20203

Go Digit General Insurance Ltd. Schedule/Receipt

Digit Two-Wheeler Stand-alone Own Damage Policy
UIN No.: IRDAN158RP0003V01201920

Name RAKESH KUMAR Vehicle Registration No. BR22AQ5314

Address PHONEPE INSURANCE BROKING
121 Shantipuram, Phaphamau, Prayagraj Prayagraj Partner Name: SERVICES PRIVATE LIMITED
UP, Allahabad, UP,Allahabad-211013 1080493
Partner Code:
N
Mobile xxxxxxxxx8160 Partner Mobile No. --
Email cxxxxxxxxxxh@gxxxl.com Partner Email --
PB Aadhar No. -- For Claims,contact us at 1800-258-5956
YOUR POLICY DETAILS
Policy No. D164346769 / 07092024 Policy Issue Date 07-Sep-2024
Period of Policy for Own Damage Cover and Add On(s) if From 09-Sep-2024 11:06:39
BN Opted To 08-Sep-2025 23:59:59
NCB % (Current Policy) 0% Invoice No. IA146372773
Digit Two-Wheeler Stand- Additional --
Coverages Opted alone Own Damage Policy Excess (`)
20203 Voluntary Deductible Compulsory
(`) -- Deductible (`) 100

Add On(s) Opted --

YOUR VEHICLE DETAILS

RTO Location West Champaran,BIHAR Vehicle IDV (`) 42525

125
Seating Capacity 2 Non-Electrical Accessories IDV (`) 0
MA
Make BAJAJ Electrical Accessories IDV (`) 0
Model/Vehicle Variant (Sub-
PULSAR/125 DISC BSVI CNG/LPG Kit IDV (`)
Type) 0
Fuel Type Petrol Trailer IDV (`) 0
Year of Regn/Year of Mfg. 2020/-- Total IDV (`) 42525.00
Engine No. 85811
Chassis No. 11801
Cubic Capacity 125 CC
Odometer Reading (KM) --
OWN DAMAGE PREMIUM [A] (`)
Own Damage Premium (`) 712.72 712.72
Add-Ons Premium (`) 0 0.00
NCB Discount Amount (`) -0.00
PB
Total OD Premium 712.72
Net Premium (`) 712.72

IGST @ 18% = (`128.29) 128.29

Final Premium (`) 841.01

425
Note:The above total OD premium is inclusive of all applicable loading / discounts viz (automobile association memberships, voluntary excess, anti-theft
handicap person, driver tuition, fiber glass, CNG/ LPG unit, imported vehicle etc., wherever applicable).

ENDORSEMENT
Invoice Number Invoice Date Net Premium Igst Cgst Sgst Utgst Cess Gross Premium

0.00 0.00 0.00 0.00 0.00 0.00 0.00

12

Go Digit General Insurance Ltd, GST Reg No 29AACCO4128Q1ZW , PAN No:- AACCO4128Q, HSN: 997134/General Insurance Services, GSTIN Address
:Bengaluru Retail Business Centre,Atlantis No 95 4th B Cross Road 5th Block Koramangala Industrial layout,Bangalore,Karnataka,PIN-560095. Website :
www.godigit.com.
Corporate office Address : Atlantis, 95, 4thB Cross Road, Koramangala Industrial Layout, 5thBlock, Bengaluru, Karnataka, PIN – 560095, IRDAI Reg No. 158,
CIN – U66010PN2016PLC167410
OTHER DETAILS
Previous Own Damage Go Digit General Insurance Limited
Insurer
Previous Own Damage Previous Own Damage
Policy No. D014485596 Policy Expiry Date 30-Mar-2021

Details of Existing Damages

IMT – Endorsements IMT-22
GSTIN/UIN No Unregistered State Code
Receipt Receipt Date 07-Sep-2024
Premium Payment Details No. RA181957248

Financier Details --

Other Endorsements --

THIRD PARTY LIABILITY DETAILS

Insurer Go Digit General Insurance Limited
Policy No. D014485596
From 31-Mar-2024
Period of Policy for Third Party Liability Cover To 30-Mar-2025

Note: This policy does not cover claims relating to third party liabilities and/or personal accident to the owner/driver of the vehicle.

