standalone-motor-own-damage-cover-private-cars

HDFC ERGO General Insurance Company Limited
Policy Wordings
Standalone Motor Own Damage Cover - Private Cars
Whereas the insured by a proposal and declaration dated as AGE OF VEHICLE % OF

stated in the Schedule which shall be the basis of this contract DEPRECIATION
and is deemed to be incorporated herein has applied to the
Company for the insurance hereinafter contained and has Exceeding 4 years but not 35%
paid the premium mentioned in the schedule as consideration exceeding 5 years
for such insurance in respect of accidental loss or damage Exceeding 5 year but not 40%
occurring during the period of insurance. exceeding 10 years
NOW THIS POLICY WITNESSETH: Exceeding 10 years 50%
That subject to the terms exceptions and conditions contained 5. Rate of Depreciation for Painting: In the case of painting,
herein or endorsed or expressed hereon; the depreciation rate of 50% shall be applied only on
the material cost of total painting charges. In case of
LOSS OF OR DAMAGE TO THE VEHICLE INSURED a consolidated bill for painting charges, the material
The Company will indemnify the insured against loss or damage component shall be considered as 25% of total painting
to the vehicle insured hereunder and/or its accessories whilst charges for the purpose of applying the depreciation.
thereon The Company shall not be liable to make any payment in
i. by fire explosion self ignition or lightning; respect of:
ii. by burglary housebreaking or theft; (a) consequential loss, depreciation, wear and tear,
mechanical or electrical breakdown failures or breakages;
iii. by riot and strike;
(b) damage to Tyres and Tubes unless the vehicle insured
iv. by earthquake (fire and shock damage);
is damaged at the same time in which case the liability
v. by flood typhoon hurricane storm tempest inundation of the company shall be limited to 50% of the cost of
cyclone hailstorm frost; replacement. And,
vi. by accidental external means; (c) loss of or damage to accessories by burglary
vii. by malicious act; housebreaking or theft unless the vehicle is stolen at the
same time; and
viii. by terrorist activity;
(d) any accidental loss or damage suffered whilst the insured
ix. whilst in transit by road rail inland-waterway lift elevator
or any person driving the vehicle with the knowledge
or air;
and consent of the insured is under the influence of
x. by landslide rockslide. intoxicating liquor or drugs.
Subject to a deduction for depreciation at the rates mentioned In the event of the vehicle being disabled by reason of loss
below in respect of parts replaced; or damage covered under this Policy the Company will bear
1. For all rubber/ nylon/ plastic parts, tyres, tubes and the reasonable cost of protection and removal to the nearest
batteries and air bags - 50% repairer and redelivery to the insured but not exceeding in all
Rs. 1500/- in respect of any one accident.
2. For fiber glass components - 30%
The insured may authorise the repair of the vehicle
3. For all parts made of glass - Nil
necessitated by damage for which the Company may be liable
4. Rate of depreciation for all other parts including wooden under this Policy provided that:
parts will be as per the following schedule:
(a) the estimated cost of such repair including replacements,
AGE OF VEHICLE % OF if any, does not exceed Rs.500/
DEPRECIATION (b) the Company is furnished forthwith a detailed estimate of
Not exceeding 6 months Nil the cost of repairs and
Exceeding 6 months but not 5% (c) the insured shall give the Company every assistance to
exceeding 1 year see that such repair is necessary and the charges are
Exceeding 1 year but not 10% reasonable.
exceeding 2 years
SUM INSURED – INSURED’S DECLARED VALUE (IDV)
Exceeding 2 years but not 15%
exceeding 3 years The Insured’s Declared Value (IDV) of the vehicle will be
Exceeding 3 years but not 25% deemed to be the „SUM INSURED for the purpose of this policy
exceeding 4 years which is fixed at the commencement of each policy period for
the insured vehicle.
HDFC ERGO General Insurance Company Limited. IRDAI Reg. No.146. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor,
HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. UIN: Standalone Motor Own Damage Cover -
Private Cars - IRDAN125RP0001V01201920.
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The IDV of the vehicle (accessories, if any, fitted to the vehicle) 1. any accidental loss or damage and/or liability caused
is to be fixed on the basis of the manufacturer’s listed selling sustained or incurred outside the geographical area;
price of the brand and model as the insured vehicle at the 2. any claim arising out of any contractual liability;
commencement of insurance/renewal and adjusted for
depreciation (as per schedule below). 3. any accidental loss damage and/or liability caused
sustained or incurred whilst the vehicle insured herein is
The schedule of age-wise depreciation as shown below is
applicable for the purpose of Total Loss/Constructive Total a. being used otherwise than in accordance with the
Loss (TL/CTL) claims only. “Limitations as to Use” or
b. being driven by or is for the purpose of being driven
THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF by him/her in the charge of any person other than a
THE VEHICLE Driver as stated in the Driver’s Clause
AGE OF THE VEHICLE % OF DEPRECIATION 4. i. any accidental loss or damage to any property
FOR FIXING IDV whatsoever or any loss or expense whatsoever
Not exceeding 6 months 5% resulting or arising there from or any consequential
loss.
Exceeding 6 months but not 15%
exceeding 1 year ii. any liability of whatsoever nature directly or indirectly
caused by or contributed to by or arising from ionising
Exceeding 1 year but not 20%
radiations or contamination by radioactivity from
exceeding 2 years
any nuclear fuel or from any nuclear waste from
Exceeding 2 years but not 30% the combustion of nuclear fuel. For the purpose of
exceeding 3 years this exception combustion shall include any self-
Exceeding 3 years but not 40% sustaining process of nuclear fission
exceeding 4 years 5. any accidental loss or damage or liability directly or
Exceeding 4 years but not 50% indirectly caused by or contributed to by or arising from
exceeding 5 years nuclear weapons material.
6. any accidental loss damage and/or liability directly or
IDV of vehicles beyond 5 years of age and of obsolete models indirectly or proximately or remotely occasioned by
of the vehicles (i.e. models which the manufacturers have contributed to by or traceable to or arising out of or in
discontinued to manufactured) is to be determined on the connection with war, invasion, the act of foreign enemies,
basis of an understanding between the insurer and the insured. hostilities or war like operations (whether before or after
IDV shall be treated as the “Market Value” throughout the policy declaration of war) civil war, mutiny rebellion, military or
period without any further depreciation for the purpose of Total usurped power or by any direct or indirect consequence of
Loss (TL) / Constructive Total Loss (CTL) claims. any of the said occurrences and in the event of any claim
The insured vehicle shall be treated as CTL if the aggregate hereunder the insured shall prove that the accidental loss
cost of retrieval and / or repair of the vehicle, subject to terms damage and/or liability arose independently of and was in
and conditions of the policy, exceeds 75% of the IDV of the no way connected with or occasioned by or contributed
vehicle. to by or traceable to any of the said occurrences or any
consequences thereof and in default of such proof, the
AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY Company shall not be liable to make any payment in
Nothing in this Policy or any endorsement hereon shall affect respect of such a claim.
the right of any person indemnified by this policy or any DEDUCTIBLE
other person to recover an amount under or by virtue of the
Provisions of the Motor Vehicles Act. The Company shall not be liable for each and every claim
under Section -I (loss of or damage to the vehicle insured) of
But the Insured shall repay to the Company all sums paid by this Policy in respect of the deductible stated in the schedule.
the Company which the Company would not have been liable
to pay but for the said provision. CONDITIONS
This Policy and the Schedule shall be read together and any
APPLICATION OF LIMITS OF INDEMNITY word or expression to which a specific meaning has been
In the event of any accident involving indemnity to more than attached in any part of this Policy or of the Schedule shall bear
one person any limitation by the terms of this Policy and/or the same meaning wherever it may appear
of any Endorsement thereon of the amount of any indemnity 1. Notice shall be given in writing to the Company
shall apply to the aggregate amount of indemnity to all persons immediately upon the occurrence of any accidental loss
indemnified and such indemnity shall apply in priority to the or damage in the event of any claim and thereafter the
insured. insured shall give all such information and assistance
