/We hereby declare that the statements made by me/us in this Proposal form are true to the best of my/our
knowledge and belief and I/We hereby agree that this declaration shall form the basis of the contract between
me/us and Go Digit General Insurance Ltd.
• I/We also declare that any additions or alterations are carried out after the submission of this proposal form then
the same would be conveyed to the Insurance Company immediately.
• I/We hereby undertake to inform the Company in case of change on account of addition of CNG/PNG kit
and ensure endorsement in my policy.
• I/We hereby affirmatively warrant that the Assured named herein/owner of the vehicle insured holds a valid
Pollution Under Control (PUC) Certificate on the date of commencement of the Policy and the same has been
shown to the agent/authorized person of intermediary. I further undertake to renew and maintain a valid and
effective PUC Certificate and during the duration of the Policy period.
Date: 24-Oct-2023
This proposal form has been electronically accepted
"By submitting your contact number and email ID, you authorize Go Digit General Insurance (Digit Insurance)
to call, send SMS, messages over internet-based messaging application like WhatsApp and email and offer
you information and services for the product(s) you have opted for as well as other products/services offered
by Digit Insurance. Please note that such authorization will be over and above any registration of the contact
number on TRAI’s NDNC registry."
Go Digit General Insurance Ltd. Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5
Block, Bengaluru, Karnataka 560095, IRDAI Reg No. 158 CIN U66010PN2016PLC167410, GST Reg. No:
29AACCO4128Q1ZW, GSTIN Address: Bengaluru Retail Business Centre,Atlantis No 95 4th B Cross Road 5th
Block Koramangala Industrial layout,Bangalore,Karnataka,PIN-560095 . Website: www.godigit.com
Insurance ACT 1938 Section 41- Prohibition of Rebates

1. No person shall allow or offer to allow either directly or indirectly, as an inducement to any person to take
out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any
rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor
shall any person taking out or renewing a policy accept any rebate, except such rebate as may be allowed in
accordance with the published prospectus or tables of the insurer.
2. ANY PERSON MAKING FAULT IN COMPLYING WITH THE PROVISIONS OF THIS SECTION SHALL BE
PUNISHABLE WITH FINE WHICH MAY EXTEND TO TEN LAKHS RUPEES.
3,275 WORDS THAT CAN BE
SUMMED UP IN TWO;
“YOU’RE COVERED.”
Visit us at www.godigit.com or call UIN Number:

1800-258-5956, anytime, for more information. IRDAN158RP0003V01201718
Index | 1
Table of Contents
Follow these directions to find your way if you get lost.
Just click on the chapter name to go there.
What’s Covered:
Liability To Third Parties 3
Personal Accident Cover For Owner-Driver 4
General Exceptions 5
General Conditions 6
Cancellation 8
Customer Grievance Redressal Policy 9
Index | 2
Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be
the basis of this contract and is deemed to be incorporated herein has applied to Go Digit General
Insurance Ltd. (herein after referred to as “Company/DIGIT”) for the insurance hereinafter contained
and has paid the premium as consideration for such insurance in respect of events occurring during
the period of insurance.
NOW THIS POLICY WITNESSETH: That subject to the Terms, Exceptions and Conditions contained herein
or endorsed or expressed hereon.
i. LIABILITY TO THIRD PARTIES

1. Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify
the insured in the event of an accident caused by or arising out of the use of the motor vehicle
anywhere in India against all sums including claimant’s costs and expenses which the insured shall
become legally liable to pay in respect of:
a. Death of or bodily injury to any person so far as it is necessary to meet the requirements of the
Motor Vehicles Act.
b. Damage to property other than property belonging to the insured or held in trust or in the custody or
control of the insured up to the limit specified in the schedule.
2. The Company will pay all costs and expenses incurred with its written consent.
3. In terms of and subject to the limitations of the indemnity which is granted by this policy to the
insured, the Company will indemnify any driver who is driving the Motor vehicle on the insured’s order
or with insured’s permission provided that such driver shall as though he/she were the insured observe
fulfill and be subject to the terms exceptions and conditions of this Policy in so far as they apply.
4. In the event of the death of any person entitled to indemnity under this policy the Company will in
respect of the liability incurred by such person indemnify his/her personal representative in terms of and
subject to the limitations of this Policy provided that such personal representative shall as though such
representative was the insured observe, fulfill and be subject to the terms exceptions and conditions of
this Policy in so far as they apply.
5. The Company may at its own option
a. Arrange for representation at any Inquest or Fatal Inquiry in respect of any death which may be the
subject of indemnity under this Policy; and
b. Undertake the defense of proceedings in any Court of Law in respect of any act or alleged offence
causing or relating to any event which may be the subject of indemnity under this Policy.
Back to Index | 3
Avoidance of Certain Terms and Right of Recovery
Nothing in this Policy or any endorsement hereon shall affect the right of any person indemnified by this
Policy or any other person to recover an amount under or by virtue of the provisions of the Motor Vehicles
Act.
But the insured shall repay to the Company all sums paid by the Company which the Company would not
have been liable to pay but for the said provisions.
Application of Limits of Indemnity

In the event of any accident involving indemnity to more than one person any limitation by the terms of
this Policy and/or of any Endorsement thereon of the amount of any indemnity shall apply to the aggregate
amount of indemnity to all persons indemnified and such indemnity shall apply in priority to the insured.
ii. PERSONAL ACCIDENT COVER FOR OWNER-DRIVER