Follow these rules like you follow the rules of the road.
Geographical Area: India Limitation as to use The policy covers use of the vehicle for any purpose other than hire or reward, racing, pace making, reliability trial, speed testing and
use for any purpose in connection with the Motor Trade. Person or Class of persons entitled to drive: Any person including the insured 1) Provided that a person driving holds a valid
& effective driving license at the time of the accident and is not disqualified from holding or obtaining such a license. 2) Provided also that the person holding a valid & 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 and any subsequent amendment as
applicable. Limits of Liability: 1)Under Section I of the policy _IDV as shown in the schedule

NCB Declaration: The premium has been charged and policy has been issued subject to NCB declared by you as an insured. In the event of NCB found wrongly declared at any point
of time during policy period, all benefits and coverages under the Policy in respect of section I of the Policy will stand forfeited. If there is any disagreement, write to us within 7 days
from the date of issuance of policy or before the start date of period of insurance whichever is earlier. Cheque dishonor / Non-receipt of payment: If premium paid through Cheque, the
policy is void ab-initio in case of dishonor of Cheque or non-receipt of payment. This policy is subject to the standard policy wordings, warranties and conditions applicable for this
product in addition to coverages and exclusions specified in the motor vehicle tariff published by IRDAI. 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 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”. Pre-existing Damages: All types of pre-existing damages or
cost of repair of such damage will be excluded at the time of claim settlement.Violation of Motor Vehicle Act: This policy is issued in accordance with the provision of Chapter X and
Chapter XI of MV act, 1988 and any subsequent amendment as applicable. Any violation will forfeit all benefits and coverages under the Policy. Important Notice: The company may
cancel the policy by sending 7 days notice in case of fraud, misrepresentation, non disclosure of material fact or non co-operation of the insured. This policy is subject to the standard
policy wordings, warranties and conditions applicable for this product in addition to Indian Motor Tariff. Break in Insurance: The policy is issued subject to acceptance of risk after
evaluation of the Vehicle Inspection report. Own Damage cover (Section - I) would not commence unless the satisfactory Vehicle Inspection report has been received by us. If the
Company does not receive the Vehicle Inspection report or the report is adverse, the Company, at its discretion, will cancel Policy as per the Motor Tariff.PUC Declaration: The Policy
has been issued subject to valid Pollution Under Control (PUC) Certificate disclosed by you as an insured on or before the date of commencement of the Policy. Please inform the
Company in case of change on account of the addition of CNG/PNG kit.

For & On Behalf of Go Digit General Insurance Ltd.

In case of claim or any other query, please contact our 24-hour Call
Centre at 1800-258-5956 or email us at hello@godigit.com
or visit our website www.godigit.com.
Praveen Bhat
Senior Vice President - Customer Experience
praveen.bhat@godigit.com
Authorized Signatory
Printed, Signed, and Executed at Bengaluru
Consolidated Stamp Duty has been paid as per Letter of
Authorization No.67-B/04/2017-18 Date: 30th May 2017
issued by Department of Stamps and Registration ,
Bengaluru- 560009 - KARNATAKA.
Hey, our document is now digitally signed
Click here to view the certificate.
 MA

N
01/0

211

845
Digit Two-Wheeler Stand-alone Own Damage Policy
Proposal/Transcript Form
UIN: IRDAN158RP0003V01201920
1 Go Digit General Insurance Ltd
Petr

425 a. This proposal will be the basis of the insurance policy that we issue. You must disclose all facts relevant to
all person(s)/asset(s) proposed to be insured that may affect the Company’s decision to issue a policy or its
terms. Non-compliance may result in avoidance of the policy.
b. If you are in doubt, you can get in touch with your agent/intermediary or call us at 1800-258-5956 or e-mail
at hello@godigit.com

*For Partner Use Only:

Partner Code Sub Partner Code Partner Name
PHONEPE INSURANCE BROKING
1080493 --
SERVICES PRIVATE LIMITED

Personal Details
Proposer Name RAKESH KUMAR Date of Birth 01-01-1990

121 Shantipuram, Phaphamau,

Address Prayagraj Prayagraj UP, Allahabad, Pincode 211013
UP,Allahabad-211013
Profession -- Driving license issue year --

Mobile Number xxxxxxxxx8160 Email Id cxxxxxxxxxxh@gxxxl.com

PAN -- UIDAI NO --

Are you an existing Go Digit

General Insurance Ltd.
GST Number Unregistered Customer (Digit): Yes / No. If --
yes, please mention the
128. Policy No