GENERAL EXCEPTIONS as the Company shall require. Every letter claim writ
(Applicable to all sections of the Policy) summons and/or process or copy thereof shall be
forwarded to the Company immediately on receipt by
The Company shall not be liable under this Policy in respect of the insured. Notice shall also be given in writing to the
Company immediately the insured shall have knowledge
Private Cars - IRDAN125RP0001V01201920
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of any impending prosecution, inquest or fatal inquiry in In case there is more than one insurance policy issued to
respect of any occurrence which may give rise to a claim the customer covering the same risk, the Company will
under this Policy. In case of theft or criminal act which may not apply contribution clause.
be the subject of a claim under this Policy the insured shall 7. The due observance and fulfillment of the terms,
give immediate notice to the police and co-operate with conditions and endorsements of this Policy in so far as
the Company in securing the conviction of the offender. they relate to anything to be done or complied with by
2. No admission offer promise payment or indemnity shall be the insured and the truth of the statements and answers
made or given by or on behalf of the insured without the in the said proposal shall be conditions precedent to any
written consent of the Company which shall be entitled liability of the Company to make any payment under this
if it so desires to take over and conduct in the name of Policy.
the insured the defence or settlement of any claim or to 8. In the event of the death of the sole insured, this policy
prosecute in the name of the insured for its own benefit will not immediately lapse but will remain valid for a period
any claim for indemnity or otherwise and shall have of three months from the date of the death of insured or
full discretion in the conduct of any proceedings or in until the expiry of this policy (whichever is earlier).
the settlement of any claim and the insured shall give
all such information and assistance as the Company During the said period, legal heir(s) of the insured to
may require. whom the custody and use of the Motor Vehicle passes
may apply to have this Policy transferred to the name(s) of
3. The Company may at its own option repair reinstate or the heir(s) or obtain a new insurance policy for the Motor
replace the vehicle or part thereof and/or its accessories Vehicle.
or may pay in cash the amount of the loss or damage and
the liability of the Company shall not exceed: Where such legal heir(s) desire(s) to apply for transfer of
this policy or obtain a new policy for the vehicle such heir(s)
a. for total loss/ constructive total loss of the vehicle should make an application to the Company accordingly
-the Insured’s Declared Value (IDV) of the vehicle within the aforesaid period. All such applications should
(including accessories thereon) as specified in the be accompanied by:
Schedule less the value of the wreck.
a) Death Certificate in respect of the insured
b. for partial losses, i.e. losses other than Total Loss/
Constructive Total Loss of the vehicle -actual and b) Proof of title to the vehicle
reasonable costs of repair and/or replacement of c) Original Policy
parts lost/damaged subject to depreciation as per
limits specified. No Claim Bonus during Policy tenure and in case of
Cancellation:
4. The insured shall take all reasonable steps to safeguard
the vehicle from loss or damage and to maintain it in 1) An insured becomes entitled to No Claim Bonus only at
efficient condition and the Company shall have at all the renewal of a policy after the expiry of the full duration
times free and full access to examine the vehicle or any of 12 months.
part thereof or any driver or employee of the insured. In
ALL TYPES OF VEHICLES % OF DISCOUNT
the event of any accident or breakdown, the vehicle shall
ON OWN DAMAGE
not be left unattended without proper precautions being
PREMIUM
taken to prevent further damage or loss and if the vehicle
be driven before the necessary repairs are effected any No claim made or pending during 20%
extension of the damage or any further damage to the the preceding full year of insurance
vehicle shall be entirely at the insured’s own risk. No claim made or pending during 25%
5. Cancellation of Policy - the preceding 2 consecutive years
of insurance
The Insured can cancel the policy at any time during the
policy term, by informing the Company. No claim made or pending during 35%
the preceding 3 consecutive years
The Company can cancel the policy only on the grounds
of insurance
of established fraud, by giving minimum notice of 7 days
to the Insured. No claim made or pending during 45%
The Company shall refund proportion premium for
of insurance
unexpired policy period subject to no claim(s) made during
the policy period. No claim made or pending during 50%
6. If at the time of occurrence of an event that gives rise to
of insurance
any claim under this policy there is in existence any other
insurance covering the same liability, the Company shall Note - Sunset Clause: If at the renewal falling due any time
not be liable to pay or contribute more than its ratable between 1st July 2002 and 30th June 2003, both days
proportion of any compensation, cost or expense. inclusive, (after completion of the full policy period of 12
Multiple policies involving Bank or other lending or months) an insured becomes entitled to an NCB of 55% or
financing entity -
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65% in terms of the Tariff prevailing prior to 1st July 2002, allowing the NCB will be obliged to write to the policy
the entitlement of such higher percentage of NCB will remain issuing office of the previous insurer by recorded delivery
protected for all subsequent renewals till a claim arises under calling for confirmation of the entitlement and rate of NCB
the policy, in which case the NCB will revert to „Nil at the next for the particular insured and the previous insurer shall
renewal. Thereafter, NCB if any earned, will be in terms of the be obliged to provide the information sought within 30
above table. days of receipt of the letter of enquiry failing which the
a) The percentage of applicable NCB is to be computed on matter will be treated as a breach of Tariff on the part of
the Own Damage premium required for renewal of the the previous insurer. Failure of the insurer granting the
insurance after deducting any rebate in respect of “Vehicle NCB to write to the previous insurer within 21 days after
Laid Up” under the policy. If the policy period has been granting the cover will also constitute a breach of the Tariff.
extended in lieu of the rebate for the lay up of the vehicle, e) If an insured vehicle is sold and not replaced immediately,
as per „Vehicle Laid Up Regulation, such extended period or laid up, and the policy is not renewed immediately
shall be deemed to have been part of the preceding year after expiry, NCB, if any, may be granted on a subsequent
of insurance. insurance, provided such fresh insurance is effected within
b) The entitlement of NCB shall follow the fortune of the 3 (three) years from the expiry of the previous insurance.
original insured and not the vehicle or the policy. In the The rate of NCB applicable to the fresh policy shall be
event of transfer of interest in the policy from one insured that earned at the expiry of the last 12 months period of
to another, the entitlement of NCB for the new insured will insurance.
be as per the transferee s eligibility following the transfer f) On production of evidence of having earned NCB abroad,
of interest. an insured may be granted NCB on a new policy taken
It is however, clarified that the entitlement of No Claim out in India as per entitlement earned abroad, provided
Bonus will be applicable for the substituted vehicle subject the policy is taken out in India within three years of expiry
to the provision that the substituted vehicle on which of the overseas insurance policy, subject to relevant
the entitled NCB is to be applied is of the same class (as provisions of NCB under these rules.
per this tariff) as the vehicle on which the NCB has been g) Except as provided in Rule (e), no NCB can be allowed
earned. when a policy is not renewed within 90 days of its expiry.
Provided that where the insured is an individual, and on h) Except as provided in Rules (e), (f) and (g) above, NCB
his/ her death the custody and use of the vehicle pass to is to be allowed only when the vehicle has been
his/her spouse and/or children and/or parents, the NCB insured continuously for a period of 12 months without
entitlement of the original insured will pass on to such any break.
person/s to whom the custody and use of the vehicle pass.
Claims process
c) The percentage of NCB earned on a vehicle owned by an
institution during the period when it was allotted to and A) Claim Intimation
exclusively operated by an employee should be passed 1 The claims Intimation is done through call center.
on to the employee if the ownership of the vehicle is Location and caller details are entered in the Claims
