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Comprehensive Plan digital copy

Policy Number: DCCR10429094207/00

Car Reg. no. Policy Starts Policy Expires

Maruti Alto K10 RJ14CN1125 2025 2026

Car Owner
SUNIL KUMAR
Insured Value
 2,43,608
20 19
October October
KUMAWAT

Plan Coverages
This is a comprehensive plan that offers complete coverage for damages to your car as well as third-party liability for one year.

Own Damage

Accident Coverage for damages and losses to your vehicle resulting from accidents and collisions.
Fire Coverage for damages and losses to your vehicle resulting from accidental fires.
Theft Coverage for losses (up to the total declared insurance value) in the event of theft of your vehicle.
Calamities Coverage for damages and losses resulting from calamities such as earthquakes, floods, and cyclones.
Rat Bite Coverage for wiring damage caused by rat bites.

Third Party

Covers financial or legal losses due to damage to any third-party person (unlimited) or property (up to Rs. 7.5
Third Party liability Lac).

Addons Selected

Consumable cover adds an extra layer of protection to your car by covering the cost of engine oils, screws,
Consumables nuts, bolts, grease, and other such consumables during repairs.
Compulsory Personal This cover provides a coverage of up to Rs.15 lakh for accidental death or disability of the car owner.
Accident Cover
Others NCB Protect
Please refer to the addon detail page for more information.

What's not covered

Non-Accidental Damages Damages resulting from wear and tear, breakdowns, and mechanical failures.

Regular wear and tear of these items is not covered by the policy. However, if the items are damaged in an
Tyres & Tubes accident along with the vehicle damage, they will be covered with a 50% depreciation cut.
If you are installing non-OEM parts such as halogen bulbs, stereos, or bifuel kits, please inform us in advance
Undeclared Non-OEM parts so that we can add them to your coverage.

QUICK In case of an accident or breakdown, all you have to do is inform ACKO, and we will take care of
TIP everything!
 Acko's GSTIN: 29AAOCA9055C1ZF

Car & Premium details(Private Car Package Policy)

Certificate of insurance cum policy schedule

Car & car owner details

Registration number RJ14CN1125 Name SUNIL KUMAR KUMAWAT

Reg. Authority name RJ-14 Email ID Su****************@[Link]

Car Maruti Alto K10 Phone number 76******44

Variant Lxi (Airbag) Pincode 302012

Hypothecation NA Place of supply Rajasthan

Registration year 2011

998/Petrol + CNG/LPG
Engine CC/ Fuel type
(externally fitted)

Engine number K10BN4288418

Chassis number MA3EADE1S00229059

What you paid to ACKO - Comprehensive Plan

Own Damage Premium (A) Liability Premium (B)

Basic Own Damage  1,851.00 Basic Third Party  2,094.00

NCB Discount(50%) - 925.42 Addon(s) Premium

Addon(s) Premium Third party CNG premium  60.00

Consumables  60.00 Compulsory Personal Accident Cover  399.00

NCB Protect  50.00

Net Own Damage Premium (A)  1,035.58 Net Liability Premium (B)  2,553.00

Total Package Premium (A+B)  3,588.00

IGST (18%)  647.00

Total Premium  4,235.00

Previous Policy document is required in case of claim within 30 days of Acko Policy Start Date

Reverse Charge-Not applicable

For Acko General Insurance

Ltd. Constituted Attorney
Limitations as to use
The Policy covers use of the vehicle for any purpose other than:
a. Hire or Reward b. Carriage of goods (other than samples or personal luggage) c. Organized racing
d. Pace making e. Speed testing f. Reliability Trials
g. Any purpose in connection with Motor Trade.

Persons or Class of Persons entitled to drive:

Any person including the insured, provided that a person driving holds an effective driving license at the time of the accident and is not
disqualified from holding or obtaining such a license. Provided also that the person holding an effective learner's license may also drive the
vehicle and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.

Limits of Liability:
1. Under Section II-1 (i) of the policy - Death of or bodily injury - Such amount as is necessary to meet the requirements of the Motor Vehicles
Act, 1988.
2. Under Section II - 1(ii) of the policy -Damage to Third Party Property - Rs. 750000.0
3. P. A. Cover under Section III for Owner - Driver (CSI): Rs. 1500000.0

Terms, Conditions & Exclusions:

As per the Indian Motor Tariff. A personal copy of the same is available free of cost on request & the same is also available at our website.
I / We hereby certify that the policy to which the certificate relates as well as the certificate of insurance are issued in accordance with the
provision of chapter X, XI of M. [Link] [Link] Duty of Rs 0.50 is paid as provided under Article 47 of Indian Stamp Act, 1899 and
included in the Consolidated Stamp Duty paid with the Department of Stamps, Bengaluru - Karnataka

Important Notice:
The Insured is not indemnified if the vehicle is used or driven otherwise than in accordance with this Schedule. Any payment made by the
Company by reason of wider terms appearing in the Certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from the
Insured. See the clause headed "AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY”.

Intermediary details:
Policy issue office Bengaluru Intermediary name Acko General Insurance
Phone number NA Intermediary code 218

Disclaimer:
The Policy shall be void from inception if the premium cheque is not realized. In the event of misrepresentation, fraud or non-disclosure of
material fact, the Company reserves the right to cancel the Policy. Please note that the insured vehicle was pre-inspected and a report was
prepared accordingly. The existing damages to the vehicle as mentioned in the report shall not be paid by the Company. The policy is issued
basis the information provided by you, which is available with the company. This policy is to be read in conjunction with the policy wordings
([Link] available on the website of the company. On renewal, the benefits provided under the policy and/or terms
and conditions on the policy including premium rate may be subject to change. In case of any kind of total loss or theft, settlement will be
done after adjusting for subsidy. In case of discrepancy/non recording of relevant information in the policy, the insured is requested to bring
the same to the notice of the company within 15 days.

Prohibition of rebates (section 41) of the insurance act - 1938 (as amended)
1. No person shall allow or offer to allow, either directly or indirectly as an inducement to any person to take out or renew or continue and
insurance in respect of any kind or risk relating to lives or property in India, any rebate of the whole or part of the commission payable or
any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate
expect such rebate as may be allowed in accordance with the prospectus or tables of the Insurer.
2. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to 10 lakh rupees.

For Acko General Insurance Ltd.

Duly Constituted Attorney

ACKO General Insurance Limited Product: Private Car Package Policy IRDAI Reg No.: 157
Acko Address - 36/5, Hustlehub One East, Somasandrapalya CIN : U66000KA2016PLC138288 HSN: 997134
27th Main Rd, Sector 2,HSR Layout, Bengaluru, 560102 UIN : IRDAN157RPMT0006V04201718