Welcome to Edme Insurance Brokers Limited!

Dear MR. INJAMAMUL HOQUE,

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
Royal Enfield Secure Program program, you're not only covered against potential risks but also enjoy exclusive benefits, including:

· Instant online policy schedule and 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 Royal Enfield Secure Program 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!

Yours sincerely,
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.com
 ICICI Lombard General Insurance Co. Ltd.
Bundled - Two wheeler Policy CUM RECEIPT(Product Code:3005)
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989) UIN: IRDAN115RP0019V01202122
Policy No 3005/RF-18768383/00/000 Proposal No. & Date P24989417, 20 Dec 2023
Policy Issued On 20 Dec 2023 6:05PM Period of Own Damage Cover 20 Dec 2023 12:00AM to 19 Dec 2024 11:59PM(Midnight) 1 Year
Period of Liability Cover 20 Dec 2023 12:00AM to 19 Dec 2028 11:59PM(Midnight) Period of Compulsory PA 20 Dec 2023 12:00AM to 19 Dec 2024 11:59PM(Midnight) 1 Year
5 Years Cover
Insured Name MR. INJAMAMUL HOQUE Previous Policy No. NA
Insured Add. VILL - BHIMPUR, PO-TIKIAPARA, P.S.- Previous Insurer NA
BERHAMPORE, MURSHIDABAD , WEST BENGAL-
742187 GSTIN :NA
Nominee Name RAHAMATARA BIBI Age 40 Relation MOTHER
Servicing Office of Insurer Seventh Floor, Apeejay House 15 Park Street Kolkata West Bengal 700016, KOLKATA , WEST BENGAL-700016 State Code-19
PAN: NA GSTIN: 19AAACI7904G1ZK
Make Model Variant Cubic Capacity Manufacturing Year Seating capacity
Royal Enfield Motors India Ltd. HUNTER 350-HUNTER 350 REBEL BLUE 349 2023 2
Body Type Registration No. RTO Hypothecation/Lease* Fuel Type Chassis No.
BIKE New MURSHIDABAD No PETROL ME3J3D5FHP1009357
Vehicle IDV Elec. Accessories Non-Elec. Accessories CNG/LPG Kit Total IDV Engine No.
165,923 0 0 0 165,923 J3A5FHP2548159
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A)
Basic Premium Amount (Rs.) Discounts Amount (Rs.)

Vehicle 1,315 Voluntary Deductibles (0) (IMT-22A) 0

Non-Elec. Accessories 0 Anti Theft Device (IMT-10) 0
Elec. Accessories (IMT-24) 0 AA Membership (IMT-8) 0
Sub Total (Basic Premium) 1,315 No Claim Bonus (0%) 0
IMT 33 0 Sub Total (Discounts) 0
Add On 0
Geographical Area Extension (IMT-1) 0
Sub Total-Addition 1,315 Net Own Damage Premium (A) 1,315
Liability Premium (B)
Basic Third Party Liability (including TPPD) 7,365 PA Cover For Owner Driver Of Rs. 1,500,000 500
Geographical Areas Extention 0 PA For Paid Driver 0
PA Cover ( 0 Per Person) for 0 Persons 0
Sub Total (PA Cover) 500
Net Liability Premium (B) 7865
Total Premium (A+B) 9,180
SGST(9.00%) 827
CGST(9.00%) 827

Gross Premium Paid 10,834

Note: 1.Policy issuance is subject to realization of cheque
2.The Stamp duty µpaid vide deface no. CSD6920232872 dated 14/06/2023. 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-India
*Subject to IMT Endt. Nos.& Memorandum:,22
Insured Declared Value :
The schedule of age-wise insured declared value(IDV) as shown in the below table is applicable for the purpose of Total loss including Theft/Constructive Total Loss(TL/CTL) claims only on basis of loss
date falling in the respective year. A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and/or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of
the IDV.
Tenure 20 Dec 2023 to 19 Dec 2024 - - - -
Total IDV 165923 0 0 0 0
Limitations as to use: The policy covers use of the vehicle for any purpose other than (1) Hire or Reward (2) Carriage of goods (other than samples or personal luggage) (3) Organized racing (4) Pace
making (5) Speed testing (6) 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. 1.0 lakhs PA Cover Under Section III for Owner-Driver is Rs. .1,500,000.
No Claim Bonus: No Claim Bonus is subject to no claim on the previous policy. Benefits under the policy stands forfeited if claim is/was made in previous policy
Grievance Clause: For resolution of any query or grievance, you may contact us on our toll free no. 1800 2666, or visit any of our branch offices. You can also wrote to us at
customersupport@icicilombard.com. For detailed grievance redressal mechanism please visit the 'Grievance Redressal' on our website www.icicilombard.com.
Hypothecation Details: ----NA---- MISP Name - MAXWHEEL MOTORS,MISP Code - AB-MRE000278
,DP Name: ASHOK SARKAR,DP Code: AB-DPRE000286-7727
Registered Office of Insurer : ICICI Lombard House, 414,Veer Savarkar Marg,Prabhadevi,,MUMBAI , MAHARASHTRA-400025
IRDAI Registration No.: 115 CIN: L67200MH2000PLC129408
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.
SAC 997134 Description of Service : Motor Insurance Place of Supply : WEST BENGAL(State Code-19) Insurer Invoice Number : 181223228545
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 . Broker Code :10000001926

