Bajaj Allianz General Insurance Company Ltd.

Registered and Head Office: GE Plaza, Airport Road, Yerwada, Pune

Transcript of Proposal for Private Car - Package Policy

Dear DHANJAY KUMAR,

We wish to inform you that the contract under policy number 'OG-18-9906-1801-00137188' has been finalized based on the
information and declaration given by you, the transcript whereof is mentioned below. You are requested to reconfirm the same.
In case of any disagreement or objection or any changes with respect to information mentioned below, we request you to
please revert back within a period of 15 days from date of your receipt of this, failing which it will be deemed that you are
satisfied with the correctness of the details mentioned below. Kindly note that as the contents and declarations contained in this
transcript is the basis on which we have issued the policy to you, we advise you to please ensure that you have
provided/disclosed and or not withheld any material facts/information and declarations, as Policy becomes Void ab initio if
material facts are not provided/disclosed and or withheld and in such case no claim, if any, will be considered by us apart from
forfeiture of the premium.
Details provided by you:

A. Proposer details
1. Proposer Name : DHANJAY KUMAR
2. Proposer Address : RAM NAGAR COLONY,CHAS BLOCK GALI NO-12,
CHAS BOKARO, , CHAS BOKARO, JHARKHAND-827013
3. Proposer Mobile Number : 7004038736
4. Proposer Residential Number : NA
5. Proposer e-mail id : NA
6. Proposer Profession : NA

B.Vehicle Details
Registration Month / Year Vehicle Vehicle Vehicle Sub Cubic Capa- Fuel Type Year of Man- Seating Ca-
Number of Regn Make Model Type city ufacture pacity
JH09Y6434 JAN/2014 CHEVRO- SAIL 1.2 LS ABS 1199 Petrol 2014 5
LET

Engine Number Chassis Number Vehicle IDV (in Electrical Non-Electrical CNG/LPG Unit Total IDV (in
Rs.) Accessories Accessories (Extra fitted) Rs.)
IDV (in Rs.) IDV (in Rs.) IDV (in Rs.)
10CXDZ1429300 MA6SFDK2EET 346797 0 0 0 346797
76 002508
 C. Coverage opted

1. Period of Insurance : From 30-MAR-2018 00:01(Hrs)

To 29-MAR-2019 Midnight
2. Is your vehicle fitted with external LPG/CNG kit : No.
3. Electrical Accessories cover Opted (If Applicable) : No.
4. Non - Electrical Accessories cover Opted (If Applicable): : No.
5. Is Voluntary Excess opted : No.
Amount of voluntary excess opted : Rs.NA.
6. Whether PA cover is opted for owner-driver : Yes.
7. Is any additional compulsory deductible imposed and agreed upon : No.
Amount of additional compulsory deductible imposed : NA.
8. Whether geographical area extension is opted : No.
Details of Countries to which geographical area extension cover is given : NA.
9. Is LL to person for Paid driver/Operation/Maintenance opted : No.
10. Whether PA cover is opted for paid driver other than owner driver : No.
Sum Insured for Paid Driver : Rs.NA.
11. Whether PA cover is opted for passengers : No.
Sum Insured per Passenger : Rs.NA.
12. Is TPPD restricted to statutory limit of Rs.6000? : No.
13. Pre Existing damages in the vehicle : NA.
14. Premium for Liability coverage, quoted and agreed upon is : Rs.2963.
15. Premium for OD coverage, quoted and agreed upon is : Rs.10512.
16. Total Premium (excluding Goods and Service Tax (GST)) for Liability and OD coverages, quoted and agreed upon is
: Rs.13475
17. NCB (No Claim Bonus) claimed by you and granted by us based on your declaration of no claim during your previous
previous policy : 0 %.
18. About the last insurance company
(i) Insurance Provider : ICICI Lombard General Insurance Company Limited..
(ii) Previous Policy No : 3001/CI-10018291/00/B00, Previous Policy Expiry Date :29-MAR-18
19. Whether your vehicle is Hypothecated and if so the details of Pledgee whose name is registered by us: No.
Name of Pledgee : NA.
20. Add on Cover(s) opted : Yes, Plan Name: Drive Assure - Economy Plan Description: 24x7 spot assistance , depreciation
shield , engine protector ,
Please note Cover Note No. / issued to you basing on the above information.
In case of Disagreement or objection or any changes with respect to information and contents mentioned hereinabove, please
contact our toll free number & register your objections/changes/disagreement to the contents of this transcript or you may also
send us email or written correspondence at the following details within a period of 15 days from date of your receipt of this
transcript along with Policy:
I/We hereby unconditionally allow the Company to share all my / our information being collected in this proposal form or
through telephonic / email / web-inputs means or other means, as updated from time to time within group entities.
Toll free Number : 1800-22-5858,1800-102-5858,1800-209-5858
Email address : customercare@bajajallianz.co.in
Website : www.bajajallianz.com
Contact our policy servicing branch at: Bajaj Finserv Building, 1st Floor, Behind Weikfield IT-Park, Viman Nagar,
Pune-411014 PH:1800-209-0144.
  

BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED

(A Company incorporated under Indian Companies Act, 1956 and licensed by Insurance Regulatory and Development Authority of India [IRDA]
vide Reg No.113)
Regd. Office: GE Plaza, Airport Road, Yerwada,Pune-411006(India)
Certificate of Insurance (Private Car Package Policy)

Policy Number: OG-18-9906-1801-00137188 Customer ID: 115702432

Particulars of Vehicle Insured:
Registration Number Place of Registration Engine Number Chassis Number Make & Model
JH09Y6434 BOKARO 10CXDZ142930076 MA6SFDK2EET0025 CHEVROLET - SAIL
08

Sub Type Year of Mfg NCB % CC Seating Capacity Final Premium

1.2 LS ABS 2014 0 1199 5 Rs.15901.

Name of Registration Authority : BOKARO

Name and Address of Insured : DHANJAY KUMAR
: RAM NAGAR COLONY,CHAS BLOCK GALI
NO-12, CHAS BOKARO, , CHAS BOKARO,
JHARKHAND-827013
Geographical Area : India
Business or Profession : NA
Effective date of commencement of Insurance for the purpose of act:
Policy Inception Date: From 00:01 O' Clock on 30-MAR-2018
Policy Expiry Date: Midnight on 29-MAR-2019
Persons or Class of Persons entitled to drive:
Any person including the insured:
a) Provided that a person driving holds an effective driving license at the time of the accident and is not disqualified from
holding or obtaining such a license.
b) Provided also that the person holding an effective learner's license may also drive the vehicle and that such a person satisfies
the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.
Limitations as to Use:
The Policy covers use for any purpose other than
a) Hire or Reward, b) Carriage of goods (other than samples or personal luggage), c) Organized racing, d) Pace Making, e)
Speed testing, f) Reliability Trials, g) Any purpose in connection with Motor Trade
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 M.V. Act, 1988.
Full address of Issuing Office :
Bajaj Finserv Building, 1st Floor, Behind Weikfield IT-Park, Viman Nagar, Pune-411014
PH:1800-209-0144
Date of issue :30-MAR-2018
For & On Behalf of
Bajaj Allianz General Insurance Company Ltd.

Authorized Signatory

For help and more information:

Contact our 24 Hour Call Centre at 1800-102-5858, 1800-209-5858, 1800-22-5858, Toll Free: 30305858( chargeable, add area code before this number in case of mobile call) Email us at
customercare@bajajallianz.co.in or Visit our Website www.bajajallianz.com
Corporate Identification Number U66010PN2000PLC015329
Latest Schedule - 30-Mar-2018 18:06:01 PM- Silent_Printing (Web) (9906)
  

BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED

(A Company incorporated under Indian Companies Act, 1956 and licensed by Insurance Regulatory and Development Authority of
India [IRDA] vide Reg No.113)
Regd. Office: GE Plaza, Airport Road, Yerwada,Pune-411006(India)
PRIVATE CAR PACKAGE POLICY SCHEDULE

Policy Issuing Bajaj Finserv Building, 1st Floor, Behind Weikfield IT-Park, Viman Nagar, Pune-411014
Office PH:1800-209-0144

