34020131240160060177UIIC
34020131240160060177UIIC
34020131240160060177UIIC
1ST FLOOR, UDYOG NAGAR METRO STATION, NEAR PEERAGARI, NEW DELHI
WEST DELHI - 110041 DELHI
PH: (9111) 25251995, FAX: (9111) 25251996, EMAIL:
PRIVATE CAR PACKAGE POLICY
UIN:IRDAN545RP0047V01199900
POLICY NO.:34020131240160060177
VEHICLE NO.: DL-5-CT-7834
PERIOD OF INSURANCE
From 00:00 Hrs of 04/05/2024
To Midnight of 03/05/2025
Insured
MR. MOHD IMRAN
HOUSE 161 55 1ST FLOOR
JOGA BAI EXTN JAMIA A NAGAR NEW DELHI DELHI
CONTACT NUMBER:9891786636 (M)
IMPORTANT NOTICE: KINDLY UPDATE YOUR AADHAAR NO. AND PAN/FORM 60. PLEASE IGNORE IF ALREADY UPDATED.
Broker Name : BRC0000905
Broker Code : GIRNAR INSURANCE BROKERS PVT LTD
Mobile/Landline Number/Email : 7551196989
support@insurancedekho.com
The genuineness of the policy can be verified through "Verify Your Policy" link at www.uiic.co.in.
For any Information, Service Requests, Claim intimation and Grievances please write to servicehub.delhi1@uiic.co.in
Regd Office: 24 Whites Road, Chennai-600014, Head Office: No.19,Lane IV,Nungambakkam High Road, Chennai-600034. Website:
http://www.uiic.co.in
Printed By : InsuranceDekho BRC0000905 @ 02/05/2024 00:00:00 AM
PRIVATE CAR PACKAGE POLICY
UIN:IRDAN545RP0047V01199900
SCHEDULE
Policy No 34020131240160060177 Previous Policy No. 201120010222800002200000
Insurance Details Customer Id 09XJRJSMB
Name MR. MOHD IMRAN
Tel(O): Tel(R): Fax:
Email: azulkhan56@gmail.com Mobile: 9891786636
Business / Occupation Others
Period of Insurance From 00:00 Hrs of 04/05/2024 To Midnight of 03/05/2025
Co-Insurance Type
OWN DAMAGE
(From 04/05/2024 To 03/05/2025)
Add:
Less:
WARRANTED THAT IN CASE OF DISHONOUR OF PREMIUM CHEQUE, THIS DOCUMENT STANDS AUTOMATICALLY CANCELLED "ABINITIO".
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 VEHICLES ACT, 1988 IS RECOVERABLE FROM THE INSURED. SEE THE CLAUSE HEADED "AVOIDANCE OF CERTAIN
TERMS AND RIGHT OF RECOVERY". FOR LEGAL INTERPRETATION, ENGLISH VERSION WILL HOLD GOOD.
Customer GST/UIN No.: Office GST No.: 07AAACU5552C1ZL
SAC Code: 9971 Invoice No. & Date: 412305568314 & 02/05/2024
Amount Subject to Reverse Charges-NIL
Anti Money Laundering Clause :-In the event of a claim under the policy exceeding 1 lakh or a claim for refund of premium exceeding 1 lakh, the
insured will comply with the provisions of AML policy of the company. The AML policy is available in all our operating offices as well as Company's
web site.
LET US JOIN THE FIGHT AGAINST CORRUPTION. PLEASE TAKE THE PLEDGE AT https://pledge.cvc.nic.in.
Date of Proposal and Declaration: 02/05/2024
IN WITNESS WHEREOF, this policy has been signed at BO 2 NEW DELHI 040201 on this 2nd day of May 2024.
For and On behalf of
United India Insurance Co. Ltd.
Affix Policy
Stamp here.
