Ref No.: GEN/WEL/SG/0008.

3/5202514600

Date: 29/11/2024

To,
M/S. AAYAN ESTATE VENTURES LLP
334, GAUNCHI, NEAR SHYAM MEDICAL STORE, JEEVAN
NAGAR
Faridabad - 121004
District: FARIDABAD
HARYANA, India
Contact Details 8689090099

Policy number: 5202514600

CKYC ID: 70037260359258

Subject: Risk assumption for Car Secure

Dear M/S. AAYAN ESTATE VENTURES LLP,

We welcome you to Zurich Kotak General Insurance Company (India) Limited and thank you for choosing us as your preferred service
provider.

This is with reference to your above mentioned Policy issued under Car Secure.

Enclosed please find the Policy Schedule outlining the details of your policy. Kindly note that the proposal is underwritten and policy is
issued based on the information submitted to us by you, as well as acceptance of the terms and conditions. Policy schedule must be read
in conjunction with the product brochure and policy wordings. Please visit https://www.zurichkotak.com/customer-
support/downloads or scan above QR code for detailed policy wording.

We request you to carefully go through the same once again and in case of any disagreement, discrepancy or clarifications, please call us
on our toll free number 1800 266 4545 or write to us at care@zurichkotak.com within 15 days from the date of this letter. Alternatively, you
can also write to us at 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), ,Mumbai
– 400063. , Maharashtra, India.

Please note that the information provided by you will be verified at the time of claim and the captioned Policy shall be treated as void in
case of any untrue or incorrect statement, misrepresentation, non-description or non-disclosure in any form whatsoever made by you or by
your agent, on your behalf, at any stage.

In case where premium is not received by us due to cheque dishonour or any other reason, the insurance cover shall be void ab-initio.

As a valued customer, we would like to provide regular updates on your policy through email and SMS. We therefore request you to keep
us updated of any change in your contact details.

Assuring you of our best services at all times.

Thanking you,

Yours sincerely,

For Zurich Kotak General Insurance Company (India) Limited

Authorised Signatory

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 Car Secure
Comprehensive Policy
Certificate cum Policy Schedule
Policy / Certificate No: 5202514600
For any assistance please call 1800 266 4545 or visit www.zurichkotak.com

INSURED DETAILS POLICY DETAILS

Name: M/S. AAYAN ESTATE VENTURES LLP Policy Issuing Office: 201-204, 301 Chintamani Classique Vishweshwar
Nagar, Off Aarey Road Mumbai Maharashtra 400063.
Address: 334, GAUNCHI, NEAR SHYAM MEDICAL STORE, JEEVAN
NAGAR Faridabad - 121004 District: FARIDABAD Period of Insurance:
HARYANA(06), India
From: 29/11/2024 00:00 to: 28/11/2025 Midnight
Phone: NA
Type Of Vehicle: Private Car
Mobile: 8689090099 Policy issued on: 29/11/2024
Email: AMITKUMAR@AAYANESTATE.COM Cover Note No: NA

GSTIN: 06ACCFA1476G1ZO Hypothecated to: NA

INTERMEDIARY DETAILS

POLICYBAZAAR INSURANCE BROKERS

Intermediary Code 3 5 7 3 8 9 0 0 0 0 Intermediary Name
PRIVATE LIMITED

Intermediary's Mobile No. Intermediary's Landline No. 1 8 0 0 1 0 3 3 9 9 9

VEHICLE DETAILS

Registration Manufacturer Model Variant Year of RTO Location Engine Vehicle Chassis/ Cubic Fuel Seating
Number Manufacture Number Trailer Chassis No. Capacity/KW Type Capacity

HR 26 FA HONDA AMAZE 1.2 VX CVT (I- 2023 GURGAON L12B47 MAKDF568 1199 PETROL 5
3635 VTEC) 807723 BP4402567

Insured Declared Value Non - Electrical Electrical & Electronic Trailer (in ₹) CNG / LPG Kit Total Value of the Vehicle
(IDV) of the Vehicle Accessories fitted to the Accessories fitted to the (in ₹) (in ₹)
(in ₹) Vehicle (in ₹) Vehicle (in ₹)

