BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LTD.

Regd. Office & Head Office: Bajaj Allianz House, Airport Road, Yerawada, Pune-411006.
IRDAI Registration No.113
Corporate Identity Number: U66010PN2000PLC015329

Policy Issuing,correspondence address for communic-

Bajaj Finserv Building, 1st Floor, Behind Weikfield IT-Park, Viman Nagar, Pune-
ation by policy [or certificate of insurance] hold-
411014 PH:1800-209-0144
er,policy/claim servicing, notices and or summons
Insured Name AMAN BHARDWAJ Policy Number OG-26-9906-1870-00000332

Welcome to Bajaj Allianz Family

AMAN BHARDWAJ
B-103 ST NO-15 JAGATPURI, EXTENSION SHAHDARA, NAND NAGRI,
NORTH EAST, DELHI, , LONI ROAD HOUSING COMPLEX, EAST DELHI,
DELHI-110093

Customer ID : 471056459
Dear Customer,
Thank you for choosing Bajaj Allianz General Insurer as your preferred insurer. Bajaj Allianz General Insurance Company Limited, a con-
sistently profitable insurer enjoys a reputation of expertise, stability and strength. We are a customer focused market leader present in over
200 locations across India. As an organization we strive to understand the risk management needs of our consumers and translate it into af-
fordable products and services of global quality that deliver value for money. Bajaj Allianz has an ISO Certified claims,Operations and Ser-
vices processes and has received iAAA rating for the last three consecutive years from ICRA Limited, an associate of Moody's Investors Ser-
vice, for claims paying ability. The rating indicates highest claims paying ability and a fundamentally strong position in the industry.

We request you to kindly go through the contents of the policy schedule and the terms and conditions. In case of any clarification or dis-
agreement, please write to us at bagichelp@bajajallianz.co.in within fifteen days of receipt of this policy.
We assure you the best of our services and look forward to a continual patronage and association with you.

For & on the behalf

Bajaj Allianz General Insurance Company Ltd.

Authorized Signatory

For help and more information:

Contact our 24 Hour Call Centre at 1800-102-5858, 1800-209-5858, Toll Free: 30305858( chargeable, add area code before this number in case of mobile call) Email us at Bagichelp@bajajallianz.co.in or
Visit our Website www.bajajallianz.com
Corporate Identification Number U66010PN2000PLC015329
 Bajaj Allianz General Insurance Company Ltd.
Regd. Office & Head Office: Bajaj Allianz House, Airport Road, Yerawada, Pune-411006
IRDAI Registration No. 113
Corporate Identity Number: U66010PN2000PLC015329
Transcript of Proposal for Standalone Own Damage Cover for Private Car
Named Driver Basis

Dear AMAN BHARDWAJ,

We wish to inform you that the contract under policy number 'OG-26-9906-1870-00000332' has been finalized based on the
proposal / information and declaration given by you, the transcript whereof is mentioned below. You are requested to
reconfirm the same. In case of any disagreement or objection or any changes with respect to information mentioned below, we
request you to please revert back within a period of 15 days from date of your receipt of this transcript along with Policy
failing which it will be deemed that you have positively confirmed/ are satisfied with the correctness of the details mentioned
below. Kindly note that as the contents and declarations contained in this transcript is the basis on which we have issued the
policy to you, we advise you to please ensure that you have provided/disclosed and or not withheld any material
facts/information and declarations, as Policy becomes Void ab initio if material facts are not provided/disclosed and or
withheld and in such case no claim, if any, will be considered by us apart from forfeiture of the premium.
Details provided by you:

A. Proposer details
1. Proposer Name : AMAN BHARDWAJ
2. Proposer Address : B-103 ST NO-15 JAGATPURI, EXTENSION SHAHDARA, NAND NAGRI, NORTH
EAST, DELHI,
, LONI ROAD HOUSING COMPLEX, EAST DELHI, DELHI-110093
3. Proposer Mobile Number : 7379890315
4. Proposer Residential Number : NA
5. Proposer e-mail id : AMANBHARDWAJ5@GMAIL.COM
6. Proposer Profession : NA

B.Vehicle Details
Registration Month / Year Vehicle Vehicle Vehicle Sub Cubic Capa- Fuel Type Year of Man- Seating Ca-
Number of Regn Make Model Type city ufacture pacity
DL7CW8936 JUL/2024 HONDA ELEVATE 1.5 ZX MT 1498 Petrol 2024 5
PETROL

Engine Number Chassis Number Vehicle IDV (in Electrical Non-Electrical CNG/LPG Unit Total IDV (in
Rs.) Accessories Accessories (Extra fitted) Rs.)
IDV (in Rs.) IDV (in Rs.) IDV (in Rs.)
L15ZD2234074 MAKDG577BR4 1281843 0 0 0 12,81,843.00
005508
 C. Coverage opted

From : 15-JUL-2025 00:01 (Hrs)

1. Own Damage Standalone Cover Period of Insurance
To : 14-JUL-2026 Midnight
From : 15-JUL-2024 To
Period of Insurance
: 14-JUL-2027
Details of Active Third Party
2. KOTAK MAHINDRA
Liability Policy Name of Insurance Company
GENERAL INSURANCE
Policy Number 4713316400