transferred in the name of the employee. This will however processing system. The policy number, date & time
require submission of a suitable letter from the employer of accident, short details of accident & driver details
confirming that prior to transfer of ownership of the are captured in claims processing system.
vehicle to the employee, it was allotted to and exclusively 2 A unique claim reference no is generated and is
operated by the employee during the period in which the communicated to the insured. This reference number
NCB was earned. is used for further claims related communication.
d) In the event of the insured, transferring his insurance 3 On receipt of such a communication, the Company
from one insurer to another insurer, the transferee insurer shall respond immediately and give clear information
may allow the same rate of NCB which the insured would to the insured on the procedures that he/she should
have received from the previous insurer. Evidence of the follow.
insured’s NCB entitlement either in the form of a renewal
notice or a letter confirming the NCB entitlement from the B) Survey of loss
previous insurer will be required for this purpose. 1. Surveyor is assigned on immediate basis and in any
Where the insured is unable to produce such evidence case within 72 hours of the receipt of intimation from
of NCB entitlement from the previous insurer, the claimed the insured.
NCB may be permitted after obtaining from the insured a 2. The Claim details are intimated to surveyor through
declaration as per the following wording: SMS & email. All the details of the appointment of
“I / We declare that the rate of NCB claimed by me/us surveyor, including the role, duties and responsibilities
is correct and that no claim as arisen in the expiring of the surveyor are sent to the insured by letter, email
policy period (copy of the policy enclosed). I/We or any other electronic form immediately after the
further undertake that if this declaration is found to appointment of the surveyor.
be incorrect, all benefits under the policy in respect 3. The Surveyor will co-ordinate with the Insured and
of Section I of the Policy will stand forfeited.” if the vehicle is already in the workshop, surveyor
Notwithstanding the above declaration, the insurer
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will visit the workshop within 4 working hours control of the insured shall not be condoned where such claims
of Intimation, in any case within 48 hours of his would have otherwise been rejected even if reported in time.
appointment. Surveyor shall within 7 days of the
claim intimation, inform the insured of the essential Fraud
documents and other requirements that the insured This policy shall be voidable at the option of the Company in the
should submit in support of the claim. Where event of mis-representation, mis-description or non-disclosure
documents are available in public domain or with a of any material particulars by the Proposer. Any person who,
public authority, the surveyor shall obtain them. knowingly and with intent to defraud the insurance company or
a) Claim Form any other person, files a proposal for insurance containing any
false information, or conceals for the purpose of misleading,
b) Registration Certificate
Information concerning any fact material thereto, commits a
c) Driving License d) Policy Copy fraudulent insurance act, which will render the policy voidable
e) Estimate of Repairs at the sole discretion of the insurance company and result in
f) AML Documents (if required) a denial of insurance benefits.
g) Job Card Copy (in case of Add-on cover taken
for loss of use ) ENDORSEMENT WORDINGS
4. The Surveyor assesses the loss based and shares an IMT.1. EXTENSION OF GEOGRAPHICAL AREA
interim report with the Company within the shortest time In consideration of the payment of an additional premium of
but not later than 15 days from the date of first visit. Rs….it is hereby understood and agreed that notwithstanding
5. If the insured is unable to furnish all the particulars anything contained in this Policy to the contrary the
required by the surveyor or where the surveyor does Geographical Area in this Policy shall from the . ./. ./. . . to …/.
not receive the full cooperation of the insured, the ./....... (both days inclusive) be deemed to include *
surveyor shall inform the Company about the delay It is further specifically understood and agreed that such
they may result in the assessment of the claim. geographical extension excludes cover for damage to the
Insured shall be intimated about the delay by the vehicle insured / injury to its occupants / third party liability in
Company or the surveyor. respect of the vehicle insured during sea voyage / air passage
6. The surveyor shall submit a report with within 30 days for the purpose of ferrying the vehicle insured to the extended
to the Company. In case of any exception in terms geographical area.
or circumstances or any difficulty associated with Subject otherwise to the terms exceptions conditions and
replacement/reinstatement, the surveyor can seek limitations of this Policy.
for an extension from the Company for submission
*Insert Nepal, Sri Lanka, Maldives, Bhutan, Pakistan,
of his report.
Bangladesh as the case may be
7. Once the final survey report is furnished with all
required information/documents that are relevant IMT.2. AGREED VALUE CLAUSE (APPLICABLE ONLY TO
and necessary for settlement of claim, the Company VINTAGE CARS)
settle the claim. It is hereby declared and agreed that in case of TOTAL
8. In case, the claim is rejected, the Company shall give LOSS/CONSTRUCTIVE TOTAL LOSS of the Vintage Car
the reasons for the same in writing drawing reference insured hereunder due to a peril insured against, the amount
to the specific terms and conditions of the policy payable will be the Insured s Declared Value (IDV) of the
document. vehicle as mentioned in the Policy without deduction of any
depreciation. It is further declared and agreed that in case of
CLAIMS INTIMATION partial loss to the vehicle, depreciation on parts replaced will
In the event of loss due to an insured event the insurance be as stated in Section I of the Policy. Subject otherwise to
company must be informed immediately. the terms exceptions conditions and limitations of this Policy.
Our contact details are as follows: IMT.3. TRANSFER OF INTEREST
Toll Free Helpline 022-6234-6234 It is hereby understood and agreed that as from …/…/……. the
For claim amount, KYC documents as below are mandatory interest in the Policy is transferred to and vested in ……….... of
………………. carrying on or engaged in the business or profession
1) PAN Card
of ……………. who shall be deemed to be the Insured and whose
2) Aadhar Card proposal and declaration dated.. /…/…. shall be deemed to be
3) Any other supporting document incorporated in and to be the basis of this contract.
Provided always that for the purpose of the No Claim Bonus,
Condonation of Delay
no period during which the interest in this Policy has been
The Company may condone delay in claim intimation/ vested in any previous insured shall accrue to the benefit of
document submission on merit, where it is proved that delay Subject otherwise to the terms exceptions conditions and
in reporting of claim or submission of claim documents, is due limitations of this Policy.
to reasons beyond the control of the insured.
Notwithstanding the above, delay in claim intimation or
submission of claim documents due to reasons beyond the
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IMT.4. CHANGE OF VEHICLE cannot be made good by repair and / or replacement of parts
It is hereby understood and agreed that as from …/…../ …... the and such monies shall be paid
vehicle bearing Registration Number ................. is deemed to be to the Pledgee as long as they are the Pledgee of the vehicle
deleted from the Schedule of the Policy and the vehicle with insured and their receipt shall be a full and final discharge to
details specified hereunder is deemed to be included therein- the Company in respect of such loss or damage. It is further
declared and agreed that for the purpose of the Personal
Regd. Engine/ Make Type of C.C. Year of Seating IDV Accident Cover for the owner-driver granted under this Policy,
No. Chassis Body Manu- Capacity the insured named in the Policy will continue to be deemed
No. facture including as the owner-driver subject to compliance of provisions of the
Driver Policy relating to this cover.
Save as by this Endorsement expressly agreed that nothing
herein shall modify or affect the rights or liabilities of the Insured
In consequence of this change, an extra / refund premium of or the Company respectively under or in connection with this
Rs… ...... is charged/ allowed to the insured. Policy or any term, provision or condition thereof.
Subject otherwise to the terms exceptions conditions and Subject otherwise to the terms exceptions conditions and
limitations of this Policy. limitations of this Policy.
IMT.6. LEASE AGREEMENT IMT.8. DISCOUNT FOR MEMBERSHIP OF RECOGNISED

