Relax. We’ve got you covered.

Mrs. KOTHAKONDA SHIRISHA

H.No.4-8-79/1, MANJEERA NAGAR
SANGAREDDY
Hyderabad 502001, Telangana
Contact: +91 9440075764

Dear KOTHAKONDA,

A warm welcome from all of us.

You’ve made a great choice by selecting Zuno Private Car Package Insurance . Your Policy No. is
402000162198.
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 www.hizuno.com. 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 www.hizuno.com
· 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 [email protected] or call us at 1800 12000.
Once again, we’re delighted to have you with us.

Warm regards,

Shubhdarshini Ghosh
Executive Director & CEO

Zuno General Insurance Limited, (Formerly known as Edelweiss General Insurance Company Limited) Registered Office: 2nd Floor,Tower 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: [email protected], Website: www.hizuno.com, 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 Package Insurance | UIN: IRDAN159RP0002V02201819
Objects in this document
are simpler than they seem.

Zuno Private Car Package Insurance

Policy Schedule

Intermediary Name: D2C Insurance Broking Pvt. Ltd.

Intermediary Reference Code: 2210001432 Contact: 18004197852

Policy Details
Policy Servicing Office: TELANGANA Policy No. 402000162198
Period of Insurance: From 00:01:00 of 19/02/2024 to 23:59:59 of 18/02/2025
Insured's Name: Mrs. KOTHAKONDA SHIRISHA Insured's GST No.: NA
Insured's Address: H.No.4-8-79/1, MANJEERA NAGAR, SANGAREDDY, Hyderabad 502001, Telangana
Insured's ID: 1000912675 Policy Issued On: 19-Feb-2024
Co-insurance Details: N.A Geographical Area: India
Proposal/Cover Note No.: 332951808 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 Mark Engine No. Chassis Make Model Variant CC Year of Seating
& Place of Registration No Manufacture Capacity
including driver
SMART
TS15EV0015 D13A5589 MA3FNEB1S0
MARUTI S-CROSS HYBRID 1,248.00 2018 05
MEDAK-SANGAREDDY 976 0180767BJ
ZETA BS-IV

Insured’s Declared Value (IDV)

Year For the Vehicle For Side-car Non-electrical Electrical/Electronic Value of CNG Total IDV
Accessories Accessories /LPG Kit
1st Year `4,05,000.00 `0.00 `0.00 `0.00 `0.00 `4,05,000.00

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Zuno Private Car Package Insurance | UIN: IRDAN159RP0002V02201819
 How have we worked out your premium?
‘Own Damage’, as the term suggests, covers harm or loss to your own vehicle. ‘Liability’ means the damage to someone else.

A. Own Damage B. Liability

Base Premium on Vehicle and Accessories Base Premium including Premium for
`8,199.93 TPPD `3,416.00
Total `8,199.93 Total `3,416.00
Premium for Add-ons PA
1) Consumable Expenses Protect `495.00 1) PA Owner Driver `220.00
2) Depreciation Protect `1,822.50 Sub Total (additions) `220.00
3) Engine Protect `810.00 Legal Liability
Subtotal (additions) `3,127.50 2) Legal Liability To Paid Drivers `50.00
Sub Total (additions) `50.00
Total `270.00

TOTAL LIABILITY PREMIUM `3,686.00

CGST Amount @ 9% `1,351.20
TOTAL OWN DAMAGE PREMIUM `11,327.43 UT/SGST Amount @ 9% `1,351.20
PACKAGE PREMIUM (A+B) `15,013.43 FINAL PREMIUM `17,715.83

No Claim Bonus:0.00 Compulsory Deductible:1,000.00

Voluntary Deductible:0.00 Additional Compulsory Deductible:0.00

Note:- “As 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”.
P.A. Cover for Owner – Driver under section III (CSI) - ` 15,00,000

We know you like a little extra!

So, here are the Add-Ons that you have chosen with your policy.

Consumable Expenses Protect Depreciation Protect Engine Protect

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: ZUNO INSURANCE COMPANY LIMITED.

Previous Policy No.: 960499560 Expiry on: 18-Feb-2024

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: K.RAMU & 25 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 Package Insurance | UIN: IRDAN159RP0002V02201819
 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.