Vehicle Details
30/0 Registration No BR22AQ5314 Make BAJAJ
Date of Registration 2020 Model PULSAR
Chassis No 11801 Vehicle variant (sub type) 125 DISC BSVI
Engine No
712. 85811 Fuel Type Petrol
Year of Manufacture -- Cubic Capacity 125
*Finance Details -- *KM (Odometer) reading --

0 IG
*Vehicle modified for
--
Physically Challenged

IDV Details
Non-Electrical Electrical / Electronic
Year Vehicle IDV (Rs.) Total IDV (Rs.)
Accessories IDV (Rs.) Accessories IDV (Rs.)
Year 1 42525.00 0.00 0.00 42525.00

Risk Coverage Details

From 09-Sep-2024 11:06:39 Voluntary Deductible --
Policy Period
To 08-Sep-2025 23:59:59 Endorsement opted --

Coverage Package
Consumable Cover No

Plan Opted:

Parts Depreciation Protect No Co-Payment Opted,

Nos. of Claims Options Per Year:

Engine and Gear Box Protect No

Tyre Protect No

Breakdown Assistance No Plan Opted:

*Add on covers
Cover Opted,
Return to Invoice No
Co-Payment Opted,

Plan Opted:

Per Day Allowance (Rs.): (100 to 3000 in

Daily Conveyance Benefit No multiples of Rs. 100) : Rs.
Maximum Number of days Cover:

Time excess Opted:

Vehicle Usage And Repair Information

Upto 5000 Km
Between 5001 & 10000 Km
Estimated Usage of the Vehicle During the Year
Between 10001 & 15000 Km
Above 15000 Km
Any Workshop
In the Event of Claim, where would You Prefer to Repair Your Vehicle
Digit Recommended Workshop Only

Previous Insurer Details

Go Digit General Insurance
Company Name Policy No D014485596
Limited
Policy Expiry Date 30-Mar-2021 NCB % 0
No of claims & claim amount 0

Premium and Payment Details

Cheque No/NEFT Ref No P_VF2409071105497149752751
Bank Name --
Date 07-Sep-2024
Amount (Including applicable taxes) 841.01

Declaration
• I/We, hereby declare that the statements and particulars given in this Proposal form are complete, true and
accurate and I/We agree that the Insurance company will not be liable under the insurance contract if it is found
that any of my/our statements or particulars or declarations in this proposal form or other documents are incorrect
/misleading /Fraudulent in any respect on any matter to the grant of a cover or submission of claim in future.
• I/We hereby agree to receive all monies due from the company by way of refund of premium, claims etc. into
my/our bank account / payment mode as specified in the instrument / electronic transaction tendered towards
insurance premium and such electronic transfer will constitute full and final discharge of the Company’s obligation.
• I/We hereby affirmatively warrant that the Assured named herein/owner of the vehicle insured holds a valid
Pollution Under Control (PUC) Certificate on the date of commencement of the Policy and the same has been
shown to the agent/authorized person of intermediary. I further undertake to renew and maintain a valid and
effective PUC Certificate during the duration of the Policy period.
• I / We declare that the rate of NCB claimed by me/us is correct and that no claim as arisen in the expiring
policy period (copy of the policy enclosed). I/We further undertake that if this declaration is found to be
incorrect, all benefits under the policy in respect of Section I of the Policy will stand forfeited.
• I/We, hereby agree that in Case of Break in Insurance, the policy would be issued subject to acceptance of
risk after evaluation of the Vehicle Inspection report. Own Damage cover (Section - I) would not commence
unless the satisfactory Vehicle Inspection report has been received by us. If the Company does not receive
the Vehicle Inspection report or the report is adverse, the Company, at its discretion, will cancel Policy as per
the Motor Tariff
• I/We further declare that l/we will notify in writing any change in the details so furnished hereinabove
occurring after the proposal has been submitted but before communication of the risk acceptance by the
Company.
• I/We authorize the Company to share information pertaining to my proposal for the sole purpose of proposal
underwriting and/or claims settlement and with any Governmental and/or Regulatory authority.
• I/We hereby undertake to inform the Company in case of change on account of addition of CNG/PNG kit
and ensure endorsement in my policy.
• I/We hereby agree and undertake that I/we are agreeable not to receive the hard copy of the Policy and related
documents Yes
Date: 07-Sep-2024
This proposal form has been electronically accepted
"By submitting your contact number and email ID, you authorize Go Digit General Insurance (Digit Insurance)
to call, send SMS, messages over internet-based messaging application like WhatsApp and email and offer
you information and services for the product(s) you have opted for as well as other products/services offered
by Digit Insurance. Please note that such authorization will be over and above any registration of the contact
number on TRAI’s NDNC registry."