AUTOMOBILE ASSOCIATIONS (Private Cars and Motorised
It is hereby understood and agreed that …… (hereinafter Two Wheelers Only)
referred to as the Lessors) are the Owners of the vehicle
It is hereby understood and agreed that in consideration of
insured and that the vehicle insured is the subject of a Lease
Insured s membership of …………………...** a discount in premium
Agreement made between the Lessor on the one part and
of Rs………* is allowed to the Insured hereunder from ../../…. It
the Insured on the other part and it is further understood and
is further understood and agreed that if the Insured ceases to
agreed that the Lessors are interested in any monies which but
be a member of the above mentioned association during the
for this Endorsement would be payable to the Insured under
currency of this Policy, the Insured shall immediately notify
this Policy in respect of such loss or damage to the vehicle
the Company accordingly and refund to the Company, a
insured as cannot be made good by repair and / or replacement
proportionate amount of the discount allowed on this account
of parts and such monies shall be paid to the Lessors as long
for the unexpired period of the cover.
as they are the Owners of the vehicle insured and their receipt
shall be a full and final discharge to the Company in respect Subject otherwise to the terms exceptions conditions and
of such loss or damage. It is also understood and agreed that limitations of this Policy.
notwithstanding any provision in the Leasing Agreement to the * For full Policy period, the full tariff discount to be inserted. For
contrary, this Policy is issued to the insured namely ........... as the mid-term membership, pro-rata proportion of the tariff discount
principal party and not as agent or trustee and nothing herein for the unexpired Policy period to be inserted.
contained shall be construed as constituting the Insured an ** Insert name of the concerned Automobile Association.
agent or trustee for the Lessors or as an assignment (whether
legal or equitable) by the Insured to the Lessors, of his rights IMT.9. DISCOUNT FOR VINTAGE CARS (Applicable to Private
benefits and claims under this Policy and further nothing herein Cars only)
shall be construed as creating or vesting any right in the Owner/ It is hereby understood and agreed that in consideration of
Lessor to sue the Company in any capacity whatsoever for any the insured car having been certified as a Vintage Car by the
alleged breach of its obligations hereunder. Vintage and Classic Car Club of India, a discount of Rs. ……….*
It is further declared and agreed that for the purpose of the is allowed to the insured from …./…../…… Subject otherwise to
Personal Accident Cover for the owner-driver granted under the terms exceptions conditions and limitations of the policy
this Policy, the Insured named in the Policy will continue to *Amount calculated as per tariff provision is to be inserted. For
be deemed as the owner-driver subject to compliance of mid-term certification as Vintage Car pro-rata proportion of tariff
provisions of the Policy relating to this cover. discount for the unexpired period is to be inserted.
Save as by this Endorsement expressly agreed nothing herein
IMT.10. INSTALLATION OF ANTI-THEFT DEVICE (Not
shall modify or affect the rights and liabilities of the Insured
applicable to Motor Trade Policies)
or the Company respectively under or in connection with
this Policy. In consideration of certification by …………………* that an Anti-
Subject otherwise to the terms exceptions conditions and Theft device approved by Automobile Research Association
limitations of this Policy. of India (ARAI), Pune has been installed in the vehicle insured
herein a premium discount of Rs ............. ** is hereby allowed
IMT.7. VEHICLES SUBJECT TO HYPOTHECATION to the Insured.
AGREEMENT It is hereby understood and agreed that the Insured shall
It is hereby declared and agreed that the vehicle insured is ensure at all times that this Anti-theft device installed in the
pledged to / hypothecated with ……(hereinafter referred to as vehicle insured is maintained in efficient condition till the
the “Pledgee”) and it is further understood and agreed that expiry of this Policy.
the “Pledgee” is interested in any monies which but for this
Subject otherwise to the terms, exceptions, conditions and
Endorsement would be payable to the Insured under this Policy
limitations of the Policy
in respect of such loss or damage to the vehicle insured as
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* The name of the certifying Automobile Association is to be limitations of this Policy.
inserted. NB.1. In case of Liability Only Policies the words in CAPITALS
** Premium discount calculated as per tariff provision is to be should be deleted.
inserted. For mid-term certification of installation of Anti Theft NB.2. In case of policies covering Liability Only and
device pro-rata proportion of tariff discount for the unexpired
period is to be inserted. a. Fire risks, the words “BURGLARY HOUSEBREAKING OR
THEFT” are to be deleted;
IMT. 11.A. Vehicle Laid Up(Lay up period declared) b. Theft risks, the words “FIRE EXPLOSION SELF IGNITION
Notwithstanding anything to the contrary contained herein OR LIGHTNING” are to be deleted.
it is hereby understood and agreed that from …/ …/….. to…/ c. Fire and Theft risks no part of the words in capitals are to
…./….. the vehicle insured is laid up in garage and not in use be deleted.
and during this period all liability of the insurer under this
policy in respect of the vehicle insured is suspended SAVE IMT.11(C). Termination of the UNDECLARED Period of Vehicle
ONLY IN RESPECT OF LOSS OR DAMAGE TO THE SAID Laid up.
VEHICLE CAUSED BY FIRE EXPLOSION SELF IGNITION OR It is hereby understood and agreed that the insurance by this
LIGHTNING OR BURGLARY, HOUSEBREAKING, THEFT OR Policy in respect of vehicle no. ……….. insured hereunder is
RIOT STRIKE MALICIOUS DAMAGE TERRORISM OR STORM reinstated in full from ……./……/……and the Endorsement IMT 11(B)
TEMPEST FLOOD INUNDATION OR EARTHQUAKE PERILS, in attaching to this policy shall be deemed to be cancelled. It is
consideration whereof further agreed that in consideration of the period during which
a. # the insurer will deduct from the next renewal premium the vehicle no. .......................... has been out of use.
the sum of Rs………* and the No Claim Bonus (if any) shall be a. #The insurer will deduct from the next renewal premium
calculated on the next renewal premium after deduction the sum of Rs………* and the No Claim Bonus (if any) shall be
of such sum. calculated on the next renewal premium after deduction
b. # the period of insurance by this policy is extended to of such sum.
.…./…../……. In view of the payment of an additional premium b. # the period of insurance by this policy is extended to
of Rs ............ ** .…./…../……. In view of the payment of an additional premium
Subject otherwise to the terms exceptions conditions and of Rs ............ **
limitations of this policy. Subject otherwise to the terms exceptions conditions and
NB.1. # To delete (a) or (b) as per option exercised by the limitations of this policy.
insured. NB.1. # To delete (a) or (b) as per option exercised by the
NB.2. *The proportionate full policy premium for the period of insured.
lay up less the proportionate premium for the Fire and /or Theft NB.2. * The proportionate full policy premium for the period
risks for the lay up periods is to be inserted. of lay up less the proportionate premium for the Fire and /or
NB.3. ** The proportionate premium required for Fire and / Theft risks for the lay up periods is to be inserted.
or Theft cover for the vehicle for the laid – up period is to NB.3. ** The proportionate premium required for Fire and /
be inserted. or Theft cover for the vehicle for the laid – up period is to