Subject otherwise to the terms, exceptions, conditions and limitations of this policy, the Company
undertakes to pay compensation as per the following scale for bodily injury/death sustained by
the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst mounting
into/dismounting from the vehicle insured or whilst traveling in it as a co-driver, caused by violent
,accidental, external and visible means which independent of any other cause shall within six calendar
months of such injury result in:
Back to Index | 4
Nature of Injury Scale of Compensation
i) Death 100%
ii) Loss of two limbs or sight of two eyes or one limb and sight of one 100%
eye
iii) Loss of one limb or sight of one eye 50%
iv) Permanent total disablement from injuries other than named above 100%
Provided always that
1. Compensation shall be payable under only one of the items (i) to (iv) above in respect of the
owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the
aggregate exceed the sum of 15 lakh during any one period of insurance.
2. No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in
part arising or resulting from or traceable to
a. Intentional self-injury, suicide or attempted suicide, physical defect or infirmity or
b. An accident happening whilst such person is under the influence of intoxicating liquor or drugs.
This cover is subject to
i. The owner-driver is the registered owner of the vehicle insured herein;
ii. The owner-driver is the insured named in this policy.
iii. The owner-driver holds an effective driving license, in accordance with the provisions of Rule
3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.
General Exceptions
1 The Company shall not be liable in respect of any claim arising whilst the vehicle insured herein
c. being used otherwise than in accordance with the “Limitations as to Use” or
d. being driven by or is for the purpose of being driven by him/her in the charge of any person
other than a Driver as stated in the Driver’s Clause.
2 The Company shall not be liable in respect of any claim arising out of any contractual liability;
Back to Index | 5
3 Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company
shall not be liable in respect of death arising out of and in the course of employment of a person
in the employment of the insured or in the employment of any person who is indemnified under
this policy or bodily injury sustained by such person arising out of and in the course of such
employment.
4 Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company
shall not be liable in respect of death or bodily injury to any person (other than a passenger
carried by reason of or in pursuance of a contract of employment) being carried in or upon or
entering or mounting or alighting from the Motor Vehicle at the time of the occurrence of the
event out of which any claim arises.
5 The Company shall not be liable in respect of any liability directly or indirectly or proximately
or remotely occasioned by contributed by or traceable to or arising out of or in connection
with War, Invasion, the Act of foreign enemies, hostilities or warlike operations (whether
before or after declaration of war), Civil War, Mutiny, Rebellion Military or usurped power or
by any direct or indirect consequences of any of the said occurrences and in the event of any
claim hereunder, the Insured shall prove that the accident, loss, damage and/or liability, arose
independently of and was in no way connected with or occasioned by or contributed to by or
traceable to any of the said occurrences or any consequences thereof and in default of such
proof, the Company shall not be liable to make any payment in respect of such a claim.
6 The Company shall not be liable in respect of any liability directly or indirectly caused by or
contributed to by or arising from nuclear weapons material.
Conditions
This Policy and the Schedule shall be read together and any word or expression to which a specific
meaning has been attached in any part of this Policy or of the Schedule shall bear the same meaning
wherever it may appear.
1 Notice shall be given in writing to the Company immediately upon the occurrence of any
accident and in the event of any claim. Every letter, claim, writ, summons and/or process
or copy thereof shall be forwarded to the Company immediately on receipt by the insured.
Notice shall also be given in writing to the Company immediately after the insured shall have
knowledge of any impending prosecution, inquest or fatal inquiry in respect of any accident
which may give rise to a claim under this Policy.
Back to Index | 6
2 No admission, offer, promise, payment, or indemnity shall be made or given by or on behalf of
the insured without the written consent of the Company which shall be entitled if it so desires
to take over and conduct in the name of the insured the defence or settlement of any claim or
to prosecute in the name of the insured for its own benefit any claim for indemnity or otherwise
and shall have full discretion in the conduct of any proceedings or in the settlement of any claim
and the insured shall give all such information and assistance as the Company may require. If
the Company shall make any payment in settlement of any claim and such payment includes
any amount not covered by this Policy the insured shall repay to the Company the amount not so
covered.
3 The insured shall take all reasonable steps to maintain insured vehicle in efficient condition
and the Company shall have at all times free and full access to examine the Insured vehicle
or any part thereof or any driver or employee of the insured.
4 If at the time of occurrence of an event that gives rise to any claim under this policy there is in
existence any other insurance covering the same liability, the Company shall not be liable to pay
or contribute more than its ratable proportion of any compensation, cost or expense.
5 If any dispute or difference shall arise as to the quantum to be paid under this policy
(liability being otherwise admitted), such difference shall independent of all other questions
be referred to the decision of a sole arbitrator to be appointed in writing by the parties to
the dispute or if they cannot agree upon a single arbitrator within 30 days of any party
invoking Arbitration, the same shall be referred to a panel of three arbitrators comprising
two arbitrators one to be appointed by each of the parties to the dispute / difference, and
a third arbitrator to be appointed by such two arbitrators who shall act as the presiding
arbitrator and Arbitration shall be conducted under and in accordance with the provisions of
the Arbitration and Conciliation Act, 1996.
It is clearly agreed and understood that no difference or dispute shall be referable to Arbitration
as hereinbefore provided, if the Company has disputed or not accepted liability under or in
respect of this policy.
It is hereby expressly stipulated and declared that it shall be condition precedent to any right of
action or suit upon this policy that the award by such arbitrator/ arbitrators of the amount of the
loss or damage shall be first obtained.
It is also hereby further expressly agreed and declared that if the Company shall disclaim liability
to the insured for any claim hereunder and such claim shall not, within twelve calendar months
from the date of such disclaimer have been made the subject matter of a suit in a court of law,
then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter
be recoverable hereunder.
6 The due observance and fulfillment of the terms, conditions and endorsements of this Policy in
so far as they relate to anything to be done or complied with by the insured and the truth of the
statements and answers in the said proposal shall be conditions precedent to any liability of the
Company to make any payment under this Policy.
Back to Index | 7
7 In the event of the death of the sole insured, this policy will not immediately lapse but will remain
valid for a period of three months from the date of the death of insured or until the expiry of
this policy (whichever is earlier). During the said period, legal heir(s) of the insured to whom the
custody and use of the Motor Vehicle passes may apply to have this Policy transferred to the
name(s) of the heir(s) or obtain a new insurance policy for the Motor Vehicle. Where such legal
heir(s) desire(s) to apply for transfer of this policy or obtain a new policy for the vehicle such
heir(s) should make an application to the Company accordingly within the aforesaid period. All
such applications should be accompanied by:
a. Death Certificate in respect of the insured
b. Proof of title to the vehicle
c. Original Policy
Cancellation
Cancellation by Insurer: A Policy may be cancelled by the insurer on the grounds of
misrepresentation, fraud, non-disclosure of material facts or non-co-operation by sending to the
insured seven days’ notice of cancellation by recorded delivery to the Insured’s last known address
and the insurer will refund to the insured the pro-rata premium for the balance period of the policy.
Cancellation by Insured: A Policy may be cancelled at the option of the insured with seven days’
notice of cancellation and the insurer will be entitled to retain premium on short period scale of rates
for the period for which the cover has been in existence prior to the cancellation of the policy. The
balance premium, if any, will be refundable to the insured. Refund of premium will be subject to:
a. There being no claim under the policy, and
b. The retention of minimum premium as specified in the Indian Motor Tariff (IMT) 2002.
c. A policy can be cancelled only after ensuring that the vehicle is insured elsewhere, at least for
Liability Only cover and after surrender of the original Certificate of Insurance for cancellation.
In case of cancellation of policy by the insured, premium would be retained as per below table:
% of Annual Premium Period
20% Not exceeding 1 month
30% Exceeding 1 month but not exceeding 2 months
40% Exceeding 2 months but not exceeding 3 months
Back to Index | 8
Full Annual Premium/Rate Exceeding 8 months
Customer Grievance Redressal Policy

