Dear Mr.

SOURABH ,

Greetings from Harita Insurance Broking LLP!!!

It gives us an immense pleasure to welcome and thank you for choosing our services.

As you are aware that Vehicle Insurance in India is mandated by the Indian Motor Vehicles Act *, 1988.

The primary reason to mandate motor insurance is third party liability. Unlike any other property, a two-wheeler in a public space can cause damage to
the life and property of others. This liability for death, bodily injury or damage to property of third party is borne by the insurer. This third party liability is
part of every motor insurance policy and no vehicle in India will be allowed to run on the road without it.

We wish you to have great and memorable travelling experiences with your two-wheeler . However, some of us may face few unforeseen events causing
inconvenience and additional financial burden. In case of such eventualities, we would like you to leave all your worries related to your vehicle with us and
relax during such occurrences. You just need to inform the nearest authorized workshop of your choice OR toll free number of insurer and workshop team
will take care of everything from picking up the two-wheeler , claim intimation with insurance company, survey arrangements, vehicle repair, salvage
management and hassle free nearly cash less claims settlement.

we offer you an insurance policy with unique benefits such as:-

1. Instant Online Policy Issuance by insurance company (less paper work needed).
2. Fast and hassle-free claim settlements at vehicles manufacturer dealers and approved garages of the insurance company.
3. Avail Special add on covers like Zero Depreciation, Consumable Cover, Return to invoice, Tyre Cover, Engine Protector, Loss of Key & other add on
covers by paying minimal additional premium.
We at Harita Insurance Broking LLP (herein after called as HIB) intend to provide absolute peace of mind and high level of satisfaction which will help
you forget the unforeseen events. Hereby we ensure that you get prompt and courteous service by insurers cashless tie-up garages/workshops using
network across the country.

Your Complete Satisfaction is prime objective of HIB and insurance company. We look forward to serve you. In this context, please find enclosed:-

1. A Policy Schedule cum Certificate of Insurance, containing details of your vehicle insurance cover and detailed premium break-up.
2. Summary of policy terms & conditions.
We once again thank you for choosing our services and look forward to your continued support and patronage. Wishing you safe & worry-free journeys
ahead!

Best Wishes & Regards,

Team HIB

For any service related queries, please contact us:

at toll free +91 44-47877806. Email-id: support@[Link]
Harita Insurance Broking LLP
Regd. Office:Fagun Towers 1st Floor,#74 Ethiraj Salai, Egmore Chennai 600008
IRDAI License Number: 623 . Direct Broker Valid till: 12th October 2026 | LLP Identification No.: AAH 5778
INSURANCE IS A SUBJECT MATTER OF SOLICITATION
 SBI GENERAL INSURANCE COMPANY LTD (ISO 9001:2015 Certified Company)
BUNDLED TWO-WHEELER INSURANCE POLICY - CERTIFICATE CUM POLICY SCHEDULE
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES *,1989)
UIN No: IRDAN144RP0007V02201819 GSTIN: 07AAMCS8857L1ZE
IRDAI Registration No: 144 Description of Services: Motor Vehicle insurance services
Address: 2nd Floor, Plot No. N.27 Block-N Sector-18,Delhi
Toll Free No.: 1800-102-1111, 1800-22-1111 Website: [Link] Email: [Link]@[Link]

Policy & Owner Details Policy Type- New Product Name- Bundled Two-Wheeler Insurance Policy

Policy Number Proposal Number & Date Insured GSTIN Number

POPM2W00102984176 QPM2W001000185754241 & 14/04/2025
Policy Tenure (OD Tenure) Policy Tenure (TP Tenure) Policy Issued On
1 YEAR 5 YEAR 14/04/2025 19:47:56
Period Of Insurance (OD Tenure) Period Of Insurance (TP Tenure)
From: 14/04/2025 19:47:56 14/04/2025 19:47:56 To
To: 13/04/2026 23:59:59 13/04/2030 23:59:59
Insured Name Insured Address
Mr. SOURABH HOUSE NUMBER-412, GALI NUMBER-2, INDERA PRASTHA COLONY, I.E. SAHIBABAD, Ghaziabad uttar pradesh 201010
Nominee Name (Age) Nominee Relationship Appointee Name Relation with Appointee
Mr. MUKESH (50) Father - -

