Welcome to Edme Insurance Brokers Limited!

Dear MR. RAVIKUMAR KANNAN ,

Thank you for choosing Edme Insurance Brokers Ltd., for your Motor Insurance needs. We are thrilled to have you as a valued customer.

With Edme's protection solutions, you can safeguard both yourself and your vehicle with ease. By selecting Motor Insurance under the
Skoda program, you're not only covered against potential risks but also enjoy exclusive benefits, including:

‡ Instant online policy schedule cum certificate of insurance

‡ Easy online payment options
‡ Fast, hassle-free, and cashless claim settlements at authorized dealerships (please note, claims are subject to the discretion of
the insurance company)

Plus, this policy is recognized by Skoda dealers nationwide, giving you added peace of mind.

Enclosed are the following documents for your reference:

‡ Policy Schedule & Certificate of Insurance: Details of your coverage and premium calculation
‡ Policy Wording Document: Full terms and conditions of your motor insurance policy (for more details, refer to your insurer's
website)

We hope the options presented by your dealer met your expectations and that your policy reflects your chosen insurer.

Rest assured; we are committed to providing you with the best customer service.

We look forward to a long and successful journey ahead!

zŽƵƌƐƐŝŶĐĞƌĞůLJ͕
Edme Insurance Brokers Limited
(Formerly Aditya Birla Insurance Brokers Limited)

For any service-related queries, please contact with us at:

1800-120-2510 | Clientfeedback@edmeinsurance.
 Reliance General Insurance Co. Ltd.(An ISO 9001:2015 Certified Company)
Reliance Private Car Policy- Stand-alone Own Damage CERTIFICATE CUM POLICY SCHEDULE CUM
RECEIPT
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989) UIN -IRDAN103RP0001V01201920
Policy No: 997192423090000707 Proposal No. & Date: PR592439, 23-DEC-2024
Policy Issued On: 23-DEC-2024 18:30 HRS Previous Policy No.: D129316240
Insured Name: MR. RAVIKUMAR KANNAN Previous Insurer: Go Digit General Insurance Ltd.
NO 82B 1ST STREET,BHARATHI NAGAR, KANIYAMPADI,VELLORE , Period of Own Damage : 25-DEC-2024 (00:00) To 24-DEC-2025 (1 YEAR)
Insured Address:
VELLORE , TAMIL NADU (State Code:33) -632102 Period of Liability Cover: NA
Period of Compulsory PA NA
Cover:
Nominee Name: Age:0 Relation:
Servicing Office of Insurer : 5th Floor, Chennai Citi Centre, No:15 (10&11), Dr. Radhakrishnan Road Mylapore, Chennai, , , CHENNAI, TAMIL NADU (State Code:33) -600004
PAN AABCR6747B GSTIN: 33AABCR6747B1ZN

