Bajaj Allianz General Insurance Company Ltd.

Registered and Head Office: Bajaj Allianz House, Airport Road, Yerwada, Pune

Transcript of Proposal for Private Car Policy - Bundled

Dear AJAY YADAV,

We wish to inform you that the contract under policy number 'OG-25-1021-1825-00037676' has been finalized based on the
information and declaration given by you, the transcript whereof is mentioned below. You are requested to reconfirm the same.
In case of any disagreement or objection or any changes with respect to information mentioned below, we request you to
please revert back within a period of 15 days from date of your receipt of this, failing which it will be deemed that you are
satisfied with the correctness of the details mentioned below. Kindly note that as the contents and declarations contained in this
transcript is the basis on which we have issued the policy to you, we advise you to please ensure that you have
provided/disclosed and or not withheld any material facts/information and declarations, as Policy becomes Void ab initio if
material facts are not provided/disclosed and or withheld and in such case no claim, if any, will be considered by us apart from
forfeiture of the premium.
Details provided by you:

A. Proposer details
1. Proposer Name : AJAY YADAV
2. Proposer Address : S/O JAGDISH YADAV R/O RAIPUR, AHEERAN
, , JHUNJHUNU, RAJASTHAN-333515
3. Proposer Mobile Number :
4. Proposer Residential Number : NA
5. Proposer e-mail id : NA
6. Proposer Profession : NA

B.Vehicle Details
Registration Month / Year Vehicle Vehicle Vehicle Sub Cubic Capa- Fuel Type Year of Man- Seating Ca-
Number of Regn Make Model Type city/Kilowatt ufacture pacity
NEW OCT/2024 KIA MO- SONET 1.2 MPI 1197 Petrol 2024 5
TORS SMAST-
STREAM
5MT HTK
(O) PETROL

Engine Number Chassis Number Vehicle IDV (in Electrical Non-Electrical CNG/LPG Unit Total IDV (in
Rs.) Accessories Accessories (Extra fitted) Rs.)
IDV (in Rs.) IDV (in Rs.) IDV (in Rs.)
G4LFRV473212 MZBFB812LRN 8,91,955.00 0 0 0 8,91,955.00
460603
 C. Coverage opted

1. Period of Insurance
For Own Damage Section From 25-OCT-2024 19:28(Hrs) To 24-OCT-2025 Midnight
For Third Party Liability Section From 25-OCT-2024 19:28(Hrs) To 24-OCT-2027 Midnight
2. Is your vehicle fitted with external LPG/CNG kit : No.
3. Electrical Accessories cover Opted (If Applicable) : No.
4. Non - Electrical Accessories cover Opted (If Applicable): : No.
5. Is Voluntary Excess opted : No.
Amount of voluntary excess opted : Rs.NA.
6. Whether PA cover is opted for owner-driver : Yes.
7. compulsory deductible : Rs.1,000.00
8. Is any additional compulsory deductible imposed and agreed upon : Yes.
Amount of additional compulsory deductible imposed : Rs.
9. Whether geographical area extension is opted : No.
Details of Countries to which geographical area extension cover is given : NA.
10. Is LL to person for Paid driver/Operation/Maintenance opted : Yes.
11. Whether PA cover is opted for paid driver other than owner driver : Yes.
Sum Insured for Paid Driver : Rs. 1,00,000.00
12. Whether PA cover is opted for passengers : Yes.
Sum Insured per Passenger : Rs.1,00,000
13. Is TPPD restricted to statutory limit of Rs.6,000? : No.
14. Pre Existing damages in the vehicle : NA.
15. 1 Premium for Liability coverage, quoted and agreed upon is :
16. 1 Premium for OD coverage, quoted and agreed upon is :
17. Do you have valid PUC certificate of the vehicle : NA
18. Do you have valid Fitness certificate of the vehicle : NA
19. Total Premium (excluding Goods and Service Tax (GST)) for Liability and OD coverages, quoted and agreed upon is
:
20. NCB (No Claim Bonus) claimed by you and granted by us based on your declaration of no claim during your previous
previous policy : 0 %.
21. About the last insurance company
(i) Insurance Provider : .
(ii) Previous Policy No : NA , Previous Policy Expiry Date : NA
22. Whether your vehicle is Hypothecated and if so the details of Pledgee whose name is registered by us : Yes.
Name of Pledgee : MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD.
23. Add on Cover(s) optedm2 : Yes, Plan Name:Depreciation Shield And Consumable Expenses And Engine Protectork And
Tyre Safeguard - Personal Baggage Cover Plan Description: tyre safeguard , consumable expenses , depreciation shield ,
engine protector , ,personal baggage cover with sum insured Rs.75000 Tyre 1:NA,Tyre 2:NA,Tyre 3:NA,Tyre 4:NA,Tyre
5:NA
Please call us on 1800 103 5858 for any emergency.