Vehicle Details
Make Model Variant Cubic Capacity Seating Capacity Body Type
TVS TVS RAIDER DRUM TVS RAIDER-OBDIIA DRUM SS 125 125 2 SOLO
WICKED BK -
Manufacturing Year Registration Date Fuel Type RTO Registration Number Chassis Number
2025 14/04/2025 PETROL UP-14 New MD625AF96S1B15300
Engine Number CNG [Link] [Link] Carrier Type CNG/LPG Kit
AF9BS1707576 0 0 0 No
Insured Declared Value (Tenure 1) Hypothecation/Lease/HP* Hypothecation City Hypothecation Institute Financier Branch Geographical Extension
80760 -
CPA
Have another Motor Insurance Policy with 15 lakhs PA owner cover
Schedule Of Premium (Amount In Rs.)
OWN DAMAGE PREMIUM (A) LIABILITY PREMIUM (B)
Particular Total Particular Total
Basic Own Damage 812.12 Basic Third Party Liability 3851
Non-Elec. Accessories 0 Third Party Liability For Bi-Fuel Kit 0
Elec. Accessories (IMT-24) 0 PA Cover For Owner Driver (IMT-15) 0
CNG / LPG Kit (IMT-25) 0 PA Paid Driver 0
Geographical Extension (IMT-1) 0 PA Cover For Unnamed Persons (IMT-16) 0
Sub Total (Basic Premium) 812.12 Legal liability Paid Driver (IMT-28) 0
ADD ON COVERAGE Legal liability Unnamed Persons (IMT-29) 0
Zero/Nil Depreciation 242 Geographical Areas Extension (IMT-1) 0
Sub Total (Addons) 242 Net Liability Premium (B) 3851
DISCOUNTS Total Premium (A+B) 4905.03
AntiTheft Discount (IMT-10) 0 IGST Premium (18%) 882.97
AA Membership Discount (IMT-8) 0 Total GST 882.97
Handicapped Discount (IMT-12) 0
No Claim Bonus 0 Gross Premium 5788
Sub Total (Discounts) 0
Net Own Damage Premium (A) 1054

• Policy insurance is subject to realization of premium/payment. • Consolidated stamp duty paid to state exchequer. The policy is subject to compulsory deductible (IMT-22) of Rs.100. • Geographical Area-India. •
NOTE: You agree to receive the policy document (without enclosing the terms & conditions) from the company and the company will display terms & conditions on its website which can be accessed by you online. * Subject
to IMT Endt. Nos. & Memorandum: 22,.
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 (8) Tuition.
Drivers 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 [Link] also that
the person holding an effective learners license may also drive the vehicle & that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicle Rules *, 1989.
Limits of Liability Clause: (a) 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. (b) Under Section II (1)(ii) of the Policy-
Damage to property other than property belonging to the insured or held in trust or in the custody of control of the insured up to the limits specified- (TPPD Sum Insured - ` 1,00,000/-) .
No Claim Bonus : No Claim Bonus will only be allowed, provided the policy is renewed within 90 days of the expiry of the previous policy. 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.
Geographical Area: Any accidental loss damage and/or liabilty caused sustained or insured within India shall be covered subject to policy Terms and Conditions, unless specially agreed and endorsed.
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 interruption, English version will hold good.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. "As per section 146 of
the motor vehicle act *, 1988 it is mandatory to have your vehicle insured against third party risk". As per section 196 of the above act,driving a vehicle without valid insurance is punishable with fine upto Rs 2000/- or
imprisonment upto 3 months or both. Pre-existing Damages: All types of pre-existing damages or cost of rapair of such damage will be excluded at the time of claim settlement. Updating Registration Number of vehicles within
15 days of policy inception is MANDATORY as per IRDAI. Kindly provide the same to your Agent/Our Call centre/Policy issuing Branch (Applicable for policies booked without Registration No of vehicles).
Grievance Clause: Insured is advised to go through the policy schedule cum certificate of insurance which is issued based on your declaration and if any error/ discrepancy is found in respect of vehicle details, No Claim Bonus
or any other material information, it should be brought to our notice within 15 days of receipt of this policy for necessary correction along with the supporting documents, otherwise it will be deemed correct. In the unfortunate
event of a claim, please call quoting your Policy No. on 1800-102-1111, 1800-22-1111 (toll free) and register your claim immediately within 7 days from the date of loss. You may visit company website at [Link] for
detailed benefits, terms & conditions & exclusions of the policy. You may also reach us at our 24*7 helpline 1800-102-1111, 1800-22-1111 or [Link]@[Link] in case you desire to have a printed copy of policy
wording or any other assistance required. Our grievance redressal procedure and details about ombudsman is also available in our policy wording and company website. Please note that any misrepresentation, non disclosure
or withholding of material facts will lead to cancellation of policy void ab initio with forfeiture of premium and non consideration of claim, if any. In the event of unsatisfactory response from the Head Grievance Officer, he/she
may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance. Details of Insurance Ombudsman are available at IRDAI website [Link] or on company website
[Link] or on General Insurance Council: [Link]

