Dear MR.

ZILU VISHWAS SHETYE KORGAONKAR ,

Welcome to the world of Aditya Birla Capital!
We thank you for the trust you have shown by making us your preferred choice for your protecting needs. It͛s our pleasure to have you
as a valued customer. Aditya Birla Capital͛s protecting solutions enable you to protect against risks to you and your vehicle.

In case of any unforeseen event of a claim, just inform the customer care centre of the insurance company and visit the nearest
preferred workshop and they will ensure fast and hassle-free cash-less claim settlements across the country in preferred garages.
Admission and settlement of claim is at the sole discretion of the insurance company.
Enclosed herewith are the following:

‡ A Policy Schedule cum Certificate of Insurance, containing details of your vehicle insurance cover and premium calculation
‡ Summary of policy terms & conditions.

We hope that you were satisfied with all the insurance company options that were presented to you by your dealer and policy was
issued as per your choice of insurer.
Meeting your life͛s money needs
Our purpose at Aditya Birla Capital is to make money matters simpler to understand to help you live the life you imagined. Therefore, all
ƚŚĞĮŶĂŶĐŝĂůƐĞƌǀŝĐĞƐďƵƐŝŶĞƐƐĞƐŽĨĚŝƚLJĂŝƌůĂ'ƌŽƵƉǁŝůůŶŽǁƐĞƌǀĞ/ŶĚŝĂĂƐŽŶĞďƌĂŶĚʹAditya Birla Capital. One trusted name you can
rely on to understand and meet all your money needs throughout your life.

While you have availed our Protecting solution through, Aditya Birla Capital also offers to help you in Investing prudently for your future
to enable you to live the life you aspire. Financing your life͛s immediate desires and fueling your ambitions without having to wait and in
Advising the right solutions for your needs throughout your life.
We assure you of the best customer service always.
Looking forward to a long and successful journey ahead!

Yours sincerely,

Aditya Birla Insurance Brokers Limited

 Go Digit General Insurance Ltd.
DIGIT TWO-WHEELER STAND-ALONE OWN DAMAGE POLICY
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989)
UIN No : IRDAN158RP0003V01201920

OD policy No. D173871306 Policy Type : R Proposal No. & Date PR560267, 12 Nov 2024
Policy Issued On 12 Nov 2024 12:52PM Period of Own Damage Cover 12 Nov 2024 11:13AM to 11 Nov 2025 11:59PM(Midnight) - 1 Year
Liability policy start
Insured Name MR. ZILU VISHWAS SHETYE KORGAONKAR 05 Sep 2022 10:40AM
date/time
H.NO 313, MAZIL WADA, REVORA, COLVALE,
Insured Add. BARDEZ, NORTH GOA , MAPUSA , GOA-403513 Liability policy end date/time 04 Sep 2027 11:59PM(Midnight)
GSTIN No:
Liability policy insurance Go Digit General Insurance Ltd. / D075108800/D075108800
Invoice Date 30 Aug 2022 company/OD Policy no./TP
Policy no.
PAN: POWPS2567K Service Tax Code No: NA
Servicing Office of
7th floor, 719, Gera Imperium Grand, Patto Plaza, Panaji-Goa 403001,,,GOA , GOA-403001,GSTIN No:30AACCO4128Q1ZD(STATECODE:30)
Insurer:
INSURED MOTOR VEHICLE DETAILS INSURED DECLARED VALUE (IDV) (in Rs.)
Make ATHER Vehicle IDV 90000
Model-Variant 450 X Non-Elec. Accessories 0
Registration No.-RTO GA03AG1024- MAPUSA Elec. Accessories 0
Mfg Year-Body Type 2022- SCOOTER Total IDV
90000
Engine -Chassis No. ABHNX021203- MYHAAACA9NBH08489
KW-Seating capacity 6.00- 2 Fuel Type : ELECTRIC
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A)
Basic Premium Amount(Rs) Deductibles Amount(Rs)
Vehicle 1,509 Voluntary Deductibles (0) (IMT-22A) 0
Non-Elec. Accessories 0 Anti Theft Device (IMT-10) 0
Elec. Accessories (IMT-24) 0 AA Membership (IMT-8) 0
Sub Total (Basic Premium) 1,509 No Claim Bonus (0%) 0
IMT-33 0 Sub Total (Deductibles) 0
Geographical Area Extension (IMT-1) 0 Net Own Damage Premium (A) 2,409
Add On Coverages (NIL DEP) 900
Total Premium (A) 2,409
SGST(9%) 217
CGST(9%) 217