9,52,000 0 0 0 0 9,52,000

PREMIUM COMPUTATION TABLE (IN ₹)

Section I Section II
Own Damage Liability
Basic Own Damage 12,346.49 Basic TP Including TPPD Premium 3,416.00
Add: Legal Liability to Employee (IMT 29) 50.00
Add on Covers Total Premium # 6,793.01 Total Liability Premium (B) 3,466.00

Section III
Personal Accident
Total Own Damage Premium (A) 19,139.50 Total Personal Accident Premium (C) 0.00
Taxable value of Services (A+B+C) 22,605.50
IGST @ 18% 4,068.99
Total Premium (in ₹ ) 26,674.00
Add on Covers Opted For: Consumable Cover, Depreciation Cover, Engine Protect, Return to Invoice, Road Side Assistance
# : For the covers opted as shown in Add On Cover Details Table
Geographical Area INDIA Additional Excess ₹ 0 Compulsory Deductibles ₹ 1000

Voluntary Deductible ₹ 0 Voluntary Deductible for Depreciation Cover ₹ 0 Total Deductible ₹ 1,000

Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
ADD-ON COVER DETAILS

Sum
Sr.
Add-On Cover Insured( Premium ( ) Remarks
No.
)
Consumable Cover
1 NA 238.00
UIN:IRDAN152RP0006V04201516/A0012V02201516
Depreciation Cover No. Of Claims:2
2 NA 5,585.38
UIN:IRDAN152RP0006V04201516/A0011V03201516 Voluntary Deductible: 0
Engine Protect
3 NA 408.41
UIN:IRDAN152RP0006V04201516/A0013V02201516
Return to Invoice
4 NA 392.22
UIN:IRDAN152RP0006V04201516/A0014V02201516
Road Side Assistance
5 NA 169.00
UIN:IRDAN152RP0006V04201516/A0015V02201516

Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
CUSTOMER DECLARATION FOR CNG/ LPG KIT

I/ We agree and undertake to immediately inform the Company in case of change on account of addition of CNG/LPG kit and obtain necessary endorsement in the
Policy.

DISCLAIMER

For complete details on terms and conditions governing the coverage and NCB please read the Policy Wordings. This document is to be read with the Policy
Wordings(which are also available on the Company website i.e. www.zurichkotak.com). Please refer to the claim form for necessary documents to be submitted for
processing the claim.

PUC DECLARATION

This policy has been issued subject to valid Pollution Under Control (PUC) Certificate/Fitness Certificate disclosed to our representative / declared by You prior to
commencement of risk under this policy and further undertaking to renew and maintain a valid PUC throughout the duration of the Policy.

LIMITS OF LIABILITY

Under Section II - 1(i) of the policy -> Death of or bodily injury: Such amounts is necessary to meet their requirements of Motor Vehicles Act, 1988.
Under Section II - 1(ii) of the policy -> Damage to Third Party Property ₹ 7,50,000; PA Cover under Section III: for Owner Driver CSI ₹ 0

LIMITATIONS AS TO USE

Limitation as to use (Package Policy): The policy covers use of the vehicle 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 trails (g)Use in connection with Motor Trade. Note: In case of vehicles used for
Driving Tuition the words “other than for the purpose of driving tuition” to be read after the words „hire or reward.

DRIVER'S CLAUSES

Any person including the insured: Provided that a person driving hold an effective Driving License at the time of accident and is not disqualified from holding or obtaining
such a license. Provided also that the person holding an effective Learners’ License may also drive the Vehicle and that such a person satisfies the requirements of Rule
3 of the Central Motor vehicles Rules 1989.

SPECIAL CONDITIONS

1. All type of pre – existing damages or cost of repair of such damage will be excluded at the time of claim settlement.

NO CLAIM BONUS SCALE

Number of Claims % of Discount on Own Damage Premium

No claim made or pending during the preceding full year of insurance 20%

No claim made or pending during the preceding 2 consecutive years of insurance 25%

No claim made or pending during the preceding 3 consecutive years of insurance 35%

No claim made or pending during the preceding 4 consecutive years of insurance 45%

No claim made or pending during the preceding 5 consecutive years of insurance 50%

*No Claim Bonus (NCB) is subject to no claim on the previous policy. Benefits under the policy will be forfeited if claim is/was made in previous policy. Please contact
our Customer Care team in case of wrong NCB % mentioned.