INSURED DETAILS POLICY DETAILS

Insured Name DHANJAY KUMAR Policy Number OG-18-9906-1801-00137188
RAM NAGAR COLONY,CHAS BLOCK Policy Issued
Insured GALI NO-12, CHAS BOKARO, , CHAS 30-MAR-2018 17:33 PM
BOKARO, JHARKHAND-827013 on
Address
Geographical From : 30-MAR-2018 00:01 (Hrs)
India Period of
Area To : 29-MAR-2019 Midnight
Insurance
Customer ID
115702432 Cover Note
/
Bank Reference Details
No 1
Previous
3001/CI-10018291/00/B00
GSTIN / UIN NA Policy No
STATE CODE / 20 - Jharkhand
NAME
Make & Mod-
Registration Number Place of Registration Engine Number Chassis Number SubType
el
MA6SFDK2EET0 CHEVROLET
JH09Y6434 BOKARO 10CXDZ142930076 1.2 LS ABS
02508 - SAIL
Year Of Manufactur- Trailer Registra-
NCB % CC Seating Capacity Hypothecation Details
ing tion Number
0 1199 5 2014 -,-
Non electrical Electrical/Elec- Value of CNG/
Vehicle IDV Value For Trailers Total Value
accessories tronic accessories LPG kit
346797 0 0 0 0 346797
Own Damage Premium(Rs.) Liability Premium(Rs.)
Own Damage Premium 10512 Basic Third Party Liability 2863
Special Discount PA Cover for Owner-Driver 100
Total OD Premium - A 10512 Total Act Premium - B 2963
Total Premium (Net Premium) (A+B) 13475
Integrated GST (18%) 2426
Final Premium ( Rupees Fifteen Thousand Nine Hun- 15901
dred One Only )
**Note: The above Total OD Premium is inclusive of all applicable Loading /Discounts viz (Automobile association membership, Voluntary Excess,
Anti Theft, Handicap Person, Driver Tuition, Fiber Glass, CNG/LPG Unit, Geographical Extension, Imported Vehicle Etc. wherever Applicable)

Limitation as to Use The Policy covers use of the vehicle for any purpose other than : Hire or reward, Carriage of
goods( other than samples or personal luggage),Organised racing,Pace making, Speed testing,
Reliability trials. Any purpose in connection with Motor Trade.
For help and more information:
Contact our 24 Hour Call Centre at 1800-102-5858, 1800-209-5858, 1800-22-5858, Toll Free: 30305858( chargeable, add area code before this number in case of mobile call) Email us at custom-
ercare@bajajallianz.co.in or Visit our Website www.bajajallianz.com
Corporate Identification Number U66010PN2000PLC015329
Latest Schedule - 30-Mar-2018 18:06:01 PM- Silent_Printing (Web) (9906)
  

Driver Any person including the insured provided that a person driving holds an effective driving li-
cense at the time of the accident and is not disqualified from holding or obtaining such a license.
Provided also that the person holding an effective Learner's license may also drive the vehicle
when not used for the transport of goods/passengers at the time of the accident and that such a
person satisfies the requirements of Rule 3 of the Central Motor Vehicle Rules, 1989.
Limits of Liability Under section II-I(i) of the policy -> Death of or bodily injury : Such amount is necessary to meet
there requirements of the Motor Vehicles Act,1988. Under section II-I(ii) of the policy -> Dam-
age to Third Party Property : Rs. 750000
No Claim Bonus
Existing Damage Details NA
Nominee Details null - null
Subject to Warranties/ 22, & Plan Name: Drive Assure - Economy & Plan Description: 24x7 spot assistance , depreci-
IMT-Endorsements/ ation shield , engine protector ,
Add on Package
Additional Details Coinsurance Details: - . Transaction Id: -
Premium Details Receipt No. 9906-01734964, Date 29-MAR-18 ** If Premium paid through Cheque, the Policy is
void ab-initio in case of dishonour of Cheque.
Excess Details Compulsory Excess: Rs.1000 Additional Excess: Rs.0 Voluntary Excess: Rs.0
IMPORTANT NOTICE : The Insured is not indemnified if the vehicle is used or driven otherwise than in accordance with this schedule.
Any payment made by the Company by reason 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 AND RIGHT OF RECOVERY.
For & On Behalf of
Bajaj Allianz General Insurance Company Ltd.

Stamp
Duty Rs.
0.5

Authorized Signatory
This document is digitally signed, hence counter signature / stamp is not required.
Consolidated Stamp Duty of Rs.0.5/- paid towards Insurance Stamps vide Challan No. MH012474147201718M Defaced No. 0006825599201718 dated 28-MAR-18 timing 17:26:07 of
General Stamp Office,Mumbai,India.