3. Is your vehicle fitted with external LPG/CNG kit : No.

4. Electrical Accessories cover Opted (If Applicable) : No.
5. Non - Electrical Accessories cover Opted (If Applicable): : No.
6. Is Voluntary Excess opted : No.
Amount of voluntary excess opted : Rs.NA.
7. compulsory deductible : Rs.1,000.00
8. Is any additional compulsory deductible imposed and agreed upon : Yes.
Amount of additional compulsory deductible imposed : Rs.1000
9. Whether geographical area extension is opted : No.
Details of Countries to which geographical area extension cover is given : NA.
10. Pre Existing damages in the vehicle : NA.
11. Total Premium (excluding GST) for OD coverages, quoted and agreed upon is : Rs.22636
12. Do you have valid PUC certificate of the vehicle : NA
13. NCB (No Claim Bonus) claimed by you and granted by us based on your : 0 %.
declaration of no claim during your previous policy
14. Previous Own Damage Policy Detail
(i) Insurer Name KOTAK MAHINDRA GENERAL INSURANCE.
(ii) Previous Policy No. 4713316400, Previous Policy Expiry Date :14-JUL-2025
15. Whether your vehicle is Hypothecated and if so the details of Pledgee whose name is registered by us: No.
Name of Pledgee : NA.
16. Add on Cover(s) opted : Yes
Plan Name:Personal Baggage Cover And Drive Assure Welcome And Vehicle Replacement Advantage And Key And
Lock Replacement CoverPlan Description: , Named Driver (Count 1 :Refer Transcript for applicable Named Drivers) Plan
Description: 24x7 spot assistance , depreciation shield , vehicle replacement advantage , ,keys and locks replacement cover
with sum insured Rs.50000 ,personal baggage cover with sum insured Rs.30000 Plan Name: Named Driver
Named Driver Details:-
Driven by Owner Driver - YES
Owner Driver Driving License No:- DL0520080063206
Owner Driver Name - AMAN BHARDWAJ
Other Vehicle Liability Sum Insured (For Owner Driver) Rs. 100000
Please call us on 1800 103 5858 for any emergency.

17. To support our Go Green initiative, send policy copy link on registered mobile number / email id: NO

Please note Cover Note No. / issued to you basing on the above information.
In case of Disagreement or objection or any changes with respect to information and contents mentioned hereinabove, please
contact our toll free number & register your objections/changes/disagreement to the contents 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 with Policy:
I/We hereby unconditionally allow the Company to share all my / our information being collected in this proposal form or
through telephonic / email / web-inputs means or other means, as updated from time to time within group entities.
Toll free Number : 1800-102-5858,1800-209-5858
Email address : Bagichelp@bajajallianz.co.in
Website : www.bajajallianz.com
Contact our policy servicing branch at: Bajaj Finserv Building, 1st Floor, Behind Weikfield IT-Park, Viman Nagar,
Pune-411014 PH:1800-209-0144.
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 IN BREACH OF COMPLYING WITH THE PROVISIONS OF THIS SECTION SHALL BE PUNISHABLE
WITH FINE WHICH MAY EXTEND TO RUPEES TEN LAKH.Bajaj Allianz General Insurance Co Ltd
 

BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED

Regd. Office & Head Office: Bajaj Allianz House, Airport Road, Yerwada,Pune-411006(India)
IRDAI Registration No. 113
Corporate Identity Number: U66010PN2000PLC015329
STANDALONE OWN DAMAGE COVER FOR PRIVATE CAR
Certificate of Insurance
Certificate of Insurance ( STANDALONE OWN DAMAGE COVER FOR PRIVATE CAR)

UIN : IRDAN113RP0001V01201920
Named Driver Basis
Policy issuing office and correspondence address for communication by holder of Bajaj Finserv Building, 1st Floor, Behind
Certificate of Insurance for claim, service request, notice, summons, etc: Weikfield IT-Park, Viman Nagar,
Pune-411014 PH:1800-209-0144
Insured Name AMAN BHARDWAJ Policy Number OG-26-9906-1870-00000332
Certificate No. NA

INSURED DETAILS POLICY DETAILS

Insured Address B-103 ST NO-15 JAGATPURI, Policy Issued on 24-JUN-2025
EXTENSION SHAHDARA, Period of Insurance For Own Damage Section For Third Party Liability
NAND NAGRI, NORTH EAST, Section
DELHI, , LONI ROAD
HOUSING COMPLEX, EAST From : 15-JUL-2025 From : 15-JUL-2024 To
DELHI, DELHI-110093 00:01 (Hrs) : 14-JUL-2027
To : 14-JUL-2026
Midnight
Third Party Liability Name of Insurance Co Policy Number
Section KOTAK MAHINDRA 4713316400
GENERAL INSURANCE
Customer ID 471056459 Policy Status ISSUED
GSTIN / UIN 07ANMPB9823F1ZY Cover Note Details /
Place of Supply/State 07 - Delhi Previous Policy No 4713316400 / KOTAK MAHINDRA GENERAL
Code/Name INSURANCE
Particulars of Vehicle Insured:
Registration Number Place of Registration Engine Number Chassis Number Make & Model
DL7CW8936 DL7C-DELHI L15ZD2234074 MAKDG577BR40055 HONDA - ELEVATE
08

Sub Type Year of Mfg NCB % CC Seating Capacity

1.5 ZX MT PETROL 2024 0 1498 5

Name of Registration Authority : DL7C-DELHI

Name and Address of Insured : AMAN BHARDWAJ
: B-103 ST NO-15 JAGATPURI, EXTENSION
SHAHDARA, NAND NAGRI, NORTH EAST,
DELHI, , LONI ROAD HOUSING COMPLEX, EAST
DELHI, DELHI-110093
Geographical Area : .00
Business or Profession : NA
Persons or Class of Persons entitled to drive:
Any person including the insured:
a) 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.
b) Provided also that the person holding an effective learner's license may also drive the vehicle and that such a person satisfies

For help and more information:

Contact our 24 Hour Call Centre at 1800-102-5858, 1800-209-5858, Toll Free: 30305858( chargeable, add area code before this number in case of mobile call) Email us at
Bagichelp@bajajallianz.co.in or Visit our Website www.bajajallianz.com
Corporate Identification Number U66010PN2000PLC015329
Latest Schedule - 24-Jun-2025 14:12:52 PM- Silent_Printing (Web) (9906)
the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.
IMT-Endorsements/Add on Package
10, 22, & Plan Name:Personal Baggage Cover And Drive Assure Welcome And Vehicle Replacement Advantage And Key
And Lock Replacement CoverPlan Description: , Named Driver (Count 1 :Refer Transcript for applicable Named
Drivers) & Plan Description: 24x7 spot assistance , depreciation shield , vehicle replacement advantage , ,keys and locks
replacement cover with sum insured Rs.50000 ,personal baggage cover with sum insured Rs.30000 Plan Name: Named Driver
Named Driver Details:-
Driven by Owner Driver - YES
Owner Driver Driving License No:- DL0520080063206
Owner Driver Name - AMAN BHARDWAJ
Other Vehicle Liability Sum Insured (For Owner Driver) Rs. 100000
Beneficier Details:
Beneficier1 Beneficier2 Beneficier3 Beneficier4 Beneficier5

Limitations as to Use:
The Policy covers use 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
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 provi-
sions of Chapter X and Chapter XI of M.V. Act, 1988.
For & On Behalf of
Bajaj Allianz General Insurance Company Ltd.