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 Policy 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". For legal interpretation, English version will hold good.
Subject to I.M.T. Endt.Nos. & Memorandum 22, 29 Printed/herein/attached hereto Under Hire Purchase Agreement with NA

Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
TAX DETAILS

Service Tax/GST Registration No. 2 7 A A F C K 7 0 1 6 C 1 Z T Category : General Insurance Services

SAC Code 997134 Description Motor Vehicle Insurance Services

Invoice Number 5202514600

DECLARATION

I/We hereby certify that the policy to which the certificate relates as well as the certificate of insurance are issued in accordance with the provision of chapter X, XI of
M.V.Act 1988.

In Witness whereof this Policy has been signed for and behalf of 201-204, 301 Chintamani Classique Vishweshwar Nagar, Off Aarey Road Mumbai Maharashtra 400063.
at Mumbai this 29 day of November of 2024

Stamp Duty of 0.50 is paid as provided under Article 47(B) of Indian Stamp Act, 1899 and included in Consolidated Stamp Duty Paid to the Government of Maharashtra
Treasury vide Order of Addl. Controller Of Stamps, Mumbai at General Stamp Office, Fort, Mumbai - 400001., vide this Order No. (LOA/ENF-2/CSD/98/2024/Validity
Period Dt. 24/09/2024 To Dt. 31/12/2026 (O/w.No. 4576)/Date: 23/09/2024).

For Zurich Kotak General Insurance Company (India) Limited

Authorised Signatory

This document is digitally signed, hence counter signature / stamp is not required.

Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 CUSTOMER INFORMATION SHEET

This document provides key information about your policy. Please refer to the policy
document for detailed terms and conditions.

Description
Sl NO Title Policy Clause Number
(Please refer to applicable Policy Clause Number in next column)

1 Product Name Car Secure

2 Unique IRDAN152RP0006V04201516
Identification Number
(UIN)
allotted by
IRDAI

3 Structure • State basis of Sum/Limit Insured

• Indemnity
• Fixed Benefit

4 Interests Insured Car Secure is designed to provide insurance cover to Private Car Vehicles

5 Sum Insured / Motor The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of
Insured Declared Value this policy which is fixed at the commencement of each policy period for the insured vehicle.
Scope
The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the
manufacturer's listed selling price of the brand and model as the vehicle insured at the commencement of
insurance/renewal and adjusted for depreciation.

Section Coverage Sum Insured

Section I Loss of Or Damage to The Vehicle Insured Refer below table

Section II Liability to Third Parties As per Court Order

Section III Personal Accident Cover for Owner-Driver INR 15,00,000/-

Insured Declared Value (IDV) of the Vehicle (INR) INR 952000

Non - Electrical Accessories fitted to the vehicle (INR) INR 0

Electrical & Electronic Accessories fitted to the vehicle (INR) INR 0

Trailer (INR) INR 0

CNG / LPG Kit (INR) INR 0

Total Value of the Vehicle (INR) INR 952000

Total Loss/ Constructive Total Loss

The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its
accessories or may pay in cash the amount of the loss or damage and the liability of the Company shall
not exceed:
a. For total loss / constructive total loss/cash-loss of the vehicle - the Insured's Declared Value (IDV) of the
vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck.
b. For partial losses, i.e. losses other than Total Loss/Constructive Total Loss/cash-loss of the vehicle - actual
and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per
limits specified.
c. If a damaged motor vehicle is assessed as being unrepairable and hence a wreck i.e. a 'total loss' or
'write-off' the Company shall grant the Policyholder the option to retain the wreck and accept a 'cash loss'
settlement (being the IDV less the assessed value of Salvage based on competitive quotes procured by
the Company including any submitted by or through the insured).
d. In the event of a 'cash-loss' settlement, the Company is entitled to cancel the Own Damage insurance
effective the date of damage. Additionally, the Company can cancel the statutory Motor Third Party Liability
insurance policy after requiring the insured to either cancel the road registration of the wreck and submit
documentary evidence in original thereof or alternatively evidence in original a statutory Motor Third Party
liability insurance policy covering the wreck effective the date of damage.
The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle,
subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.