BAGIC GST No : 27AABCB5730G1ZX | Principal Location : GE Plaza, Airport Road, Yerwada, Pune - 411006 PH:66026666 | Services
Accounting Code : 997134 - Motor vehicle insurance services. No reverse charge is payable on these services. | Invoice No. : 95634392/1
 Bajaj Allianz General Insurance Company Ltd.
Bajaj Finserv Building, 1st Floor, Behind Weikfield IT-Park, Viman Nagar, Pune - 411014
Contact No:Contact No: 1800-209-0144

RECEIPT

Receipt Number 9906-01734964

Receipt Date 29/03/2018
Business Channel

Received with thanks from DHANJAY KUMAR

(Customer ID : 115702432 ) a total sum of Rupees Fifteen Thousand Nine Hundred Only by,

Instrument Instrument No. Instrument Bank Name Branch Name Amount

Type Date
Online Pay- 4067247 29/03/2018 15,900
ment

Total Amount Rs. 15,900.00

Issuance of this receipt does not amount to acceptance of the risk by Bajaj Allianz General In-
surance Company Limited. The insurance cover for the risk shall be as per the terms and con-
ditions of the Insurance Policy if and when issued.
* Cheque/DD/PO receipt is valid subject to realisation of the instrument.

For & on behalf of

Bajaj Allianz General Insurance Company Ltd.

Authorised Signatory

Regd.Office: GE Plaza,Airport Road, Yerwada, Pune - 411006

 PRIVATE CAR PACKAGE POLICY: ADD ON COVERS(Plan Name: Drive Assure - Economy): POLICY WORD-
INGS