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 MAKING FAULT IN
COMPLYING WITH THE PROVISIONS OF THIS SECTION SHALL BE PUNISHABLE WITH FINE WHICH MAY
EXTEND TO TEN LAKHS RUPEES.

Go Digit General Insurance Ltd. Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5
Block, Bengaluru, Karnataka 560095, IRDAI Reg No. 158 CIN U66010PN2016PLC167410, GST Reg. No:
29AACCO4128Q1ZW, GSTIN Address: Bengaluru Retail Business Centre,Atlantis No 95 4th B Cross Road 5th
Block Koramangala Industrial layout,Bangalore,Karnataka,PIN-560095 . Website: www.godigit.com
 DIGIT TWO-WHEELER STAND ALONE
OWN DAMAGE POLICY

POLICY WORDING

Visit us at www.godigit.com or call UIN:

1800-258-5956, anytime, for more information. IRDAN158RP0003V01201920
Whereas the Insured by a proposal and declaration dated as stated in the Schedule which shall be
the basis of this contract and is deemed to be incorporated herein has applied to Go Digit General
Insurance Ltd. (herein after referred to as “Company/DIGIT”) for insurance herein after contained
and has paid the premium mentioned in the schedule as consideration for such insurance in
respect of accidental loss or damage occurring during the Period of Insurance.

(The term Two-Wheeler referred to in this policy will include Motorcycle/Scooter/Auto Cycle or any
other motorized two-wheeled vehicle mentioned in the Schedule.)

NOW THIS POLICY WITNESSETH:

That subject to the Terms Exceptions and Conditions contained herein or endorsed or otherwise
expressed hereon.

LOSS OR DAMAGE TO THE VEHICLE INSURED

The Company will indemnify the insured against loss or damage to the vehicle insured hereunder
and/or its accessories whilst thereon

1. by fire explosion, self-ignition or lightning;

2. by burglary, housebreaking or theft;

3. by riot and strike;

4. by earthquake (fire and shock damage);

5. by flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost;

6. by accidental external means;

7. by malicious act;

8. by terrorist activity;

9. whilst in transit by road rail inland-waterway lift elevator or air;

10. by landslide rockslide.

Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:

1. For all rubber/nylon/plastic parts, tyres and tubes, batteries and air bags - 50%

2. For fibre glass components - 30%

3. For all parts made of glass - Nil

4. Rate of Depreciation for Painting - In the case of painting, the depreciation rate of 50% shall
be applied only on the material cost of total painting charges. In case of a consolidated bill
for painting charges, the material component shall be considered as 25% of the total painting
charges for the purpose of applying the depreciation.

5. Rate of depreciation for all other parts including wooden parts will be as per the following
schedule.

Digit Two-Wheeler Stand Alone Own Damage Policy – Policy Wording (IRDAN158RP0003V01201920) 2
 Age of Vehicle % of Depreciation
Not Exceeding 6 months Nil
Exceeding 6 months but not exceeding 1 year 5%
Exceeding 1 year but not exceeding 2 years 10%
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%
Exceeding 5 years but not exceeding 10 years 40%
Exceeding 10 years 50%

The Company shall not be liable to make any payment in respect of:

a. Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or
breakages;

b. Damage to Tyres and Tubes unless the Vehicle is damaged at the same time in which case the
liability of the Company shall be limited to 50% of the cost of replacement;

c. Loss of or damage to accessories by burglary, housebreaking or theft unless the Vehicle is

stolen at the same time; and

d. Any accidental loss or damage suffered whilst the Insured or any person driving with the
knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs.

In the event of the Vehicle being disabled by reason of loss or damage covered under this Policy,
the Company will bear the reasonable cost of protection and removal to the nearest repairer and
of redelivery to the Insured but not exceeding in all Rs. 300/- in respect of any one accident.