· Calculation of Depreciation:
If the loss/damage to your vehicle is partial, here's how we calculate the depreciation (unless its covered in your Add-ons).
- For Rubber/Nylon/Plastic parts, Tyres & Tubes, Batteries and Air Bags: 50%
- For Fibre Glass parts: 30%
- For everything made of glass: Nil
Depreciation for all other parts, including wooden ones, is up to a maximum of 50%, depending on how old the car is. If you need
to have your car painted, depreciation of 50% will apply only on the cost of materials. If you get one combined bill for painting,
we'll consider 25% of the total bill amount as material cost, and apply depreciation on it.
· Use of the vehicle:
The Policy covers the use of the vehicle for any purpose except Motor Trade, Hiring or Reward, Carrying Goods (other than samples
or personal luggage), Organized Racing, Pacemaking, Speed Testing, Reliability 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. However, 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 `7,50,000/ 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 we’d love to cover your vehicle without exception, we can’t. Your policy covers loss to your vehicle only if all the terms are
met.
And any payment we make because of terms appearing in this Schedule, or to comply with the Motor Vehicles Act, 1988, is
recoverable from you.You should definitely read the clause, ‘Avoidance of certain terms and right of recovery’ in your Policy Wording.
Warranted that the Assured named herein/owner of the vehicle insured holds a valid Pollution Under Control (PUC) Certificate on the
date of commencement of the Policy and renews 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 wheels, usage,
tonnage, etc of your vehicle. If any of these details do not match, it will count as fraud, and your policy will stand cancelled right from
the start. If there's any such mistake in your Policy Schedule/Document, let us know within 15 days of getting it.
Subject to EGICG.08 , EGICG.01 , EGICG.02 , IMT - 28 , IMT - 22 Endt. Nos. & Memorandum..... Printed/attached here.
Date of duly signed proposal 19-Feb-2024
In Witness whereof this Policy has been signed at: TELANGANA on this 19th day of Feb 2024
Receipt No.PP954734 Date.. 19-Feb-2024
Consolidated Stamp duty Paid vide Letter of Authorisation No. CSD/03/2023/4268/2023 dated 25-Oct-2023 at General Stamp Office,
Mumbai.
Received premium payment of ` 17,715.83 vide instrument / reference number YPHW2237537146 dated 19-Feb-2024 against
receipt number PP954734
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.: 36AAECE2328J1ZP HSN/SAC Code : 997134
Description of Good or Service : General Insurance Service Place of Supply
State: TELANGANA Code: 36
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 Package Insurance | UIN: IRDAN159RP0002V02201819
Address of Issuing Office: M NO - 7-1-24/1/RT 203,
2ND FLOOR, ROXANA TOWER, GREENLANDS ROAD, For Zuno General Insurance Limited
BEGUMPET, HYDERABAD - 500016
Date of Issue:19/02/2024
Signature Not Verified
Digitally signed by DS ZUNO GENERAL INSURANCE LIMITED 1
Date: 2024.02.19 13:03:15 IST
Reason: Authentication
Location: Mumbai

Authorized Signatory

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Zuno Private Car Package Insurance | UIN: IRDAN159RP0002V02201819
TRANSCRIPT OF THE PROPOSAL
Product Details Valid from (dd-mmm-yyyy) 19/02/2024
Product Name Private Motor Car Multiyear Valid to (dd-mmm-yyyy) 18/02/2025
Product Type Package Policy Fitness Cerficate Valid upto NA
Business Type Renewal Previous History
Proposal Details Date of Purchase NA
Gender Female Vehicle was New or Second Hand at New Car
Proposer Title Mrs. the time of purchase
Proposer Name KOTHAKONDA SHIRISHA Vehicle be used exclusively for NA
Proposer DOB *** Private, Social, Domestic, Pleasure &
H.No.4-8-79/1, MANJEERA
NAGAR, SANGAREDDY,
Proposer Address with Pincode Hyderabad 502001,
Professional Purpose
Telangana
Contact Number 9440075764 Carriage Goods other than sample or NA
Email ID [email protected] personal luggage
PAN Number NA Vehicle in Good Condition (Yes/No) NA
GST Number NA If No (Not in Good Condition) - Details NA
Occupation Low to Medium Has any company, in respect of the NA
Policy Period (OD) risk to which this Proposal relates,
Policy Start Date 19/02/2024 ever
Policy Start Time 00:01:00 A) Declined a proposal, refused NA
Policy End Date 18/02/2025 renewal or terminated insurance
Policy End Time 23:59:59 B) Required an increased premium or NA
Policy Period (3 Year TP) imposed special conditions
Policy Start Date 19/02/2024 Detail if A or B selected as "Yes" NA
Policy Start Time 00:01:00 Previous Insurance Details
18/02/2025 ZUNO INSURANCE
Policy End Date Insurer Name
COMPANY LIMITED.
Policy EndTime 23:59:59 Policy Number 960499560
Policy Period (CPA) Policy Expiry Date 18-Feb-2024
Policy Start Date 19/02/2024 Type of Cover Own Damage Contract
Policy Start Time 00:01:00
Policy End Date 18/02/2025 Claim Lodged NA
Policy EndTime 23:59:59 Claim Year NA
Vehicle Details Number of Claims NA
Registration Number TS15EV0015 Claim Amount NA
Registration Place MEDAK-SANGAREDDY Nominee Details
Registration Date 11/07/2018 Nominee Name K.RAMU
Engine Number D13A5589976 Nominee Age 25 Years
Chassis Number MA3FNEB1S00180767BJ Relation with Proposer Spouse
Vehicle Make MARUTI Date of Birth NA
S-CROSS & SMART NA
Vehicle Model and Variant Name of the Appointee (for Minor)
HYBRID ZETA BS-IV
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 4,05,000.00
Colour BLACK Non Electrical Accessories IDV 0.00
Fuel Type DIESEL Electrical Accessories IDV 0.00
Body Type Saloon Trailer IDV 0.00
Year of Manufacture 2018 Fuel Value (CNG / LPG) IDV 0.00
Transmission Type NA 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