S1 - 24x7 SPOT ASSISTANCE

A. Endorsement Wordings
In consideration of the payment of additional premium, it is hereby agreed and declared that You shall be entitled to one or
more of the below mentioned benefits depending on the plan opted by You and as shown on the Schedule :
(A) Flat Battery: In the event of the Insured Vehicle being immobilized due to a flat battery, We will make al-
ternative arrangements to make the Insured Vehicle mobile again provided the event has occurred within 100
kilometers from the center point of the city of Your residence and the Insured Vehicle has not reached a work-
shop/repairer. (B) Spare Keys: In the event of You losing keys of the Insured Vehicle , We will arrange for the
pick up and delivery of spare keys to the spot where the Insured Vehicle is located provided the event has oc-
curred within 100 kilometers from the center point of the city of Your residence and the Insured Vehicle has not
reached a workshop/repairer. (C) Flat Tyre: In the event of the Insured Vehicle being immobilized due to flat
tyres, We will arrange for the refill of the flat tyres and/or replacement of the flat tyres with a usable spare tyre to
make the Insured Vehicle mobile again provided the event has occurred within 100 kilometers from the center
point of the city of Your residence and the Insured Vehicle has not reached a workshop/repairer . (D) Minor Re-
pairs: In the event of the Insured Vehicle being immobilized due to mechanical and/or electrical breakdown, We
will arrange for minor mechanical and/or electrical repairs to make the Insured Vehicle mobile again provided
the event has occurred within 100 kilometers from the center point of the city of Your residence and the Insured
Vehicle has not reached a workshop/repairer. (E) Towing Facility: In the event of the Insured Vehicle getting im-
mobilized as a result of Accident and/or breakdown, We shall arrange for towing away of the Insured Vehicle
from the spot of immobilization to Our nearest preferred workshop provided the event has occurred within 100
kilometers from the center point of the city of Your residence. (F) Urgent Message Relays: In the event of the In-
sured Vehicle getting immobilized as a result of Accident and/or breakdown, We will send urgent message on
Your request to the specified persons through available means of communication (G) Medical Co-ordination: In
the event of the Insured Vehicle meeting with an Accident, You can call Us on our Toll Free Number, mentioned
on the Schedule , to obtain details regarding the nearest medical center that can provide emergency relief services.
(H) Fuel Assistance: In the event of the Insured Vehicle being immobilized due to an empty fuel tank and/or con-
taminated fuel, We will either arrange for supply of 3 litres of petrol or diesel on chargeable basis and/or towing
of the Insured Vehicle to Our nearest preferred workshop provided the event has occurred within 100 kilometers
from the center point of the city of Your residence and the Insured Vehicle has not reached a workshop/repairer.
(I) Taxi Benefits: In the event of the Insured Vehicle meeting with an Accident/breakdown, We will arrange for a
free travel of the occupants of the Insured Vehicle to a single destination within a vicinity of 50 kilometers from
the spot of immobilization through a taxi or any other transportation service provided the event has occurred with-
in 100 kilometers from the center point of the city of Your residence and the Insured Vehicle has to be towed
away to Our nearest preferred workshop. Any travel beyond 50 kilometers can be covered on payment of addi-
tional amount as specified by Us. In the unlikely event of We being unable to arrange for this service, We may re-
quest You to arrange for a taxi to transfer the occupants of the Insured Vehicle on Your own and submit the bills
for a pre-communicated amount for re-imbursement to Us. (J) Accommodation Benefits: In the event of the In-
sured Vehicle meeting with an Accident/breakdown, We will provide occupants of the Insured Vehicle with a
hotel accommodation for one day provided the event has occurred beyond 100 kilometers from the center point of
the city of Your residence but within 100 kilometers of another covered city and the time to repair the Insured
Vehicle will exceed 12 hours from the time of reporting the incident.
The accommodation benefits would be offered subject to a per day limit of Rs. 2000 per occupant and a maximum
total limit of Rs. 16000 for all the occupants of the Insured Vehicle through out the Policy Period. In the unlikely
event of We being unable to arrange for this service, We may request You to arrange for a hotel accommodation
for the occupants of the Insured Vehicle on Your own and submit the bills for a pre-communicated amount for
re-imbursement to Us. (K)Legal Advice: In the event of the Insured Vehicle meeting with an Accident, You shall
be entitled for a free legal advice from a legal advisor over the phone for a maximum duration of 30 minutes. Sub-
sequent to the expiry of the specified period of 30 minutes, You may continue with the same legal advisor on dir-
ect payment basis
B. Conditions
(1) . In case of transfer of ownership of the Insured Vehicle , the cover under '24x7 Spot Assistance' shall expire.
(2) The benefits under '24x7 Spot Assistance' can be utilized for a maximum of 4 times during the Policy Period
except for 'Fuel Assistance', 'Taxi Benefits', 'Accommodation Benefits' and 'Legal Advice' for which the aggregate
utilization limit is 2 times during the Policy Period
C. Exclusions
(1) Where the Insured Vehicle can be safely transferred on its own power to nearest dealer/workshop. (2) Any
Accident, loss, damage and/or liability caused, sustained or incurred whilst the Insured Vehicle is being used oth-
erwise than in accordance with the limitations as to use. (3) Any liability of whatsoever nature directly or indir-
ectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any
nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception,
combustion shall include any self-sustaining process of nuclear fission. (4) Any Accident, loss, damage and/or li-
ability directly or indirectly or proximately or remotely occasioned by contributed to/by or traceable to or arising
out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether
before or after declaration of war), civil war, mutiny rebellion, military or usurped power or by any direct or indir-
ect consequences of any of the said occurrences. (5) Any loss or damage caused due to riots, strikes and Act of
God perils like flood, earthquake etc. (6) Claims pertaining to theft losses. (7) Any consequential loss arising out
of claims lodged under '24x7 Spot Assistance' .(8) Where a loss is covered under Motor Insurance Policy or any
 PRIVATE CAR PACKAGE POLICY: ADD ON COVERS(Plan Name: Drive Assure - Economy): POLICY WORD-
INGS