NB.4. In case of Liability Only Policies the words in CAPITALS be inserted.
should be deleted.
IMT.12.DISCOUNT FOR SPECIALY DESIGNED/MODIFIED
NB.5. In case of policies covering Liability Only and VEHICLES FOR THE BLIND, HANDICAPPED AND MENTALLY
a. Fire risks, the words “BURGLARY HOUSEBREAKING OR CHALLENGED PERSONS
THEFT” are to be deleted; Notwithstanding anything to the contrary contained in the
b. Theft risks, the words “FIRE EXPLOSION SELF IGNITION Policy it is hereby understood and agreed that the vehicle
OR LIGHTNING” are to be deleted. insured being specially designed /modified for use of blind,
c. Fire and Theft risks no part of the words in capitals are to handicapped and mentally challenged persons and suitable
be deleted. endorsement to this effect having been incorporated in the
Registration Book by the Registering Authority, a discount of
IMT. 11. B. Vehicle Laid Up (Lay up period not declared) 50% on the Own Damage premium for the vehicle insured is
Notwithstanding anything to the contrary contained herein hereby allowed to the Insured.
it is hereby understood and agreed that as from ….. / ….. /….. Subject otherwise to the terms exceptions conditions and
the vehicle no. …………insured hereunder is laid up in garage limitations of the Policy.
and not in use and liability of the insurer under this policy
in respect of the said vehicle is suspended SAVE ONLY IN IMT.13. USE OF VEHICLE WITHIN INSURED S OWN
RESPECT OF LOSS OR DAMAGE TO THE SAID VEHICLE PREMISES (Applicable to all classes except as otherwise
CAUSED BY FIRE EXPLOSION SELF-IGNITION OR LIGHTNING provided in the tariff )
OR BURGLARY, HOUSEBREAKING, THEFT OR RIOT STRIKE It is hereby understood and agreed that the insurer shall not be
MALICIOUS DAMAGE TERRORISM OR STORM TEMPEST liable in respect of the vehicle insured while the vehicle is being
FLOOD INUNDATION OR EARTHQUAKE PERILS. used elsewhere than in the insured’s premises except where
Subject otherwise to the terms exceptions conditions and
7
the vehicle is specifically required for a mission to fight a fire. to pay compensation on the scale provided below for bodily
For the purposes of this endorsement “Use confined to own injuries hereinafter defined sustained by any passenger other
premises shall mean use only on insured s premises to which than the Insured and/or the paid driver, attendant or cleaner
public have no general right of access. and/or a person in the employ of the Insured coming within
the scope of the Workmen s Compensation Act, 1923 and
IMT.15. PERSONAL ACCIDENT COVER TO THE INSURED subsequent amendments of the said Act and engaged in
OR ANY NAMED PERSON OTHER THAN PAID DRIVER and upon the service of the Insured at the time such injury is
OR CLEANER (Applicable to private cars including three sustained whilst mounting into, dismounting from or travelling
wheelers rated as private cars and motorized Two-wheelers in the insured motor car and caused by violent accidental
with or without side car <not for hire or reward>) external and visible means which independently of any other
In consideration of the payment of an additional premium, it is cause shall within three calendar months of the occurrence of
hereby agreed and understood that the Company undertakes such injury result in:-
to pay compensation on the scale provided below for bodily
injury as hereinafter defined sustained by the Insured person in Details of Injury Scale of
direct connection with the vehicle insured, or whilst mounting Compensation
and dismounting from or travelling in the vehicle insured and i) Death 100%
caused by violent accidental external and visible means which
independently of any other cause shall within six calendar ii) Loss of two limbs or sight of two eyes 100%
months of the occurrence of such injury result in:- or one limb and sight of one eye
Details of Injury Scale of iii) Loss of one limb or sight of one eye 50%
Compensation iv) Permanent Total Disablement from 100%
i) Death 100% injuries other than named above
ii) Loss of two limbs or sight of two eyes 100% Provided always that:
or one limb and sight of one eye
1) compensation shall be payable under only one of the items
iii) Loss of one limb or sight of one eye 50% (i) to (iv) above in respect of any such person arising out
iv) Permanent Total Disablement from 100% of any one occurrence and total liability of the Company
injuries other than named above shall not in the aggregate exceed the sum of Rs. * during
any one period of insurance in respect of any such person.
Provided always that:
2) no compensation shall be payable in respect of death
1) compensation shall be payable under only one of the items or injury directly or indirectly wholly or in part arising or
(i) to (iv) above in respect of any such person arising out resulting from or traceable to (a) intentional self injury,
of any one occurrence and total liability of the Company suicide or attempted suicide physical defect or infirmity
shall not in the aggregate exceed the sum of Rs. * during or (b) an accident happening whilst such person is under
any one period of insurance in respect of any such person. the influence of intoxicating liquor or drugs.
2) no compensation shall be payable in respect of death 3) such compensation shall be payable only with the approval
or injury directly or indirectly wholly or in part arising or of the Insured named in the Policy and directly to the
resulting from or traceable to (a) intentional self injury, injured person or his/her legal representative(s) whose
suicide or attempted suicide physical defect or infirmity receipt shall be a full discharge in respect of the injury of
or (b) an accident happening whilst such person is under such person.
the influence of intoxicating liquor or drugs.
4) not more than …** persons/passengers are in the vehicle
3) such compensation shall be payable only with the approval insured at the time of occurrence of such injury.
of the Insured named in the Policy and directly to the
injured person or his/her legal representative(s) whose Subject otherwise to the terms exceptions conditions and
receipt shall be a full discharge in respect of the injury of limitations of this Policy.
such person. * The Capital Sum Insured (CSI) per person is to be inserted.
Subject otherwise to the terms exceptions conditions and ** The registered sitting capacity of the vehicle insured to be
limitations of this Policy. inserted.
* The Capital Sum Insured (CSI) per person is to be inserted. IMT.17. PERSONAL ACCIDENT COVER TO PAID DRIVERS,
IMT.16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS CLEANERS AND CONDUCTORS:
OTHER THAN INSURED AND THE PAID DRIVER OR (Applicable to all classes of vehicles)
CLEANER (For Vehicles rated as Private Cars and Motorised In consideration of the payment of an additional premium, it is
Two Wheelers <not for hire or reward> with or without side hereby understood and agreed that the Company undertakes
car) to pay compensation on the scale provided below for bodily
In consideration of the payment of an additional premium, it is injury as hereinafter defined sustained by the paid driver/
hereby understood and agreed that the Company undertakes cleaner/conductor in the employ of the Insured in direct
connection with the vehicle insured whilst mounting into
8
dismounting from or travelling in the insured vehicle and b) the reasonable cost of fitting such parts.
caused by violent accidental external and visible means which Subject otherwise to the terms conditions limitations and
independently of any other cause shall within six calendar exceptions of this Policy.
months of the occurrence of such injury result in :-
* Insert “Condition 3” in the case of the Private Car and
Details of Injury Scale of Motorised Two Wheeler Policies and “Condition 4” in the case
Compensation of Commercial Vehicles Policy.
i) Death 100% IMT.20. REDUCTION IN THE LIMIT OF LIABILITY FOR