24. To support our Go Green initiative, send policy copy link on registered mobile number / email id:

Please note Cover Note No. PRDKIA11177685 issued to you basing on the above information.
In case of Disagreement or objection or any changes with respect to information and contents mentioned hereinabove, please
contact our toll free number & register your objections/changes/disagreement to the contents 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 with Policy:
I/We hereby unconditionally allow the Company to share all my / our information being collected in this proposal form or
through telephonic / email / web-inputs means or other means, as updated from time to time within group entities.
Toll free Number : 1800-102-5858,1800-209-5858
Email address : Bagichelp@bajajallianz.co.in
Website : www.bajajallianz.com
Contact our policy servicing branch at: Vedanta Height, AMC No. 1738-A, First Floor,, Infront of Shiv Mandir, Krishna Ganj,
Anasagar,, Makarwali Road., , AJMER-305004 PH:0145-5132332/42/9929433368.
INSURANCE ACT, 1938 SECTION 41 - PROHIBITION OF REBATES
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.
ANY PERSON IN BREACH OF COMPLYING WITH THE PROVISIONS OF THIS SECTION SHALL BE PUNISHABLE
WITH FINE WHICH MAY EXTEND TO RUPEES TEN LAKH.Bajaj Allianz General Insurance Co Ltd
  

BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED

Regd. Office & Head Office: Bajaj Allianz House, Airport Road, Yerwada,Pune-411006(India)
IRDAI Registration No. 113
Corporate Identity Number: U66010PN2000PLC015329
Certificate of Insurance ( Private Car Policy - Bundled)

UIN : IRDAN113RP0007V01201819
Policy Number: OG-25-1021-1825-00037676 Customer ID: 450841125
Particulars of Vehicle Insured:
Registration Number Place of Registration Engine Number Chassis Number Make & Model
NEW RJ18-JHUNJHUNU G4LFRV473212 MZBFB812LRN4606 KIA MOTORS - SON-
03 ET

Sub Type Year of Mfg NCB % CC Seating Capacity

1.2 MPI SMASTSTREAM 5MT HTK (O) PET- 2024 0 1197 5
ROL

Name of Registration Authority : RJ18-JHUNJHUNU

Name and Address of Insured : AJAY YADAV
: S/O JAGDISH YADAV R/O RAIPUR, AHEERAN, ,
JHUNJHUNU, RAJASTHAN-333515
Geographical Area : .00
Business or Profession : NA
Effective date of commencement of Insurance for the purpose of act:
For Own Damage Section From 25-OCT-2024 19:28(Hrs) To: 24-OCT-2025 Midnight
For Third Party Liability Section From 25-OCT-2024 19:28(Hrs) To: 24-OCT-2027 Midnight
Persons or Class of Persons entitled to drive:
Any person including the insured:
a) Provided that a person driving holds an effective driving license at the time of the accident and is not disqualified from
holding or obtaining such a license.
b) 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 Central Motor Vehicles Rules, 1989.
IMT-Endorsements/Add on Package
22, 7, 16, 17, 28, 29 & Plan Name:Depreciation Shield And Consumable Expenses And Engine Protectork And Tyre
Safeguard - Personal Baggage Cover & Plan Description: tyre safeguard , consumable expenses , depreciation shield , engine
protector , ,personal baggage cover with sum insured Rs.75000
Beneficier Details:
Beneficier1 Beneficier2 Beneficier3 Beneficier4 Beneficier5

Limitations as to Use:
The Policy covers use for any purpose other than
a) Hire or Reward, b) Carriage of goods (other than samples or personal
luggage), c) Organized racing, d) Pace Making, e) Speed testing, f)
Reliability Trials, g) Any purpose in connection with Motor Trade
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 provi-
sions of Chapter X and Chapter XI of M.V. Act, 1988.
Policy issuing office and correspondence address for communication by holder of Certificate of Insurance for claim,
service request, notice, summons, etc:
Vedanta Height, AMC No. 1738-A, First Floor,, Infront of Shiv Mandir, Krishna Ganj, Anasagar,, Makarwali Road., ,

For help and more information:

Contact our 24 Hour Call Centre at 1800-102-5858, 1800-209-5858, Toll Free: 30305858( chargeable, add area code before this number in case of mobile call) Email us at
Bagichelp@bajajallianz.co.in or Visit our Website www.bajajallianz.com
Corporate Identification Number U66010PN2000PLC015329
Latest Schedule - 06-Nov-2024 12:00:52 PM- Silent_Printing (Web) (RJ303)
AJMER-305004 PH:0145-5132332/42/9929433368
Date of issue :25-OCT-2024
For & On Behalf of
Bajaj Allianz General Insurance Company Ltd.