other type of insurance policy with any other insurer or manufacturer's warranty or recall campaign or under any
other such packages at the same time.(9) Replacement cost of battery and/or any associated repair cost. (10) Cost
of supply of parts or replacements elements or consumables. (11)Repair cost of tyre and/or parts or replacement
cost of any part of consumable at a third party workshop/repairer. (12)Any taxes, levy and expenses incurred in
excess of the limit described under the plan opted by You . (13)Loss of valuables and personal belongings kept in
the Insured Vehicle . (14) Any loss or damage to the Insured Vehicle arising out of participation in a motor ra-
cing competition or trial runs. (15)Where it is proved that You have abused the benefits under '24x7 Spot Assist-
ance'. (16)Any loss or damage caused due to pre- existing damages. (17)Any loss or damage arising out of inter-
vention of Government Authorized Agencies, Police Authorities or Law Enforcing Agencies . (18)Any loss or
damage resulting from the use of Insured Vehicle against the recommendations of the owners manual and/or
manufacturer's manual. (19)Any loss resulting from Your deliberate or intentional and/or unlawful or criminal act
(20)Benefits under 'Taxi Benefits' and 'Accommodation Benefits' for occupants in excess of the seating capacity
as per the registration certificate of the Insured Vehicle . (21)Additional cost incurred in towing the Insured
Vehicle to a dealer/workshop as specified by You instead to Our specified nearest authorized workshop. (22)Ser-
vices organized without Our prior consent for the various assistance services. (23)If You or Your personal repres-
entative is already at a garage for delivery of the Insured Vehicle or at the place of recovery in case of theft
(24)Mechanical and/or electrical breakdowns that require replacement of spare parts and/or specialized tools/
equipments that are usually available only in automotive workshops
If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of proving that
they do not apply.
D. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate.
(1) You,Your,Yourself: The person or persons We insure as set out in the Schedule . (2) We, Our, Us: Bajaj Al-
lianz General Insurance Company Limited and/or the Service Provider with whom Bajaj Allianz General Insur-
ance Company Limited has entered into a contract to provide the benefits under this cover to You . (3) Accident,
Accidental: A sudden, unintended and fortuitous external and visible event. (4) Policy/Motor Insurance Policy:
Private Car Package Policy issued by Us to which this cover is extended. (5) Insured Vehicle : The vehicle in-
sured by Us under the Motor Insurance Policy. (6) Policy Period: The period between and including the com-
mencement date and expiry date as shown in the Motor Insurance Policy Schedule . (7) Schedule : The Sched-
ule and any Annexure or Endorsement to it which sets out Your personal details and the type of insurance cover
in force

S3 - DEPRECIATION SHIELD
A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that this Policy extends to cover the
depreciation amount, partly or fully, on assessed damaged parts allowed for replacement during repairs in the event of a
Partial Loss to the Insured Vehicle .
In the event You have opted for co-payment, Your contribution shall be to the extent agreed by You as shown in the
Schedule for the depreciation amount on the assessed parts for each and every Partial Loss claim.
The benefits under 'Depreciation Shield' would be available only if the Insured Vehicle is repaired at Our authorized
workshops. In case You have opted to repair the Insured Vehicle at a non-authorized workshop, Our liability will be
restricted to 90% of the assessed total claim amount under this cover.
B. Conditions
(A) Claims made by You against Us under 'Depreciation Shield' are subject to the terms and conditions set forth
under the Motor Insurance Policy. (B) In case of transfer of ownership of the Insured Vehicle , the cover under
'Depreciation Shield' shall expire. (C) The benefits under 'Depreciation Shield' can be utilized for a maximum of
two times during the Policy Period
C. Exclusions
In addition to the exclusions mentioned under Motor Insurance Policy, We will not be liable to indemnify You for the
following events:
(1) Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is not payable (2)
Depreciation pertaining to any part/ sub part/ accessories not approved for replacement by Us under Motor Insur-
ance Policy. (3) Loss or damage to tyres and/or battery of the Insured Vehicle . (4) Consequential loss of any
kind arising out of claims lodged under 'Depreciation Shield'. (5) Where a loss is covered under Motor Insurance
Policy or any other type of insurance policy with any other insurer or manufacturer's warranty or recall campaign
or under any other such packages at the same time
If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of proving that
they do not apply.
D. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate.
 PRIVATE CAR PACKAGE POLICY: ADD ON COVERS(Plan Name: Drive Assure - Economy): POLICY WORD-
INGS

(1) You,Your,Yourself: The person or persons We insure as set out in the Schedule .(2) We, Our, Us: Bajaj Alli-
anz General Insurance Company Limited. (3) Accident, Accidental: A sudden, unintended and fortuitous external
and visible event.(4) Policy/Motor Insurance Policy: Private Car Package Policy issued by Us to which this cov-
er is extended (5) Insured Vehicle : The vehicle insured by Us under the Motor Insurance Policy and as shown
on the Schedule .(6) Policy Period: The period between and including the commencement date and expiry date as
shown in the Motor Insurance Policy Schedule . (7) Schedule : The Schedule and any Annexure or Endorse-
ment to it which sets out Your personal details and the insurance cover in force. (8) Own Damage Claim: The
claims raised by You against Us for loss or damage to the Insured Vehicle due to the perils mentioned under Sec-
tion 1 of Motor Insurance Policy. (9) Total Loss/ Constructive Total Loss: A loss under the Motor Insurance
Policy where the aggregate cost of retrieval and/ or repair of the Insured Vehicle , subject to terms and conditions
of the Policy, exceeds 75% of the IDV of the Insured Vehicle . (10)Partial Loss: Any loss falling into a category
other than (A) the loss mentioned under Sr. No. 9 above and (B) theft of the Insured Vehicle

