Relax. We've got you covered.

Azgar Ali Khan

Khalandar nagar bhadravati
Shimoga 577301, Karnataka
Contact: +91 8123339860

Dear Azgar,

A warm welcome from all of us.

You've made a great choice by selecting Zuno Private Car Liability Only Insurance . Your Policy No. is
402000569571.

We're going to do our best to provide you amazing service at all times. Count on us to always give you the full
picture, and to be completely fair and honest.

After reading this letter, do take a little time to download and go through the relevant policy information on our
website [Link]. It will help you know all the important details of the cover you now enjoy. We know
that insurance documents can make simple things sound difficult, but we really think you should read them,
because this is important!

The above information bears the main features and benefits, of course, and just as importantly, the features
which are not covered under your policy

You can download the relevant policy information by following the steps given below:
• Visit [Link]
• Visit product page
• Select the desired product
• Download the relevant policy information

We're just a call or an email away if you need to ask us something.

Write to us at support@[Link] or call us at 1800 12000.
Once again, we're delighted to have you with us.

Warm regards,

Shubhdarshini Ghosh
Managing Director & CEO

Zuno General Insurance Lim ited, (Formerly know n as Edelw eiss General Insurance Company Limited) Registered Office: 2nd Floor,
Tow er 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:
U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free), 022 42312000 (Call charges applicable) Email: support@[Link],
Website: w w w .[Link], Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal Officer: +91 22 4231 2022, Dedicated Toll-Free
Number for Grievance: 1800 120 216216. [Link] w w .[Link]/Ombudsman Trade logo displayed above belongs to Zuno General
Insurance Limited under license.
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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718

Objects in this document

are simpler than they seem.
Zuno Private Car Liability Only Insurance

Policy Schedule
Intermediary name: Policy Bazaar Insurance brokers Pvt Ltd
Intermediary reference code: 2210002570 Contact: 18002585970

Policy Details
Policy Servicing Office: MUMBAI Policy No. 402000569571
Period of Insurance: From 12:01:00 of 09/08/2025 to 23:59:00 of 08/08/2026
Insured's Name: Azgar Ali Khan Insured's GST No.: NA
Insured's Address: Khalandar nagar bhadravati Shimoga 577301, Karnataka
Insured's ID: 1011133980 Policy Issued On: 08/08/2025
Co-insurance Details: N.A Geographical Area: India
Proposal/Cover Note No.: 1707599139 Zone: B

We love your car, too.

Here are your car's important details. Please check if you've provided the correct ones?

Vehicle details
Registration Seating
mark Chassis Year of capacity
Engine No. Make Model Variant CC
& place of No. manufacture including
registration driver
MA3FKEB1
KA15P5621 D13A1239 VDI
S00451557* MARUTI SWIFT 1,248.00 2009 5
SAGARA 270 AMT
G9

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 How have we worked out your premium?
'Liability' means the damage to someone else.

Liability
Base Premium including Premium for TPPD ₹ 3416.00 Add:
Total ₹ 3416.00 PA
PA Owner Driver ₹ 0
Sub Total (additions) ₹ 0.00
Total liability premium ₹ 3416.00
CGST @9% ₹ 307.44
SGST @9% ₹ 307.44
Final premium ₹ 4,030.88

Note:- ​A s per Section 34(2) of the CGST Act 2017, GST will not be refunded/adjusted for any cancellation / endorsement/ deletion/refund after 6
months from the end of the previous financial year in which the policy was issued​.

Did you love someone else before we met?

It's OK, we'll deal with it. Here are the details of your last insurer.

Previous Insurer: Bharti AXA General Insurance Company Limited.

Previous Policy No.: 4573138500 Expiry on: 31-May-2025

Who's your nominee?

It's always good to have a Nominee, and you did the right thing by naming one. Given below are the details.

Name and Age of Nominee: REEHANA BANU & 35 years Relationship with Insured: Spouse
Name of Appointee (If Nominee is minor): NA
Relationship of Appointee with Nominee: NA

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 Red, orange or green?
What kind of loss/damage is covered, and what isn’t? As a thumb rule here, are a few things you should remember.

Use of the vehicle:

The Policy covers the use of the vehicle for any purpose except Motor Trade, hiring or rew ard, carrying goods (other than samples or personal
luggage), organized racing, pacemaking, speed testing, teliability trials etc.
Who can drive?
The driver can be anybody including the insured, provided he/she holds an effective driving license at the time of the accident and is not
disqualified from holding a driving license. How ever, the driver must satisfy the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.
Loss/damage to others:
Section II-1 (i) of your policy, covers you for liability for an amount of 750000/- in case of loss/damage to someone else’s property, or unlimited
liability for injury/death to other third parties in case you have an accident.

This is most important! Slow down here.