Authorized Signatory
  

BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED

(A Company incorporated under Indian Companies Act, 1956 and licensed by Insurance Regulatory and Development Authority of
India [IRDA] vide Reg No.113)
Regd. Office: Bajaj Allianz House, Airport Road, Yerwada,Pune-411006(India)
PRIVATE CAR POLICY - BUNDLED SCHEDULE
UIN : IRDAN113RP0007V01201819
Policy issuing office and Correspondence address for communication by policyholder for claim, service request, notice, summons, etc:
Vedanta Height, AMC No. 1738-A, First Floor,, Infront of Shiv Mandir, Krishna Ganj, Anasagar,, Makarwali Road., , AJMER-305004
PH:0145-5132332/42/9929433368
INSURED DETAILS POLICY DETAILS
Insured Name AJAY YADAV Policy Number OG-25-1021-1825-00037676
S/O JAGDISH YADAV R/O RAIPUR, Policy Issued on 25-OCT-2024 22:40 PM
Insured AHEERAN , , JHUNJHUNU, RA-
JASTHAN-333515 For Own Damage Section
Address
Geographical From : 25-OCT-2024 19:28 (Hrs)
India
Area To : 24-OCT-2025 Midnight
Customer ID Policy Period For Third Party Liability Section
450841125
From : 25-OCT-2024 19:28 (Hrs)
Bank Reference
No 1 To : 24-OCT-2027 Midnight
Cover Note
GSTIN / UIN NA PRDKIA11177685
Details
Place of Supply/ 08 - Rajasthan
State Code/Name Previous Policy No 0

Invoice No 437657830/1

Company GST No 08AABCB5730G1ZX

Company PAN AABCB5730G

Make & Mod-

Registration Number Place of Registration Engine Number Chassis Number SubType
el
1.2 MPI
SMAST-
MZBFB812LRN46 KIA MOTORS
NEW RJ18-JHUNJHUNU G4LFRV473212 STREAM
0603 - SONET
5MT HTK (O)
PETROL
Year Of Manufactur- Trailer Registra-
NCB % CC/KW Seating Capacity Hypothecation Details
ing tion Number
MAHINDRA AND
0 1197 5 2024 -,- MAHINDRA FINANCIAL
SERVICES LTD
Non electrical Electrical/Elec- Value of CNG/
Vehicle IDV Value For Trailers Total Value
accessories tronic accessories LPG kit
8,91,955.00 0 0 0 0 8,91,955.00
Own Damage Premium(Rs.) Liability Premium(Rs.)
Own Damage Premium Basic Third Party Liability 10,640.0
13,445.00 0
Special Discount 0.00 PA Cover for Owner-Driver - SI - Rs.1500000 1,677.00
Total OD Premium - A Period: From 25-Oct-2024 To 24-OCT-2027
For help and more information:
Contact our 24 Hour Call Centre at 1800-102-5858, 1800-209-5858, Toll Free: 30305858( chargeable, add area code before this number in case of mobile call) Email us at Ba-
gichelp@bajajallianz.co.in or Visit our Website www.bajajallianz.com
Corporate Identification Number U66010PN2000PLC015329
Latest Schedule - 06-Nov-2024 12:00:52 PM- Silent_Printing (Web) (RJ303)
  

13,445.00 LL to employee other than paid driver/cleaner 750.00

Total Premium (Net Premium) (A+B) (IMT 29)
27,562.00 PA cover for 1 Paid Driver(s) of Rs.100000 150
State GST (9%) 2,481.00 each
Central GST (9%) 2,481.00 LL to person for Paid driver/Opera- 150.00
tion/Maintenance
Final Premium ( Rupees Thirty Two Thousand Five PA Cover For 5 Passenger Of Rs. 100000 each 750.00
Hundred Twenty Four Only ) 32,524.00 Total Act Premium - B 14,117.0
0

**Note: The above Total OD Premium is inclusive of all applicable Loading /Discounts viz (Automobile association membership, Voluntary Excess,
Anti Theft, Handicap Person, Driver Tuition, Fiber Glass, CNG/LPG Unit, Geographical Extension, Imported Vehicle Etc. wherever Applicable)

As per the GST regulations, the amount of GST will not be refunded if the policy / endorsement is cancelled after 30th September of the next financial year
I/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.
Tyre Details
Tyre 1 Tyre 2 Tyre 3 Tyre 4 Tyre 5
NA NA NA NA NA