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Zuno Private Car Package Insurance | UIN: IRDAN159RP0002V02201819
 Financier Address Imported Vehicles without Custom
PUC Details Duty
PUC Number Fibre Glass Tanks NO

Vehicle Used for Driving Tuition NO Infirmity Details

Name of Automobile Association NO Involved / Convicted For Causing Any
Membership No Accident/Loss
Date of expiry of membership Pending Prosecutins Details
Annual Mileage Date Of Accident
Voluntary Discount Loss /Cost
Anti-Theft Discount Circumstance Of Accident / Loss
Auto Mobile Association Discount Addon Cover
Vintage Car Consumable Expenses Protect 495.00
Used Confined to Own Premises Key and Locks Protect
Discount NCB Protect
Handicapped Discount Mandatory Deduction Protect
Restricted TPPD Personal Belongings Protect
Owner Driver Yes Depreciation Protect 1,822.50
PA Unnamed Passenger SI Engine Protect 810.00
PA Unnamed Passenger Number Invoice Value Protect
Emergency Medical Expenses
PA Named Passenger Number
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
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
Pay How You Drive
Payment Details
Legal Liability To Paid Drivers `50.00 Payment Mode Net Banking
Legal Liability To Other than Paid Instrument Date 19-Feb-2024
Drivers Instrument / Reference Number YPHW2237537146
Legal Liability To Employee who Premium Amount ` 17,715.83
are not "Workman" Intermediary Details
D2C Insurance Broking Pvt.
Driver Details Intermediary Name Ltd.
Driver Name Intermediary Reference Code 2210001432
Driver Relationship with the Intermediary Contact Number 18004197852
Proposer SELF 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 Servicing Branch Code
or Hearing or any Physical Infirmity

I do not want the physical copy of my policy documents.

I want the physical copy of the policy documents to be sent to my address, as mentioned in the proposal form
* These documents will figure in phyical form unless our system allows 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.'

Zuno General Insurance Limited, (Formerly known as Edelweiss General Insurance Company Limited) Registered Office: 2nd Floor,Tower 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: [email protected], Website: www.hizuno.com, 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 Package Insurance | UIN No:IRDAN159RP0002V02201819
*The information, together with 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: 19/02/2024 Time: 00:01:00
As a go-green initiative, Zuno General Insurance Co. Ltd. shall be sending the policy documents to your e-mail address, as provided by you in
this proposal form.

Zuno General Insurance Limited, (Formerly known as Edelweiss General Insurance Company Limited) Registered Office: 2nd Floor,Tower 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: [email protected], Website: www.hizuno.com, 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.

8
Zuno Private Car Package Insurance | UIN No:IRDAN159RP0002V02201819
 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: M NO - 7-1-24/1/RT 203, 2ND FLOOR, ROXANA TOWER, GREENLANDS ROAD,
BEGUMPET, HYDERABAD - 500016
Product Name: Private Motor Car Multiyear

Policy No.: 402000162198

Office code: 36 Office location: Telangana

Receipt No: PP954734 Receipt generation date/time: 19-Feb-2024

Intermediary/agency name: D2C Insurance Broking

Intermediary/agency code: 2210001432
Pvt. Ltd.
Name of policyholder/financier: Mrs. KOTHAKONDA
Policyholder’s ID: 1000912675
SHIRISHA

Payment received from: KOTHAKONDA SHIRISHA Mode of payment: Net Banking

Instrument/transaction No: YPHW2237537146 Cheque drawn on: -

Instrument date: 19-Feb-2024

Consolidated stamp duty paid vide letter of authorisation No. CSD/483/4320 dated 6-Oct-2022 at General
Stamp Office, Mumbai.

Branch Address: M NO - 7-1-24/1/RT 203, 2ND FLOOR, ROXANA TOWER, GREENLANDS ROAD,
BEGUMPET, HYDERABAD - 500016
Note:Premium amount is inclusive of GST.

Zuno General Insurance Limited, (Formerly known as Edelweiss General Insurance Company Limited) Registered Office: 2nd Floor,Tower 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: [email protected], Website: www.hizuno.com, 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 Package Insurance | UIN: IRDAN159RP0002V02201819