We hope that we never leave you dissatisfied. However, if you ever wish to lodge a complaint, please feel
free to call our 24 × 7 Toll free number 1800-258-5956 or email the customer service desk at
hello@godigit.com.
Senior citizens can now contact us on 1800-258-5956 or write to us at seniors@godigit.com.
After investigating the matter internally and subsequent closure, we will send you our response.
If you do not get a satisfactory response from us and you wish to pursue other avenues for redressal
of grievances, you may approach Insurance Ombudsman appointed by IRDAI under the Insurance
Ombudsman Scheme.
The contact details of the Insurance Ombudsman centers are mentioned below: (Note: Address and
contact number of Governing Body of Insurance Council)
Jurisdiction of Office
Office Location Contact Details
(Union Territory, District)
AHMEDABAD Office of the Insurance Ombudsman, Jeevan Prakash Gujarat, Dadra & Nagar Haveli,
Building, 6th floor, Tilak Marg, Relief Road, Daman and Diu.
Ahmedabad – 380 001.
Tel.: 079 - 25501201/02/05/06,
Email: bimalokpal.ahmedabad@ecoi.co.in
BENGALURU Office of the Insurance Ombudsman, Jeevan Soudha Build- Karnataka.

ing, PID No. 57-27-N-19, Ground Floor, 19/19, 24th Main
Road, JP Nagar, Ist Phase, Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049,
Email: bimalokpal.bengaluru@ecoi.co.in
BHOPAL Office of the Insurance Ombudsman, Janak Vihar Com- Madhya Pradesh, Chhattisgarh.
plex, 2nd Floor, 6, Malviya Nagar, Opp. Airtel Office,
Near New Market, Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202, Fax: 0755 - 2769203,
Email: bimalokpal.bhopal@ecoi.co.in
Back to Index | 9
BHUBANESHWAR Office of the Insurance Ombudsman, 62, Orissa.
Forest park, Bhubaneshwar – 751 009.
Tel.: 0674 - 2596461 /2596455, Fax: 0674 - 2596429,
Email: bimalokpal.bhubaneswar@ecoi.co.in
CHANDIGARH Office of the Insurance Ombudsman, S.C.O. No. 101, 102 Punjab, Haryana, Himachal Pradesh,
& 103, 2nd Floor, Batra Building, Sector 17 – D, Chandi- Jammu & Kashmir, Chandīgarh.
garh – 160 017. Tel.: 0172 - 2706196 / 2706468,
Fax: 0172 - 2708274, Email: bimalokpal.chandigarh@ecoi.co.in
CHENNAI Office of the Insurance Ombudsman, Fatima Akhtar Court, Tamil Nadu, Pondicherry Town and
4th Floor, 453, Anna Salai, Teynampet, Karaikal (which are part of Pondi-
CHENNAI – 600 018. Tel.: 044 - 24333668 / 24335284, cherry).
Fax: 044 - 24333664, Email: bimalokpal.chennai@ecoi.co.in
DELHI Office of the Insurance Ombudsman, 2/2 A, Universal Delhi.