Broker Code 29391019 Contact No. 180026669666/180026669666

Broker Name SMC INSURANCE BROKERS PVT LTD
E-Mail ID. Support@kiasafety.com

Limitation as to Use The Policy covers use of the vehicle for any purpose other than : Hire or reward, Carriage of
goods( other than samples or personal luggage),Organised racing,Pace making, Speed testing,
Reliability trials. Any purpose in connection with Motor Trade.
Driver Any person including the insured provided that a person driving holds an effective driving li-
cense 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
when not used for the transport of goods/passengers at the time of the accident and that such a
person satisfies the requirements of Rule 3 of the Central Motor Vehicle Rules, 1989.
Limits of Liability Under section II-I(i) of the policy -> Death of or bodily injury : Such amount is necessary to meet
there requirements of the Motor Vehicles Act,1988. Under section II-I(ii) of the policy -> Dam-
age to Third Party Property : Rs. 7,50,000.00
Existing Damage Details
Nominee Details Name :NA - Relationship :NA
Subject to Warranties/ 22, 7, 16, 17, 28, 29 & Plan Name:Depreciation Shield And Consumable Expenses And Engine
IMT-Endorsements/ Protectork And Tyre Safeguard - Personal Baggage Cover & Plan Description: tyre safeguard ,
Add on Package consumable expenses , depreciation shield , engine protector , ,personal baggage cover with sum
insured Rs.75000
Additional Details Coinsurance Details: - . Transaction Id: -
Premium Details Receipt No. 1406-00026732, Date 25-OCT-24 ** If Premium paid through Cheque, the Policy is
void ab-initio in case of dishonour of Cheque.
Excess Details Compulsory Excess: Additional Excess: Rs. Voluntary Excess: Rs..00
Rs.1,000.00
Theft Excess: Rs.0
IMPORTANT NOTICE : 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 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 AND RIGHT OF RECOVERY.
It is mandatory to keep your policy with updated contact (Mobile No., Email ID and PAN Card) and bank account details, to process any of
your service requests faster and hassle-free in future.
You can update the same through Caringly yours App {Link}, WhatsApp Service { Say Hi on WhatsApp - +91 75072 45858}, Contact our
24-Hour Call Center at 1800-209-5858, 1800-102-5858, Give a Missed Call on 8080945060, SMS WORRY to 575758, Email ba-
gichelp@bajajallianz.co.in, website {http://www.bajajallianz.com}, contact your agent or nearest branch.
For & On Behalf of
Bajaj Allianz General Insurance Company Ltd.
  

Stamp
Duty Rs.
0.50

Authorized Signatory
This document is digitally signed, hence counter signature / stamp is not required.
Consolidated Stamp Duty of Rs. 0.50/- paid for insurance policy stamps vide Order No. CSD/36/2024-25/2886 dated 01-AUG-24 of General Stamp Office, Mumbai, India.

Principal Location : 4, Hathroi Fort, 2nd and 3rd Floor, Gopal Bari, Ajmer Road, Jaipur - 302001 PH:01415151300 | Services Account-
ing Code : 997134 - Motor vehicle insurance services. No reverse charge is payable on these services.

For help and more information:

Contact our 24 Hour Call Centre at 1800-102-5858, 1800-209-5858, Toll Free: 30305858( chargeable, add area code before this number in case of mobile call) Email us at Ba-
gichelp@bajajallianz.co.in or Visit our Website www.bajajallianz.com
Corporate Identification Number U66010PN2000PLC015329
Latest Schedule - 06-Nov-2024 12:00:52 PM- Silent_Printing (Web) (RJ303)
 Bajaj Allianz General Insurance Company Ltd.
Vedanta Height, AMC No. 1738-A, First Floor, Infront of Shiv Mandir, Krishna Ganj, Anasagar, Makar-
wali Road., AJMER - 305004
Contact No:Contact No: 0145-5132332/42/9929433368,9929433368 and 9829258381

RECEIPT

Receipt Number 1406-00026732

Receipt Date 25/10/2024
Business Channel MD

Received with thanks from AJAY YADAV

(Customer ID : 450841125 ) a total sum of Rupees Thirty Two Thousand Five Hundred Twenty
Four Only by,

Instrument Instrument No. Instrument Bank Name Branch Name Amount

Type Date
Online Pay- 79055517472 25/10/2024 HDFC BANK LTD MUM- 32,524
ment BAIPRDKIA11177
685

Total Amount Rs. 32,524.00

Issuance of this receipt does not amount to acceptance of the risk by Bajaj Allianz General In-
surance Company Limited. The insurance cover for the risk shall be as per the terms and con-
ditions of the Insurance Policy if and when issued.
* Cheque/DD/PO receipt is valid subject to realisation of the instrument.

For & on behalf of

Bajaj Allianz General Insurance Company Ltd.