The Insured may authorize the repair of the Vehicle necessitated by damage for which the
Company may be liable under this Policy provided that:

a. The estimated cost of such repair including replacements, if any does not exceed Rs.150/-

b. The Company is furnished forthwith a detailed estimate of the cost of repairs and

c. The Insured shall give the Company every assistance to see that such repair is necessary and the
charges are reasonable.

Sum Insured, Insured’s Declared Value (IDV):

The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the
purpose of this policy and this will be fixed at the commencement of the contract for the insured
vehicle and shown on the Policy Schedule.

The IDV of the vehicle (and side car/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 insured vehicle at
the commencement of insurance/renewal and adjusted for depreciation (as per schedule specified
below).

The schedule of age wise depreciation is applicable for the purpose of Total loss/Constructive Total
Loss (TL/CTL) claims only.

Digit Two-Wheeler Stand Alone Own Damage Policy – Policy Wording (IRDAN158RP0003V01201920) 3
The Schedule of Depreciation for Fixing IDV of the Vehicle
Age of Vehicle % of Depreciation for Fixing IDV

Not Exceeding 6 months 5%

Exceeding 6 months but not exceeding 1 year 15%

Exceeding 1 year but not exceeding 2 years 20%

Exceeding 2 years but not exceeding 3 years 30%

Exceeding 3 years but not exceeding 4 years 40%

Exceeding 4 years but not exceeding 5 years 50%

IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. Models which
the manufacturers have discontinued to manufacture) is to be determined on the basis of an
understanding between the insurer and the insured.

IDV shall be treated as the ‘Market Value’ throughout each year of the policy term as provided
in the Policy Schedule without any further depreciation for the purpose of Total Loss (TL)/
Constructive Total Loss (CTL) claims.

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 for
respective Year of the policy term in which accident took place.

GENERAL EXCEPTIONS
The Company shall not be liable in respect of:

1. Any accidental loss or damage caused, sustained or incurred outside the geographical area
stated in the schedule.

2. Any Claim arising out of any Contractual Liability.

3. Any accidental loss damage caused sustained or incurred whilst the Vehicle insured herein is:

i. Being used otherwise than in accordance with the Limitations as to Use or,

ii. 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. (i) Any accidental loss or damage to any property whatsoever or any loss or expense
whatsoever resulting or arising therefrom or any consequential loss.

(ii) Any liability of whatsoever nature directly or indirectly caused by or contributed to by or

arising from ionising radiation or contamination by radioactivity from any nuclear fuel
or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this
exception combustion shall include any self-sustaining process of nuclear fission.

5. Any accidental loss or damage directly or indirectly caused by or contributed to by or

arising from nuclear weapons material.

6. Any accidental loss or damage directly or indirectly or proximately or remotely occasioned

by or contributed 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

Digit Two-Wheeler Stand Alone Own Damage Policy – Policy Wording (IRDAN158RP0003V01201920) 4
 or indirect consequences of any of the said occurrences and in the event of any claim
hereunder the Insured shall prove that the accidental loss or damage 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.

DEDUCTIBLE

The Company shall not be liable for each and every claim this Policy in respect of the deductible
stated in the schedule.

In addition to the compulsory deductible, insured may also opt for voluntary deductible.

CONDITIONS

This Policy and the Schedule shall be read together and any word or expression to which a specific
meaning has been attached in any part of this Policy or of the Schedule shall bear the same
meaning wherever it may appear.

1. Notice shall be given in writing to the Company immediately upon the occurrence of any
accidental loss or damage and in the event of any claim and thereafter the Insured shall give
all such information and assistance as the Company shall require. Every letter, claim thereof
shall be forwarded to the Company immediately on receipt by the Insured. In case of theft or
other criminal act which may be the subject of a claim under this Policy the Insured shall give
immediate notice to the Police and co-operate with the Company in securing the conviction of
the offender.

2. 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 liability of the
company shall not exceed:

a. For Total Loss/Constructive Total 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, losses other than Total Loss/Constructive Total Loss of the vehicle -
actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to
depreciation as per limits specified.

3. 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 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.

4. If at the time of occurrence of an event that gives rise to any claims under this policy there is
in existence any other insurance covering the same liability, the Company shall not be liable to
pay or contribute more than its rateable proportion of any compensation cost or expense.