PROPERTY DAMAGE
ii) Loss of two limbs or sight of two eyes 100%
It is hereby understood and agreed that notwithstanding
or one limb and sight of one eye
anything to the contrary contained in the Policy the Company
iii) Loss of one limb or sight of one eye 50% s liability is limited to Rs. 6000/- (Rupees six thousand only) for
damage to property other than the property belonging to the
iv) Permanent Total Disablement from 100% Insured or held in trust or in custody or control of the Insured In
injuries other than named above consideration of this reduction in the limit of liability a reduction
in premium of Rs…..* is hereby made to the Insured.
Provided always that:
Subject otherwise to the terms conditions limitations and
1) compensation shall be payable under only one of the items
exceptions of the Policy.
(i) to (iv) above in respect of any such person arising out
of any one occurrence and total liability of the Company *To insert Rs.50 for Two wheelers, Rs.100 for private cars, Rs.150
shall not in the aggregate exceed the sum of Rs. * during for Commercial Vehicles – three wheelers and taxis or Rs.200
any one period of insurance in respect of any such person. for Commercial Vehicles (excluding three wheelers and taxis).
2) no compensation shall be payable in respect of death IMT.22. COMPULSORY DEDUCTIBLE (Applicable to Private
or injury directly or indirectly wholly or in part arising or Cars, three wheelers rated as private cars, all motorized two
resulting from or traceable to (a) intentional self injury wheelers, taxis, private car type vehicle plying for public/
suicide or attempted suicide physical defect or infirmity private hire, private type taxi let out on private hire)
or (b) an accident happening whilst such person is under
Notwithstanding anything to the contrary contained in the
the influence of intoxicating liquor or drugs.
Policy it is hereby understood and agreed that the Insured
3) such compensation shall be payable only with the approval shall bear under Section I of the Policy in respect of each
of the Insured named in the Policy and directly to the and every event (including event giving rise to a total loss/
injured person or his/her legal representative(s) whose constructive total loss) the first Rs. *(or any less expenditure
receipt shall be a full discharge in respect of the injury of which may be incurred) of any expenditure for which provision
such person. has been made under this Policy and/or of any expenditure by
Subject otherwise to the terms exceptions conditions and the Company in the exercise of his discretion under Condition
limitations of this Policy. no …** of this Policy.
* The Capital Sum Insured (CSI) per person is to be inserted. If the expenditure incurred by the Company shall include
any amount for which the Insured is responsible hereunder
IMT.19. COVER FOR VEHICLES IMPORTED WITHOUT such amount shall be repaid by the Insured to the Company
CUSTOMS DUTY forthwith.
Notwithstanding anything to the contrary contained in this For the purpose of this Endorsement the expression “event”
Policy it is hereby understood and agreed that in the event of shall mean an event or series of events arising out of one
loss or damage to the vehicle insured and/or its accessories cause in connection with the vehicle insured in respect of
necessitating the supply of a part not obtainable from stocks which indemnity is provided under this Policy.
held in the country in which the vehicle insured is held for
Subject otherwise to the terms conditions limitations and
repair or in the event of the Company exercising the option
exceptions of this Policy.
under ………., * to pay in cash the amount of the loss or damage
the liability of the Company in respect of any such part shall * (i) to insert amount as appropriate to the class of vehicle
be limited to :- insured as per GR.40 of the tariff.
a) (i) the price quoted in the latest catalogue or the price (ii) in respect of a vehicle rated under the Tariff for Private
list issued by the Manufacturer or his Agent for the Car and in respect of a motorised two wheeler not carrying
country in which the vehicle insured is held for repair passengers for hire or reward, if any deductible in addition
less depreciation applicable; to the compulsory deductible provided in this endorsement
is voluntarily borne by the Insured, the sum representing the
OR
aggregate of the compulsory and the voluntary deductibles
(ii) if no such catalogue or price list exists the price is to be inserted.
list obtaining at the Manufacturer’s Works plus the
** to insert Condition no 3 in respect of a vehicle rated under
reasonable cost of transport otherwise than by air
Tariff for Private Car / Two wheelers or Condition no 4 in respect
to the country in which the vehicle insured is held
of a vehicle rated under the Tariff for Commercial Vehicles.
for repair and the amount of the relative import duty
less depreciation applicable under the Policy; and IMT.22A. VOLUNTARY DEDUCTIBLE (For Private Cars/
9
motorized two wheelers other than for hire or reward) to the CNG/LPG kit fitted in the vehicle insured arising from an
It is hereby declared and agreed that the Insured having opted accidental loss or damage to the vehicle insured, subject to
a voluntary deductible of Rs………..*, a reduction in premium the limit of the Insured’s Declared Value of the CNG/LPG kit
of Rs ……..** under Section I of the Policy is hereby allowed. specified in the Schedule of the Policy.
In consideration of the above, it is hereby understood and Subject otherwise to the terms conditions limitations and
agreed that the insured shall bear under Section I of the Policy exceptions of this Policy.
in respect of each and every event (including event giving rise * To insert sum arrived at in terms of G.R.42.
to a total loss/constructive total loss) the first Rs. *** (or any less
expenditure which may be incurred) of any expenditure for IMT.26. FIRE AND/OR THEFT RISKS ONLY (Not applicable for
which provision has been made under this Policy and/or of any Miscellaneous and Special Types of vehicles rateable under
expenditure by the Company in the exercise of its discretion Class -D and Motor Trade Policies under Classes- E, F and G
under Condition no …# of this Policy. of the Commercial Vehicles Tariff)
If the expenditure incurred by the Company shall include Notwithstanding anything to the contrary contained in the
any amount for which the Insured is responsible hereunder Policy it is hereby understood and agreed that Section III
such amount shall be repaid by the Insured to the Company of the Policy is deemed to be cancelled and under Section
forthwith. I thereof the Company shall only be liable to indemnify the
Insured against loss or damage by fire explosion self ignition
For the purpose of this Endorsement the expression “event” lightning and/or burglary housebreaking theft and riot strike
shall mean an event or series of events arising out of one malicious damage terrorism storm tempest flood inundation
cause in connection with the vehicle insured in respect of and earthquake perils whilst the vehicle is laid up in garage
which indemnity is provided under this Policy. and not in use.
Subject otherwise to the terms conditions limitations and Subject otherwise to the terms conditions limitations and
exceptions of this Policy. exceptions of this Policy.
* to insert voluntary deductible amount opted by the Insured NB. (i) In case of Fire Risk only, the words “burglary
under tariff for Private Car / Tariff for motorised two wheelers. housebreaking theft” is to be deleted.
** to insert appropriate amount relating to the voluntary NB. (ii) In case of Theft Risk only, the words “fire explosion
deductible opted as per the provision of the tariff for Private self ignition lightning riot strike malicious damage terrorism
car / tariff for motorised two wheelers *** to insert aggregate storm tempest flood inundation and earthquake perils” are
amount of voluntary deductible opted and the compulsory to be deleted.
deductible applicable to the vehicle insured as in G.R 40
# to insert Policy condition No. 3 of the tariff for private car / IMT.27. LIBILITY AND FIRE AND / OR THEFT (Not applicable
tariff for motorised two wheelers for Miscellaneous and Special Types of vehicles rateable
under Class –D of the Tariff for Commercial Vehicles)
IMT.24. ELECTRICAL / ELECTRONIC FITTINGS (Items fitted Notwithstanding anything to the contrary contained in the
in the vehicle but not included in the manufacturer’s listed Policy it is hereby understood and agreed that Section I of
selling price of the vehicle – Package Policy only) the Policy the Company shall not be liable thereunder except
In consideration of the payment of additional premium of in respect of loss or damage by fire explosion self ignition
Rs………, notwithstanding anything to the contrary contained lightning and/or burglary housebreaking theft and riot strike
in the Policy it is hereby understood and agreed that the malicious damage terrorism storm tempest flood inundation
Company ill indemnify the Insured against loss of or damage and earthquake perils.