Authorized Signatory
 

BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED

Regd. Office & Head Office: Bajaj Allianz House, Airport Road, Yerwada,Pune-411006(India)
IRDAI Registration No. 113
Corporate Identity Number: U66010PN2000PLC015329

STANDALONE OWN DAMAGE COVER FOR PRIVATE CAR

POLICY SCHEDULE
Named Driver Basis
IRDAN113RP0001V01201920
Policy issuing office and Correspondence address for communication by policyholder for claim, service request, notice, summons, etc:
Bajaj Finserv Building, 1st Floor, Behind Weikfield IT-Park, Viman Nagar, Pune-411014 PH:1800-209-0144
Note:-
The coverage under this policy is only for Own Damage and no other liability in connect with the vehicle.
Policy will be void ab initio in case of misrepresentation/ fraud or non-existence of valid Third party liability policy for the full Policy
period of this Standalone own damage cover-private car policy
INSURED DETAILS POLICY DETAILS
Insured Name AMAN BHARDWAJ Policy Number OG-26-9906-1870-00000332
B-103 ST NO-15 JAGATPURI, EXTEN- Policy Issued on 24-JUN-2025 14:12 PM
SION SHAHDARA, NAND NAGRI,
Insured NORTH EAST, DELHI, , LONI ROAD From :15-JUL-2025
Address HOUSING COMPLEX, EAST DELHI,
DELHI-110093 Details of Own 00:01 (Hrs)
Policy Period
Geographical .00 Damage Stan- To :14-JUL-2026
Area dalone Cover Midnight
Customer ID
471056459 From : 15-JUL-2024
Policy Period
Bank Reference To : 14-JUL-2027
No 1 Details of Active
KOTAK MAHINDRA
Third Party Liab- Name of Insur-
07ANMPB9823F1ZY GENERAL INSUR-
GSTIN / UIN ility Policy ance Co.
ANCE
Place of Supply/ 07 - Delhi
State Code/Name Policy Number 4713316400
Company 27AABCB5730G1ZX
GSTIN Cover Note
/
Company PAN AABCB5730G Details
Invoice No 456967258/1 4713316400 / KOTAK MAHINDRA
Previous Policy No
GENERAL INSURANCE

Make & Mod-

Registration Number Place of Registration Engine Number Chassis Number SubType
el
MAKDG577BR40 HONDA - EL- 1.5 ZX MT
DL7CW8936 DL7C-DELHI L15ZD2234074
05508 EVATE PETROL
Year Of Manufactur-
NCB % CC/KW Seating Capacity Hypothecation Details
ing
0 1498 5 2024

Non electrical Electrical/Elec- Value of CNG/

Vehicle IDV Value For Side Car Total Value
accessories tronic accessories LPG kit
1281843 0 0 0 0 12,81,843.00

Own Damage Premium(Rs.) Final Premium(In Words): Rupees Twenty Six Thou-
For help and more information:
Contact our 24 Hour Call Centre at 1800-102-5858, 1800-209-5858, Toll Free: 30305858( chargeable, add area code before this number in case of mobile call) Email us at Ba-
gichelp@bajajallianz.co.in or Visit our Website www.bajajallianz.com
Corporate Identification Number U66010PN2000PLC015329
Latest Schedule - 24-Jun-2025 14:12:52 PM- Silent_Printing (Web) (9906)
 

Own Damage Premium 22636 sand Seven Hundred Ten Only

Integrated GST (18%) 4074
Final Premium Rs. 26710

**Note: The above Total OD Premium is inclusive of all applicable Loading /Discounts viz (Automobile association membership, Voluntary Excess,
Anti Theft, Handicap Person, Driver Tuition, Fiber Glass, CNG/LPG Unit, Geographical Extension, Imported Vehicle Etc. wherever Applicable)

As per the GST regulations, the amount of GST will not be refunded if the policy / endorsement is cancelled after 30th September of the next financial year
I/We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover noti-
fied 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.

Limitation as to Use The Policy covers use of the vehicle for any purpose other than : Hire or reward, Carriage of
goods( other than samples or personal luggage),Organised racing,Pace making, Speed testing,
Reliability trials. Any purpose in connection with Motor Trade.
Driver Any person including the insured provided that a person driving holds an effective driving li-
cense 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
when not used for the transport of goods/passengers at the time of the accident and that such a
person satisfies the requirements of Rule 3 of the Central Motor Vehicle Rules, 1989.
No Claim Bonus The insured is entitled for 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: 1. The preceding
year: 20% , 2. Preceding Two consecutive years: 25% , 3. Preceding Three consecutive years:
35%, 4. Preceding Four consecutive years: 45% , 5. Preceding Five consecutive years: 50% No
Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry
date of the previous policy.
Existing Damage Details NA
Nominee Details Name :NA - Relationship :NA
Subject to Warranties/ 10, 22, & Plan Name:Personal Baggage Cover And Drive Assure Welcome And Vehicle Re-
IMT-Endorsements/ placement Advantage And Key And Lock Replacement CoverPlan Description: , Named Driver
Add on Package (Count 1 :Refer Transcript for applicable Named Drivers) & Plan Description: 24x7 spot assist-
ance , depreciation shield , vehicle replacement advantage , ,keys and locks replacement cover
with sum insured Rs.50000 ,personal baggage cover with sum insured Rs.30000 Plan Name:
Named Driver
Additional Details Coinsurance Details: - . Transaction Id: -
Premium Details Receipt No. 9906-12233002, Date 24-JUN-25 ** If Premium paid through Cheque, the Policy is
void ab-initio in case of dishonour of Cheque.
Excess Details Compulsory Excess: Additional Excess: Rs.1000 Voluntary Excess: Rs..00
Rs.1,000.00
Theft Excess: Rs.0
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.
Warranted that insured named herein or owner of the vehicle insured holds a valid Pollution Under Control (PUC) and / or Fitness Certificate on the date of
commencement of the Policy. If the PUC and/or Fitness Certificate is not found to be valid on the date of commencement of the Policy, the Company reserves
its right to consider the policy void ab initio.
It is mandatory to keep your policy with updated contact (Mobile No., Email ID and PAN Card) and bank account details, to process any of
your service requests faster and hassle-free in future.
You can update the same through Caringly yours App {Link}, WhatsApp Service { Say Hi on WhatsApp - +91 75072 45858}, Contact our
24-Hour Call Center at 1800-209-5858, 1800-102-5858, Give a Missed Call on 8080945060, SMS WORRY to 575758, Email ba-
gichelp@bajajallianz.co.in, website {http://www.bajajallianz.com}, contact your agent or nearest branch.
For & On Behalf of
Bajaj Allianz General Insurance Company Ltd.
 