Receipt No. - 181223228545,Payment Mode - APD

For Renewal/Claims assistance - please contact Insurance.Co./Broker through : SMS "CLAIM" TO 575758 /MAXWHEEL MOTORS BERHAMPORE at 034-82224227
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)

As a responsible broker, we take a complete systematic approach to ensure that the IDV for the vehicle of age exceeding 5 years would be determined mutually by insurer
motor insurance opted by you meets their requirements and triggers the best way at and insured.
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
typhoon, hurricane, storm, material 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 considered as 25% of total painting charges for the purpose of applying the
Man-made Calamities: depreciation.(Applicable for policies with risk inception date on or after 1st February
- Burglary, theft, riot, strike, malicious act, accident by external means, terrorist 2013).
activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, etc. For all other parts depreciation rate is applicable as following:

- Personal Accident cover for individual owners of the vehicle while driving. Age of the vehicle % of Depreciation
- Personal Accident cover for individual owners of the vehicle while driving. Not exceeding 6 months Nil
- Legal Liability due to accidental damage for Exceeding 6 months but not exceeding 1
5%
- Any permanent injury/death of a person year
- Any damage caused to the property Exceeding 1 year but not exceeding 2
10%
- Towing Charges as applicable years
Exceeding 2 years but not exceeding 3
Optional Extensions 15%
years
- Loss of Electrical/Non-Electrical accessories Exceeding 3 years but not exceeding 4
25%
- Legal Liability to paid driver, cleaner or any workman years
- Personal Accident cover for the occupants Exceeding 4 years but not exceeding 5
35%
years
Other Salient Features Exceeding 5 years but not exceeding 10
40%
years
- No Claim Bonus available on subsequent renewals in lieu of claims free experience
Exceeding 10 years 50%
- Discount for opting higher voluntary excess Add On Cover
- Discount for installation of approved anti-theft devices
- Discount for AAI membership Addon Cover(s): If opted, the benefits and exclusions applicable as per insurance
- Depreciation is applicable company's rules & regulations. Coverage Details : Nil Dep- Nil Depreciation , RTI-
for the parts needing replacement in accident Return To Invoice, EP-Engine Protect, EME- Emergency medical expense The details
furnished above do not constitute the entire terms & conditions. For details please
What is not covered in the Policy? refer to insurance company's Policy Document on insurance company's website:
- Mechanical/Electrical breakdown, manufacturing defect www.icicilombard.com
- Consequential loss, depreciation, wear & tear
- Any contractual liability
- Intoxicated driving
- Deliberate accidental loss
- Damages due to nuclear weapons material or war
- Accidents outside the Geographical Area
- Policy Excess

Schedule of Depreciation
Schedule of depreciation for fixing IDV of the vehicle

Disclaimer: The 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 : In case disagreement or objection or any other changes with respect to information and contents mentioned herein above, please contact our toll-free
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 : Prohibition of Rebates (Section 41 of Insurance Act, 1938 as amended) : 1. No person shall allowo r 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 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.

Age of the vehicle % of Depreciation

Not exceeding 6 months 5%

Exceeding 6 months but not exceeding 1
15%
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 Additional Deductible: For multi-year policy (2/3 Years),Rs 500 or 5% of the claim
40%
years value whichever is lower for third admissible claim in the policy tenure.
 Rs 1000 or 10% of claim value whichever is lower for 4th or subsequent admissible
Exceeding 4 years but not exceeding 5 claims during the policy tenure.
50%
years