to such electrical and/or electronic fitting(s) as specified in the Subject otherwise to the terms conditions limitations and
Schedule whilst it/these is/are fitted in or on the vehicle insured exceptions of the Policy.
where such loss or damage is occasioned by any of the perils
mentioned in Section I of the Policy. NB. (i) In case of Liability and Fire Risks only, the words “burglary
housebreaking theft” is to be deleted.
The Company shall, however, not be liable for loss of or
damage to such fitting(s) caused by/as a result of mechanical NB. (ii) In case of Liability and Theft Risks only, the words “fire
or electrical breakdown. Provided always that the liability of the explosion self ignition lightning riot strike malicious damage
Company hereunder shall not exceed the Insured’s Declared terrorism storm tempest flood inundation and earthquake
Value (IDV) of the item. perils” are to be deleted.
Subject otherwise to the terms conditions limitations and IMT.28. LEGAL LIBILITY TO PAID DRIVER AND/OR
exceptions of this Policy. C O N D U C TO R A N D / O R C L E A N E R E M P LOY E D I N
CONNECTION WITH THE OPERATION OF INSURED
IMT.25. CNG / LPG KIT IN BI-FUEL SYSTEM (Own Damage VEHICLE (For all Classes of vehicles)
cover for the kit)
In consideration of an additional premium of Rs. 50/-
In consideration of the payment of premium of Rs……………* notwithstanding anything to the contrary contained in the Policy
notwithstanding anything to the contrary contained in the it is hereby understood and agreed that the Company shall
Policy it is hereby understood and agreed that the Company indemnify the insured against the Insured s legal liability under
will indemnify the Insured in terms conditions limitations and the Employee Compensation Act, 2010, the Fatal Accidents
exceptions of Section I of the Policy against loss and/or damage
10
Act, 1855 or at Common Law and subsequent amendments is hereby understood and agreed that the indemnity granted
of these Acts prior to the date of this Endorsement in respect by this policy shall extend to apply to the Trailer (Registration
of personal injury to any paid driver and/or conductor and/or No.) Provided always that,
cleaner whilst engaged in the service of the Insured in such *a. the IDV of such Trailer shall be deemed not to exceed...*
occupation in connection with the vehicle insured herein and b. the term “Trailer” shall not include its contents or anything
will in addition be responsible for all costs and expenses contained thereon.
incurred with its written consent.
c. such indemnity shall not apply in respect of death or bodily
Provided always that: injury to any person being conveyed by the said Trailer
1) this Endorsement does not indemnify the Insured in otherwise than by reason of or in pursuance of a contract
respect of any liability in cases where the Insured holds or of employment.
subsequently effects with any insurer or group of insurers Subject otherwise to the terms, conditions limitations and
a Policy of Insurance in respect of liability as herein defined exceptions of this policy.
for Insured s general employees; * Delete in the case of Liability to the public risks only policies.
2) the Insured shall take reasonable precautions to prevent ** Insert value of trailer as declared at inception of insurance
accidents and shall comply with all statutory obligations; or any renewal thereof.
3) the Insured shall keep record of the name of each paid
driver conductor cleaner or persons employed in loading IMT.31. RELIABILITY TRIALS AND RALLIES (Private Cars and
and/or unloading and the amount of wages and salaries Motorised Two Wheelers Only)
and other earnings paid to such employees and shall at In consideration of the payment of an additional premium it is
all times allow the Company to inspect such records on hereby understood and agreed that in the indemnity granted
demand. by this Policy is extended to apply whilst the vehicle insured
4) in the event of the Policy being cancelled at the request is engaged in ……………………….* to be held at ............................. **
of the Insured no refund of the premium paid in respect on or about the date of ../../…. under the auspices of ..............
of this Endorsement will be allowed. ......................... #
Subject otherwise to the terms conditions limitations and Provided that –
exceptions of the Policy except so far as necessary to meet a) No indemnity shall be granted by this Endorsement to ...
the requirements of the Motor Vehicles Act, 1988. ......................................... #
*In case of Private cars/ motorised two wheelers (not used for b) This Policy does not cover use for organised racing, pace
hire or reward) delete this para. making, or speed testing.
IMT.29.LEGAL LIBILITY TO EMPLOYEES OF THE INSURED c) During the course of the ............ *, the Company shall not
OTHER THAN PAID DRIVER AND / OR CONDUCTOR AND be liable in respect of death of or bodily injury to any
/ OR CLEANER WHO MAY BE TRAVELLING OR DRIVING IN person being carried in or upon or entering or getting on
THE EMPLOYER’S CAR (Private Car’s only/ Motorised two to or alighting from the vehicle insured at the time of the
wheelers [not for hire or reward]) occurrence of the event out of which any claim arises.
In consideration of the payment of an additional premium ## It is further understood and agreed that while the vehicle
@ Rs.50/- per employee insured notwithstanding anything to insured is engaged in …………..*, the Insured shall bear the first
the contrary contained in the Policy it is hereby understood and Rs ……………@ (or any less amount for which the claim may be
agreed that the Company will indemnify the Insured against the assessed) of each and every claim under Section I of this Policy.
Insured s liability at Common Law and Statutory Liability under
the Fatal Accidents Act, 1855 for compensation (including Provided that if the Company shall make any payment in
legal costs of any claimant) for death of or bodily injury to exercise of its discretion under condition No. 3 of the Policy
any employee (other than paid drivers) of the within named in settlement of any claim and such payment includes the
Insured being carried in or upon or entering in or getting on amount for which the Insured is responsible by reason of this
to or alighting from or driving the vehicle insured. Endorsement the insured shall repay to the Company forthwith
the amount for which the Insured is so responsible.
Provided that in the event of an accident whilst the vehicle
insured is carrying more than *employees of the Insured For the purpose of this Endorsement the expression “claim”
(including the driver) the Insured shall repay to the Company shall mean a claim or series of claims arising out of one event.
a rateable proportion of the total amount payable by the Subject otherwise to the terms, conditions limitations and
Company by the reason of this endorsement in respect of exceptions of this Policy.
accident in connection with such vehicle insured. * To insert the name of the event
Subject otherwise to the terms, conditions limitations and ** To insert the venue of the event.
@ To insert Rs 5000/- for Private Cars. For the duration of
NB. * To insert the number of employees for which the premium the event the deductible under Section I of this Policy for the
has been paid. purpose of IMT 22 will be the amount stated in IMT 22 or the
IMT. 30. Trailers. (Applicable to Private Cars Only) amount stated herein, whichever is higher.
In consideration of the payment of an additional premium it # To insert the name of the promoters of the event.
11
## To delete the entire paragraph in case of Liability Only Grievance may also be lodged at IRDAI Integrated
Policies. Grievance Management System- https://bimabharosa.
irdai.gov.in
IMT.32. ACCIDENTS TO SOLDIERS /SAILORS/ AIRMEN
EMPOYED AS DRIVERS You may also approach the nearest Insurance Ombudsman
In consideration of the payment of an additional premium for resolution, if your grievance is not redressed by the
of Rs 100/-* it is hereby understood and agreed that in the Company. The contact details of Ombudsman offices are
event of any Soldier/Sailor/Airman employed by the Insured below if your grievance pertains to:
to drive the vehicle insured being injured or killed whilst so • Insurance claim that has been rejected or dispute of
employed, this Policy will extend to relieve the Insured of his a claim on legal construction of the policy
liability to indemnify Ministry of Defence under the respective
Regulations. • Delay in settlement of claim
Subject otherwise to the terms, conditions limitations and • Dispute with regard to premium
* This additional premium is flat and irrespective of period • Non-receipt of your insurance document
of insurance not exceeding 12 months. Any extension of the You may also refer Our website www.hdfcergo.com
Policy period beyond 12 months will call for payment of further https://www.hdfcergo.com/customer-voice/grievances
additional premium under this Endorsement. for detailed grievance redressal procedure.
Grievance Rederssal
If you have a grievance that you wish us to redress, you

