Welcome to Aditya Birla Insurance Brokers Limited, a subsidiary of Aditya Birla Capital Limited!

Dear MR. DEODHARI PRASAD SAHU,

We thank you for the trust you have shown by making us your preferred choice for your motor insurance needs. It’s our pleasure to have
you as a valued customer. Aditya Birla Capital’s protecting solutions enable you to protect against risks to you and your vehicle.
Your decision to choose your Motor Insurance under the Hyundai Assurance Program (HAP) will not only protect you against the risks, but
it also gives you a host of unique features such as:
• Instant online policy schedule cum certificate of insurance
• Online payment facility
• Includes six add-on covers
• In-built rodent cover
• Part categorization advantage
• 5-10% savings on salvage
• Assistance in hassle free and cashless claim settlement at the dealerships. Please note that the admission and settlement of claim
is at sole discretion of Insurance Company
What’s more, this policy program is recognized by all Hyundai dealers across the country, thus, leaving you with even lesser worries!
Please find enclosed the following:
• A Policy Schedule cum Certificate of Insurance, containing details of your vehicle insurance cover and premium calculation
• A Policy Wording Document with Terms & Conditions, as per your motor insurance policy. For detailed policy wording kindly
refer respective Insurance Company website
We hope that you were satisfied with all the insurance company options that were presented to you by your dealer and policy was issued
as per your choice of insurer.
Meeting your life’s money needs
Our purpose at Aditya Birla Capital is to make money matters simpler to understand to help you live the life you imagined. Therefore, all
the financial services businesses of Aditya Birla Group will now serve India as one brand – Aditya Birla Capital. One trusted name you can
rely on to understand and meet all your money needs throughout your life.
While you have availed our Protecting solution through Motor Insurance under the Hyundai Assurance Program, Aditya Birla Capital also
offers to help you in Investing prudently for your future to enable you to live the life you aspire; Financing your life’s immediate desires
and fueling your ambitions without having to wait; and in Advising the right solutions for your needs throughout your life.

We assure you of the best customer service always. Looking forward to a long and successful journey ahead!

Yours sincerely,
Aditya Birla Insurance Brokers Limited
For Renewals, Endorsements, NCB Certificates, Cancellations & Refund: Kindly contact VATSAL HYUNDAI RAMGARH at 065-53231871
 ICICI Lombard General Insurance Co. Ltd.
Stand-Alone Own Damage Private Car insurance Policy ,UIN: IRDAN115RP0001V01201920
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989)
Policy No 3001/O/HI-11518519/00/000 Proposal No. & Date P44957840, 26-NOV-2021
Policy Issued On 26-NOV-2021 (12:09) Previous Policy No. 3001/O/HI-11303072/00/000
Insured Name MR. DEODHARI PRASAD SAHU Previous Insurer ILG
Insured Add. S/O BIHARI SAHU AT-A TYPE 74 TOPA COLLIERY NEAR Period of Own Damage 01-DEC-2021(00:00) to 30-NOV-2022(Midnight)1 Year
SBI BANK TOPA PS MANDU, RAMGARH , JHARKHAND- Period of Liability Cover No Liability Cover
825330 Period of CPA Cover No CPA Cover +
Other Liability Policy : 3001/HI-11044513/00/000 , Insurance Company: ICICI Lombard General Insurance Co. Ltd. , Period from 01-DEC-19 TO 30-NOV-22
Nominee Name ..................... Age ............ Relation ...............
Servicing Office of Insurer: Plot No 1794, Second Floor, Ashirwad Mansion, Main Road Ranchi Jharkhand 834001 ,RANCHI ,JHARKHAND , PINCODE:834001 ,JHARKHAND (State Code : 20), PH-1800-26666

PAN: AAACI7904G GSTIN: 20AAACI7904G1Z1 CIN: U67200MH2000PLC129408

Make Model Sub Model Cubic Capacity Manufacturing Year Seating capacity
HYUNDAI SANTRO SANTRO 1.1MT ASTA 1086 2019 5
Body Type Registration No. RTO Hypothecation/Lease* Fuel Type Chassis No.
SALOON JH 24 F 2286 RAMGARH Yes PETROL MALAF51CLKM102169
Vehicle IDV Elec. Accessories Non-Elec. Accessories CNG/LPG Kit Total IDV Engine No.
404,429 0 0 0 404,429 G4HGKM048453
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A)
Basic Premium Deductibles
Vehicle 7,744 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
CNG/LPG Kit (IMT-25) 0 No Claim Bonus (20%) 1,549
Sub Total (Basic Premium) 7,744 Handicap Discount (50%) 0
Geographical Area Extension (IMT-1) 0 Sub Total (Deductibles) 1,549
IMT 58 Premium 0 Add On Coverages (ZD EP CM PB KP) 3,736
Sub Total-Addition 7,744 Net Own Damage Premium (A) 9,931