5. If any dispute or difference shall arise as to the quantum to be paid under this policy, (liability
being otherwise admitted) such difference shall independent of all other questions be referred
to the decision of a sole Arbitrator, to be appointed in writing by the parties to the dispute or,
if they cannot agree upon a single arbitrator within 30 days of any party invoking Arbitration,
the same shall be referred to a panel of three Arbitrators comprising two Arbitrators-one to
be appointed by each of the parties to the dispute/difference, and the third Arbitrator to be
appointed by such two Arbitrators who shall act as a presiding arbitrator and arbitration shall

Digit Two-Wheeler Stand Alone Own Damage Policy – Policy Wording (IRDAN158RP0003V01201920) 5
 be conducted under and in accordance with the provisions of the Arbitration and Conciliation
Act 1996 (including any amendments made from time to time).

It is clearly agreed and understood that no difference or dispute shall be referable to

arbitration as herein before provided, if the Company has disputed or not accepted liability
under or in respect of this policy.

It is hereby expressly stipulated and declared that it shall be a condition precedent to any right
of action or suit upon this policy that the award by such Arbitrator/Arbitrators of the amount
of the loss or damage shall be first obtained:

It is also hereby further expressly agreed and declared that if the Company shall disclaim
liability to the Insured for any claim hereunder and such claim shall not, within twelve calendar
months from the date of such disclaimer have been made the subject matter of a suit in a
court of law, then the claim shall for all purposes be deemed to have been abandoned and
shall not thereafter be recoverable hereunder.

6. 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
statements and answers in the said proposal shall be condition precedent to any liability of the
Company to make any payment under this policy.

7. 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). During the said period legal heirs of the Insured
to whom the custody and use of the Motor Vehicle passes may apply to have this Policy
transferred to the names of the heirs or obtain a new insurance policy for the Motor Vehicle.

Where such legal heirs desire to apply for a transfer of this policy or obtain a new policy for the
Vehicle such heirs should make an application to the company accordingly within the aforesaid
period. All such applications should be accompanied by:

a. Death certificate in respect of the insured

b. Proof of title to the Vehicle

c. Original Policy

8. No change can be made to this policy unless the Company has approved it and confirmed by
endorsing the policy schedule.

9. Any and all disputes arising out of and under this Policy shall be governed by and determined
in accordance with Indian law.

10. All other conditions which are not specifically mentioned in the policy document will be as per
Indian Motor tariff (IMT) 2002.

CANCELLATION

Cancellation Due to Total Loss/Constructive Loss: In case of cancellation due to Total Loss/
Constructive Total Loss of the Insured Vehicle the premium will be retained in full.

Cancellation by Insurer: Policy may be cancelled by the Company on the grounds of

misrepresentation, fraud, non- disclosure of material facts or non-co-operation by sending to
the insured seven days’ notice by recorded delivery at last known address and e-mail ID and the
Company will refund to the insured the pro-rata premium for the balance period of the policy.

Digit Two-Wheeler Stand Alone Own Damage Policy – Policy Wording (IRDAN158RP0003V01201920) 6
Cancellation by Insured: Policy may be cancelled at the option of the insured with seven days’
notice of cancellation and the Insured will be entitled to a refund of premium on Pro-rata basis
for the remaining full policy year(s) and for the running policy year, the below short period scale
of rates shall be applicable, provided that there is no claim in the running policy year. The balance
premium, if any, will be refundable to the insured.

In case of cancellation of policy by the insured, premium would be retained as per below table:

Period % of Annual Premium

Not Exceeding 1 month 20%

Exceeding 1 month but not exceeding 2 months 30%

Exceeding 2 months but not exceeding 3 months 40%

Exceeding 3 months but not exceeding 4 months 50%

Exceeding 4 months but not exceeding 5 months 60%

Exceeding 5 months but not exceeding 6 months 70%

Exceeding 6 months but not exceeding 7 months 80%

Exceeding 7 months but not exceeding 8 months 90%

Exceeding 8 months Full Annual Premium/Rate

A Refund of premium will be subject to:

a. The retention of minimum premium as specified in the Tariff.

NO CLAIM BONUS (NCB)

The insured is entitled to a No Claim Bonus (NCB) on the Own Damage section of the policy, if no
claim is made or pending during the preceding year(s), as per the following table:

Period of Insurance % of NCB on OD premium

No claim made or pending during the preceding full

20%
year of insurance
No claim made or pending during the preceding 2
25%
consecutive years of insurance
No claim made or pending during the preceding 3
35%
consecutive years of insurance
No claim made or pending during the preceding 4
45%
consecutive years of insurance
No claim made or pending during the preceding 5
50%
consecutive years of insurance

Digit Two-Wheeler Stand Alone Own Damage Policy – Policy Wording (IRDAN158RP0003V01201920) 7
No Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry
date of the previous policy.