Illustration of IDV Calculation

IDV of the vehicle is calculated on ex-showroom price less depreciation depending on the age of the vehicle.

Example: Ex-showroom price of the vehicle is INR 10,00,000.

Age of vehicle 1 Year 2 Years 3 Years

Depreciation % 15% 20% 30%

IDV Car Secure UIN:IRDAN152RP0006V04201516;

INR 8,50,000 INR 8,00,000 INR 7,00,000

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 Note: The above Illustration is as per the depreciation slabs mentioned in the policy wording for the age of the
vehicle.

6 Policy Coverage The coverages available under this policy are listed in below and will be applicable as mentioned in the Policy Policy Wordings -
Schedule. Section I, Section II,
Section III
Section I: Loss of Or Damage to The Vehicle Insured
Cover for any Partial or Total Loss or Damage to the vehicle due to natural calamities such as - Fire,
explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation,
cyclone, hailstorm, frost landslide, rockslide etc. Or man - made calamities such as burglary, theft, riot, strike,
malicious act, accidental external means, terrorist activity, any damage in transit by road, rail, inland waterway,
lift elevator or air, etc.

Section II: Liability to Third Parties

Covers legal liability for third party property damage and third-party bodily injury (including death) due to an
accident.

Section III: Personal Accident Cover for Owner-Driver

Personal Accident Cover is provided to the Owner-Driver whilst driving the vehicle including mounting into/
dismounting from or traveling in the insured vehicle as a co-driver. Additionally, other passengers and paid
drivers can also be covered by opting for the same- limited to the carrying capacity of the vehicle, excluding the
driver.

7 Add-on Cover S.No Add-on Name and Description UIN Sum Add-on Wording
Insured

1 Depreciation Cover UIN:IRDAN152RP0006V04201516/A0011V03201516 952000

Description: Covers for depreciation
in case of parts replaced on account
of damage to the Insured vehicle
and/or to its accessories, arising out
of any peril covered under Section I of
the Policy

2 Consumables cover UIN:IRDAN152RP0006V04201516/A0012V02201516 952000

Description: Cover is provided for
expenses incurred by the Insured in
respect of Consumable Items in the
event of damage to the Insured
vehicle and/or to its accessories,
arising out of any peril as covered
under the Policy.

3 Engine Protect UIN:IRDAN152RP0006V04201516/A0013V02201516 952000

Description: Cover is provided to
indemnify the Insured for expenses
incurred in repair or replacement of
Engine Parts, Differential Parts and
Gear Box Parts which becomes
necessary due to Consequential
Damage arising out of water
ingression/leakage of lubricating oil
which directly cause loss or damage
to the aforesaid parts.

4 Return to Invoice UIN:IRDAN152RP0006V04201516/A0014V02201516 952000

Description: Cover is provided to pay
the difference between the Insured's
Declared Value (IDV) of the Insured
vehicle and lower of the Purchase
Invoice Price (as defined below) of
Insured Vehicle OR current
replacement price of new vehicle in
case exactly same make/model is
available, upon the occurrence of any
Total Loss (including theft)/
Constructive Total Loss as defined in
the Policy.

5 Road Side Assistance UIN:IRDAN152RP0006V04201516/A0015V02201516 0

Description: Cover is Provided for
following:
a.Towing due to an accident or
breakdown
b.Battery jump start
c.Arrangement/ Supply of fuel:
d.Emptying of fuel tank
e.Flat Tyre(s)
f.Breakdown support over phone
g.Taxi Benefits Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 h.Arrangement of keys
i.Message Relay
Minor Repairs

8 Loss Participation Deductible

Compulsory Deductible: INR 1000

Voluntary Deductible: INR 0

Voluntary Deductible for Depreciation Cover: INR 0

Total Deductible: INR 1000

9 Exclusions GENERAL EXCEPTIONS (Applicable to all Sections of the Policy) Policy Wordings -
The Company shall not be liable under this Policy in respect of General Exclusions
1. Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical (Applicable to all
area; Sections of the Policy)
2. Any claim arising out of any contractual liability;
3. Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured
herein is

a. Being used otherwise than in accordance with the 'Limitations as to Use'. Or

b. 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.