S4 - ENGINE PROTECTOR
A. Endorsement Wordings
In consideration of payment of additional premium, it is hereby agreed and declared that this Policy extends to cover
the consequential damage to the internal child parts of the engine of the Insured Vehicle arising out of water ingres-
sion/ leakage of lubricating oil and/or damage to gear box of the Insured Vehicle arising out of leakage of lubricating
oil due to Accidental means. Under this cover, We will compensate You for the following:
(A) Repair or replacement of the internal child parts of the engine such as pistons, connecting rods, crank shaft
and cylinder head. (B) Repair or replacement of the internal parts of the gear box such as gears or shafts in the
gear box housing. (C) Labour cost incurred by You to overhaul the damaged engine and gear box
B. Conditions
(A) Claims made by You against Us under 'Engine Protector' are subject to the conditions set forth under the Mo-
tor Insurance Policy. (B) Claims made by You against Us under 'Engine Protector' would be admissible if:
• There is evidence that the Insured Vehicle stopped in water logged area resulting into damage
to the internal parts of the engine due to water ingression
• There is evidence of under carriage damage to engine and/or gear box leading to oil leakage
and resulting into damage to internal parts of the engine and/or gear box
• The loss or damage is not payable under Motor Insurance Policy
(C) In case of transfer of ownership of the Insured Vehicle , the cover under 'Engine Protector' shall expire
C. Your Obligations
(A) You should avoid driving the Insured Vehicle through water logged area as far as possible. If it is unavoid-
able, the vehicle should be driven in low gear and/or high engine RPMs. (B) You should not try to crank or push
start the engine once the Insured Vehicle had stopped in the water logged area or undercarriage damage had
taken place. (C) You should intimate Our nearest office for spot survey and to obtain help from an expert techni-
cian
D. Exclusions
We will not be liable to indemnify You for the following:
(1) Where a loss is covered under any other type of insurance policy with any other insurer or manufacturer's war-
ranty or recall campaign or under any other such packages at the same time. (2) Any consequential loss apart from
the damage to the internal child parts of the engine due to water ingression/ leakage of lubricating oil and/or dam-
age to gear box arising out of leakage of lubricating oil due to Accidental means. (3) Cost of engine oil and con-
sumables in case of flushing of engine. (4) Loss or damage including corrosion of engine due to delay in intimat-
ing Us or delay in retrieval of the Insured Vehicle from the water logged area. (5) Where reasonable care has not
been taken by You to protect the loss or damage to the Insured Vehicle
If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of proving that
they do not apply.
E. Definitions
The words and phrases listed have special meanings We have set below whenever they appear in bold type and initial
capitals. Please note that references to the singular or to the masculine also include references to the plural or to the fe-
male the context permits and if appropriate.
(1) You,Your,Yourself: The person or persons We insure as set out in the Schedule . (2) We, Our, Us: Bajaj Al-
lianz General Insurance Company Limited. (3) Accident, Accidental: A sudden, unintended and fortuitous ex-
ternal and visible event. (4) Policy/Motor Insurance Policy: Private Car Package Policy issued by Us to which
this cover is extended. (5) Insured Vehicle : The vehicle insured by Us under the Motor Insurance Policy. (6)
IDV: Insured's Declared Value (Sum Insured) of the Insured Vehicle under the Motor Insurance Policy. (7)
Total Loss/ Constructive Total Loss: A loss under the Motor Insurance Policy where the aggregate cost of re-
trieval and/ or repair of the Insured Vehicle , subject to terms and conditions of the Policy, exceeds 75% of the
IDV of the Insured Vehicle . (8) Policy Period: The period between and including the commencement date and
expiry date as shown in the Motor Insurance Policy Schedule .(9) Schedule : The Schedule and any Annexure
or Endorsement to it which sets out Your personal details and the type of insurance cover in force .(10)Own
Damage Claim: The claims raised by You against Us for loss or damage to the Insured Vehicle due to the perils
mentioned under Section 1 of Motor Insurance Policy