Vehicle Details
Make Model Variant Cubic Capacity Manufacturing Year Seating capacity
SKODA SLAVIA AMBITION 1.0 TSI MT 999 2022 5
Body Type Registration No. RTO Hypothecation/Lease* Fuel Type VIN/Chassis No.
PASSENGER CAR TN 73 AW 7779 VELLORE NO PETROL MEXBPDPB1NG006222
Vehicle IDV Electrical Accessories Non-Electrical Accessories BI Fuel Kit Total IDV Engine No
1,015,630 0 0 0 1,015,630 DTB051188
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A)
Basic Own Damage Premium Amount(Rs) Discounts Amount(Rs)
Vehicle 7,717 Voluntary Deductibles (0) (IMT-22A) 0
Non-Elec. Accessories (IMT-24) 0 Anti Theft Device (IMT-10) 0
Elec. Accessories (IMT-24) 0 AA Membership (IMT-8) 0
Bi-Fuel Kit (IMT-25) 0 No Claim Bonus (20%) 1,544
Sub Total (Basic Premium) 7,717 Handicapped Discount (IMT-12) 0
Geographical Area Extension (IMT-1) 0 Sub Total (Deductibles) 1,544
IMT 23 Premium 0
Add On Coverages ZD,EP,CM 6603
Sub Total-Addition 14,320 Net Own Damage Premium (A) 12,776
Total Premium (A) 12,776
SGST(9%) 1,150
CGST(9%) 1150
Gross Premium Paid 15,076
Addon UIN - Nil Depreciation for Private Car- Own Damage(IRDAN103RP0001V01201920/A0013V01201920), Engine Protector for Private Car - Own Damage(IRDAN103RP0001V01201920/A0011V01201920),
&RQVXPDEOHVIRU3ULYDWH&DU2ZQ'DPDJH ,5'$1539$9
Note: 1. Policy issuance is subject to realization of cheque
2. Consolidated Stamp duty Paid vide Letter of Authorisation ³NO LOA/ENF-1/CSD/80/2024-25/(Validity Period Dt. 01/12/2024 to Dt. 01/12/2026)/5362 Date ´at General Stamp Office, Mumbai. ** Not Applicable for
the State of Jammu & Kashmir
3. The policy is subject to compulsory deductible of Rs.1000 (IMT-22)
4. Geographical Area Ext. extended to (IMT-1): NA
*Subject to IMT Endt. Nos.& Memorandum:22
Limitations as to use:7KHSROLF\FRYHUVXVHRIWKHYHKLFOHIRUDQ\SXUSRVHRWKHUWKDQ  +LUHRU5HZDUG  &DUULDJHRIJRRGV RWKHUWKDQVDPSOHVRUSHUVRQDOOXJJDJH   2UJDQL]HGUDFLQJ  3DFHPDNLQJ  6SHHGWHVWLQJ  
Reliability trials (7) Any purpose in connection with motor trade.
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 Vehicles Rules, 1989".
Note: This Policy covers only Own Damage Risk with no other liability in connection with Four Wheeler vehicle including third party cover and is issued basis the following : Third party Policy no. ±
valid from 23 May 2022 to 22 May 2025, Insured by Reliance General Insurance Co. Ltd..
Grievance Clause: For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call at 022 48903009 (Paid) or may write an email at rgicl.services@relianceada.com. In case
the insured is not satisfied with the response of the office, insured may contact the Nodal Grievance Officer of the Company at rgicl.grievances@relianceada.com. In the event of unx`satisfactory response from the Nodal Grievance
Officer, insured may email to Head Grievance Officer at rgicl.headgrievances@relianceada.com. In the event of unsatisfactory response from the Head Grievance Officer, he/she may, subject to vested jurisdiction, approach the
Insurance Ombudsman for the redressal of grievance. Details of the offices of the Insurance Ombudsman are available at IRDAI website www.irda.gov.in or on company website www.reliancegeneral.co.in or on www.gbic.co.in. The
insured may also contact the following office of the Insurance Ombudsman within whose territorial jurisdiction the branch or office of the Company is located.Office of the Insurance Ombudsman,3rd Floor,Jeevan Seva Annexe,S. V.
Road,Santacruz (W), Mumbai - 400 054. Tel.: 022 - 26106552 / 26106960 Fax: 022 - 26106052 Email: bimalokpal.mumbai@gbic.co.in | Shri. A. K. Sahoo Office of the Insurance Ombudsman,Jeevan Darshan Bldg.,3rd Floor,C.T.S.
No.s. 195 to 198,N.C. Kelkar Road,Narayan Peth, Pune ±Tel.: 020-41312555 Email: bimalokpal.pune@gbic.co.in
Registered & Corporate Office of Insurer : 5th Floor, Chennai Citi Centre, No:15 (10&11), Dr. Radhakrishnan Road Mylapore, Chennai, , , CHENNAI, TAMIL NADU (State Code:33) -600004
IRDAI Registration No.: 103 CIN: U66603MH2000PLC128300
Hypothecation Details:
MISP Code: AB-MVW000053, MISP Name: GURUDEV MOTORS PVT LTD , DP Name: PARAS KUMAR, DP Code: AB-DPVW000058
Receipt No: Y122324270003 PAYMENT MODE: Dealer Online
HSN/SAC : 997134 Description of Service : Motor Vehicle Insurance Services Place of Supply : TAMIL NADU(State Code-33)
Important Notice: The insured is not indemnified, if the vehicle is used or driven otherwise than in accordance with the schedule.
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 Reliance General Insurance Co. Ltd.