Stamp
Duty Rs.
0.50

Authorized Signatory
This document is digitally signed, hence counter signature / stamp is not required.
Consolidated Stamp Duty of Rs. 0.50/- paid for insurance policy stamps vide Order No. CSD/19/2025/816 dated 01-MAR-25 of General Stamp Office, Mumbai, India.

Principal Location : Bajaj Allianz House, Airport Road, Yerwada, Pune - 411006 PH:66026666 | Services Accounting Code : 997134 -
Motor vehicle insurance services. No reverse charge is payable on these services.

For help and more information:

Contact our 24 Hour Call Centre at 1800-102-5858, 1800-209-5858, Toll Free: 30305858( chargeable, add area code before this number in case of mobile call) Email us at Ba-
gichelp@bajajallianz.co.in or Visit our Website www.bajajallianz.com
Corporate Identification Number U66010PN2000PLC015329
Latest Schedule - 24-Jun-2025 14:12:52 PM- Silent_Printing (Web) (9906)
 Bajaj Allianz General Insurance Company Ltd.
Bajaj Finserv Building, 1st Floor, Behind Weikfield IT-Park, Viman Nagar, Pune - 411014
Contact No:Contact No: 1800-209-0144

RECEIPT

Receipt Number 9906-12233002

Receipt Date 24/06/2025
Business Channel WS

Received with thanks from AMAN BHARDWAJ

(Customer ID : 471056459 ) a total sum of Rupees Twenty Six Thousand Seven Hundred Ten
Only by,

Instrument Instrument No. Instrument Bank Name Branch Name Amount

Type Date
Online Pay- 110756903 24/06/2025 NA NA 26,710
ment

Total Amount Rs. 26,710.00

Issuance of this receipt does not amount to acceptance of the risk by Bajaj Allianz General In-
surance Company Limited. The insurance cover for the risk shall be as per the terms and con-
ditions of the Insurance Policy if and when issued.
* Cheque/DD/PO receipt is valid subject to realisation of the instrument.

For & on behalf of

Bajaj Allianz General Insurance Company Ltd.

Authorised Signatory

Regd.Office: Bajaj Allianz House,Airport Road, Yerwada, Pune - 411006

 PRIVATE CAR STANDALONE OD POLICY: ADD ON COVERS(Plan Name:Personal Baggage Cover And Drive As-
sure Welcome And Vehicle Replacement Advantage And Key And Lock Replacement CoverPlan Description: , Named

S1 - 24x7 SPOT ASSISTANCE

(UIN No. IRDAN113RP0001V01201920/A0009V01201920)
A. Endorsement Wordings
In consideration of the payment of additional premium, it is hereby agreed and declared that You shall be entitled to one or
more of the below mentioned benefits depending on the plan opted by You and as shown on the Schedule :
(A) Flat Battery: In the event of the Insured Vehicle being immobilized due to a flat battery, We will make al-
ternative arrangements to make the Insured Vehicle mobile again provided the event has occurred within 100
kilometers from the center point of the city of Your residence and the Insured Vehicle has not reached a work-
shop/repairer. (B) Spare Keys: In the event of You losing keys of the Insured Vehicle , We will arrange for the
pick up and delivery of spare keys to the spot where the Insured Vehicle is located provided the event has oc-
curred within 100 kilometers from the center point of the city of Your residence and the Insured Vehicle has not
reached a workshop/repairer. (C) Flat Tyre: In the event of the Insured Vehicle being immobilized due to flat
tyres, We will arrange for the refill of the flat tyres and/or replacement of the flat tyres with a usable spare tyre to
make the Insured Vehicle mobile again provided the event has occurred within 100 kilometers from the center
point of the city of Your residence and the Insured Vehicle has not reached a workshop/repairer . (D) Minor Re-
pairs: In the event of the Insured Vehicle being immobilized due to mechanical and/or electrical breakdown, We
will arrange for minor mechanical and/or electrical repairs to make the Insured Vehicle mobile again provided
the event has occurred within 100 kilometers from the center point of the city of Your residence and the Insured
Vehicle has not reached a workshop/repairer. (E) Towing Facility: In the event of the Insured Vehicle getting im-
mobilized as a result of Accident and/or breakdown, We shall arrange for towing away of the Insured Vehicle
from the spot of immobilization to Our nearest preferred workshop provided the event has occurred within 100
kilometers from the center point of the city of Your residence. (F) Urgent Message Relays: In the event of the In-
sured Vehicle getting immobilized as a result of Accident and/or breakdown, We will send urgent message on
Your request to the specified persons through available means of communication (G) Medical Co-ordination: In
the event of the Insured Vehicle meeting with an Accident, You can call Us on our Toll Free Number, mentioned
on the Schedule , to obtain details regarding the nearest medical center that can provide emergency relief services.
(H) Fuel Assistance: In the event of the Insured Vehicle being immobilized due to an empty fuel tank and/or con-
taminated fuel, We will either arrange for supply of 3 litres of petrol or diesel on chargeable basis and/or towing
of the Insured Vehicle to Our nearest preferred workshop provided the event has occurred within 100 kilometers
from the center point of the city of Your residence and the Insured Vehicle has not reached a workshop/repairer.
(I) Taxi Benefits: In the event of the Insured Vehicle meeting with an Accident/breakdown, We will arrange for a
free travel of the occupants of the Insured Vehicle to a single destination within a vicinity of 50 kilometers from
the spot of immobilization through a taxi or any other transportation service provided the event has occurred with-
in 100 kilometers from the center point of the city of Your residence and the Insured Vehicle has to be towed
away to Our nearest preferred workshop. Any travel beyond 50 kilometers can be covered on payment of addi-
tional amount as specified by Us. In the unlikely event of We being unable to arrange for this service, We may re-
quest You to arrange for a taxi to transfer the occupants of the Insured Vehicle on Your own and submit the bills
for a pre-communicated amount for re-imbursement to Us. (J) Accommodation Benefits: In the event of the In-
sured Vehicle meeting with an Accident/breakdown, We will provide occupants of the Insured Vehicle with a
hotel accommodation for one day provided the event has occurred beyond 100 kilometers from the center point of
the city of Your residence but within 100 kilometers of another covered city and the time to repair the Insured
Vehicle will exceed 12 hours from the time of reporting the incident.
The accommodation benefits would be offered subject to a per day limit of Rs. 2,000 per occupant and a maxim-
um total limit of Rs. 16,000 for all the occupants of the Insured Vehicle through out the Policy Period. In the un-
likely event of We being unable to arrange for this service, We may request You to arrange for a hotel accom-
modation for the occupants of the Insured Vehicle on Your own and submit the bills for a pre-communicated
amount for re-imbursement to Us. (K)Legal Advice: In the event of the Insured Vehicle meeting with an Acci-
dent, You shall be entitled for a free legal advice from a legal advisor over the phone for a maximum duration of
30 minutes. Subsequent to the expiry of the specified period of 30 minutes, You may continue with the same legal
advisor on direct payment basis
B. Conditions
(1) . In case of transfer of ownership of the Insured Vehicle , the cover under '24x7 Spot Assistance' shall expire.
(2) The benefits under '24x7 Spot Assistance' can be utilized for a maximum of 4 times during the Policy Period
except for 'Fuel Assistance', 'Taxi Benefits', 'Accommodation Benefits' and 'Legal Advice' for which the aggregate
utilization limit is 2 times during the Policy Period
C. Exclusions
(1) Where the Insured Vehicle can be safely transferred on its own power to nearest dealer/workshop. (2) Any
Accident, loss, damage and/or liability caused, sustained or incurred whilst the Insured Vehicle is being used oth-
erwise than in accordance with the limitations as to use. (3) Any liability of whatsoever nature directly or indir-
ectly 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. (4) Any Accident, loss, damage and/or li-
ability 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 indir-
ect consequences of any of the said occurrences. (5) Any loss or damage caused due to riots, strikes and Act of
 Driver (Count 1 :Refer Transcript for applicable Named Drivers)): POLICY WORDINGS