Although w e’d love to cover your vehicle w ithout exception, w e can’t. Your policy covers loss to your vehicle only if all the terms are met.
And any payment w e make because of terms appearing in this schedule or to comply w ith the Motor Vehicles Act, 1988, isrecoverable from you.
You should definitely read the clause, 'Avoidance of certain terms and right of recovery' in your policy w ording. Warranted that the Assured named
herein/ow ner of the vehicle insured holds a valid Pollution Under Control (PUC) Certificate on the date of commencement of the Policy and renew s
and maintains valid and effective PUC Certificate during the duration of the Policy period. If the PUC is not found valid on the date of loss, the
company shall repudiate any claim made under the Policy.
Please make sure that the vehicle details mentioned in your policy are correct, regarding the make, model, number of w heels, usage, tonnage, etc
of your vehicle. If any of these details do not match, it w ill count as fraud, and your policy w ill stand cancelled right from the start. If there's any
such mistake in your Policy Schedule/Document, let us know w ithin 15 days of getting it.
Subject to I.M.T. Endt. Nos. & Memorandum , IMT - 1 printed/attached here.
Date of duly signed proposal 08-Aug-2025 .
In Witness w hereof this Policy has been signed at: Mumbai on this 8th day of August 2025;
Receipt No. Date 08-Aug-2025
Consolidated stamp duty paid vide Letter of Authorisation No. CSD/79/2024-25/5359 dated 26-Nov-2024 at General Stamp Office, Mumbai .
Received premium payment of ₹ 4,030.88. vide instrument / reference number PB133954397. dated 08-Aug-2025 . against receipt number .
It is certified that your Policy and this Schedule have been issued according to the provisions of Chapter X and Chapter XI of the Motor Vehicles
Act, 1988.
Tax is not payable under reverse charge by the recipient
GST Registration No.: 27AAECE2328J1ZO HSN/SAC Code: 997134
Description of Goods or Service: General Insurance Service Place of Supply
State: 41 Code: 41
We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified
under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of the said sub-rule.

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 Address of Issuing Office: 2nd Floor, Tower 3, B Wing , For Zuno General Insurance Limited
Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (W),
Digitally signed by DS ZUNO GENERAL INSURANCE LIMITED
Mumbai 400070 Date: 2025-08-08
Date of Issue: 08/08/2025 Reason: Authentication
location: Mumbai

Authorized Signatory

We’re a digital-first company and care about the environment, so this digital copy of your policy is all you need. But if you’d still like a physical copy, just
give us a call on our toll-free number 1800 12000.

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
TRANSCRIPT OF THE PROPOSAL
Product Details Valid from (dd-mmm-yyyy) 09/08/2025
Product Name Private Motor Car Multiyear Valid to (dd-mmm-yyyy) 08/08/2026
Product Type Liability Only Fitness Cerficate Valid upto NA
Business Type Rollover Previous History
Proposal Details Date of Purchase NA
Gender Male Vehicle was New or Second Hand at the Used Car
Proposer Title MR time of purchasee
Proposer Name Azgar Ali Khan Vehicle be used exclusively for NA
Proposer DOB *** Private,Social, Domestic, Pleasure &
Khalandar nagar bhadravati
Proposer Address with Pincode , Shimoga 577301, Professional Purpose
Karnataka
Contact Number 8123339860 Carriage Goods other than sample or NA
Email ID jakeee890@[Link] personal luggage
PAN Number NA Vehicle in Good Condition (Yes/No) NA
GST Number NA If No (Not in Good Condition) - Details NA
Occupation Has any company, in respect of the
Policy Period (OD) risk to which this Proposal relates NA
Policy Start Date ever
Policy Start Time A) Declined a proposal, refused NA
Policy End Date renewal or terminated insurance NA
Policy End Time B) Required an increased premium or NA
Policy Period (3 Year TP) imposed special conditions
Policy Start Date 09/08/2025 Detail if A or B selected as "Yes" NA
Policy Start Time 12:01:00 Previous Insurance Detail
Bharti AXA General
Policy End Date 08/08/2026 Insurer Name
Insurance Company Limited.
Policy End Time 23:59:59 Policy Number 4573138500
Policy Period (CPA) Policy Expiry Date 31-May-2025
Third Party Multiyear
Policy Start Date Type of Cover
Contract
Policy Start Time
Policy End Date Claim Lodged NA
Policy End Time Claim Year NA
Vehicles Details Number of Claims NA
Registration Number KA15P5621 Claim Amount NA
Registration Place SAGARA Nom inee Details
Registration Date 28/07/2009 Nominee Name REEHANA BANU
Engine Number D13A1239270 Nominee Age 35 years
Chassis Number MA3FKEB1S00451557*G9 Realtionship with Proposer Spouse
Vehicle Make MARUTI Date of Birth 08.08.1990
Vehicle Model and Variant SWIFT & VDI AMT Name of the Appointee (for Minor) NA
Cubic Capacity / GVW / HP 1,248.00 Relationship to the Nominee NA
Seating Capacity (Including Driver) 05 Insured Declared Value (IDV)
Carrying Capacity 05 Vehicle IDV 0.00
Colour Non Electrical Accessories IDV 0.00
Fuel Type Diesel Electrical Accessories IDV 0.00
Body type Saloon Trailer IDV 0.00
Year of Manufacture 2009 Fuel Value (CNG / LPG) IDV 0.00
Transmission Type Gear Fuel discerption for
Vehicle Usage Non Conventional Source
Car Parking Place Proposed Coverage
Financier Details Type of Cover
Financier Type Geographical Area Extn. yes
Financier Name Geographical Area India
Financier Address Mumbai Imported Vehicles without
PUC Details Custom Duty