1. The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon i. by fire
explosion self ignition or lightning; ii. by burglary housebreaking or theft;
iii. by riot and strike;
iv. by earthquake (fire and shock damage);
v. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;vi. by accidental external means;
vii. by malicious act; viii.
by terrorist activity;
ix. whilst in transit by road rail inland- waterway lift elevator or air; x. 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 all other parts including wooden parts will be as per the following schedule :
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 10%
Exceeding 3 years but not exceeding 4 years. 25%
Exceeding 4 years but not exceeding 5 years 35%
Exceeding 5 year but not exceeding 10 years 40%
Exceeding 10 years 50%
(5) Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of totalpainting
charges. In case of consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the
purpose of applying the depreciation.
3. In the event of the vehicle being disabled by reason of loss or damage covered under this Policy the Company will bear the reasonable costof
protection and removal to the nearest repairer and redelivery to the insured but not exceeding in all Rs. 1500/- in respect of any one accident.-
4. The insured may authorise the repair of the vehicle necessitated by damage for which the Company may be liable under this Policyprovided
that :
a) the estimated cost of such repair including replacements, if any, does not exceed Rs.500/-;
b) the Company is furnished forthwith with 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 Insureds Declared Value (IDV)of the vehicle will be deemed to be the SUM INSURED for the purpose of this policy which is fixed at the
commencement of each policy period for the insured vehicle.
The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturers listed selling price of the brand and
model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below).
The schedule of age-wise depreciation as shown below is applicable for the purpose of Total Loss/Constructive Total Loss (TL/CTL) claims only.
IDV shall be treated as the Market Value throughout the policy period 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. SECTION - II: LIABILITY TO THIRD PARTIES
1. Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident cause by or
arising out of the use of the insured vehicle against all sums which the insured shall become legally liable to pay inrespect of :-
i. death of or bodily injury to any person including occupants carried in the vehicle ( provided such occupants are not carried for hire or
reward) but except so far as it is necessary to meet the requirements of Motor Vehicles Act, the Company shall not be liable where such death
or injury arises out of and in the course of the employment of such person by the insured,
ii. damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.
2. The Company will pay all costs and expenses incurred with its written consent.
3. In terms of and subject to the limitations of the indemnity granted by this section to the insured, the Company will indemnify any driver who is driving
the vehicle on the insured''s order or with insured''s permission provided that such driver shall as though he/she was the insured observe fulfill and
be subject to the terms exceptions and conditions of this Policy in so far as they apply.
4. In the event of the death of any person entitled to indemnity under this policy the Company will in respect of the liability incurred by such person
indemnify his/her personal representative in terms of and subject to the limitations of this Policy provided that such personal representative shall as
though such representative was the insured observe fulfill and be subject to the terms exceptions and conditions of this Policy in so far as they apply.
5. The Company may at its own option (a) arrange for representation at any Inquest or Fatal Inquiry in respect of any death which may be the subject of
indemnity under this Policy and (b)undertake the defence of proceedings in any Court of Law in respect of any act or alleged offence causing or relating
to any event which may be the subject of indemnity under this Policy.
Nothing in this Policy or any endorsement hereon shall affect the right of any person indemnified by this Policy or any other person to recover an
amount under or by virtue of the provisions of the Motor Vehicles Act.
But the insured shall repay to the Company all sums paid by the Company which the Company would not have been liable to pay b ut for the said
provisions.
APPLICATION OF LIMITS OF INDEMNITY
In the event of any accident involving indemnity to more than one person any limitation by the terms of this Policy and/or of any Endorsement thereon
of the amount of any indemnity shall apply to the aggregate amount of indemnity to all persons indemnified and such indemnity shall apply in priority
to the insured.
SECTION - III: PERSONAL ACCIDENT COVER FOR OWNER-DRIVER
Name Of the Nominee Age Name of the Appointee(If Nominee is Minor) Relationship
Mohd Nooh 70 Father
The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle,in direct
connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst traveling in it as a co-driver,
caused by violent accidental external and visible means which independent of any other cause shall within sixcalendar months of such injury result in:
Nature of injury Scale of compensation
(i) Death 100%
(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%
(iii) Loss of one limb or sight of one eye 50%
(iv) Permanent total disablement from injuries other than named above 100%
Provided always that
A) compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrenceand
the total liability of the insurer shall not in the aggregate exceed the sum as per schedule during any one period of insurance.