God perils like flood, earthquake etc. (6) Claims pertaining to theft losses. (7) Any consequential loss arising out
of claims lodged under '24x7 Spot Assistance' .(8) Where a loss is covered under Motor Insurance Policy or any
other type of insurance policy with any other insurer or manufacturer's warranty or recall campaign or under any
other such packages at the same time.(9) Replacement cost of battery and/or any associated repair cost. (10) Cost
of supply of parts or replacements elements or consumables. (11)Repair cost of tyre and/or parts or replacement
cost of any part of consumable at a third party workshop/repairer. (12)Any taxes, levy and expenses incurred in
excess of the limit described under the plan opted by You . (13)Loss of valuables and personal belongings kept in
the Insured Vehicle . (14) Any loss or damage to the Insured Vehicle arising out of participation in a motor ra-
cing competition or trial runs. (15)Where it is proved that You have abused the benefits under '24x7 Spot Assist-
ance'. (16)Any loss or damage caused due to pre- existing damages. (17)Any loss or damage arising out of inter-
vention of Government Authorized Agencies, Police Authorities or Law Enforcing Agencies . (18)Any loss or
damage resulting from the use of Insured Vehicle against the recommendations of the owners manual and/or
manufacturer's manual. (19)Any loss resulting from Your deliberate or intentional and/or unlawful or criminal act
(20)Benefits under 'Taxi Benefits' and 'Accommodation Benefits' for occupants in excess of the seating capacity
as per the registration certificate of the Insured Vehicle . (21)Additional cost incurred in towing the Insured
Vehicle to a dealer/workshop as specified by You instead to Our specified nearest authorized workshop. (22)Ser-
vices organized without Our prior consent for the various assistance services. (23)If You or Your personal repres-
entative is already at a garage for delivery of the Insured Vehicle or at the place of recovery in case of theft
(24)Mechanical and/or electrical breakdowns that require replacement of spare parts and/or specialized tools/
equipments that are usually available only in automotive workshops
If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of proving that
they do not apply.
D. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate.
(1) You,Your,Yourself: The person or persons We insure as set out in the Schedule . (2) We, Our, Us: Bajaj Al-
lianz General Insurance Company Limited and/or the Service Provider with whom Bajaj Allianz General Insur-
ance Company Limited has entered into a contract to provide the benefits under this cover to You . (3) Accident,
Accidental: A sudden, unintended and fortuitous external and visible event. (4) Policy/Motor Insurance Policy:
Private Car Package Policy issued by Us to which this cover is extended. (5) Insured Vehicle : The vehicle in-
sured by Us under the Motor Insurance Policy. (6) Policy Period: The period between and including the com-
mencement date and expiry date as shown in the Motor Insurance Policy Schedule . (7) Schedule : The Sched-
ule and any Annexure or Endorsement to it which sets out Your personal details and the type of insurance cover
in force