Gross Premium Paid 2,843

Addon UIN:
We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms
of the provisions of the said sub-rule.
Note: 1.Policy issuance is subject to realization of cheque 2.Consolidated stamp duty paid to state exchequer. 3.The policy is subject to compulsory deductible of Rs.100 (IMT-22).4.Geographical Area-India.5.The insurance company
will display terms & conditions on its website 5.Consolidated Stamp duty Paid vide Letter of Authorisation No. CSD/242/2021/542 dated 12th Feb 2021** Not Applicable for the State of J&K which can be accessed by you online.
*Subject to IMT Endt. Nos.& Memorandum:22
Tenure 12 Nov 2024 to 11 Nov 2025 - - - -
Total IDV 90,000 0 0 0 0
Nominee Name Age --N.A-- Relation

Limitations as to use: The policy covers use of the vehicle for any purpose other than (1) Hire or Reward (2) Carriage of goods (other than samples or personal luggage) (3) Organized racing
(4) Pace making (5) Speed testing (6) Reliability trials (7) Any purpose in connection with motor trade.
Disclaimer:This policy covers damages to vehicle only and not the Third Party losses. Third Party cover is taken by the customer in previous policy, details of which are as per the customer
declaration only. Customer needs to ensure that there is a valid TP cover at all times.Own Damage Cover is subject to a valid Third Party Policy.
Note:Own Damage Cover is subject to a valid Third Party Policy.
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.
No Claim Bonus: The insured is entitled for a No Claim Bonus (NCB) on the own damage section of the policy, if no claim is made or pending during the preceding year(s)-20%, preceding two
consecutive years-25%, preceding three consecutive years-35%, preceding four consecutive years-45%, preceding five consecutive years-50% of NCB on OD Premium. NCB is allowed provided the
policy is renewed within 90 days of the expiry date of the previous policy.
Hypothecation Details: ----NA----
POSP Name : Aadhar Card Number : License Number :
MISP Code : AB-MRT000399 MISP Name : EVELOCITY AUTO PRIVATE LIMITED DP Name : REUBEN RAMESH KAREKAR DP CODE : AB-DPRT000391 Aadhar Card Number :
********1115
Important 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 ³AVOIDANCE OF CERTAIN TERMS & RIGHT OF
RECOVERY´For legal interpretation, English version will hold good.
Grievance Clause:For resolution of any query or grievance, Insured may contact the respective branch office of the company or may call at(18002585956)or may write an email at
(grievance@godigit.com). In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at() .In 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 website:www.godigit.com , or on the website of General Insurance Council: or on the company website. The policy wording with detailed terms, conditions and
exclusions are available on our website.

HSN : 997134,Description of Service : Motor Insurance,Place of Supply : 7th floor, 719, Gera Imperium Grand, Patto Plaza, Panaji-Goa 403001,,,GOA , GOA-
403001,GSTIN:30AACCO4128Q1ZD(State Code :30),Invoice Number : IA154279091
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 Go Digit General Insurance Ltd.

Authorized Signatory
Broker's Name & Add. :Aditya Birla Insurance Brokers Limited,, IRDA License Number 146, Broker Code :10000001926
 For Renewal/Claims Assistance - Please contact Insurance.Co. on 1802585956

Natural Calamities: Fire, explosion, self ignition or lightning, earthquake, In the case of painting, the depreciation rate of 50% shall be applied only on the
flood, typhoon, hurricane, storm, material cost of total painting charges.

tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

In the case of a consolidated bill for painting charges, the material component shall be
Man-made Calamities: considered as 25% of total painting charges for the purpose of applying the
- Burglary, theft, riot, strike, malicious act, accident by external means, terrorist depreciation.(Applicable for policies with risk inception date on or after 1st February
activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, 2013).
etc. For all other parts depreciation rate is applicable as following:

- Age of the vehicle % of Depreciation

- Not exceeding 6 months Nil
-
Exceeding 6 months but not exceeding 1 year 5%
- Any damage caused to the property
- Towing charges up to Rs.300 Exceeding 1 year but not exceeding 2 years 10%

Optional Extensions Exceeding 2 years but not exceeding 3 years 15%

- Loss of Electrical/Non-Electrical accessories

Exceeding 3 years but not exceeding 4 years 25%
- Legal Liability to paid driver, cleaner or any workman
- Personal Accident cover for the occupants
Exceeding 4 years but not exceeding 5 years 35%

Other Salient Features

Exceeding 5 years but not exceeding 10 years 40%

- No Claim Bonus available on subsequent renewals in lieu of claims free

Exceeding 10 years 50%
experience
- Discount for opting higher voluntary excess Add On Cover
- Discount for installation of approved anti-theft devices If opted, the benefits and exclusions applicable as per insurance company's rules &
- Discount for AAI membership regulations.
- Depreciation is applicable - No depreciation charges to the customer if the vehicle is repaired at authorized
for the parts needing replacement in accident garages
Nil depreciation on metal parts
What is not covered in the Policy? Nil depreciations on plastic parts (other insurance companies plastic parts attracts
- Mechanical/Electrical breakdown, manufacturing defect 50% depreciation)
- Consequential loss, depreciation, wear & tear - This cover is available only at time of purchase & cannot be incorporated in the
- Any contractual liability middle of the year
- Intoxicated driving - In the event of complete loss of the insured vehicle (Constructive Total Loss or
- Deliberate accidental loss Total Loss), no payment shall be made under this add-on.
- Damages due to nuclear weapons material or war - For any claim to become payable under this cover, it should be admitted under
- Accidents outside the Geographical Area Section I ±"Loss or damage to the vehicle insured" of motor comprehensive policy
- Policy Excess - Normal wear and tear not included in this cover.
- Premium rate depends on vehicle model, territory & age of vehicle
Schedule of Depreciation
Schedule of depreciation for fixing IDV of the vehicle

Disclaimer: The Policy shall be void from inception if the premium in full i s not realised by the company. In the event of misrepresentation, fraud or non-disclosure of material fact, the
Company reserves the right to cancel the Policy. Please note that the insured vehicle was pre-inspected and a report was prepared accordingly. The existing damages to the vehicle as
mentioned in the report shall not be paid by the Company. The policy is issued basis the information provided by you, which is available with the company. In case of discrepancy or non
recording of relevant information in the policy, the insured is requested to bring the same to the notice of the company within 15 days. GST for this invoice is not payable under reverse
charge basis.
Transcript Declaration : In case disagreement or objection or any other changes with respect to information and contents mentioned herein above,please contact our toll free number
and register your objections / changes / disagreement to the conte nt of this transcript or you may also send us email or written correspondence at the following details within a period of
15 days from date of your receipt of this transcript along.
Anti rebate clause : Prohibition of Rebates (Section 41 of Insurance Act, 1938 as amended) : 1. No person shall allowo r 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 or continuing a policy accept any rebate, except such
rebate as may be allowed in accordance with the published prospectuses or tables of the insurer: provided that acceptance by an insurance agent of commission in connection
with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the
time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. 2. Any person
making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

This will not include any penalties, charges, fees levied by the financier. For any claim
Age of the vehicle % of Depreciation
to be payable under this cover, it should be admitted under

Not exceeding 6 months 5% Section I ±³Loss or damage to the vehicle insured³of motor comprehensive policy.

Note: If Add-on covers have been opted for in the policy, a maximum of two claims
Exceeding 6 months but not exceeding 1 year 15% 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
Exceeding 1 year but not exceeding 2 years 20%
covers without the add-on benefits.

Exceeding 2 years but not exceeding 3 years 30%

Exceeding 3 years but not exceeding 4 years 40%

Exceeding 4 years but not exceeding 5 years 50%