MISP:BINSAR MOTORS LLP | HIB/TVS/14277 | binsar10868tvs@[Link]

DP:Yuvraj singh | HIB_002060 | binsarautomobiles@[Link] | 9354191799
Broker Name & Address: Harita Insurance Broking LLP, Fagun Towers 1st Floor, #74 Ethiraj Salai, Egmore Chennai 600008 | Broker Code : 97309

For & On Behalf of

SBI GENERAL INSURANCE COMPANY LTD

Authorized Signatory

For Renewal/Claims assistance - please contact [Link]./HIB through : BINSAR MOTORS LLP at 9354191799
Introduction to Motor Insurance Policy Schedule of Depreciation for fixing IDV of the vehicle
A Motor Insurance Policy is mandatory under the Motor Vehicle Act * ensuring that the two-wheeler owner is
protected from financial losses, caused by damage or theft to the vehicle and third party liability Age of the vehicle % of Depreciation
What does the Policy Cover?
1. Legal Liability due to accidental damage for any permanent injury/death of a person. Not exceeding 6 months 5%
2. Any damage caused to the property.
Optional Extensions
Exceeding 6 months but not exceeding 1 year 15%
1. Loss of Electrical/Non-Electrical accessories.
2. Loss or damage to Bi-fuel system.
3. Legal Liability to paid driver, cleaner or any workman. Exceeding 1 year but not exceeding 2 years 20%
4. Personal Accident cover for the occupants
Other Salient Features Exceeding 2 years but not exceeding 3 years 30%
1. No Claim Bonus available on subsequent renewals in lieu of claims free experience.
2. Discount for opting higher voluntary excess. Exceeding 3 years but not exceeding 4 years 40%
3. Discount for AAI membership.
4. Premium Concession for specially designed/modified vehicle for blind, handicapped and mentally
challenged persons. Exceeding 4 years but not exceeding 5 years 50%
5. Depreciation is applicable for the parts needing replacement in accident.
What is not covered in the policy?
In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting
1. Mechanical/Electrical breakdown. charges. In the case of a consolidated bill for painting charges, the material component shall be considered as
2. Manufacturing defect. 25% of total painting charges for the purpose of applying the depreciation.
3. Consequential loss, depreciation, wear & tea.
4. Any contractual liability.
5. Intoxicated driving. Age of the vehicle
6. Deliberate accidental loss.
7. Damages due to nuclear weapons material or war. Rubber, Nylon/ Plastic parts,and Air bags 50%
8. Accidents outside the Geographical Area.
9. Policy Excess.
Fibre glass components 30%
Voluntary Deductible Discount
Rest all parts including wooden parts
Rs. 500 5% on the OD premium of the two wheeler, subject to a maximum of Rs. 50/-.
Vehicle Age % Depreciation
Rs. 750 10% on the OD premium of the two wheeler, subject to a maximum of Rs.75/-
Not Exceeding 6 months Nil
Rs. 1000 15% on the OD premium of the two wheeler, subject to a maximum of Rs.125/-
Exceeding 6 months but not exceeding 1 year 5%
Rs. 1500 20% on the OD premium of the two wheeler, subject to a maximum of Rs.200/-
Exceeding 1 year but not exceeding 2 years 10%
Rs. 3000 25% on the OD premium of the two wheeler, subject to a maximum of Rs.250/-
Exceeding 2 year but not exceeding 3 years 15%

Exceeding 3 year but not exceeding 4 years 25%

Exceeding 4 year but not exceeding 5 years 35%

Exceeding 5 year but not exceeding 10 years 40%

Exceeding 10 years 50%

Period Of Insurance % of NCB on OD

Premium

No claim made or pending during the preceding full year of insurance. 20%

No claim made or pending during the preceding 2 consecutive years of 25%

insurance.

