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  Dear MR. KAMALUDDIN ,Greetings from Aditya Birla Capital!Welcome to the growing Aditya Birla Insurance Brokers  family! We thank you for choosing us as your preferred Insurance advisor. This insurance policy covers your vehicle against unforeseen losses, while also giving you a host of special benefits & option to choose the add on covers made available to suit your needs. The unique features of your comprehensive Ashok Leyland Insurance Program  are: 1. Cashless repairs across all Ashok Leyland Dealerships   Pan India! 2. Fast and hassle-free claim settlements! 3. Depreciation Cover (if opted) 4. Additional Towing Charges (if opted) 5. EMI Cover (if opted) What  s more, this package policy is recognized by Ashok Leyland  dealers across the country, thus leaving you with even less worries!Enclosed herewith are the following:  A Policy Schedule cum Certificate of Insurance , containing details of your vehicle insurance cover and premium calculation  A Policy Wordings  with Terms & Conditions, as per motor insurance policy For Detail Policy wording kindly refer respective Insurance Company websiteWe assure you with the best of our services at all times, and look forward to your continued support and patronage.Wishing you safe and worry-free journeys ahead!Sincerely,Aditya Birla Insurance Brokers Limited  IFFCO Tokio General Insurance Co. Ltd. Goods Carrying Vehicle - PACKAGE POLICY - Certificate Cum Policy Schedule Cum Receipt (FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989) Policy No 61007369 Proposal No. & Date P6167480, 05 Mar 2019 Policy Issued On 05 Mar 2019 5:44PM Period of Insurance 05 Mar 2019 5:44PM to 04 Mar 2020 11:59PM (Midnight) Insured Name MR. KAMALUDDIN Previous Policy No. NA Insured Add. S/O FAJRU 31 CHOPRA KE DHANI KHO NAGORIYAN JAGATPURA, JAIPUR , RAJASTHAN-301001 ,GSTIN No:N/A Previous Insurer NA Nominee NameAge 0 Relation --Select-- Servicing Office of Insurer: SCO     AMBALA , HARYANA-122002, (State Code-06)  PAN: AAACI7573H GSTIN : 06AAACI7573H1ZG MakeModelVariantCubic Capacity/GVWManufacturing YearSeating capacity ASHOK LEYLAND2518 XL2518 6X2 6600MM WB H ERIES BS42500020193 Vehicle TypeVehicle Sub ClassCarrier TypeFuel TypeEngine No.Chassis No. GOODS CARRYINGOPEN PUBLIC DIESELKHPZ107801MB1CTCHD6KPHH6938 Elec. AccessoriesNon-Elec. AccessoriesCNG/LPG KitRTORegistration DateReg No. 0 00JAIPURNew RMC S.No. Hypothecation/Lease* IDV of ChassisIDV of Body/RMCTrailerTotal IDV Yes2300001002300001 Schedule of Premium (Amount in Rs.)  Own Damage Premium (A)Liability Premium (B)Basic Premium Basic Third Party Liability 39,849 Vehicle 10,900 Third Party Liability For Bi-Fuel Kit 0 Trailer (IMT - 30) 0 Compulsory PA Cover For Owner Driver Of Rs. 0 0 Non-Elec. Accessories (IMT-24) 0Legal liability to Driver (1) / Cleaner (0) / Helper (1) / Conductor (1) (IMT - 28)150 Elec. Accessories (IMT-24) 0 PA Cover For Persons other than Owner Driver 0 CNG/LPG Kit (IMT - 25) 0  IMT - 34 TP 0 Sub Total (Basic Premium) 10,900  Non Fare Paying Passenger (0) 0 Geographical Area Extension (IMT-1) 0  Geographical Areas Extention 0 IMT - 23 1635  Trailer IMT 30 0 IMT - 340 Net Liability Premium (B) 39999 Total Premium (A+B) 52,534 Add On 0 OD IGST (18.00%)TP IGST (12.00%) 22844782 Total Add On 0 Gross Premium Paid 59,600 Sub Total-Addition 12,535 Note: 1.Policy issuance is subject to realization of cheque Deductibles Consolidated stamp duty paid to state exchequer No Claim Bonus (0%) 0 3.The policy is subject to compulsory deductible of Rs.1500 (IMT-21) Sub Total (Deductibles) 0 4.Geographical Area-India Net Own Damage Premium (A) 12,535 *Subject to IMT Endt. Nos.& Memorandum:7,23,28 Limitations as to use:  The Policy covers use only under a permit within the meaning of the Motor Vehicle Act, 1988 or such a carriage falling under Sub-section 3 of Section 66 of the Motor Vehicle  s Act 1988.The Policy does not cover use for a)Organised racing b) Pace Making c)Reliability Trials d)Speed Testing. Driver  s Clause:  Any person including the insured: Provided that the person driving holds an effective driving license at the time of the accident and is not disqualified from holding or obtaining such license. Provided also that the person holding an effective learner  s license may also drive the vehicle & that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicle Rules, 1989. Limits of Liability Clause: 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. Under Section II -1(ii) of the Policy - Damage to Third Party Property   Rs.750,000 - In respect of any one claim or series of claims arising out of one event. Personal Accident cover for Owner - Driver under section IV: Capital Sum Insured (CSI) - 1500000.0/-. Disclaimer: The Compulsory Personal Accident cover has not been opted in this policy as the owner does not have a valid driving license. Grievance Clause:  For resolution of any query or grievance, Insured may contact the respective branch office of the company or may call at18001035499 or may write an email at ( In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at ( the event of unsatisfactory response from the Grievance Office, he/she may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance. Details of Insurance Ombudsman offices are available at IRDA, or on the website of General Insurance Council: or on the company website ( The Policy wording is available on request at free of cost. The Same can be downloaded from our Website ( HP/Lease/Hire Pur. Agreement with: HINDUJA LEYLAND FINANCE LTD , GURGAON - GURGAONMISP Code: AB-MAL000054, MISP Name: HIMGIRI AUTOMOBILES PVT. LTD,DP Name: ANUJ PANDEY, DP Code: -For Claim Assistant Contact-18001035499Important Notice:  The insured is not indemnified, if the vehicle is used or driven otherwise than in accordance with the schedule. Any payment made by the company by reasons of wider terms appearing in the certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from the insured. See the clause headed  AVOIDANCE OF CERTAIN TERMS & RIGHT OF RECOVERY  For legal interpretation, English version will hold good.. SAC No: 997134 Description of service : Motor Insurance Place of supply: RAJASTHAN(State Code-08)   I/we hereby certify that the policy to which this certificate relates as well as this certificate of insurance are issued in accordance with the provisions of Chapter X and Chapter XI of Motor Vehicle Act, 1988 For & On Behalf of IFFCO Tokio General Insurance Co. Ltd.  