4.

a. Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever
resulting or arising there from or any consequential loss
b. Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from
ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste
from the combustion of nuclear fuel. For the purpose of this exception combustion shall include any
self-sustaining process of nuclear fission.

5. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising
from nuclear weapons material.
6. Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by
contributed to 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 consequence of any of the said
occurrences and in the event of any claim hereunder the insured shall prove that the accidental 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.

For complete list of exclusions including Section-wise exclusions, refer the policy wordings

10 Special Conditions and Special Conditions Policy Wording -

Warranties (if any) Conditions
•

Explain obligations of the Policyholder

•The insured shall take all reasonable steps to safeguard the vehicle from loss or damage and to maintain it
in efficient condition and the Company shall have at all times free and full access to examine the vehicle or
any part thereof or any driver or employee of the insured. In the event of any accident or breakdown, the vehicle
shall not be left unattended without proper precautions being taken to prevent further damage or loss and if
the vehicle be driven before the necessary repairs are effected any extension of the damage or any further
damage to the vehicle shall be entirely at the insured's own risk.

•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.

11 Admissibility of Claim 1. Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or Policy Wording -
damage in the event of any claim and thereafter the insured shall give all such information and assistance Conditions
as the Company shall require.
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.
3. 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).

Car Secure UIN:IRDAN152RP0006V04201516;

• Sample claim calculation process

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 Mr. ABC has Motor OD policy and met with an accident.
The claim amount for this vehicle will be calculated as below:
Details Amount (INR)
Vehicle Repair Cost 50,000
Amount assessed by surveyor 48,000
Depreciation applicable (Part Depreciation: Metal as per
5,000
age, plastic 50%, Glass nil)
Compulsory deductible 1,000
Total Claim payable 42,000

** The above claim calculation is subject to change as per Add on covers opted and policy terms and
conditions

12 Policy Servicing - Claim Toll free / IVRS number of the insurer : 1800 266 4545 (8 AM TO 8 PM)
Intimation and Website / Email: www.zurichkotak.com/ care@zurichkotak.com
Processing Details of designated company officials to be contacted in time of claim:
zkgi.motorclaimservices@zurichkotak.com

Details of procedure to be followed for cashless service (In case of Motor Insurance) as well as for
reimbursement of claim

In case of cashless process, please follow the below mentioned process

• Call our 12 hours helpline with details of accident and policy/cover note number.

• Once the claim is registered, the customer support executive will provide you with a Claim Reference
Number.

• You will need to submit relevant documents to us such as - Driving license, RC copy, Policy copy etc. in
accordance with the Policy terms and conditions.

• We will arrange for an inspection in

- 24 hours, if a claim is reported on a working day

- Next working day, if a claim is reported on Sunday or Public holiday

• On cashless facility confirmation, the vehicle would be repaired at a cashless garage and the payment
would be made directly to the garage.

•You will only have to pay the deductible as mentioned in the policy and the depreciation value, salvage etc. as
informed by the surveyor.

In case of reimbursement process, you will have to submit documents to Zurich Kotak General Insurance
Company Ltd., and we will make the payment within 7 days of completion of documentation. The detailed list
of documents required is mentioned in the claims form which can be downloaded from our website
www.zurichkotak.com.
Turn Around Time (TAT) for claims settlement

Appointment of surveyor Immediate after intimation

Survey report submission 15 days
within 7 days after receipt of final
Claims concluded by the insurer
survey report
Within 7 days after receipt of final
survey report and/or the last relevant
Settlement of claims
and necessary document as the case
may be