B) no compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from ortraceable
to (a) intentional self injury suicide or attempted suicide physical defect or infirmity or (b) an accident happening whilst such person is under the
influence of intoxicating liquor or drugs.
C) Such compensation shall be payable directly to the insured or to his/her legal representatives whose receipt shall be the full discharge inrespect
of the injury to the insured.
This cover is subject to
(a) the owner-driver is the registered owner of the vehicle insured herein.
(b) the owner-driver is the insured named in this policy.
(c) the owner-driver holds an effective driving licence, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules,1989, at the
time of the accident.
GENERAL EXCEPTIONS
The Company shall not be liable under this Policy in respect of :
1. any accidental loss damage and/or liability caused sustained or incurred outside the geographical area.
2. any claim arising out of any contractual liability.
3. any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is(a) being used otherwise than in
accordance with the 'Limitations as to Use' and
(b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver''s clause.
4. (i) Any accident loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential
loss
(ii) any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by
radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this exception combustion
shall include any self-sustaining process of nuclear fission.
5. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material 6. Any
accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising
out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war),
civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequences of any of the said occurrences and in the event of any
claim hereunder the Insured shall prove that the accidental loss damage and/or liability arose independently of and was in no way connected with or
occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in default of such proof the
Company shall not be liable to make any payment in respect of such a claim.
DEDUCTIBLE
The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured) of this Policy in respect of the
deductible stated in the schedule.
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 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 writ summons and/or process or
copy thereof shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company
immediately the insured shall have knowledge of any impending prosecution inquest or fatal injury in respect of any occurrence which may give rise
to a claim under this policy. In case of theft or 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. No admission offer promise payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Company
which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or sett lement of any claim or to prosecute in
the name of the Insured for its own benefit any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any
proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require.
3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the
loss or damage and the liability of the Company shall not exceed:
(a) for total loss / constructive total loss of the vehicle - the Insured''s Declared Value (IDV) of the vehicle (including accessories thereon) as specified
in the Schedule less the value of the wreck.
(b)for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - actual and reasonable costs of repair and/or replacement
of parts lost/damaged subject to depreciation as per limits specified.
4. The Insured shall take all reasonable steps to safeguard the vehicle from loss or damage and to maintain it in efficient condition and the Company
shall have at all times free and full access to examine the vehicle or any part thereof or any driver or employee of the insured. In the event of any
accident or breakdown, the vehicle shall not be left unattended without proper precautions being taken to prevent further damage or loss and if the
vehicle be driven before the necessary repairs are effected any extension of the damage or any further damage to the vehicle shall be entirely at the
insured''s own risk.
5. The Company may at any time cancel the policy on grounds of misrepresentation, fraud. non-disclosure of material fact or oncooperation by the
insured by sending seven days notice by recorded delivery to the insured at insured's last known address and in such event will return to the insured
the premium paid less the pro rata portion thereof for the period the Policy has been in force or the policy may be cancelled at any time by the insured
on seven days' notice by recorded delivery and provided no claim has arisen during the currency of the policy, the insured shall be entitled to a return
of premium less premium at the Company's Short Period rates for the period the Policy has been in force. Return of the premium by the company will
be subject to retention of the minimum premium of Rs.100/- (or Rs.25/- in respect of vehicles specifically designed/modified for use by
blind/handicapped/mentally challenged persons).Where the ownership of the vehicle is transferred, the policy cannot be cancelled unless evidence
that the vehicle is insured elsewhere at least for Liability Only cover is produced and original Certificate of Insurance is produced for cancellation.
6. If at the time of occurrence of an event that gives rise to any claim 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 ratable proportion of any compensation, cost or expense.
7. 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 a third arbitrator to be appointed by such two
arbitrators who shall act as the presiding arbitrator and Arbitration shall be conducted under and inaccordance with the provisions of the Arbitration
and Conciliation Act, 1996. It is clearly agreed and understood that no difference or dispute shall be referable to Arbitration as hereinbefore 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
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 ofa 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.