“However, in the case of Military or Para military Personnel working in Forward Areas, the period
of 90 days may be extended up to 365 days depending on the circumstances of each individual
case with a declaration in writing by the policy holder that the vehicle was not put to use during
the interim period”.

NOTE:
i. Maximum NCB that can be earned by an Insured is 50%.
ii. An Insured becomes entitled for NCB only at the time of renewal of policy after the expiry of
the full duration of the Policy.

Sunset Clause: If at the renewal falling due any time between 1st July 2002 and 30th June 2003,
both days inclusive, (after completion of the full policy period of 12 months) an insured becomes
entitled to an NCB of 55% or 65% in terms of the Tariff prevailing prior to 1st July 2002, the
entitlement of such higher percentage of NCB will remain protected for all subsequent renewals
till a claim arises under the policy, in which case the NCB will revert to “Nil” at the next renewal.
Thereafter, NCB if any earned, will be in terms of the above table.

Customer Grievance Redressal Policy:

The Company is committed to extend the best possible services to its customers. However, if you
are not satisfied with our services and wish to lodge a complaint, please feel free to call our 24X7
Toll free number 1800-258-5956 or you may email the customer service desk at hello@godigit.com
After investigating the matter internally and subsequent closure, we will send our response.

Senior Citizens can now contact us on 1800-258-5956 or write to us at seniorcitizen@godigit.com.

If you do not get a satisfactory response from us and you wish to pursue other avenues for
redressal of grievances, you may approach Insurance Ombudsman appointed by IRDAI under the
Insurance Ombudsman Scheme.

Digit Two-Wheeler Stand Alone Own Damage Policy – Policy Wording (IRDAN158RP0003V01201920) 8
The contact details of the Insurance Ombudsman centers are mentioned below:

Jurisdiction of Office
Office Location Contact Details
(Union Territory,District)
Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor,Tilak Marg,
AHMEDABAD Relief Road,Ahmedabad – 380 001. Gujarat, Dadra & Nagar Haveli, Daman and Diu
Tel.: 079 - 25501201/02/05/06 , Email: bimalokpal.ahmedabad@ecoi.co.in
Office of the Insurance Ombudsman,Jeevan Soudha Building,PID No. 57-27-N-19,Ground
BENGALURU Floor, 19/19, 24th Main Road,JP Nagar, Ist Phase,Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049 , Email: bimalokpal.bengaluru@ecoi.co.in Karnataka
Office of the Insurance Ombudsman,Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar, Opp.
Airtel Office,
BHOPAL
Near New Market,Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202 , Fax: 0755 - 2769203 ,Email: bimalokpal.bhopal@ecoi.co.in Madhya Pradesh,Chattisgarh
Office of the Insurance Ombudsman, 62, Forest park, Bhubneshwar – 751 009.
BHUBANESHWAR Tel.: 0674 - 2596461 /2596455 , Fax: 0674 - 2596429 , Email:
bimalokpal.bhubaneswar@ecoi.co.in Orissa

Office of the Insurance Ombudsman,S.C.O. No. 101, 102 & 103, 2nd Floor,Batra Building,
CHANDIGARH Sector 17 – D,Chandigarh – 160 017. Punjab,Haryana,Himachal Pradesh,Jammu &
Tel.: 0172 - 2706196 / 2706468 , Fax: 0172 - 2708274 , Email: bimalokpal.bhubaneswar@ecoi.co.in Kashmir,Chandigarh

Office of the Insurance Ombudsman,Fatima Akhtar Court, 4th Floor, 453,Anna Salai, Tamil Nadu,Pondicherry Town and Karaikal (which are
CHENNAI Teynampet,CHENNAI – 600 018. part of Pondicherry).
Tel.: 044 - 24333668 / 24335284 , Fax: 044 - 24333664, Email: bimalokpal.bhubaneswar@ecoi.co.in

Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New
Delhi – 110 002.
DELHI
Tel.: 011 - 23232481/23213504, Fax: 011 - 23230858
Email: bimalokpal.bhubaneswar@ecoi.co.in Delhi.
Office of the Insurance Ombudsman,Jeevan Nivesh, 5th Floor,Nr. Panbazar over bridge,
S.S.Road,
GUWAHATI Assam,Meghalaya,Manipur,Mizoram,Arunachal
Guwahati – 781001(ASSAM).
Tel.: 0361 - 2132204 / 2132205 , Fax: 0361 - 2732937 , Email: bimalokpal.bhubaneswar@ecoi.co.in Pradesh,Nagaland and Tripura.