may contact us with the details of your grievance through:
• Call Centre - 120 6234 6234 / 022-6234 6234
• Emails – [email protected]
• Contact Details for Senior Citizens: 022 6242 6226

| Email ID: [email protected] Designated
Grievance Officer in each branch.
• Company Website – www.hdfcergo.com
• 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 ,

HDFC ERGO General Insurance The Company Ltd.
D-301,3rd Floor, Eastern Business District (Magnet Mall),
LBS Marg, Bhandup (West),
Mumbai – 400078, Maharashtra
In case you are not satisfied with the response / resolution
given / offered by the C&G cell, then you can write to the
Chief Grievance Officer of the Company at the following
address
To the Chief Grievance Officer
HDFC ERGO General Insurance The Company Limited

D-301, 3rd Floor, Eastern Business District (Magnet Mall),
LBS Marg, Bhandup (West),
Mumbai - 400078, Maharashtra
e-mail: [email protected]
12
You may also refer our website www.hdfcergo.com https://www.hdfcergo.com/customercare/ grievances.html for detailed
grievance redressed procedure.
Names of Ombudsman and Addresses of Ombudsmen Centers
OFFICE DETAILS JURISDICTION OF OFFICE (UNION TERRITORY, DISTRICT)

AHMEDABAD
Office of the Insurance Ombudsman,
Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road,
Gujarat, Dadra & Nagar Haveli, Daman and Diu.
Ahmedabad – 380 001.
Tel.: 079 - 25501201/02
Email: [email protected]
BENGALURU
Jeevan Soudha Building, PID No. 57-27-N-19,
Ground Floor, 19/19, 24th Main Road,
Karnataka.
JP Nagar, Ist Phase,
Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
BHOPAL
1st floor,”Jeevan Shikha”, 60-B,Hoshangabad Road,
Madhya Pradesh, Chattisgarh.
Opp. Gayatri Mandir, Bhopal – 462 011.
Tel.: 0755 - 2769201 / 2769202
BHUBANESHWAR
62, Forest park, Bhubneshwar – 751 009.
Orissa.
Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
CHANDIGARH
State of Punjab, Haryana (excluding 4 districts vizGurugram,
Jeevan Deep Building SCO 20-27,
Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union
Ground Floor Sector- 17 A, Chandigarh – 160 017.
Territories of Jammu &Kashmir, Ladakh and Chandigarh.
Tel.: 0172-2706468
CHENNAI
Fatima Akhtar Court, 4th Floor, 453,
Anna Salai, Teynampet, Tamil Nadu, Puducherry Town and Karaikal (which are part of
CHENNAI – 600 018. Puducherry).
Tel.: 044 - 24333668 / 24333678
Fax: 044 - 24333664
DELHI
2/2 A, Universal Insurance Building,
Delhi, 4 districts of Haryana vizGurugram, Faridabad, Sonepat and
Asaf Ali Road,
Bahadurgarh)
New Delhi – 110 002.
Tel.: 011 - 23237539
13
GUWAHATI
Jeevan Nivesh, 5th Floor,
Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland
Nr. Panbazar over bridge, S.S. Road,
and Tripura.
Guwahati – 781001 (ASSAM).
Tel.: 0361 - 2632204 / 2602205
HYDERABAD
6-2-46, 1st floor, “Moin Court”,
Lane Opp. Saleem Function Palace, State of Andhra Pradesh, Telangana and Yanam – a part of Union
A. C. Guards, Lakdi-Ka-Pool, Territory of Puducherry
Hyderabad - 500 004.
Tel.: 040 - 23312122
JAIPUR
Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg, Rajasthan.
Jaipur - 302 005.
Tel.: 0141 - 2740363 /2740798
KOCHI
10th Floor, Jeevan Prakash,LIC Building,
Opp to Maharaja’s College Ground,M.G.Road, Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry.
Kochi - 682 011.
Tel.: 0484 - 2358759
KOLKATA
Hindustan Bldg. Annexe, 4th Floor,
4, C.R. Avenue, States of West Bengal, Sikkim and Union Territories of Andaman &
KOLKATA - 700 072. Nicobar Islands
Tel.: 033 - 22124339
Fax : 033 - 22124341
Districts of Uttar Pradesh :

LUCKNOW
Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad,
Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur, Varanasi,
6th Floor, Jeevan Bhawan, Phase-II,
Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur,
Nawal Kishore Road, Hazratganj,
Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad,
Lucknow - 226 001.
Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur,
Tel.: 0522 - 4002082 / 3500613
Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur,
Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar.
MUMBAI
3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz (W), Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane.
Mumbai - 400 054.
Tel.: 022 - 69038800/27/29/31/32/33
14
NOIDA
State of Uttaranchal and the following Districts of Uttar Pradesh:
Bhagwan Sahai Palace
Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah,
4th Floor, Main Road,
Kanooj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar,
Naya Bans, Sector 15,
Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautambodhanagar,
Distt: Gautam Buddh Nagar,
Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj,
U.P - 201301.
Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur.
Tel.: 0120-2514252 / 2514253
PATNA
2nd Floor, Lalit Bhawan,
Bailey Road, Bihar, Jharkhand.
Patna 800 001.
Tel.: 0612-2547068
PUNE
Jeevan Darshan Bldg.,
3rd Floor,C.T.S. No.s. 195 to 198,
Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai
N.C. Kelkar Road,
Metropolitan Region.
Narayan Peth,
Pune – 411 030.
Tel.: 020-24471175
15

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HDFC ERGO General Insurance Company Limited

Standalone Motor Own Damage Cover - Private Cars

Whereas the insured by a proposal and declaration dated as AGE OF VEHICLE % OF

IMT.6. LEASE AGREEMENT IMT.8. DISCOUNT FOR MEMBERSHIP OF RECOGNISED

i) Death 100% IMT.20. REDUCTION IN THE LIMIT OF LIABILITY FOR

If you have a grievance that you wish us to redress, you

• Call Centre - 120 6234 6234 / 022-6234 6234

• Contact Details for Senior Citizens: 022 6242 6226

• Company Website – www.hdfcergo.com

• Courier - Any of our Branch office or corporate office

You may also approach the Complaint & Grievance (C&G)

If you are not satisfied with our redressal of your grievance

The Complaint & Grievance Redressal Cell ,

To the Chief Grievance Officer

HDFC ERGO General Insurance The Company Limited

OFFICE DETAILS JURISDICTION OF OFFICE (UNION TERRITORY, DISTRICT)

Districts of Uttar Pradesh :

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