Insurance Building, Asaf Ali Road, New Delhi – 110 002.
Tel.: 011 – 23232481 / 23213504, Fax: 011 - 23230858
Email: bimalokpal.delhi@ecoi.co.in
GUWAHATI Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Assam, Meghalaya, Manipur, Mizo-
Floor, Nr. Panbazar over bridge, S.S. Road, ram, Arunachal Pradesh, Nagaland
Guwahati – 781001(ASSAM). and Tripura.
Tel.: 0361 - 2132204 / 2132205, Fax: 0361 - 2732937,
Email: bimalokpal.guwahati@ecoi.co.in
HYDERABAD Office of the Insurance Ombudsman,6-2-46, 1st floor, Andhra Pradesh, Telangana, Yanam
“Moin Court”, Lane Opp. Saleem Function Palace, A. C. and part of Territory of Pondicherry.
Guards, Lakdi-Ka-Pool, Hyderabad - 500 004.
Tel.: 040 - 65504123 / 23312122, Fax: 040 - 23376599,
Email: bimalokpal.hyderabad@ecoi.co.in
JAIPUR Office of the Insurance Ombudsman, Jeevan Nidhi – II Rajasthan.

Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005.
Tel.: 0141 - 2740363, Email: Bimalokpal.jaipur@ecoi.co.in
ERNAKULAM Office of the Insurance Ombudsman,2nd Floor, Pulinat Kerala, Lakshadweep, Mahe-a part
Bldg, Opp. Cochin Shipyard, M. G. Road, of Pondicherry.
Ernakulam - 682 015. Tel.: 0484 - 2358759 / 2359338,
Fax: 0484 - 2359336, Email: bimalokpal.ernakulam@ecoi.co.in
KOLKATA Office of the Insurance Ombudsman, Hindustan Bldg. West Bengal, Sikkim, Andaman &
Annexe, 4th Floor, 4, C.R. Avenue, Nicobar Islands.
KOLKATA - 700 072. Tel.: 033 - 22124339 / 22124340,
Fax: 033 - 22124341, Email: bimalokpal.kolkata@ecoi.co.in
LUCKNOW Office of the Insurance Ombudsman, 6th Floor, Jeevan Districts of Uttar Pradesh: Laitpur,
Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Jhansi, Mahoba, Hamirpur, Banda,
Lucknow - 226 001. Chitrakoot, Allahabad, Mirzapur,
Sonbhabdra, Fatehpur, Pratapgarh,
Tel.: 0522 - 2231330 / 2231331, Fax: 0522 - 2231310, Jaunpur, Varanasi, Gazipur, Jalaun,
Email: bimalokpal.lucknow@ecoi.co.in Kanpur, Lucknow, Unnao, Sitapur,
Lakhimpur, Bahraich, Barabanki,
Raebareli, Sravasti, Gonda, Faiza-
bad, Amethi, Kaushambi, Balrampur,
Basti, Ambedkarnagar, Sultanpur,
Maharajgang, Santkabirnagar,
Azamgarh, Kushinagar, Gorkhpur,
Deoria, Mau, Ghazipur, Chandauli,
Ballia, Sidharathnagar.
Back to Index | 10
MUMBAI Office of the Insurance Ombudsman, 3rd Floor, Jeevan Goa, Mumbai Metropolitan Region
Seva Annexe, S. V. Road, Santacruz (W), excluding Navi Mumbai & Thane.
Mumbai - 400 054.
Tel.: 022 - 26106552 / 26106960, Fax: 022 - 26106052,
Email: bimalokpal.mumbai@ecoi.co.in
NOIDA Office of the Insurance Ombudsman, Bhagwan Sahai State of Uttaranchal and the fol-
Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: lowing Districts of Uttar Pradesh:
Gautam Buddh Nagar, U.P-201301. Agra, Aligarh, Bagpat, Bareilly,
Tel.: 0120-2514250 / 2514252 / 2514253, Email: bimalok- Bijnor, Budaun, Bulandshehar, Etah,
pal.noida@ecoi.co.in Kanooj, Mainpuri, Mathura, Meerut,
Moradabad, Muzaffarnagar, Orai-
yya, Pilibhit, Etawah, Farrukhabad,
Firozbad, Gautambodhanagar,
Ghaziabad, Hardoi, Shahjahanpur,
Hapur, Shamli, Rampur, Kashganj,
Sambhal, Amroha, Hathras, Kanshi-
ramnagar, Saharanpur.
PATNA Office of the Insurance Ombudsman, 1st Floor, Kalpana Bihar, Jharkhand.
Arcade Building, Bazar Samiti Road,
Bahadurpur, Patna 800 006.
Tel.: 0612-2680952, Email: bimalokpal.patna@ecoi.co.in
PUNE Office of the Insurance Ombudsman, Jeevan Darshan Maharashtra, Area of Navi Mumbai
Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, and Thane excluding Mumbai Met-
N.C. Kelkar Road, Narayan Peth, Pune – 411 030. ropolitan Region.
Tel.: 020-41312555, Email: bimalokpal.pune@ecoi.co.in
Note: GOVERNING BODY OF INSURANCE COUNCIL, 3rd Floor, Jeevan Seva Annexe, S. V. Road,
Santacruz (W), Mumbai - 400 054. Tel.: 022 - 26106889/671/980, Fax: 022 - 26106949,
Email: inscoun@ecoi.co.in
Back to Index | 11