No claim made or pending during the preceding 3 consecutive years of 35%

insurance.

No claim made or pending during the preceding 4 consecutive years of 45%

insurance.

No claim made or pending during the preceding 5 consecutive years of 50%

insurance.

Add On Cover
If opted, the benefits and exclusions applicable as per insurance companys rules & regulations
1. Nil Depth-Two Wheeler Package policy-Bundled (SBIGEN01 ):It covers Depreciation amount deducted on the value of parts replaced as a result of admissible claim under Own Damage Section (Section I) of policy.
Perils covered
1. Own damage - Coverage's.
2. Risks indemnified against loss / damage to vehicle (including accessories, if covered)
3. Fire, explosion, self ignition, lightening
4. Burglary, housebreaking, theft
5. Riot & strike
6. Earthquake,(Fire & Shock)
7. Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
8. Accidental external means
9. Malicious act
10. Terrorist activity
11. Landslide, rockslide
12. In transit
Statutory Provision
1. Note: In the event of dishonor of cheque, this policy document automatically stands cancelled from inception irrespective of whether a separate communication is sent or not.
2. The policy has been issued based on the information provided by you and the policy is not valid if any of the information provided is incorrect, subject otherwise to the terms, conditions and exclusions of the Bundled Two-
Wheeler Insurance Policy POLICY Schedule.
FASTag
1. Government of India has mandated electronic toll payments using FASTag to reduse vehicle traffic at toll plazas. Customers are advised to comply with the direction of the government and get their FASTag from Point of
Sale locations at Toll Plazas or from issuer agency. Please visit [Link] for details.
PUC
1. We have issued the policy basis your confirmation that you hold a valid PUC and/or fitness certificate, as applicable.
2. warranted that the insured named herein/owner of the vehicle holds a valid Pollution Under Control (PUC) Certificate and/or valid fitness certificate, as applicable on the date of commencement of the policy and undertakes
to renew and maintain a valid and effective PUC and/or fitness certificate, as applicable, during the subsistence of the policy, further, the company reserves the right to take appropriate action in case of any discrepancy in
the PUC or fitness certificate.
Disclaimers
1. The policy wording with detailed terms, conditions and exclusions are available on our website [Link].
2. It is hereby declared and agreed that all pre-existing damages to the vehicle having occurred prior to the commencement of cover are excluded from the scope of the policy.
Grievance Redressal
1. For resolution of any query or grievance you may contact us on our toll free no. 1800-102-1111, 1800-22-1111, , or visit any of our branch offices. You can also write to us at [Link]@[Link]. For detailed
grievance redressal mechanism please visit the "Grievance Redressal" section on our website [Link]
Warranty statement pro-rata
1. In consideration of the premium for this extension being calculated at a pro-rata proportion of the annual premium, it is hereby declared and agreed by the insured that upon expiry of this extension, this policy shall be
renewed for a period of twelve months, failing which the difference between the extension premium now paid on pro rata basis and the premium at short period rate shall become payable by the insured.
2. Warranted that NCB under this policy is based on representation regarding NCB and absence of claim under the previous [Link] is hereby warranted the coverage under this Policy commences only from the Risk Start
time and Date as mentioned in the Policy schedule. No Liability shall attach under this Policy in respect of any Accident/Loss prior to the time and date of commencement of Period of Insurance.

SBI GENERAL INSURANCE COMPANY LTD.