Total Premium 9,931

SGST (9%) 894 CGST (9%) 894
Gross Premium Paid 11,719
Note: 1.Policy issuance is subject to realization of cheque 4.Geographical Area-India,
2.Consolidated stamp duty paid to state exchequer 5.The policy is subject to compulsory deductible of Rs.1000 (IMT-22)
3. The insurance company will display terms & conditions on its website www.icicilombard.com which can be
*Subject to IMT Endt. Nos.& Memorandum:7,22
accessed by you online.
01-DEC-2021 to 30-NOV-
Tenure
2022
Total IDV 404,429
+ Being Standalone OD Policy, CPA is not cover.
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 Vehicle Rules,
1989.
This policy covers damages to vehicle only and not the Third Party losses. Third Party cover is taken by the customer in previous policy, details of which are as per the customer declaration only.
Customer needs to ensure that there is a valid TP cover at all times.“Own Damage Cover is subject to a valid Third Party 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 the preceding year(s)-20%, preceding two
consecutive years-25%, preceding three consecutive years-35%, preceding four consecutive years-45%, preceding five consecutive years-50% of NCB on OD Premium. NCB is allowed provided the
policy is renewed within 90 days of the expiry date of the 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
[email protected]. For detailed grievance redressal mechanism please visit the 'Grievance Redressal' on our website www.icicilombard.com.
Hypothecation Details: SBI - TOPA
MISP: AB-MHY000185 - VATSAL AUTOWHEELS PRIVATE LIMITED Designated Person (DP) Name: ASHIM KUMAR SINHA, Code: AB-DPHY000544-1649
Receipt No:181121346027, Payment Mode: ACH
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.
SAC : 997134, Description of Service : Motor Vehicle Insurance Services, Place of Supply : JHARKHAND(State Code : 20), Insurer Invoice Number : 181121346027
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.

Scan QR for Latest Status and Renew after 31-AUG-22 Authorized Signatory
Broker’s Name & Add.:Aditya Birla Insurance Brokers Ltd. One World Centre, Tower-1, 7th floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013.;IRDA License Number -ABIBL - 146/03
Insurer's IRDA Registration Number-:115
 Private Car Standalone Own Damage Policy
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 Age of the vehicle % of Depreciation
ensuring s that the car owner is protected from financial losses,
caused by damage or theft to the vehicle.
Not exceeding 6 months 5%
What does the policy cover?
■ Loss or damage to your vehicle or the accessories due to: Exceeding 6 months but not exceeding 1 year 15%

- Natural Calamities: Fire, explosion, self ignition or lightning, Exceeding 1 year but not exceeding 2 years 20%
earthquake, flood, typhoon, hurricane, storm, tempest,
inundation, cyclone, hailstorm, frost, landslide, rockslide.
Exceeding 2 years but not exceeding 3 years 30%
- Man-made Calamities: Burglary, theft, riot, strike, malicious
act, accident by external means, terrorist activity, any damage
Exceeding 3 years but not exceeding 4 years 40%
in transit by road, rail, inland waterway, lift,elevator or air, etc.

Exceeding 4 years but not exceeding 5 years 50%

IDV for the vehicle of age exceeding 5 years would be determined mutually
by insurer and insured
Schedule of Depreciation for parts replaced
50% for all rubber/nylon/plastic parts, tyres, tubes, batteries and air bags

■ Towing charges up to Rs. 1500 30% for all fiber glass components

Optional Extensions Nil for all parts made of glass

■ Loss of Electrical/Non-Electrical accessories In the case of painting, the depreciation rate of 50% shall be applied only on
the material cost of total painting charges.In the case of a consolidated bill for
■ Loss or damage to Bi-fuel system painting charges,the material component shall be considered as 25% of
total painting charges for the purpose of applying the depreciation.
(Applicable for policies with risk inception date on or after 1st February 2013)
For all other parts depreciation rate is applicable as following:

Other Salient Features Age of the vehicle % of Depreciation

■ No Claim Bonus available on subsequent renewals in lieu of

Not exceeding 6 months Nil
claims free experience
■ Discount for opting higher voluntary excess Exceeding 6 months but not exceeding 1 year 5%

■ Discount for installation of approved anti-theft devices Exceeding 1 year but not exceeding 2 years 10%

■ Discount for AAI membership Exceeding 2 years but not exceeding 3 years 15%
■ Premium Concession for specially designed/modified vehicle
Exceeding 3 years but not exceeding 4 years 25%
for blind, handicapped and mentally challenged persons
■ Depreciation is applicable for the parts needing replacement in
Exceeding 4 years but not exceeding 5 years 35%
accident
What is not covered in the policy? Exceeding 5 years but not exceeding 10 years 40%

■ Mechanical/Electrical breakdown, manufacturing defect

Exceeding 10 years 50%
■ Consequential loss, depreciation, wear & tear
■ Any contractual liability Addon Cover(s): If opted, the benefits and exclusions applicable as per
■ Intoxicated driving insurance company's rules & regulations.
■ Deliberate accidental loss Coverage Details : ZD-Zero Depreciation, RTI-Return To Invoice, EP-Engine
■ Damages due to nuclear weapons material or war Protect, PB- Loss of Personal Belonging, CM-Consumable Cover, KP-Key
Protect
■ Accidents outside the Geographical Area The details furnished above do not constitute the entire terms &
■ Policy Excess conditions. For details please refer to insurance company's Policy
Document on insurance company's website www.icicilombard.com
FastTag Clause:As per National Highways Authority of India, kindly ensure to affix FASTag on your vehicle.

PUC Clause: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.