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MA Go Digit General Insurance Ltd.

N Name KHALID HUSSAIN MOHAMMAD Vehicle Registration No. GJ16BA2084

Mobile +919558711745 Partner Mobile No. 9490077318

IA112432391 2023-10-24 714.00 128.52 0.00 0.00 0.00 0.00 842.52

B LIABILITY PREMIUM (`)

Previous Insurer -- Previous Policy No. --

MA Go Digit General Insurance Ltd.

For & On Behalf of Go Digit General Insurance Ltd.

In case of claim or any other query, please

Hey, our document is now digitally signed

MA Go Digit General Insurance Ltd.

*For Office Use only: *For Partner Use Only:

1b Proposer’s PAN Number --

1d GST Number Unregistered

Address (where the ,Tonk District-304001

4 Type of Cover Liability Only Policy

From 09:27:51 25-Oct-2023

A (I). Personal Details of Proposer/Owner:

A (II). Vehicle Details

7 Date of Registration of the Vehicle 2012

8 Registering Authority & Location Bharuch,GUJARAT

10 Engine Number 67627

MA Go Digit General Insurance Ltd.

11 Chassis Number 61156

12 Make of the Vehicle HERO MOTOCORP

13 Model PASSION PRO

ELEC ST DRUM BRAKE

15 Cubic Capacity of the Vehicle 100

18 Whether the use of vehicle is limited to own premises? No

19 Whether the vehicle is used for commercial purpose? No

20 Whether the vehicle is used for driving tuitions? (GR-44) No

Details of Hire Purchase / Hypothecation / Lease (IMT-5)/(IMT-7)/(MT-6)

a) Is the vehicle proposed for insurance is:

i) Under Hire Purchase? No

21 ii) Under Lease Agreement? No

(iii) Under Hypothecation? No

b) If ‘YES’, give name and address of concerned party/parties:

Third Party Risks: Death/ Bodily Injury

(i) Owner Driver only No

(ii) Any person other than Paid Driver No

If ‘YES’, give details of such other persons

Third Party Risks: TPPD (IMT -20)

24 1) Drivers (No. of persons: )

2) Employees (Workmen) (No. of persons: )

B. Questions that provide additional covers as per IMT Endorsements

MA Go Digit General Insurance Ltd.

Additional Liability to Employee

Liability to Employees who are not Employee

Personal Accident Cover of Owner Driver

(a) Name of the Nominee & Age

(c) Name of the Appointee (If nominee is a Minor)

(d) Relationship to the Nominee:

PA Cover for Named Occupants

Sl no. Name CSI (Opted) (Rs.) Nominee Relationship

PA Cover for Un-Named Occupants

MA Go Digit General Insurance Ltd.

For Office Use only: For Partner Use Only: