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Third Party Only digital copy
Policy Number: BCTA10357674142/00
Car Reg. no. Policy Starts Policy Expires
Maruti Wagon R KA09P1641 2025 2026
Car Owner
VAISHNAVI R A
27 26
March March
Plan Coverages
Third-party car insurance is a basic, mandatory vehicle insurance policy that covers you against third-party liabilities for one year. However, it is not
beneficial in case your car gets damaged, as the repair cost here is not paid by the insurance provider.
Third Party
Covers financial or legal losses due to damage to any third-party person (unlimited) or property (up to Rs. 7.5
Third Party liability Lac).
Addons Selected
Compulsory Personal This cover provides a coverage of up to Rs.15 lakh for accidental death or disability of the car owner.
Accident Cover
Please refer to the addon detail page for more information.
What's not covered
Accident Coverage for damages and losses to your vehicle resulting from accidents and collisions.
Theft Coverage for losses (up to the total declared insurance value) in the event of theft of your vehicle.
Fire Coverage for damages and losses to your vehicle resulting from accidental fires.
Calamities Coverage for damages and losses resulting from calamities such as earthquakes, floods, and cyclones.
Non-Accidental Damages Damages resulting from wear and tear, breakdowns, and mechanical failures.
Regular wear and tear of these items is not covered by the policy. However, if the items are damaged in an
Tyres & Tubes accident along with the vehicle damage, they will be covered with a 50% depreciation cut.
If you are installing non-OEM parts such as halogen bulbs, stereos, or bifuel kits, please inform us in advance
Undeclared Non-OEM parts so that we can add them to your coverage.
QUICK As per the Indian Motor Tariff Act, it is mandatory for the car owners to at least get their car insured
TIP under a third party insurance plan.
What are the reasons my claim might get rejected?
Commercial usage of the car
If the car is registered as a private vehicle and is used for commercial purposes, then the losses or liabilities due to
accidents during such usage are not covered under this policy.
Illegal Driving
Damage resulting from a person driving the car without a valid driving license or under the influence of liquor/drugs is not
covered under this policy.
Also keep in mind
File a First Information Report (FIR): You should file an FIR at the local police station and inform ACKO about the incident
immediately. If you do not follow these actions, your third party insurance claim may be rejected.
Record evidence: Ensure there is enough evidence about the accident or incident to prove the other party's mistake.
Understand the maximum liability: While there is no capped limit for compensation towards injuries or death, the maximum amount
set for damages to third party property is limited up to Rs. 7.5 lakhs.
Had an accident?
3 easy ways to claim!
FASTEST
Via Visit Call us
Acko app www.acko.com 1800 266 2256
How do I claim with ACKO?
STEP 1 STEP 2 STEP 3
We settle
Inform ACKO first via acko. We handle your
approved
com or Acko app claim process
claim amount
Track realtime status of your repair/claim on our Acko App
Acko's GSTIN: 29AAOCA9055C1ZF
Car & Premium details(Liability Only Policy - Private Car)
Certificate of insurance cum policy schedule
Car & car owner details
Registration number KA09P1641 Name VAISHNAVI R A
Reg. Authority name KA09 Email ID aa*******@gmail.com
Car Maruti Wagon R Phone number 98******06
Variant LXI Pincode 570001
Hypothecation NA Place of supply Karnataka
Registration year 2007
Engine CC/ Fuel type 998/Petrol + LPG/CNG
Engine number F10DN4345137
Chassis number MA3EED81S00521140
What you paid to ACKO - Third Party Only
Liability Premium (B)
Basic Third Party 2,094.00
Addon(s) Premium
Third party CNG premium 60.00
Compulsory Personal Accident Cover 399.00
Net Liability Premium (B) 2,553.00
Total Package Premium 2,553.00
SGST (9%) 230.00
CGST (9%) 230.00
Total Premium 3,013.00
Previous Policy document is required in case of claim within 30 days of Acko Policy Start Date
Reverse Charge-Not applicable
For Acko General Insurance
Ltd. Constituted Attorney
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TIP
Selected Addon's Explained
Compulsory Personal Accident Cover Validity: 27th Mar 25 - 26th Mar 26
UIN: IRDAN157RP0024V01201819
Having a personal accident cover is mandatory by law. This provides coverage for disability or death of the owner-driver in case
of an unfortunate accident.
QUICK
Add-ons are just like toppings on pizza, they enhance coverage of your car insurance policy!
TIP
Limitations as to use
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 Trials
g. Any purpose in connection with Motor Trade.
Persons or Class of Persons entitled to drive:
Any person including the insured, provided that a person driving holds an effective driving license at the time of the accident and is not
disqualified from holding or obtaining such a license. Provided also that the person holding an effective learner's license may also drive the
vehicle and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.
Limits of Liability:
1. 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 Vehicles
Act, 1988.
2. Under Section II - 1(ii) of the policy -Damage to Third Party Property - Rs. 750000.0
3. P. A. Cover under Section III for Owner - Driver (CSI): Rs. 1500000.0
Terms, Conditions & Exclusions:
As per the Indian Motor Tariff. A personal copy of the same is available free of cost on request & the same is also available at our website.
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.Stamp Duty of Rs 0.50 is paid as provided under Article 47 of Indian Stamp Act, 1899 and
included in the Consolidated Stamp Duty paid with the Department of Stamps, Bengaluru - Karnataka
Important Notice:
The Insured is not indemnified if the vehicle is used or driven otherwise than in accordance with this Schedule. Any payment made by the
Company by reason of wider terms appearing in the Certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from the
Insured. See the clause headed "AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY”.
Intermediary details:
PhonePe Insurance Broking
Policy issue office Bengaluru Intermediary name
Services Pvt. Ltd
Phone number 080-68727888 Intermediary code 918
Disclaimer:
The Policy shall be void from inception if the premium cheque is not realized. 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. This policy is to be read in conjunction with the policy wordings
(https://www.acko.com/download) available on the website of the company. On renewal, the benefits provided under the policy and/or terms
and conditions on the policy including premium rate may be subject to change. In case of any kind of total loss or theft, settlement will be
done after adjusting for subsidy. In case of discrepancy/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.
Prohibition of rebates (section 41) of the insurance act - 1938 (as amended)
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 and
insurance in respect of any kind or 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
expect such rebate as may be allowed in accordance with the prospectus or tables of 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 10 lakh rupees.
For Acko General Insurance Ltd.
Duly Constituted Attorney
ACKO General Insurance Limited Product: Liability Only Policy - Private Car IRDAI Reg No.: 157
Acko Address - 36/5, Hustlehub One East, Somasandrapalya CIN : U66000KA2016PLC138288 HSN: 997134
27th Main Rd, Sector 2,HSR Layout, Bengaluru, 560102 UIN : IRDAN157RP0001V01201718
Proposal Form
Dear VAISHNAVI R A,
We wish to inform you that the Insurance policy number BCTA10357674142/00 has been issued on the basis of the information and
declaration given by you, the transcript whereof is mentioned below.
Please be informed that this Policy shall be construed to be void ab initio/invalid in the event we find that you have not disclosed material or
correct information required for the purpose of providing the below insurance cover and in case of any claim arising under the policy in such a
scenario, we shall be under no obligation whatsoever to settle such claim to you and the premium paid by you under this policy shall stand fully
forfeited.
Policy Details Car owner details
Period of insurance 27 Mar 25 12:00 AM to 26 Name VAISHNAVI R A
Mar 26 11:59 PM
Email aa*******@gmail.com
Policy issuance date 25 Mar 25 01:09 PM
Mobile number 98******06
Pincode 570001
Car details Nominee
Car number KA09P1641 Name ARAVINDA R K
Make/ Model Maruti Wagon R Relationship Spouse
Type private Age 51
Fuel type Petrol + LPG/CNG
Registration year 2007
Registration month April
Premium receipt Previous policy details
Invoice number BCTA10357674142/00 Previous policy expired Not Expired
Net Premium 2,553.00 Previous policy insurer NA
CGST (9%) 230.00 Previous Claim false
SGST (9%) 230.00
Total Premium 3,013.00
Payment Date 25 Mar 25 12:56 PM
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 of CGST Rules 2017. We are not required to prepare an invoice In terms or the provisions or the
said sub-rule.