IRDAI Reg. No. 144. CIN: U66000MH2009PLC190546 .
Registered & Corporate Office: 101, 'Natraj', Junction of Andheri-Kurla Road & Western Express Highway, Andheri East, Mumbai, Maharashtra- 400069.
Policy Issuing/ Customer Happiness Center:
For Claim/Policy related queries call us at 1800-102-1111, 1800-22-1111 or for Visit Help Section on [Link] for policy copy/tax certificate/ make changes/ register & track claim.
 PAYIN SLIP

Payment - Policy

Payin Slip No.: PA00000024365224 Receipt Date: 14/04/2025 19:47:56

Broker Code : IRDA/DB 708/17. Broker Name : Harita Insurance Broking LLP
MISP Code : HIB/TVS/14277 MISP Name : BINSAR MOTORS LLP
DP Code : HIB_002060 DP Name : Yuvraj singh
Insurance Company : SBI GENERAL INSURANCE COMPANY LTD

Unique Ref. Proposal Number Policy Number Policy Insured Cheque/Ref Number Cheque/Ref Payment Drawn Premium
Number Date Name Date Mode On

367FD18A1A974C QPM2W001000185754241 POPM2W00102984176 14/04/2025 Mr. pay_QIy3VQpjXhzzKT 14/04/2025 WALLET 5788

SOURABH

Total : 5788

Note :
1. This is a computer generated receipt and does not require a signature.
2. Upon issuance of this Receipt, all previously issued temporary receipts, if any related to this Policy shall be considered null or void.
3. Amounts received by cheque shall be subjected to realisation.
4. Any amount received in excess of the Premium is being/shall be refunded by the Company.
 CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY
Product Name: Bundled Two-Wheeler Insurance Policy

Unique Identification IRDAN144RP0007V02201819

Number (UIN)
allotted by IRDAI:

Structure: Basis of Sum / Limit Insured:

Section I: indemnity basis

Section II: Legal liability as per M.V act, Workmen compensation act

Section III : Benefit basis.

Interests Insured Bundled Two-Wheeler Insurance Policy

Sum Insured / Motor Section I:

Insured Declared UP to 7.5 lakh
Value Scope
Section II:
Third party Property damage: Two Wheeler
Third party liability: As per Motor Vehicle Act

Section III:
INR 1 lakh or INR 7.5 lakh

Motor - Insured Declared Value (IDV) Scope

The IDV of your vehicle and any accessories is set based on the manufacturer’s listed selling price of your vehicle's brand and model at the start of the policy
or upon renewal. This value adjusts each year according to the depreciation rates specified in your policy. During your policy period, the IDV serves as the
Market Value for Total Loss (TL), Constructive Total Loss (CTL), or Cash loss claims without further depreciation. Your vehicle will be declared a CTL if the total
cost of retrieval or repair exceeds 75% of the IDV, in line with your policy’s terms and conditions.

Policy Coverage Motor Own Damage – Covers damage to your vehicle from 14/04/2025 to 13/04/2026
Motor Third party – Covers damage or injury to others and their property, with optional add-ons from 14/04/2025 to 13/04/2026
Motor Personal Accident – Covers you from to
Section I: Loss of or Damage to the Vehicle Insured
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.
Section II: Lability to Third Parties Company will indemnify the insured in the event of an accident caused by or arising out of the use of the insured
vehicle against all sums which the insured shall become legally liable to pay in respect of
i) death of or bodily injury to any person including occupants carried in the insured 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. Section III – Personal
Accident Cover for Owner-Driver
Company to pay compensation as per the scale (mentioned in policy document) 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 six calendar months of such injury.

Add-on Cover Zero/Nil Depreciation

Loss Participation Compulsory Deductible: Your compulsory deductible, listed in your policy schedule, depends on your vehicle's engine size or kilowatt (KW) rating:

As mentioned on policy schedule Compulsory Deductible of Rs 100/- would be applied.

Voluntary Deductible: If you’ve chosen a voluntary deductible, the amount is shown in your policy schedule. Please check the table in your policy for the
details:

VOLUNTARY DEDUCTIBLE DISCOUNT

Amount % Two-Wheeler - Own Damage Premium Discount Up to

₹ 500/- 5% ₹ 50/-

₹ 750/- 10% ₹ 75/-

₹ 1000/- 15% ₹ 125/-

₹ 1500/- 20% ₹ 200/-

₹ 3000/- 25% ₹ 250/-

Exclusions The Company shall not be liable under this Policy in respect of:

Section I:

1. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;
2. any claim arising out of any contractual liability;
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 purpose of this exception combustion shall include any self-
sustaining process of nuclear fission
3. any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
4. any accidental loss damage and/or liability 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 war like operations (whether before or after declaration of war) civil war,
mutiny rebellion, military or usurped power or by any direct or indirect consequence 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.

Section II:

1. any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is TP
a. being used otherwise than in accordance with the ‘Limitations as to Use’ or
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

Special Conditions Limitations of Usage: The policy covers your vehicle for all purposes using it for hire, carrying goods (except personal luggage), organized racing or speed
and Warranties (if tests, and motor trade activities.
any)
Driver's Clause: The policy covers any driver, including you, as long as you have a valid driving license at the time of the accident and are not disqualified
from holding one, or if you have a learner's license that follows Rule 3 of the Central Motor Vehicles Rules, 1989

Important Notice: If your vehicle is used outside the terms of this policy, you won’t be covered. Any payments made by the company to comply with the
Motor Vehicle Act, 1988 will need to be repaid by you. For more details, see the "Avoidance of Certain Terms and Right of Recovery" clause in your policy
schedule.

Warranty: You must have a valid Pollution Under Control (PUC) certificate and/or Vehicle Fitness Certificate at the start of the policy and ensure they stay up
to date throughout the policy period. This keeps your coverage smooth and uninterrupted.

Admissibility of Claim Admissibility of claim depends on the document submitted for the damaged vehicle claimed by the insured in reference to event /peril / term and condition of
the policy.

Surveyor will verify the document and assess the loss as per policy term / condition and coverage mentioned in the policy.

Submitted the Report to the insurer. The claim would not be acceptable if it falls under specific warranty or General exclusion/condition mentioned in the
Policy Wordings.

Denial: Denial of claim can be done by us & policy can be cancelled on the ground of mis-representation, mis-declaration, fraud, non-disclosure of material
facts.

The sample claim calculation process is mentioned below

A. Gross Assessed Liability ₹20,000

B. Less: Depreciation (if applicable) (₹4,000)

C. Net Assessed Liability (A-B) ₹16,000

D. Less: Compulsory Deductible (₹2,000)

E. Net payable amount (C-D) ₹14,000

Policy Servicing -
Claim Intimation and 1. Claim intimation & reaching to our designated officials, please contact us at
Processing
Email: [Link]@[Link]

Toll-Free number: 1800102111

Website: [Link]

Whatsapp: 7669800345

Mobile app:

SMS: 561612

2. Procedure to be followed for cashless service

A. For accidental damage: Contact us as above mention modes

B. You will receive a text message with contact details of the surveyor appointed for your claim.

C. Document Submission: Surveyor collect all relevant documents from you or documents may be submitted to branch digitally through whatsapp/Mobile
app or link shared by us
Grievance Redressal If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows:
and Policyholders
Protection Our Grievance Redressal Officer

If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through:

Call Centre - 1800-102-1111, 1800-22-1111

Emails - [Link]@[Link]
Company Website – [Link]
Courier - Any of our Branch office or corporate office
You may also approach the Complaint & Grievance (C&G) Redressal Cell at any of our branches with the details of your grievance during our working hours
from Monday to Friday.

If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service at

The Complaint & Grievance Redressal Cell ,

SBI GENERAL INSURANCE COMPANY LTD (ISO 9001:2015 Certified Company)

Address: 2nd Floor, Plot No. N.27 Block-N Sector-18,Delhi

Grievance may also be lodged at IRDAI Integrated Grievance Management System - [Link]

You may also approach the nearest Insurance Ombudsman for resolution, if your grievance is not redressed by the Company. The contact details of
Ombudsman offices are below if your grievance pertains to:

Insurance claim that has been rejected or dispute of a claim on legal construction of the policy
Delay in settlement of claim
Dispute with regard to premium
Non-receipt of your insurance document

Obligations of the Disclosure of Information: Please ensure all details provided in your proposal form are accurate and inform us promptly of any changes, as not doing so
Policyholder could affect your coverage and claims. Please make sure to share key details like a valid driver’s license, PUC certificate, vehicle registration, correct no-claim
bonus and any past claims or accidents. For the complete list of disclosures, please check your policy wording