8. The due observance and fulfillment of the terms, conditions and endorsements of this Policy in so far as they relate to anything to be done or complied
with by the insured and the truth of the statements and answers in the said proposal shall be conditions precedent to any liability of the Company to
make any payment under this Policy.
9. 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 heir(s) of the insured to whom the custody
and use of the Motor Vehicle passes may apply to have this Policy transferred to the name(s) of the heir(s) or obtain a new insurance policy for the
Motor Vehicle.
Where such legal heir(s) desire(s) to apply for transfer of this policy or obtain a new policy for the vehicle such heir(s) 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
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 thepreceding year(s),
as per the following table:
Period of insurance % of NCB on OD premium
The preceding year 20%
Preceding Two consecutive years 25%
Preceding Three consecutive years 35%
Preceding Four consecutive years 45%
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.
NB 1:- In Liability with Fire and / or Theft Only policies NCB as above will be applicable only on the Fire and / or Theft component of the premium.
2 :- In Fire and / or Theft Only policies the insured is not entitled for NCB.
UIIC - 7 ENDORSEMENTS FOR NIL DEPRECIATION ADD ON COVER WITHOUT ADD ON EXCES
In consideration of payment of additional premium notwithstanding anything to the contrary contained in the policy, it is hereby understood and
agreed that in the event of a Partial Loss Claim for repairs to the vehicle insured under the policy if admitted, nodepreciation as specified in Section I
of the policy shall apply.
Subject otherwise to the terms, conditions, limitations & exceptions of the policy Subject
IMT.22. Compulsory Deductible (Applicable to Private Cars, three wheelers rated as private cars, all motorized two wheelers, taxis,private car type
vehicle plying for public/private hire, private type taxi let out on private hire)
Notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the insured shall bear underSection 1 of the
policy in respect of each and every event (including event giving rise to a total loss/constructive total loss) the first 2000(or any less expenditure
which may be incurred) of any expenditure for which provision has been made under this policy and/or of anyexpenditure by the insurer in the
exercise of his discretion under Condition 3 of this policy.
If the expenditure incurred by the insurer shall include any amount for which the insured is responsible hereunder such amount shall berepaid by the
insured to the insurer forthwith.
For the purpose of this Endorsement the expression "event" shall mean an event or series of events arising out of one cause inconnection with the
vehicle insured in respect of which indemnity is provided under this policy. Subject otherwise to the terms conditions limitations and exceptions of
this Policy.
POLICY NO.:34020131240160060177
VEHICLE NO.: DL-5-CT-7834
PERIOD OF INSURANCE
From 00:00 Hrs of 04/05/2024
To Midnight of 03/05/2025
Insured
MR. MOHD IMRAN
HOUSE 161 55 1ST FLOOR
JOGA BAI EXTN JAMIA A NAGAR NEW DELHI DELHI
CONTACT NUMBER:9891786636 (M)
IMPORTANT NOTICE: KINDLY UPDATE YOUR AADHAAR NO. AND PAN/FORM 60. PLEASE IGNORE IF ALREADY UPDATED.
Broker Name : BRC0000905
Broker Code : GIRNAR INSURANCE BROKERS PVT LTD
Mobile/Landline Number/Email : 7551196989
support@insurancedekho.com
The genuineness of the policy can be verified through "Verify Your Policy" link at www.uiic.co.in.
For any Information, Service Requests, Claim intimation and Grievances please write to servicehub.delhi1@uiic.co.in
Regd Office: 24 Whites Road, Chennai-600014, Head Office: No.19,Lane IV,Nungambakkam High Road, Chennai-600034. Website:
http://www.uiic.co.in
Printed By : InsuranceDekho BRC0000905 @ 02/05/2024 00:00:00 AM
IN WITNESS WHEREOF, this policy has been signed at BO 2 NEW DELHI 040201 on this 2nd day of May 2024.
For and On behalf of
United India Insurance Co. Ltd.
Affix Policy
Stamp here.