Escalation Matrix when TAT is not satisfied

Level 1 regional.motorclaims@zurichkotak.com
Level 2 zonal.motorclaims@zurichkotak.com
Level 3 head.motorclaims@zurichkotak.com

13 Grievance Redressal For resolution of any query or grievance, Insured may contact the respective branch office of the Company or Policy Wording -
and Policyholders may call toll free number 1800 266 4545 or may write an e- mail at care@zurichkotak.com. In case the Grievance Redressal
protection Insured is not satisfied with the response, Insured may contact the Grievance Officer of the Company at
grievanceofficer@zurichkotak.com. In case if the Insured is not satisfied with the solution the Grievance Officer
has provided, Insured can write to seniorgrievanceofficer@zurichkotak.com/
chiefgrievanceofficer@zurichkotak.com.

However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and
Development Authority of India (IRDAI) through the Bima Bharosa Portal: https://bimabharosa.irdai.gov.in.

You may also approach Insurance Ombudsman, subject to vested jurisdiction, for the redressal of grievance.

Car
The details of the Insurance Secure UIN:IRDAN152RP0006V04201516;
Ombudsman/ complete Grievance Redressal Process is also available at

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 Company's website: www.zurichkotak.com

14 Obligations of the To disclose all information correctly sought by the insurer at time of filling the proposal form
Policyholder/ In case of any change / modification / addition to the already declared information the same shall be
brought to the notice of the insurer immediately
Non-disclosure of material information may affect the claim settlement.
Disclosure of other material information during the policy period.

("Material Information" for the purpose of this policy shall mean all relevant information sought by the company
in the proposal form and other connected documents to enable it to take informed decision in the context of
underwriting the risk such as Purpose of the Vehicle, Usage of the Vehicle, Claim details (accident date, spot
of accident, damaged parts etc.), details of vehicle, NCB details etc.)

Declaration by the Policy Holder

I have read the above and confirm having noted the details.
Place
Signature of the Policy
Date
Holder

Note:
i. Please visit https://www.zurichkotak.com/documents/customer-support/downloads for product related documents including CIS
ii. In case of any conflict, the terms and conditions mentioned in the policy document shall prevail

Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 Transcript cum Proposal Form - Car Secure

Important Information for the Insured:

1. This is a transcript of the details declared by you on the e-proposal and shall be the basis of underwriting of the policy. Request you to carefully review the complete
information provided under this transcript and get back to us within 15 days of issuance of this document, in case there is any discrepancy found.
2. The policy is subject to receipt of complete premium and the risk under the Policy shall commence only from the date as specified in the policy schedule.
3. This document has to be read in conjunction with the policy schedule/document.
Refund, if any, with regard to the premium paid, would be processed in the same source / account (net banking / credit card / debit card) from where the premium
4.
payment has been originally made subject to policy terms and conditions.
5. The policy is subject to the underwriting guidelines of the Company and the details as declared by the Insured under the e-proposal.
6. Online premium payment should be made by the policyholder himself. No third party payment should be made using this mode of payment.
7. The Policyholder/ Insured has fully understood the terms and conditions of the Policy including all the features available thereunder.

Proposal No : 202411290011801

Proposal for : Used Car

26,674.00 Premium Amount (Inclusive of taxes)

Type of cover: Comprehensive Policy

Vehicle Make/Model/
Registration No. Type of body Cubic Capacity/KW Fuel Type
Variant

HONDA/AMAZE/1.2 VX CVT
HR 26 FA 3635 1199 Petrol
(I-VTEC)

Year of Manufacture Insured Declared Value (IDV) Engine Number Chassis Number

2023 9,52,000 L12B47 807723 MAKDF568 BP4402567

Special conditions :

PROPOSER / OWNER’S DETAILS

1. Title and Name of the Insured: M/S. AAYAN ESTATE VENTURES LLP

4038 G F SAINIK COLONY SEC 49 FARIDABAD NIT FARIDABAD FARIDABAD FARIDABAD District: FARIDABAD 121001
2. Insured Permanent Address*
HARYANA(06), India