Office of the Insurance Ombudsman,6-2-46, 1st floor, "Moin Court",Lane Opp. Saleem
HYDERABAD Function Palace, A. C. Guards, Lakdi-Ka-Pool,Hyderabad - 500 004. Andhra Pradesh,Telangana,Yanam and part of Territory
Tel.: 040 - 65504123 / 23312122 , Fax: 040 - 23376599 , Email: bimalokpal.hyderabad@ecoi.co.in of Pondicherry.

Office of the Insurance Ombudsman,Jeevan Nidhi – II Bldg., Gr. Floor,Bhawani Singh Marg,
JAIPUR Jaipur - 302 005.
Tel.: 0141 - 2740363 , Email: bimalokpal.bhubaneswar@ecoi.co.in Rajasthan.
Office of the Insurance Ombudsman,2nd Floor, Pulinat Bldg.,Opp. Cochin Shipyard, M. G.
Road,
ERNAKULAM Ernakulam - 682 015.
Tel.: 0484 - 2358759 / 2359338 , Fax: 0484 - 2359336 , Email:
bimalokpal.ernakulam@ecoi.co.in Kerala,Lakshadweep,Mahe-a part of Pondicherry.

Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 4th Floor, 4, C.R. Avenue,
KOLKATA KOLKATA - 700 072.
Tel.: 033 - 22124339 / 22124340 , Fax : 033 - 22124341 , Email: bimalokpal.kolkata@ecoi.co.in West Bengal,Sikkim,Andaman & Nicobar Islands.

Districts of Uttar Pradesh :Laitpur, Jhansi, Mahoba,

Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur,
Office of the Insurance Ombudsman, 6th Floor,Jeevan Bhawan, Phase-II,Nawal Kishore Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi,
Road,Hazratganj, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur,
LUCKNOW
Lucknow - 226 001. Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti,
Tel.: 0522 - 2231330 / 2231331 , Fax: 0522 - 2231310 , Email: bimalokpal.lucknow@ecoi.co.in Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti,
Ambedkarnagar, Sultanpur, Maharajgang,
Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur,
Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar.
Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz
(W),
MUMBAI Goa, Mumbai Metropolitan Region excluding Navi
Mumbai - 400 054.
Tel.: 022 - 26106552 / 26106960, Fax: 022 - 26106052, Email: bimalokpal.mumbai@ecoi.co.in Mumbai & Thane.
State of Uttaranchal and the following Districts of Uttar
Pradesh:Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun,
Bulandshehar, Etah, Kanooj, Mainpuri, Mathura, Meerut,
Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road,Naya
Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah,
NOIDA Bans, Sector 15,Distt: Gautam Buddh Nagar,U.P-201301.
Farrukhabad, Firozbad, Gautambodhanagar, Ghaziabad,
Tel.: 0120-2514250 / 2514252 / 2514253 , Email: bimalokpal.noida@ecoi.co.in
Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj,
Sambhal, Amroha, Hathras, Kanshiramnagar,
Saharanpur.

Office of the Insurance Ombudsman, 1st Floor,Kalpana Arcade Building, Bazar Samiti Road,
PATNA Bahadurpur, Patna 800 006.
Tel.: 0612-2680952 , Email: bimalokpal.patna@ecoi.co.in Bihar,Jharkhand.

Office of the Insurance Ombudsman,Jeevan Darshan Bldg., 3rd Floor,C.T.S. No.s. 195 to 198,
PUNE N.C. Kelkar Road, Narayan Peth,Pune – 411 030. Maharashtra,Area of Navi Mumbai and Thaneexcluding
Tel.: 020-41312555 , Email: bimalokpal.pune@ecoi.co.in Mumbai Metropolitan Region.

Note: GOVERNING BODY OF INSURANCE COUNCIL, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W),
Mumbai - 400 054. Tel.: 022 - 26106889/671/980, Fax: 022 - 26106949, Email: inscoun@ecoi.co.in