Authorised Signatory

Regd.Office: Bajaj Allianz House,Airport Road, Yerwada, Pune - 411006

 PRIVATE CAR POLICY - BUNDLED: ADD ON COVERS(Plan Name:Depreciation Shield And Consumable Expenses
And Engine Protectork And Tyre Safeguard - Personal Baggage Cover): POLICY WORDINGS

S3 - DEPRECIATION SHIELD
(UIN No. IRDAN113RP0007V01201819/A0009V01201819)
A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that this Policy extends to cover the
depreciation amount, partly or fully, on assessed damaged parts allowed for replacement during repairs in the event of a
Partial Loss to the Insured Vehicle .
In the event You have opted for co-payment, Your contribution shall be to the extent agreed by You as shown in the
Schedule for the depreciation amount on the assessed parts for each and every Partial Loss claim.
The benefits under 'Depreciation Shield' would be available only if the Insured Vehicle is repaired at Our authorized
workshops. In case You have opted to repair the Insured Vehicle at a non-authorized workshop, Our liability will be
restricted to 90% of the assessed total claim amount under this cover.
B. Conditions
(A) Claims made by You against Us under 'Depreciation Shield' are subject to the terms and conditions set forth
under the Motor Insurance Policy. (B) In case of transfer of ownership of the Insured Vehicle , the cover under
'Depreciation Shield' shall expire. (C) The benefits under 'Depreciation Shield' can be utilized for a maximum of
two times during the Policy Period
C. Exclusions
In addition to the exclusions mentioned under Motor Insurance Policy, We will not be liable to indemnify You for the
following events:
(1) Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is not payable (2)
Depreciation pertaining to any part/ sub part/ accessories not approved for replacement by Us under Motor Insur-
ance Policy. (3) Loss or damage to tyres and/or battery of the Insured Vehicle . (4) Consequential loss of any
kind arising out of claims lodged under 'Depreciation Shield'. (5) Where a loss is covered under Motor Insurance
Policy or any other type of insurance policy with any other insurer or manufacturer's warranty or recall campaign
or under any other such packages at the same time
If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of proving that
they do not apply.
D. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate.
(1) You,Your,Yourself: The person or persons We insure as set out in the Schedule .(2) We, Our, Us: Bajaj Alli-
anz General Insurance Company Limited. (3) Accident, Accidental: A sudden, unintended and fortuitous external
and visible event.(4) Policy/Motor Insurance Policy: Private Car Package Policy issued by Us to which this cov-
er is extended (5) Insured Vehicle : The vehicle insured by Us under the Motor Insurance Policy and as shown
on the Schedule .(6) Policy Period: The period between and including the commencement date and expiry date as
shown in the Motor Insurance Policy Schedule . (7) Schedule : The Schedule and any Annexure or Endorse-
ment to it which sets out Your personal details and the insurance cover in force. (8) Own Damage Claim: The
claims raised by You against Us for loss or damage to the Insured Vehicle due to the perils mentioned under Sec-
tion 1 of Motor Insurance Policy. (9) Total Loss/ Constructive Total Loss: A loss under the Motor Insurance
Policy where the aggregate cost of retrieval and/ or repair of the Insured Vehicle , subject to terms and conditions
of the Policy, exceeds 75% of the IDV of the Insured Vehicle . (10)Partial Loss: Any loss falling into a category
other than (A) the loss mentioned under Sr. No. 9 above and (B) theft of the Insured Vehicle

S4 - ENGINE PROTECTOR
(UIN No. IRDAN113RP0007V01201819/A0015V01201819)
A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that this Policy extends to cover
the consequential damage to the internal child parts of the engine of the Insured Vehicle arising out of water ingres-
sion/ leakage of lubricating oil and/or damage to gear box of the Insured Vehicle arising out of leakage of lubricating
oil due to Accidental means. Under this cover, We will compensate You for the following:
(A) Repair or replacement of the internal child parts of the engine such as pistons, connecting rods, crank shaft
and cylinder head. (B) Repair or replacement of the internal parts of the gear box such as gears or shafts in the
gear box housing. (C) Labour cost incurred by You to overhaul the damaged engine and gear box
B. Conditions
(A) Claims made by You against Us under 'Engine Protector' are subject to the conditions set forth under the Mo-
tor Insurance Policy. (B) Claims made by You against Us under 'Engine Protector' would be admissible if:
• There is evidence that the Insured Vehicle stopped in water logged area resulting into damage
to the internal parts of the engine due to water ingression
• There is evidence of under carriage damage to engine and/or gear box leading to oil leakage
 PRIVATE CAR POLICY - BUNDLED: ADD ON COVERS(Plan Name:Depreciation Shield And Consumable Expenses
And Engine Protectork And Tyre Safeguard - Personal Baggage Cover): POLICY WORDINGS

