Welcome to Edme Insurance Brokers Limited!

Dear MR. MEDAVARAPU SAI RAM,

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
ATHER 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 ATHER 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.
 ICICI Lombard General Insurance Co. Ltd.
Bundled - Two wheeler Policy CERTIFICATE CUM POLICY SCHEDULE CUM RECEIPT
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989) UIN -IRDAN115RP0019V01202122
Policy No: 3005/A4-20425818/00/000 Proposal No. & Date: PR859583, 07-MAY-2025
Policy Issued On: 07-MAY-2025 16:31 HRS Previous Policy No.: NA
Insured Name: MR. MEDAVARAPU SAI RAM Previous Insurer: NA
SAIRAM ELEGANCE HNO 2-19-65/19 VISAT AT ENCLAVE AZMATH Period of Own Damage : 07-MAY-2025 (16:31) To 06-MAY-2026 (1 YEAR)
Insured Address:
NAGAR, HYDERABAD , TELANGANA (State Code:36) -500039 Period of Liability Cover: 07-MAY-2025 (16:31) To 06-MAY-2030 (5 YEARS)
Period of Compulsory PA 07-MAY-2025 (16:31) To 06-MAY-2026 (1 YEAR)
Cover:
Nominee Name: SHARANYA Age:26 Relation: SPOUSE
Servicing Office of Insurer : D. No : 6-3-352 / 1, Second and Third Floor, Osman Plaza, Road No 1, Hyderabad, Telangana 500034, HYDERABAD, TELANGANA (State Code:36) -500034
PAN NA GSTIN: 36AAACI7904G1ZO

Vehicle Details
Make Model Variant Killowatt Manufacturing Year Seating capacity
ATHER 450X HR WITH SOFTWARE 3.7 2025 2
Body Type Registration No. RTO Hypothecation/Lease* Fuel Type VIN/Chassis No.
SCOOTER NEW HYDERABAD NO ELECTRIC MYHABECA1SBC08099
Vehicle IDV Electrical Accessories Non-Electrical Accessories BI Fuel Kit Total IDV Front/Rear Motor No
159,885 0 0 0 159,885 ABBSX223002
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A)
Basic Own Damage Premium Amount(Rs) Discounts Amount(Rs)
Vehicle 2,731 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 (0%) 0
Sub Total (Basic Premium) 2,731 Handicapped Discount (IMT-12) 0
Geographical Area Extension (IMT-1) 0 Sub Total (Deductibles) 0
IMT 23 Premium 0
Add On Coverages CM,EME,RT,RTI,BP,ZD 1808
Sub Total-Addition 4,539 Net Own Damage Premium (A) 4,539
Liability Premium(B)
Basic Third Party Liability Premium 3,273 Third Party Liability For Bi-Fuel Kit 0
Geographical Area Extension (IMT-1) 0 Sub Total (Third Party Liability) 3,273
Compulsory PA Cover for Owner Driver Rs 1500000 (IMT-15) 525
PA Cover for 0 Unnamed Passengers Rs 0 Each (IMT-16) 0
PA cover for Paid Driver of Rs 0 (IMT± 0
Sub Total PA Cover 525
Legal Liability
Paid Driver (IMT-28) 0
Employees (for 0 persons) (IMT±  0
0
Net Liability Premium (B) 3,798
Total Premium (A+B) 8,337
SGST(9%) 751
CGST(9%) 751
Battery No: BGCS3B00226948 Gross Premium Paid 9,839
Addon UIN - Consumables, Medical Expenses, TYRE AND ALLOY COVER, Return to Invoice, Battery Protect, Zero Depreciation
Note: 1. Policy issuance is subject to realization of cheque
2. New Challan /Deface Number: CSD112025527, Challan Date: 30/01/25 And this challan will be effective from: 28/04/2025 Note: This challan number is not applicable for Jammu & Kashmir policies.
3. The policy is subject to compulsory deductible of Rs.100 (IMT-22)
4. Geographical Area Ext. extended to (IMT-1): NA
*Subject to IMT Endt. Nos.& Memorandum:22,15
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".
Limits of Liability Clause: Under Section II-1(i) of the policy-Death of or bodily injury: Such amount as is necessary to meet the requirements of the Motor Vehicle Act 1988.Under Section II-1 (ii) of the policy-Damage to third
party property is Rs. 7.5 lakhs PA Cover Under Section III for Owner-Driver is Rs. 1,500,000.
Grievance Clause:
Registered & Corporate Office of Insurer : D. No : 6-3-352 / 1, Second and Third Floor, Osman Plaza, Road No 1, Hyderabad, Telangana 500034, HYDERABAD, TELANGANA (State Code:36) -500034
IRDAI Registration No.: 115 CIN: l67200MH2000PLC129408
Hypothecation Details:
MISP Code: AB-MRT000077, MISP Name: SREE KRISHNA AUTOMOTIVES HYD.PVT.LTD., DP Name: P AKHILA, DP Code: AB-DPRT000053
Receipt No: 18052574613 PAYMENT MODE: APD
HSN/SAC : 997134 Description of Service : Motor Vehicle Insurance Services Place of Supply : TELANGANA(State Code-36)
Important Notice: The insured is not indemnified, if the vehicle is used or driven otherwise than in accordance with the schedule. Any payment made by the company by reasons of wider terms
appearing in the certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from the insured. See the clause headed AVOIDANCE OF CERTAIN TERMS & RIGHT OF
RECOVERY. For legal interpretation, English version will hold good.
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 ICICI Lombard 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.icicilombard.com 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.
ͲWĞƌƐŽŶĂůĐĐŝĚĞŶƚĐŽǀĞƌĨŽƌŝŶĚŝǀŝĚƵĂůŽǁŶĞƌƐŽĨƚŚĞǀĞŚŝĐůĞǁŚŝůĞĚƌŝǀŝŶŐ͘ Age of the vehicle % of Depreciation
Not exceeding 6 months Nil
Ͳ>ĞŐĂů>ŝĂďŝůŝƚLJĚƵĞƚŽĂĐĐŝĚĞŶƚĂůĚĂŵĂŐĞĨŽƌ
Exceeding 6 months but not exceeding 1 year 5%
ͲŶLJƉĞƌŵĂŶĞŶƚŝŶũƵƌLJͬĚĞĂƚŚŽĨĂƉĞƌƐŽŶ
ͲŶLJĚĂŵĂŐĞĐĂƵƐĞĚƚŽƚŚĞƉƌŽƉĞƌƚLJ
Exceeding 1 year but not exceeding 2 years 10%
- Towing Charges as applicable
Optional Extensions Exceeding 2 years but not exceeding 3 years 15%
Ͳ>ŽƐƐŽĨůĞĐƚƌŝĐĂůͬEŽŶͲůĞĐƚƌŝĐĂůĂĐĐĞƐƐŽƌŝĞƐ
Exceeding 3 years but not exceeding 4 years 25%
Ͳ>ĞŐĂů>ŝĂďŝůŝƚLJƚŽƉĂŝĚĚƌŝǀĞƌ͕ĐůĞĂŶĞƌŽƌĂŶLJǁŽƌŬŵĂŶ
ͲWĞƌƐŽŶĂůĐĐŝĚĞŶƚĐŽǀĞƌĨŽƌƚŚĞŽĐĐƵƉĂŶƚƐ 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 ATHER 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
Not exceeding 6 months 5%
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
40%
years
Exceeding 4 years but not exceeding 5
50%
years