Authorized Signatory
Broker Name & Add :Edme Insurance Brokers Limited,Regd. Office: Indian Rayon Compound, Veraval - 362 266. Corporate Office: One World
Centre, Tower-1, 7th floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013. Tel. No.: +91 22 43568585. Fax:
+91-22-4356 8511 License Number: 146 CIN: U99999GJ2001PLC062239
 1. It is hereby declared and agreed that any damages pre-existing ,any losses occured & any liability having been insured,prior to the communication of cover under this policy
are excluded from the scope of this policy
2. Updating Registration Number of Vehicles within 15 days of policy inception is MANDATORY as per IRDA. Kindly provide the same to your agent/Our call centre/Policy issuing
branch (Applicable for policies booked without Registration No of vehicles)
Important Points:
a. Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered.
b. Any minor scratches to the vehcile, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered.
c. Any liability of whatsoever nature caused by, contributed by or arising due to the vehicle being driven by a person without having valid driving license will not be covered. ( Please visit
www.reliancegeneral.co.in for the policy wordings, for complete details on terms and conditions governing the coverage and NCB)
Cancellation clause:
- The Company reserves the right to cancel this Policy immediately upon becoming aware of any mis-representation, fraud, non-disclosure of material facts or non-cooperation by or on behalf of the
Insured; the Company is not obliged to refund the premium paid under this Policy
Warranty statement pro-rata :
- In consideration of the premium for this extension being calculated at a pro-rata proportion of the annual premium, it is hereby declared and agreed by the insured that upon expiry of this extension,
this policy shall be renewed for a period of twelve months, failing which the difference between the extension premium now paid on pro rata basis and the premium at short period rate shall become
payable by the insured.
GST statement :
- 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.
PEP statement :
- Politically Exposed Person (PEP)/close relative of PEP: Yes/ No

As a responsible broker, we take a complete systematic approach to ensure that IDV for the vehicle of age exceeding 5 years would be determined mutually by insurer and
the motor insurance opted by you meets their requirements and triggers the best insured.
way at the time of need. Schedule of depreciation for fixing IDV of the vehicle
Policy Cover - 50% for all rubber/nylon/plastic parts, tyres, tubes, batteries and air bags
- Loss or damage to your vehicle or the accessories due to: - 30% for all fiber glass components
- Nil for all parts made of glass

Natural Calamities: Fire, explosion, self ignition or lightning, earthquake, flood, In the case of painting, the depreciation rate of 50% shall be applied only on the material
typhoon, hurricane, storm, 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 depreciation.
ͲƵƌŐůĂƌLJ͕ƚŚĞĨƚ͕ƌŝŽƚ͕ƐƚƌŝŬĞ͕ŵĂůŝĐŝŽƵƐĂĐƚ͕ĂĐĐŝĚĞŶƚďLJĞdžƚĞƌŶĂůŵĞĂŶƐ͕ƚĞƌƌŽƌŝƐƚ (Applicable for policies with risk inception date on or after 1st February 2013).
activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, For all other parts depreciation rate is applicable as following:
etc.
Age of the vehicle % of Depreciation
Not exceeding 6 months Nil
Exceeding 6 months but not exceeding 1 year 5%
ͲŶLJĚĂŵĂŐĞĐĂƵƐĞĚƚŽƚŚĞƉƌŽƉĞƌƚLJ
Exceeding 1 year but not exceeding 2 years 10%
- Towing Charges as applicable
Exceeding 2 years but not exceeding 3 years 15%