Authorized Signatory Broker Name & Add : Aditya Birla Insurance Brokers Limited,Regd. Office: Indian Rayon Compound, Veraval - 362 266. Corporate Office: One Indiabulls Centre, Tower 1, 14th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Tel: +91-22-43568585 Fax: +91-22-4356 8511 License Number: 146 CIN: U99999GJ2001PLC062239 . Broker Code :10000001926Receipt No :  , Payment Mode : Dealer  s Cheque/ DD For Renewal  - please contact Insurance.Co./ Broker through : HIMGIRI AUTOMOBILES PVT LTD GURGAON at 000-77777777    As a responsible broker, we take a complete systematic approach to ensure that the motor insurance opted by you meets their requirements and triggers the best way at the time of need.Policy Cover- Loss or damage to your vehicle or the accessories due to:IDV for the vehicle of age exceeding 5 years would be determined mutually by insurer and insured.Schedule of depreciation for fixing IDV   of the vehicle- 50% for all rubber/nylon/plastic parts, tyres, tubes, batteries and air bags - 30% for all fiber glass components - Nil for all parts made of glass Natural Calamities:  Fire, explosion, self ignition or lightning, earthquake, flood, typhoon, hurricane, storm, In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide. Man-made Calamities: - Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, etc.In the case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation.(Applicable for policies with risk inception date on or after 1st February 2013).For all other parts depreciation rate is applicable as following:- Personal Accident cover for individual owners of the vehicle while driving. Age of the vehicle% of Depreciation - Legal Liability due to accidental damage for any permanent injury/death of a personNot exceeding 6 monthsNil- Any damage caused to the property Exceeding 6 months but not exceeding 1 year5%Exceeding 1 year but not exceeding 2 years10% Optional Extensions Exceeding 2 years but not exceeding 3 years15%- Loss of Electrical/Non-Electrical accessories- Legal Liability to paid driver, cleaner or any workmanExceeding 3 years but not exceeding 4 years25%- Personal Accident cover for the occupantsExceeding 4 years but not exceeding 5 years35% Other Salient Features Exceeding 5 years but not exceeding 10 years40%- No Claim Bonus available on subsequent renewals in lieu of claims free experienceExceeding 10 years50%- Discount for installation of approved anti-theft devices Add On Cover - Depreciation is applicable for the parts needing replacement in accident What is not covered in the Policy? - Mechanical/Electrical breakdown, manufacturing defect- Consequential loss, depreciation, wear & tear- Any contractual liability- Intoxicated driving- Deliberate accidental loss- Damages due to nuclear weapons material or war- Accidents outside the Geographical Area- Policy Excess Schedule of DepreciationSchedule of depreciation for fixing IDV of the vehicle Depreciation Cover - If opted, the benefits and exclusions   applicable as per insurance company's rules & regulations.- No depreciation charges to the customer if the vehicle is repaired at authorized garagesNil depreciation on metal partsNil depreciations on plastic parts (other insurance companies plastic parts attracts 50% depreciation)- This cover is available only at time of purchase & cannot be incorporated in the middle of the year- In the event of complete loss of the insured vehicle (Constructive Total Loss or Total Loss), no payment shall be made under this add-on.- For any claim to become payable under this cover, it should be admitted under Section I   Loss or damage to the vehicle insured of motor comprehensive policy- Normal wear and tear not included in this cover.- Premium rate depends on vehicle model, territory & age of vehicle Age of the vehicle% of DepreciationExtra Towing Charge Reimbursement: If opted, the cost of    extraction and/or towing the vehicle to the nearest Ashok Leyland dealership is reimbursed up to Rs.22,500/-.Not exceeding 6 months5%For any claim to be payable under this cover, it should be admitted under Section I   Exceeding 6 months but not exceeding 1 year15%   Loss or damage to the vehicle insured  of motor comprehensive policy.Exceeding 1 year but not exceeding 2 years20% EMI Protector: If opted, the repair of the accident vehicle takes   more than 30 days, 1 EMI will be payable and if the repair takes more than 60 days, 2 EMIs areExceeding 2 years but not exceeding 3 years30% payable under this cover. The EMI will be paid directly to the financier who has a lien over the policy and will be paid after the repairs have been completed. Exceeding 3 years but not exceeding 4 years40%This will not include any penalties, charges, fees levied by the financier. For any claim to be payable under this cover, it should be admitted under Exceeding 4 years but not exceeding 5 years50%Section I    Loss or damage to the vehicle insured  of motor comprehensive policy. Note: If Add-on covers have been opted for in the policy, a   maximum of two claims will be processed for benefits accruing out of the add-on covers. Subsequent claims in the policy period will be processed as per the normal insurance covers without the add-on benefits.
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