and resulting into damage to internal parts of the engine and/or gear box
• The loss or damage is not payable under Motor Insurance Policy
(C) In case of transfer of ownership of the Insured Vehicle , the cover under 'Engine Protector' shall expire
C. Your Obligations
(A) You should avoid driving the Insured Vehicle through water logged area as far as possible. If it is unavoid-
able, the vehicle should be driven in low gear and/or high engine RPMs. (B) You should not try to crank or push
start the engine once the Insured Vehicle had stopped in the water logged area or undercarriage damage had
taken place. (C) You should intimate Our nearest office for spot survey and to obtain help from an expert techni-
cian
D. Exclusions
We will not be liable to indemnify You for the following:
(1) Where a loss is covered under any other type of insurance policy with any other insurer or manufacturer's war-
ranty or recall campaign or under any other such packages at the same time. (2) Any consequential loss apart from
the damage to the internal child parts of the engine due to water ingression/ leakage of lubricating oil and/or dam-
age to gear box arising out of leakage of lubricating oil due to Accidental means. (3) Cost of engine oil and con-
sumables in case of flushing of engine. (4) Loss or damage including corrosion of engine due to delay in intimat-
ing Us or delay in retrieval of the Insured Vehicle from the water logged area. (5) Where reasonable care has not
been taken by You to protect the loss or damage to the Insured Vehicle
If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of proving that
they do not apply.
E. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate.
(1) You,Your,Yourself: The person or persons We insure as set out in the Schedule . (2) We, Our, Us: Bajaj Al-
lianz General Insurance Company Limited. (3) Accident, Accidental: A sudden, unintended and fortuitous ex-
ternal and visible event. (4) Policy/Motor Insurance Policy: Private Car Package Policy issued by Us to which
this cover is extended. (5) Insured Vehicle : The vehicle insured by Us under the Motor Insurance Policy. (6)
IDV: Insured's Declared Value (Sum Insured) of the Insured Vehicle under the Motor Insurance Policy. (7)
Total Loss/ Constructive Total Loss: A loss under the Motor Insurance Policy where the aggregate cost of re-
trieval and/ or repair of the Insured Vehicle , subject to terms and conditions of the Policy, exceeds 75% of the
IDV of the Insured Vehicle . (8) Policy Period: The period between and including the commencement date and
expiry date as shown in the Motor Insurance Policy Schedule .(9) Schedule : The Schedule and any Annexure
or Endorsement to it which sets out Your personal details and the type of insurance cover in force .(10)Own
Damage Claim: The claims raised by You against Us for loss or damage to the Insured Vehicle due to the perils
mentioned under Section 1 of Motor Insurance Policy

TYRE SAFEGUARD COVER

(UIN No. IRDAN113RP0007V01201819/A0021V01201819)

A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that the Private Car Package Policy is
extended to cover loss or damage to tyre(s) of the Insured Vehicle arising out of
(a) accidental external means
(b) an operation of an insured peril due to which the Insured vehicle is also damaged ,
The Company will indemnify You for the cost of replacing the damaged tyre(s) with a new equivalent or near equivalent
tyre(s) of similar make, model and specification, subject to the Basis of Loss Settlement Criteria as specified herein below.
B. Basis of Loss Settlement:
(1) Where the Loss or Damage to Tyre(s) is caused by accidental external means, the liability of the Company shall
not exceed the residual tread depth of the tyre(s) at the time of loss as shown in the below table:
Mean Residual Tread Depth of the Tyre(s) at the Time of Admissible Claim Amount
Loss
>= 7 mm 100% of the cost of new tyre(s)
>=6.5 mm and <=6.9 mm 85% of the cost of new tyre(s)
>=5 mm and <=6.4 mm 75% of the cost of new tyre(s)
>=3 mm and <=4.9 mm 50% of the cost of new tyre(s)
< 3 mm Nil
The tyre will be measured at the center of the tread and the mean of minimum three readings will be taken for the
purpose of arriving at the mean residual tread depth which will be the basis of indemnity under this coverage.
(2) Where the Loss or Damage to Tyre(s) is caused by an operation of an insured peril due to which the Insured
Vehicle is also damaged and covered under Own Damage section of the Motor Insurance Policy, the liability of the
 PRIVATE CAR POLICY - BUNDLED: ADD ON COVERS(Plan Name:Depreciation Shield And Consumable Expenses
And Engine Protectork And Tyre Safeguard - Personal Baggage Cover): POLICY WORDINGS