S3 - DEPRECIATION SHIELD
(UIN No. IRDAN113RP0001V01201920/A0003V01201920)
A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that this Policy extends to cover the
depreciation amount, partly or fully, on assessed damaged parts allowed for replacement during repairs in the event of a
Partial Loss to the Insured Vehicle .
In the event You have opted for co-payment, Your contribution shall be to the extent agreed by You as shown in the
Schedule for the depreciation amount on the assessed parts for each and every Partial Loss claim.
The benefits under 'Depreciation Shield' would be available only if the Insured Vehicle is repaired at Our authorized
workshops. In case You have opted to repair the Insured Vehicle at a non-authorized workshop, Our liability will be
restricted to 90% of the assessed total claim amount under this cover.
B. Conditions
(A) Claims made by You against Us under 'Depreciation Shield' are subject to the terms and conditions set forth
under the Motor Insurance Policy. (B) In case of transfer of ownership of the Insured Vehicle , the cover under
'Depreciation Shield' shall expire. (C) The benefits under 'Depreciation Shield' can be utilized for a maximum of
two times during the Policy Period
C. Exclusions
In addition to the exclusions mentioned under Motor Insurance Policy, We will not be liable to indemnify You for the
following events:
(1) Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is not payable (2)
Depreciation pertaining to any part/ sub part/ accessories not approved for replacement by Us under Motor Insur-
ance Policy. (3) Loss or damage to tyres and/or battery of the Insured Vehicle . (4) Consequential loss of any
kind arising out of claims lodged under 'Depreciation Shield'. (5) Where a loss is covered under Motor Insurance
Policy or any other type of insurance policy with any other insurer or manufacturer's warranty or recall campaign
or under any other such packages at the same time
If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of proving that
they do not apply.
D. Definitions
 PRIVATE CAR STANDALONE OD POLICY: ADD ON COVERS(Plan Name:Personal Baggage Cover And Drive As-
sure Welcome And Vehicle Replacement Advantage And Key And Lock Replacement CoverPlan Description: , Named
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate.
(1) You,Your,Yourself: The person or persons We insure as set out in the Schedule .(2) We, Our, Us: Bajaj Alli-
anz General Insurance Company Limited. (3) Accident, Accidental: A sudden, unintended and fortuitous external
and visible event.(4) Policy/Motor Insurance Policy: Private Car Package Policy issued by Us to which this cov-
er is extended (5) Insured Vehicle : The vehicle insured by Us under the Motor Insurance Policy and as shown
on the Schedule .(6) Policy Period: The period between and including the commencement date and expiry date as
shown in the Motor Insurance Policy Schedule . (7) Schedule : The Schedule and any Annexure or Endorse-
ment to it which sets out Your personal details and the insurance cover in force. (8) Own Damage Claim: The
claims raised by You against Us for loss or damage to the Insured Vehicle due to the perils mentioned under Sec-
tion 1 of Motor Insurance Policy. (9) Total Loss/ Constructive Total Loss: A loss under the Motor Insurance
Policy where the aggregate cost of retrieval and/ or repair of the Insured Vehicle , subject to terms and conditions
of the Policy, exceeds 75% of the IDV of the Insured Vehicle . (10)Partial Loss: Any loss falling into a category
other than (A) the loss mentioned under Sr. No. 9 above and (B) theft of the Insured Vehicle
NAMED DRIVER COVER
(UIN No. IRDAN113RP0001V01201920/A0042V01202425)
A) INSURING CLAUSE
Notwithstanding anything to the contrary contained in the Base Policy,it is hereby agreed and declared that We shall be
liable to indemnify You for:
1) Any loss/damage to the Insured Vehicle under Section I: Own Damage of the Base Policy during the Policy Period,
whilst the Insured Vehicle is being driven by:
a) Named Paid Driver employed by You for a period exceeding thirty consecutive days
b) Named Driver
2) Any accidental loss or damage to any Private Car (other than the Insured Vehicle), whilst being driven by Named
Owner Driver and which is not covered for own damage loss (Section 1) under any motor insurance policy.
Our maximum liability to indemnify the Named Owner Driver shall not exceed the Sum Insured for this cover spe-
cified in the Policy Schedule.
B) EXCLUSIONS
In addition to the exclusions mentioned under Base Policy, We will not be liable to indemnify You for the following
events under this cover
1) The Company shall not be liable in respect of any exclusion applicable to the Base Policy.
2) Loss or damage to the Insured Vehicle whilst being driven by Named Paid Driver not employed by You for a
period exceeding one months immediately prior to the date of accident/ loss.
3) Any Third Party Liability claims of the Insured Vehicle or any Private Car.
4) Any claim for accidental damage whilst the vehicle is
a) not being driven and does not have any driver/occupant/passengers or
b) driven by a person other than Named Paid Driver or Named Driver.
5) We will not pay for any loss or damage caused by, or arising from, criminal and illegal acts of Named Driver or
Named Paid Driver or anyone acting their behalf.
6) Cancellation under this cover shall not be permitted wherever any claim is intimated towards any insured vehicle
7) In case of transfer of Ownership of the Insured Vehicle, the new Owner Driver shall be considered as Named Own-
er Driver for the purpose of this cover.
8) Additional Special Exclusion applicable to Insuring Clause 'A2'.
a) Any accidental loss or damage to any Private Car (other than the Insured Vehicle) under 'A2' above, whilst
being driven by any Named Driver other than Named Owner Driver.
b) We shall be liable under 'A2' above only if the Private Car (other than the Insured Vehicle ) has a valid Third
Party Liability cover on the date of loss.
c) A Co-Pay of 30% shall apply to each claim admissible under clause 'A2' above.
d) Any accidental loss or damage suffered whilst the Named Owner Driver is under the influence of intoxicating
liquor or drugs or the vehicle is not used in ordinance with Motor Vehicle Act.
e) Any loss or damage to accessories not provided by original equipment as a standard fitment along with the
Private Car.
f) Any loss not reported within 15 days from the date of loss or risk expiry of the Policy whichever is earlier as
specified in the Policy Schedule
g) We shall not be liable for more than 2 claims during the Policy Year as specified in the Policy Schedule

C) CONDITIONS
 Driver (Count 1 :Refer Transcript for applicable Named Drivers)): POLICY WORDINGS