If Correspondence Address different from 334, GAUNCHI, NEAR SHYAM MEDICAL STORE, JEEVAN NAGAR Faridabad - 121004 District: FARIDABAD HARYANA,
Permanent Address,please provide*: India

3.Phone 4.Mobile * 8689090099 5.Email ID* AMITKUMAR@AAYANESTATE.COM

6.Gender 7.Date Of Birth * 8.Nationality

Proposal Date & Time: 29/11/2024 11:28

Policy Start Date: 29/11/2024 00:00

Policy End Date:

28/11/2025 at midnight
(Comprehensive)

Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
Limitation as to use (Private Car): The policy covers use of the vehicle 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 trails (g)Use in connection with Motor Trade. Note: In case of vehicles used for
Driving Tuition the words “other than for the purpose of driving tuition” to be read after the words „hire or reward.

Driver’s Clauses: Any person including insured: Provided that a person driving hold an effective Driving Licence at the time of accident and is not disqualified from holding
or obtaining such a licence. Provided also that the person holding an effective Learners’ Licence may also drive the Vehicle and that such a person satisfies the
requirement of Rule 3 of the Central Motor Vehicle Rules, 1989.

STATUTORY WARNING PROHIBITION OF REBATES (Under Section 41 of Insurance Act 1938)

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 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.
2) Any person making default in complying with the provisions of this section shall be punishable with fine, which may extend to ₹ 1,000,000/-
VEHICLE DETAILS

Date of CNG/LPG/Bi Lease / Hire / Hypothecation (Name and Color of Seating

Registration Authority and RTO Location
Registration Fuel address of concerned parties) Vehicle Capacity

GURGAON 05/04/2023 PETROL 5

*Non - Electrical *Electrical & Electronic

*Insured Declared
Accessories Accessories Trailer *CNG / LPG Kit *Total Value
Value
fitted to the Vehicle (in fitted to the Vehicle (in (in INR) (in INR) (in INR)
of the Vehicle (in INR)
INR) INR)

9,52,000 0 0 0 0 9,52,000

PUC - NO

OPTIONAL ADD-ON COVERS

1. Depreciation Cover# 2. Engine Protect #If Depreciation cover is selected: Voluntary Deductible offered under the
“Depreciation Cover”, which would be applied over and above the Compulsory
3. Return to Invoice 4. Consumable Cover Deductible? No

6. Key Replacement
5. Road Side Assistance
Sum Insured
7. Loss of Personal Belongings
8. Tyre Cover
Sum Insured
9. Daily Car Allowance 10. NCB Protect
11. Meter (Switch On/ Switch Off)
12. Battery Protect Cover
Cover
13. Clutch Protect

Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 RISK INCLUSION / EXCLUSION

*Name of Appointee (if Relationship to the

1. *Personal Accident Cover of INR 15,00,000 *Nominee Name and Age *Relationship
nominee is a minor) Nominee
for the Owner Driver

2. Do you wish to include Personal Accident Name CSI Opted (Rs) *Nominee Name Relationship
cover for the Named passenger? No
Please give details mentioned aside:

3. Do you wish to include Personal Accident cover for the Un-named Passengers / hirer / pillion No. of Persons
C. S. I. (Per Person)
passenger? No As Per Seating Capacity
Please give details mentioned aside:

# The maximum CSI available per person is ₹ 2,00,000, each in multiples of ₹ 10,000.

4. Do you wish to restrict Third Party Property Damage of ₹ 7.5 Lakh to the statutory TPPD liability limit of ₹ 6,000/- only? No

5. legal liability against Third Party Risks: A) Owner Driver Yes No Any person other than Paid Driver: No

B) Legal Liability to Employee (IMT 29) Yes No If Yes, no. of Person: 1 C) Unnamed Passengers Yes No If Yes, no. of Person: 0

Compulsory Personal Accident (PA) Cover for owner-driver (PA Cover for Owner –Driver is compulsory for individual vehicle owners)
I hereby declare that the Owner Driver does not require Compulsory Personal Accident Cover as
|__| Owner Driver has a separate existing Personal Accident cover against Death and Permanent Disability (Total and Partial) for Sum Insured of atleast 15
lacs.Tenure___ years |_____________| to |_____________|
|__| The Vehicle to be insured is not owned by an individual
|__| The Owner Driver does not have an effective driving license.
(Note: Where the owner driver owns more than one vehicle, compulsory PA cover can be granted for any one vehicle as opted by him/her). Personal Accident cover for
owner driver is compulsory for Sum Insured of 15 lacs for Two-wheeler, Private Car and Commercial Vehicles. Compulsory PA Cover for Owner Drivers cannot be granted
where the vehicle is owned by a company, a partnership firm or a similar body corporate.