Company shall be restricted to the difference between admissible claim amount under the add on cover based on Re-
sidual Tread Depth of the Tyre(s) at the time of loss as mentioned in above table and the liability of the company
limited to 50% of the cost of replacement of Tyres and Tubes as stated under the Own Damage section of Motor In-
surance Policy.
The tyre will be measured at the center of the tread and the mean of minimum three readings will be taken for the
purpose of arriving at the mean residual tread depth which will be the basis of indemnity under this coverage.
In consequence whereof the exclusion appearing in the Private Car Package Policy Terms and Conditions which
reads as damage to tyres and tubes unless the vehicle is damaged at the same time when the liability of the
Company is limited to 50% of cost of replacement stands deleted.
C. Specific Conditions:
(1) If due to any reason whatsoever,You replace tyre(s) of the Insured Vehicle on Your own, it is Your obligation to
inform Us about such change with necessary details of the new tyre(s) including but not limited to the make,model and
batch number.
(2) The benefits under Tyre Safeguard can be utilized only for a maximum of four (4) tyre(s) of the Insured Vehicle
during the Policy Period.
D. Specific Exclusions:
1. Any loss or damage occurred prior to inception of the policy
2. Where a loss is covered under manufacturers warranty or recall campaign or under any other such packages at the
same time.
3. Where the batch number of damaged tyre(s) is different than the make, model or batch number specified in the
Schedule.
4. Tyre(s) with scratches, noise and vibrations that do not affect product function or performance and/ or damages
which are consequential in nature.
5. Any loss or damage that results from modification, neglect of the periodic maintenance, normal wear and tear
,operating methods not mentioned in the owners manual and approved by the manufacturers of Insured Vehicle.
6. Any loss or damage that results from poor workmanship and running of the vehicle with deflated tyre(s) and /or due
to improper storage and/or transportation of insured vehicle
7. Any loss or damage arising due to theft of tyre(s) and/ or illegal activities and are fraudulent in nature.
8. Any loss or damage resulting from hard driving due to race or rally.
9. Any expenses incurred, due to any reason whatsoever, in routine maintenance such as wheel alignment,wheel balan-
cing and tyre rotation of the Insured Vehicle.
10. Expenses related to personal injury or property damage arising out of damage to the tyre(s) of the Insured Vehicle.
11. Any expenses incurred on towing, safe guarding and/or repair and replacement labour charges of the Insured
Vehicle arising out of damage to the tyre(s) of the Insured Vehicle.
12. Any loss or damage to rims, wheel accessories, suspension or any other part or accessories of the Insured Vehicle
arising as a result of damage to the tyre(s) of the Insured Vehicle.
13. If the vehicle is not repaired at our authorized garage.
E. Definitions:
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate.
1. Accident,Accidental: A sudden, unforeseen and involuntary event caused by external and visible means.
2. Company: shall mean Bajaj Allianz General Insurance company ltd
3. Insured Vehicle: The vehicle insured by Us under the Private Car Package Policy
4. Policy/base Policy/Motor Insurance Policy: Private Car Package Policy issued by Us to which this cover is exten-
ded.
5. Policy Period: The period between and including the commencement date and expiry date as shown in the Private
Car Package Policy Schedule
6. Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your personal details and the type of
insurance cover in force
7. We, Our, Us: Bajaj Allianz General Insurance Company Limited
8. You, Your, Yourself: The person We insure as set out in the Schedule
F. Cancellation:
Cancellation conditions of the add-on cover will be identical to the base policy to which the add-on cover is attached.
Subject otherwise to all other terms conditions and exclusions of the Private Car Package Policy
 PRIVATE CAR POLICY - BUNDLED: ADD ON COVERS(Plan Name:Depreciation Shield And Consumable Expenses
And Engine Protectork And Tyre Safeguard - Personal Baggage Cover): POLICY WORDINGS

S14: PERSONAL BAGGAGE COVER

(UIN No. IRDAN113RP0007V01201819/A0017V01201819)