1) Any claim (of the Insured Vehicle) pertaining to any other Add-On covers under the Base Policy shall also be ad-
missible only whilst the Insured Vehicle is being driven by Named Paid Driver and/or Named Person.
2) Addition and deletion of Named Driver and Named Paid Driver shall be permitted mid-term.
3) F.I.R shall be mandatory for a claim under Insuring Clause 'A2'.
4) We shall be liable for clause 'A2' only where Named Owner Driver is also a Named Driver and holds a valid and
effective driving license at the time of loss.
5) For any claim under 'A2' above:
a) Inspection by Our appointed surveyor shall be mandatory prior to commencement of repairs.
b) You shall provide Us with all evidence including but not limited to repair bills, valid Third Party Liability
policy, F.I.R report, etc.
D) DEFINITIONS
1) Co-Pay shall mean a fixed percentage of the admissible claim amount that shall be borne by You.
2) Insured Vehicle shall mean the Private car covered under the base Policy.
3) Policy/Base Policy/Motor Insurance Policy shall mean Private Car Policy issued by Us to which this cover is ex-
tended.
4) Named Owner Driver shall mean the Named Driver who owns the Insured Vehicle.
5) Named Driver shall mean anyone who is named on Your Policy Schedule and certificate of motor insurance as be-
ing entitled to legally drive Your vehicle and has Your permission to drive it.
6) Named Paid Driver shall mean a driver named in thePolicy Schedule , holding valid driving license for the said
class of vehicle and employed by You on salary/wages.
7) Policy/Base Policy/Motor Insurance Policy shall mean Private Car Policy issued by Us to which this cover is ex-
tended.
8) Policy Period shall mean Private Car Policy issued by Policy Schedule
9) Policy Year shall mean period of 12 months (falling within the Policy Period)commencing from the Risk Inception
Date and subsequent 12 months each till Risk Expiry Date, as specified in the Schedule.
10) Schedule shall mean any Annexure or Endorsement to it which sets out Your personal details and the type of in-
surance cover in force.
11) Sum Insured shall meanOur maximum liability for any claim or all claims in the aggregate.
12) Us, Our, Company, We shall mean Bajaj Allianz General Insurance Company Limited.
13) You, Your, Yourself, Insured shall mean the person or persons We insure as set out in the Schedule.
Subject otherwise to all other terms conditions and exclusions of the within mentioned Policy.

S5 - VEHICLE REPLACEMENT ADVANTAGE

A. Endorsement Wordings
(UIN No. IRDAN113RP0001V01201920/A0008V01201920)
In consideration of payment of additional premium, it is hereby agreed and declared that in the event of the Insured
Vehicle meeting with aTotal Loss(including theft)/Constructive Total Loss We, at Ourdiscretion, may use one of the
following two options to settle a claim under Vehicle Replacement Advantage:
a) New Vehicle: We will replace the Insured Vehicle with a new equivalent or near equivalent vehicle of similar make,
model, features, specifications and color subject to the availability in the open market, inclusive of the following
(1)Private Car Package Policy covering the new vehicle (2)The cost of registration, including road tax and Octroi pay-
able, for the new vehicle applicable to the location where the Insured Vehicle is registered Any disbursement under
this option will be regarded as full and final settlement of Ourliability under Motor Insurance Policy. Upon settle-
ment of the claim under this cover, Motor Insurance Policy shall expire.
b) Cash Settlement: In the event of new equivalent or near equivalent vehicle not being available in the market due to
non-production, short supply or due to Ourinability to procure such vehicle due to any reason what-so-ever, You will
be paid a cash benefit equal to 5% of IDV in addition to the actual difference between the original ex- showroom price
of the damaged Insured Vehicle and the IDV.
Upon settlement of the claim under this cover, Motor Insurance Policy shall expire.
B. Conditions
(1)Claims made by You against Us under 'Vehicle Replacement Advantage' are subject to the conditions set forth under
the Motor Insurance Policy (2) In case of transfer of ownership of the Insured Vehicle, the cover under 'Vehicle Re-
placement Advantage' shall expire (3) In order to declare the Insured Vehicle a Total Loss/ Constructive Loss, the estim-
ates for the aggregate cost of retrieval and/or repair have to be approved by Ourauthorized workshops
C. Exclusions
In addition to the exclusions mentioned under Motor Insurance Policy, We will not be liable to indemnify You for the
following events: (1)Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is not
payable (2)Where a loss is covered under Motor Insurance Policy or any other type of insurance policy with any other
insurer or manufacturer's warranty or recall campaign or under any other such packages at the same time (3)Any con-
sequential loss arising out of claims lodged under 'Vehicle Replacement Advantage' (4) Any claims pertaining to ac-
 PRIVATE CAR STANDALONE OD POLICY: ADD ON COVERS(Plan Name:Personal Baggage Cover And Drive As-
sure Welcome And Vehicle Replacement Advantage And Key And Lock Replacement CoverPlan Description: , Named
cessories, unless the same are additionally insured and endorsed into the Motor Insurance Policy If You do not agree
whether any of these exclusions apply to Your claim, You agree to accept the burden of proving that they do not apply.
D. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate. 1.(1)You, Your, Yourself: The person or persons We insure as set out in the
Schedule (2) We, Our, Us: Bajaj Allianz General Insurance Company Limited (3) Accident, Accidental: A sudden, un-
intended and fortuitous external and visible event (4) Policy Period: The period between and including the commence-
ment date and expiry date as shown in the Motor Insurance Policy Schedule (5) Insured Vehicle: The vehicle insured
by Us under the Motor Insurance Policy (6) IDV: Insured's Declared Value (Sum Insured) of the Insured Vehicle un-
der the Motor Insurance Policy (7) Total Loss/ Constructive Total Loss: A loss under the Motor Insurance Policy
where the aggregate cost of retrieval and/or repair of the Insured Vehicle, subject to terms and conditions of the Policy,
exceeds 75% of the IDV of the Insured Vehicle (8) Policy Period: The period between and including the start and end
dates as shown in the Motor Insurance Policy Schedule (9) Schedule: The Schedule and any Annexure or Endorsement
to it which sets out Your personal details and the type of insurance cover in force (10) Own Damage Claim:The claims
raised by You against Us for loss or damage to the Insured Vehicle due to the perils mentioned under Section 1 of Mo-
tor Insurance Policy

S13: KEYS AND LOCKS REPLACEMENT COVER

(UIN No. IRDAN113RP0001V01201920/A0014V01201920)