DETAILS OF DEPRECIATION
Table 1:Schedule of depreciation for arriving at IDV:
The Insured's declared value (IDV) of the vehicle will be deemed to be the 'Sum insured' and it will be fixed at commencement of each policy period for each insured vehicle
Age of The Vehicle % of Depreciation for fixing IDV Age of The Vehicle % of Depreciation for fixing IDV
Not exceeding 6 Months 5% Exceeding 2 years but not exceeding 3 years 30%
Exceeding 6 months but not exceeding 1 year 15% Exceeding 3 years but not exceeding 4 years 40%
Exceeding 1 year but not exceeding 2 years 20% Exceeding 4 years but not exceeding 5 years 50%
Note: IDV of obsolete models of vehicles (i.e. Models which the manufacturers have discontinued to manufacture) and vehicles beyond 5 years of age will be determined
on the basis of an understanding between the insurer and the insured.

PAYMENT DETAILS

Payment Mode : PAYMENT AGGREGATOR

Payment Reference No : 21698422545
Payment Amount: 26,674.00
Payment/Transaction Date: 29/11/2024
Bank Details:
I confirm that the premium is paid out of my legitimate sources of fund and the Company has the right to call for documents to establish sources of funds. The Company
has the right to cancel the policy in case I am/have been found guilty by any competent authority or court of law of violating any law/regulation.
Intermediary Code: 3573890000
As verified using OTP sent on mobile number ending with 0099 on 29/11/2024 or as submitted by you in the physical proposal form.

Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com
 TAX INVOICE

Details of Receiver (Billed To) Details of Supplier (billed by)

Zurich Kotak General Insurance Company
GSTIN/UIN 06ACCFA1476G1ZO Name :
(India) Limited
Customer ID 1018246222 GSTIN : 27AAFCK7016C1ZT
Customer Name AAYAN ESTATE VENTURES LLP Pan Number : AAFCK7016C
Email ID AMITKUMAR@AAYANESTATE.COM CIN: U66000MH2014PLC260291
201-204, 301Chintamani
Contact No 8689090099 Address: ClassiqueVishweshwar Nagar, Off Aarey
RoadMumbai Maharashtra 400063.
334, GAUNCHI, NEAR SHYAM MEDICAL
Address STORE, JEEVAN, NAGAR, FARIDABAD, Date of Invoice 29/11/2024
121004, HARYANA, India
IMD Code 3573890000 Invoice No 5202514600
Receipt No 1202501424267 Proposal No 202411290011801
Partner Application No
State Code 06 State Code: 27
Place Of Supply Name HARYANA - 06 State Name MAHARASHTRA
IRN

HSN/SAC Description HSN / SAC Code Total Value of Supply (Rs.) Taxable value of Supply (Rs.) IGST Rate IGST Amt (Rs.)
997134 22605.5 22605.5 18% 4,068.99
Motor Vehicle Insurance Services
Total 22605.5 22605.5 4068.99
Total Invoice Value (In Figure) 26,674.00
Total Invoice Value (In Words) Twenty Six Thousand Six Hundred Seventy Four
Whether Tax Payable on a Reverse Basis or Not No

For : Zurich Kotak General Insurance Company (India) Limited

Authorized Signatory

"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."

Car Secure UIN:IRDAN152RP0006V04201516;

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) CIN:U66000MH2014PLC260291. IRDAI Reg. No. 152.
Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway Goregaon (East), Mumbai – 400063 Maharashtra, India.
Toll Free: 1800 266 4545 Email:care@zurichkotak.com Website: www.zurichkotak.com