A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that Wewill indemnify You in
respect of the loss or damage to Your personal baggage whilst kept in the Insured Vehicle and caused by the in-
sured perils mentioned under Section 1 of this Policy, subject to the Basis of Loss Settlement Criteria as specified
herein below.
B. Conditions
(1) In case of transfer of ownership of the Insured Vehicle, , the cover under 'Personal Baggage Cover' shall expire
.(2)Basis of Loss Settlement Criteria: (i) Where an insured item can reasonably be repaired or reinstated at a cost
less than the replacement cost, then We will indemnify You up to the Sum Insured in respect of the expenses ne-
cessarily incurred to restore such item to its state immediately prior to the happening of the insured event (ii) In the
case of a total loss, We will indemnify You in respect of the restoration or replacement costs up to the Sum Insured
(3)In the event of a loss or damage due to burglary, housebreaking and/or theft, You shall immediately lodge a com-
plaint with the police detailing the lost insured items and provide Us with a copy of the F.I.R. (4)You shall immedi-
ately, and in any event within 2 days of occurrence of loss, report the incidence of loss to Us
C. Exclusions
In addition to the exclusions mentioned under under Motor Insurance Policy, We will not be liable to indemnify You
for the following events:
(1)Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is not payable
(2) The first 10% of the claim amount or Rs. 500, whichever is higher, in respect of each and every claim (3) Any
loss or damage due to cracking, scratching or breakage of articles of a brittle or fragile nature, unless such loss or
damage arises from an accident to Insured Vehicle in which such personal baggage is conveyed by You (4) Any
loss or damage caused by or any process of cleaning, dyeing repairing or restoring to which Your personal bag-
gage is subjected (5) Any loss or damage caused by moth, mildew or vermin (6) Any loss or damage caused by
mechanical derangement or over winding of watches and clocks (7) Theft of Your personal baggage from the In-
sured Vehicle unless all the doors, windows and other openings are securely locked and properly fastened, and/or
any other security aid is properly applied (8) Any loss of or damage to Valuables (9) Any loss or destruction of or
damage to personal baggage of a consumable nature (10) Any loss or damage caused by or arising from the leak-
age spilling or exploding of liquid, oils or material of a like nature or articles of a dangerous or damaging nature
(11)Any loss or damage to goods or samples carried in connection with any trade or business
If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of prov-
ing that they do not apply.
D. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate. (1) Insured Vehicle:The vehicle insured by Us under the Motor Insurance
Policy(2) Own Damage Claim: The claims raised by You against Us for loss or damage to the Insured Vehicle due to
the perils mentioned under Section 1 of Motor Insurance Policy (3) Policy/Motor Insurance Policy: Private Car Package
Policy issued by Us to which this cover is extended (4)Policy Period: The period between and including the commence-
ment date and expiry date as shown in the Motor Insurance Policy Schedule (5) Schedule: The Schedule and any An-
nexure or Endorsement to it which sets out Your personal details, the type of insurance cover in force and the Sum In-
sured (6)Sum Insured:: The amount stated in the Schedule, which is the maximum amount We will pay for claims
made by You, irrespective of the number of claims You make during the Policy Period (7)Valuables: Mean: (a) gold or
silver or any precious metals or articles made from any precious metals (b) watches or jewellery or precious stones or
models or coins or curios, sculptures, manuscripts, stamps, collections of stamps, rare books, medals, moulds, designs or
any other collectibles (c) deeds, ATM cards, credit cards, charge cards, bonds, bills of exchange, bank, treasury or
promissory notes, cheques, money, securities, or any other negotiable instrument (8)We, Our, Us: Bajaj Allianz General
Insurance Company Limited (9) You, Your, Yourself: The person We insure as set out in the Policy Period

S17:CONSUMABLE EXPENSES
(UIN No. IRDAN113RP0007V01201819/A0020V01201819)
A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that if the Insured Vehicle is
damaged by a covered peril mentioned under the own damage section of the Motor Insurance Policy and needs to be
repaired, We will cover cost of consumables required to be replaced/ replenished during the repair of the damaged
vehicle. Consumable for the purpose of this cover shall include engine oil, gear box oil, power steering oil, coolant, AC
gas oil, brake oil, AC refrigerant, battery electrolyte, windshield washer fluid, radiator coolant, nut & bolt, screw, oil fil-
ter, fuel filter, bearings, washers, clip, wheel balancing weights , and items of similar nature excluding fuel.
B. Conditions
(a) This cover is applicable if it is shown on Your schedule. (b) Claims made by You against Usunder 'CONSUM-
ABLE EXPENSES' are subject to the terms and conditions set forth under the Motor Insurance Policy. (c)In case
of transfer of ownership of the Insured Vehicle , the cover under 'CONSUMABLE EXPENSES' shall expire.
 PRIVATE CAR POLICY - BUNDLED: ADD ON COVERS(Plan Name:Depreciation Shield And Consumable Expenses
And Engine Protectork And Tyre Safeguard - Personal Baggage Cover): POLICY WORDINGS

(d) The benefits under under 'CONSUMABLE EXPENSES' would be available only if the Insured Vehicle is re-
paired at Our authorized workshops.
C. Exclusions
In addition to the exclusions mentioned under Motor Insurance Policy, We will not be liable to indemnify You for the
following events: (1)Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is
not payable. (2) Consumables pertaining to any part/ sub part/ accessories not approved for replacement by Us under
Motor Insurance Policy. (3)Where a loss is covered under Motor Insurance Policy or any other type of insurance
policy with any other insurer or manufacturer's warranty or recall campaign or under any other such packages at the
same time.
D. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate.
(1)Authorized workshop / garage / service station - A motor vehicle repair workshop / garage / service station author-
ized by us. (2)Insured Vehicle: The vehicle insured by Us under the Motor Insurance Policy and as shown on the Sched-
ule. (3)Policy/ Motor Insurance Policy: Motor Package Policy issued by Us to which this cover is extended.
(4)Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your personal details and the insur-
ance cover in force. (5)We, Our, Us: Bajaj Allianz General Insurance Company Limited. (6)You, Your, Yourself: The
person or persons We insure as set out in the Schedule.