A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that in the event of irrecoverable
loss of keys of the Insured Vehicle,We will indemnify You for the cost of replacement of keys of the Insured
Vehicle, subject to the Sum Insured specified in the Schedule.In the event of a security risk arising out of the incid-
ence of lost keys of the Insured Vehicle, We will indemnify You for the cost of installing new locks in the Insured
Vehicle.
B. Conditions
(1) In case of transfer of ownership of the Insured Vehicle , the cover under 'Keys and Locks Replacement Cover'
shall expire (2)The benefits under 'Keys and Locks Replacement Cover' can be utilized only once during the Policy
Period (3) Youshall immediately lodge a complaint with the police detailing the loss of key of the Insured Vehicle
and provide Usa copy of the F.I.R. (4) You shall immediately, and in any event within 2 days of occurrence of loss,
report the incidence of loss to Us (5) No keys shall be deemed to be irrecoverably lost until a period of three (3)
days, from the date of loss as mentioned in the F.I.R., has elapsed
C. Exclusions
In addition to the exclusions mentioned under under Motor Insurance Policy, We will not be liable to indemnify You
for the following events:
(1)The first 10% of the claim amount or Rs. 500, whichever is higher (2) Where the replacement of keys is not
carried out in manufacturer's authorized dealership or Our authorized workshops (3)Any pre-existing damages
(4) Where the replaced keys or locks are of higher standards or specifications as compared to the original keys or
locks of the Insured Vehicle (5) Consequential losses of any kind, be they by way of loss of profit, loss of op-
portunity, loss of gain, business interruption, market loss or otherwise, or any claims arising out of loss of a pure
financial nature such as loss of goodwill or any legal liability of any kind whatsoever .
If You do not agree whether any of these exclusions apply toYour claim,You agree to accept the burden of proving
that they do not apply.
D. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate. (1)Insured Vehicle:The vehicle insured by Us under the Motor Insurance
Policy (2) Policy/Motor Insurance Policy: Private Car Package Policy issued by Us to which this cover is extended (3)
Policy Period:The period between and including the commencement date and expiry date as shown in the Motor Insur-
ance Policy Schedule (4) Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your person-
al details, the type of insurance cover in force and the Sum Insured (5) Sum Insured:The amount stated in the Sched-
ule, which is the maximum amount We will pay for claims made by You , irrespective of the number of claims You
make during the Policy Period (6) We, Our, Us: Bajaj Allianz General Insurance Company Limited (7) You, Your,
Yourself: The person We insure as set out in the Schedule
Any other definitions not defined in this add on cover but defined in the Policy shall bear the same meaning as in
the Policy.
E. CANCELLATION
Cancellation conditions of the add-on cover will be identical to the base Policy to which the add-on cover is attached
Subject otherwise to all other Terms and Conditions and exclusions of Base Policy
A list of Company's authorized garages/ workshop and their address is available on the Company's website
www.bajajallianz.co.in.
 Driver (Count 1 :Refer Transcript for applicable Named Drivers)): POLICY WORDINGS

S14: PERSONAL BAGGAGE COVER

(UIN No. IRDAN113RP0001V01201920/A0010V01201920)

A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that Wewill indemnify You in
respect of the loss or damage to Your personal baggage whilst kept in the Insured Vehicle and caused by the in-
sured perils mentioned under Section 1 of this Policy, subject to the Basis of Loss Settlement Criteria as specified
herein below.
B. Conditions
(1) In case of transfer of ownership of the Insured Vehicle, , the cover under 'Personal Baggage Cover' shall expire
.(2)Basis of Loss Settlement Criteria: (i) Where an insured item can reasonably be repaired or reinstated at a cost
less than the replacement cost, then We will indemnify You up to the Sum Insured in respect of the expenses ne-
cessarily incurred to restore such item to its state immediately prior to the happening of the insured event (ii) In the
case of a total loss, We will indemnify You in respect of the restoration or replacement costs up to the Sum Insured
(3)In the event of a loss or damage due to burglary, housebreaking and/or theft, You shall immediately lodge a com-
plaint with the police detailing the lost insured items and provide Us with a copy of the F.I.R. (4)You shall immedi-
ately, and in any event within 2 days of occurrence of loss, report the incidence of loss to Us
C. Exclusions
In addition to the exclusions mentioned under under Motor Insurance Policy, We will not be liable to indemnify You
for the following events:
(1)Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is not payable
(2) The first 10% of the claim amount or Rs. 500, whichever is higher, in respect of each and every claim (3) Any
loss or damage due to cracking, scratching or breakage of articles of a brittle or fragile nature, unless such loss or
damage arises from an accident to Insured Vehicle in which such personal baggage is conveyed by You (4) Any
loss or damage caused by or any process of cleaning, dyeing repairing or restoring to which Your personal bag-
gage is subjected (5) Any loss or damage caused by moth, mildew or vermin (6) Any loss or damage caused by
mechanical derangement or over winding of watches and clocks (7) Theft of Your personal baggage from the In-
sured Vehicle unless all the doors, windows and other openings are securely locked and properly fastened, and/or
any other security aid is properly applied (8) Any loss of or damage to Valuables (9) Any loss or destruction of or
damage to personal baggage of a consumable nature (10) Any loss or damage caused by or arising from the leak-
age spilling or exploding of liquid, oils or material of a like nature or articles of a dangerous or damaging nature
(11)Any loss or damage to goods or samples carried in connection with any trade or business
If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of prov-
ing that they do not apply.
D. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate. (1) Insured Vehicle:The vehicle insured by Us under the Motor Insurance
Policy(2) Own Damage Claim: The claims raised by You against Us for loss or damage to the Insured Vehicle due to
the perils mentioned under Section 1 of Motor Insurance Policy (3) Policy/Motor Insurance Policy: Private Car Package
Policy issued by Us to which this cover is extended (4)Policy Period: The period between and including the commence-
ment date and expiry date as shown in the Motor Insurance Policy Schedule (5) Schedule: The Schedule and any An-
nexure or Endorsement to it which sets out Your personal details, the type of insurance cover in force and the Sum In-
sured (6)Sum Insured:: The amount stated in the Schedule, which is the maximum amount We will pay for claims
made by You, irrespective of the number of claims You make during the Policy Period (7)Valuables: Mean: (a) gold or
silver or any precious metals or articles made from any precious metals (b) watches or jewellery or precious stones or
models or coins or curios, sculptures, manuscripts, stamps, collections of stamps, rare books, medals, moulds, designs or
any other collectibles (c) deeds, ATM cards, credit cards, charge cards, bonds, bills of exchange, bank, treasury or
promissory notes, cheques, money, securities, or any other negotiable instrument (8)We, Our, Us: Bajaj Allianz General
Insurance Company Limited (9) You, Your, Yourself: The person We insure as set out in the Policy Period