Exceeding 3 years but not exceeding 4 years 25%

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
ͲŝƐĐŽƵŶƚĨŽƌŽƉƚŝŶŐŚŝŐŚĞƌǀŽůƵŶƚĂƌLJĞdžĐĞƐƐ Add On Cover
ͲŝƐĐŽƵŶƚĨŽƌŝŶƐƚĂůůĂƚŝŽŶŽĨĂƉƉƌŽǀĞĚĂŶƚŝͲƚŚĞĨƚĚĞǀŝĐĞƐ Zero Depreciation - If opted, the benefits and exclusions applicable as per insurance
ͲŝƐĐŽƵŶƚĨŽƌ/ŵĞŵďĞƌƐŚŝƉ company's rules & regulations.
ͲĞƉƌĞĐŝĂƚŝŽŶŝƐĂƉƉůŝĐĂďůĞ ͲEŽĚĞƉƌĞĐŝĂƚŝŽŶĐŚĂƌŐĞƐƚŽƚŚĞĐƵƐƚŽŵĞƌŝĨƚŚĞǀĞŚŝĐůĞŝƐƌĞƉĂŝƌĞĚĂƚĂƵƚŚŽƌŝnjĞĚŐĂƌĂŐĞƐ
for the parts needing replacement in accident Nil depreciation on metal parts
Nil depreciations on plastic parts (other insurance companies plastic parts attracts
What is not covered in the Policy? 50% depreciation)
ͲDĞĐŚĂŶŝĐĂůͬůĞĐƚƌŝĐĂůďƌĞĂŬĚŽǁŶ͕ŵĂŶƵĨĂĐƚƵƌŝŶŐĚĞĨĞĐƚ ͲdŚŝƐĐŽǀĞƌŝƐĂǀĂŝůĂďůĞŽŶůLJĂƚƚŝŵĞŽĨƉƵƌĐŚĂƐĞΘĐĂŶŶŽƚďĞŝŶĐŽƌƉŽƌĂƚĞĚŝŶƚŚĞ
ͲŽŶƐĞƋƵĞŶƚŝĂůůŽƐƐ͕ĚĞƉƌĞĐŝĂƚŝŽŶ͕ǁĞĂƌΘƚĞĂƌ middle of the year
ͲŶLJĐŽŶƚƌĂĐƚƵĂůůŝĂďŝůŝƚLJ Ͳ/ŶƚŚĞĞǀĞŶƚŽĨĐŽŵƉůĞƚĞůŽƐƐŽĨƚŚĞŝŶƐƵƌĞĚǀĞŚŝĐůĞ;ŽŶƐƚƌƵĐƚŝǀĞdŽƚĂů>ŽƐƐŽƌdŽƚĂů
Ͳ/ŶƚŽdžŝĐĂƚĞĚĚƌŝǀŝŶŐ Loss), no payment shall be made under this add-on.
ͲĞůŝďĞƌĂƚĞĂĐĐŝĚĞŶƚĂůůŽƐƐ Ͳ&ŽƌĂŶLJĐůĂŝŵƚŽďĞĐŽŵĞƉĂLJĂďůĞƵŶĚĞƌƚŚŝƐĐŽǀĞƌ͕ŝƚƐŚŽƵůĚďĞĂĚŵŝƚƚĞĚƵŶĚĞƌ
ͲĂŵĂŐĞƐĚƵĞƚŽŶƵĐůĞĂƌǁĞĂƉŽŶƐŵĂƚĞƌŝĂůŽƌǁĂƌ Section I ʹ"Loss or damage to the vehicle insured" of motor comprehensive policy
ͲĐĐŝĚĞŶƚƐŽƵƚƐŝĚĞƚŚĞ'ĞŽŐƌĂƉŚŝĐĂůƌĞĂ ͲEŽƌŵĂůǁĞĂƌĂŶĚƚĞĂƌŶŽƚŝŶĐůƵĚĞĚŝŶƚŚŝƐĐŽǀĞƌ͘
ͲWŽůŝĐLJdžĐĞƐƐ - Premium rate depends on vehicle model, territory & age of vehicle

Extra Towing Charge Reimbursement: If opted, The cost of extraction and/or towing
the vehicle to the nearest Skoda dealership is reimbursed up to Rs.25,000/-.

͞Loss or damage to the vehicle insured ͞of motor comprehensive policy.