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 PUC Number Fibre Glass Tanks
Internal Bi Fuel / Hybrid Kit Liability For Bi-Fuel / Hybrid Kit

Vehicle Used for Driving Tuition NO Infirm ity Details

Name of Automobile Association NO Involved / Convicted For Causing Any
Membership No Accident/Loss
Date of expiry of membership 0001-01-01 Pending Prosecutins Details
Annual Mileage Date Of Accident
Voluntary Discount Loss /Cost
Anti-Theft Discount 0 Circumstance Of Accident / Loss
Auto Mobile Association Discount 0 Addon Cover
Vintage Car Consumable Expenses Protect
Used Confined to Own Premises Key and Locks Protect
Discount NCB Protect
Handicapped Discount Mandatory Deduction Protect
Restricted TPPD Personal Belongings Protect
Owner Driver Depreciation Protect
PA Unnam ed Passenger SI Engine Protect
PA Unnamed Passenger Number Invoice Value Protect
PA Named Passenger Number Emergency Medical Expenses Protect
PA Named Passenger - Name Road Side Assistance
PA Named Passenger - CSI Pillion Protect
PA Named Passenger - Nominee Personal Accident Protect
PA Named Passenger - Relations Tyre Protect
Legal Liability To Employees EMI Protect
Legal Liability To Employees Number Key and Locks Protect Plus
Consumables Expenses Protect Plus
Basic Coverage (Battery Protection)
EV Standalone Accessories
EV Private Charging Station
EV Optional PA to Owner Driver
Pay as You Drive 0
Pay How You Drive
Preferred Garage Discount
Paym ent Details
Legal Liability To Paid Drivers Payment Mode Net Banking
Legal Liability To Other than Paid Instrument Date 08-Aug-2025
Drivers Instrument / Reference Number PB133954397
Legal Liability To Employee who Premium Amount 4,030.88
are not "Workman" Interm ediary Details
Policy Bazaar Insurance
Driver Details Intermediary Name
brokers Pvt Ltd
Driver Name Intermediary Reference Code 2210002570
Driver Relationship with the SELF Intermediary Contact Number 18002585970
Proposer Intermediary Email
Driver Date of Birth Intermediary Sales Person's Name
Driver Occupation Intermediary Sales Person's Contact
Experience - No. of Driving Years 1 Servicing Branch Name
Driver Suffer from Defective vision or
Servicing Branch Code
Hearing or any Physical Infirmity

* These documents w ill figure in phyical form unless our system allow s upload of information. There should be a corresponding sentence in this
box and it should read as 'Documents related to and submited in pursuance to this proposal shall form part of this proposal.'
*The information, together w ith all statements, disclosure, representation and declaration, received from you (proposer), as has been reproduced
above, forms the basis of the insurance policy issued to you. Please inform us (insurer) immediately in case of any error or omission contained in
such information.

Proposal Transcript Generation Date:06/10/2023 Time:12:01:34

 Zuno General Insurance Limited
Acknowledgment of Premium Receipt

Registered Office Address: 2nd Floor, Tower 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla
(West), Mumbai 400070
Issuing Office Address: 2nd Floor, Tower 3, B Wing , Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla(W),
Mumbai 400070
Product Name: Private Motor Car
Policy No: 402000569571

Office Code: 13 Office location: Maharashtra

Receipt No: Receipt generation date/time: 08-Aug-2025

Intermediary/agency name: Policy Bazaar Insurance

Intermediary/agency code: 2210002570
brokers Pvt Ltd
Policyholder's ID: 1000127971 Name of policyholder/financier: Azgar Ali Khan

Payment received from: Azgar Ali Khan Mode of payment: Net Banking
Instrument/transaction No: PB133954397 Cheque drawn on:
Instrument date: 08-Aug-2025

Consolidated stamp duty paid vide letter of authorisation No. CSD/26/2024-25/2981 dated 24-07-2024 at
General Stamp Office, Mumbai

Branch Address: Branch Address: 2nd Floor, Tower 3, B Wing , Kohinoor City Mall, Kohinoor City, Kirol Road,
Kurla (W),Mumbai 400070
Note: Premium amount is inclusive of GST.

Zuno General Insurance Lim ited, (Formerly know n as Edelw eiss General Insurance Company Limited) Registered Office: 2nd Floor,
Tow er 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:
U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free), 022 42312000 (Call charges applicable) Email: support@[Link],
Website: w w w .[Link], Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal Officer: +91 22 4231 2022, Dedicated Toll-Free
Number for Grievance: 1800 120 216216. Trade logo displayed above belongs to Zuno General Insurance Limited under license.
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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718