ŝƐĐůĂŝŵĞƌ͗The Policy shall be void from inception if the premium in full is 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 :/ŶĐĂƐĞĚŝƐĂŐƌĞĞŵĞŶƚŽƌŽďũĞĐƚŝŽŶŽƌĂŶLJŽƚŚĞƌĐŚĂŶŐĞƐǁŝƚŚƌĞƐƉĞĐƚƚŽŝŶĨŽƌŵĂƚŝŽŶĂŶĚĐŽŶƚĞŶƚƐŵĞŶƚŝŽŶĞĚŚĞƌĞŝŶĂďŽǀĞ͕ƉůĞĂƐĞĐŽŶƚĂĐƚŽƵƌƚŽůůͲĨƌĞĞ
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 :WƌŽŚŝďŝƚŝŽŶŽĨZĞďĂƚĞƐ;^ĞĐƚŝŽŶϰϭŽĨ/ŶƐƵƌĂŶĐĞĐƚ͕ϭϵϯϴĂƐĂŵĞŶĚĞĚͿ͗ϭ͘EŽƉĞƌƐŽŶƐŚĂůůĂůůŽǁŽƌŽĨĨĞƌƚŽĂůůŽǁ͕ĞŝƚŚĞƌĚŝƌĞĐƚůLJŽƌŝŶĚŝƌĞĐƚůLJ͕ĂƐĂŶ
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.

- Schedule of depreciation for fixing IDV of the vehicle

Age of the vehicle % of Depreciation
FastTag Clause: As per National Highways Authority of India, kindly ensure to affixed
Not exceeding 6 months 5%
FASTag on your vehicle.
Exceeding 6 months but not exceeding
15%
1 year
Exceeding 1 year but not exceeding 2
20%
years
Exceeding 2 years but not exceeding 3
30%
years
Exceeding 3 years but not exceeding 4 Statutory Provisions: As per section 146 of the motor vehicle act,1988 it is manadatory to have your
40% Vehicle insured against third party risk.
years
As per Section 196 of the Motor Vehicle Act, 1988 In case of a renewal, the benefits provided under
driving an uninsured vehicle is punishable with fine the policy and/or terms and conditions of the
Exceeding 4 years but not exceeding 5 or Rs. 2000 and/or imprisonment up to 3 months for policy including premium rate may be subject to
50% the first offence and fine of Rs. 4000 and/or change.
years
imprisonment up to 3 months for the second
offence.

1. Updating Registration Number of vehicles within 15 days of policy inception is MANDATORY as per IRDA. Kindly provide the same to your Agent/Our Call centre/Policy issuing Branch
(Applicable for policies booked without Registration no of vehicles).
2. In case of a renewal, the benefits provided under the policy and/or terms and conditions of the policy including premium rate may be subject to change.The policy has been issued based on the
information provided by you and the policy is not valid if any of the information provided is incorrect, subject otherwise to the terms, conditions and exclusions of the Reliance Private Car Policy-
Stand-alone Own Damage Certificate Cum Policy Schedule. In witness whereof this Policy has been signed at Mumbai on policy tax invoice date in lieu of Proposal/Covernote No. as mentioned in the
policy.
3. Safeguard your transaction by paying your premium via crossed cheque/DD in favour of Reliance General Insurance Co. Ltd. Subject to Reliance General Insurance Endorsement Numbers printed
herein/attached hereto. NA The policy has been issued based on the information provided by you and the policy is not valid if any of the information provided is incorrect. Subject otherwise to the
terms, conditions and exclusions of the Reliance Private Car Liability Policy. In witness whereof this Policy has been signed at Mumbai on policy tax invoice date in lieu of Proposal/Covernote No. as
mentioned in the policy.
NOTE : Kindly acknowledge receipt of this policy. In case you find any variations against your proposal or any discrepancy in the policy, kindly contact us immediately.
4. In the unfortunate event of a claim, please call quoting your Policy No. on 022 48903009 (Paid) and register your claim immediately within 7days from the date of loss.
5. For Customer service, please call along with your Policy No. on 022 48903009 (Paid) or visit www.reliancegeneral.com In the absence of any communication from you within a period of 15 days of
receipt of this letter, we will consider that the issued policy is in order and as per your proposal.