COMMERCIAL COMPREHENSIVE POLICY

Summary

Swift Dzire Tour Valid from Valid till (midnight)

TN12AA0195 01 OCT 21 30 SEP 22

Car owner Plan Owner email

GANESAN R Standard Comprehensive [email protected]
Policy Price Car Value
₹ 24,072.00 ₹ 4,50,000

Please refer overlay for more details

How to claim
Why go directly to a garage? Tell us first for quick claims and a stress-free experience.
A pickup & drop of your car Guaranteed cashless process For detailed terms please visit www.acko.com

Please note: Previous Policy document is required in case of claim within 30 days of the Acko Policy Start Date.

CONTACT ACKO

Helpline for GANESAN R

For claim registrations and emergencies

If you are a workshop or garage staff

[ GST# for workshop Invoice 27AAOCA9055C1ZJ ]
Acko General Insurance Ltd.
Unit No. 301 & 302, 3rd Floor, F Wing, Lotus Corporate Park, Goregaon (E), Mumbai- 400063
Email: [email protected] | Phone: 1860 266 2256 | www.acko.com
Product: Private Car Package Policy | CIN : U66000MH2016PLC287385
IRDAI Reg No. 157 | HSN: 9971 | GST: 27AAOCA9055C1ZJ
UIN: IRDAN157P0007V01201718, A0009V01201819 Page 1 of 5
What’s Covered
A snapshot of all the coverages in this policy.

Accidents Fire Theft

Damages to the car due to an accident. In case your car catches fire, resulting from If your car is stolen, we will pay you the value as
self-ignition, explosion or lightning. per policy of your car.

Calamities Third - Party Losses

Damage due to natural or man made Death, injury or property damage to any
causes like earthquake, riots, etc. third party arising from your car.

Consumables
Covers the cost of consumables like nut,
bolt, lubricant etc. consumed during car
repair due to accident.

What’s Not Covered

A snapshot of all the coverages that are not covered in this policy.

Non-Accident Damage Consequential Loss & Nuclear Risk & War Illegal Driving
Like depreciation, wear & tear, Contractual Liability Damages to your car due to Damage due to the car driven by a
breakdown, failures & Indirect damage or liability nuclear risk, war & mutiny person without a valid driving license
breakages, and deductibles. arising due to your car or under influence of liquor/drugs.
accident.

Tyre, Tubes & Engine Car Review Exception Commercial usage of the Car
Not included unless the tyre, Pre-existing Damages as If the Car is registered as Private
tubes & engine are damaged found on vehicle inspection. vehicle & if it is used for commercial
due to an accident. purpose than the losses or liability
due to accident during such usage is
not covered in this policy.

Above is provided for illustration purpose only. Please refer to detailed policy wordings and also refer the policy schedule
provided overleaf for more details.
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 COMPREHENSIVE POLICY
Commercial Car Package Policy

POLICY DETAILS VEHICLE DETAILS

Insured Name: GANESAN R Registration Number: TN12AA0195

Period of Insurance: 01 Oct 21 (00:00 hrs) to 30 Sep 22 (23:59 Make/Model: Swift Dzire Tour
hrs) Purchase Year: 2018
Policy Issuance Date: 21 Sep 21 Engine CC: 1248
Policy Number: DBTR00426388390/03 Seating Capacity: 5
Engine Number: D13A-3379686
Chassis No: MA3FJEB1S00B68866

INSURED DECLARED VALUE (IDV)

Vehicle IDV (₹) Accessories (₹) Bifuel Kit (₹) Total IDV (₹)

4,50,000 0 4,50,000

PREMIUM DETAILS (₹)

Own Damage Premium (A) Liability Premium (B)

Basic Own Damage 7,756.00 Basic Third Party Liability 12,644.00

NCB Discount (0.00)

Net Own Damage Premium (A) 7,756.00 Net Liability Premium (B) 20,400.00

Total Package Premium 20,400.00

GST 3672.00

Total Premium 24,072.00

Geographical Area: India Voluntary Deductible: ₹ 0

No-Claim Bonus: 25% Compulsory Deductible: ₹ 1000

Limitations As To Use: The Policy covers use of the vehicle 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. Persons or
Class of Persons entitled to drive: Any person including the insured, 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. 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. Limits of Liability. 1. Under
Section II-1 (i) of the policy - Death of or bodily injury - Such amount as is necessary to meet the requirements of the Motor Vehicles Act, 1988. 2. Under
Section II - 1(ii) of the policy -Damage to Third Party Property - Rs. 750000 Terms, Conditions & Exclusions: As per the Indian Motor Tariff. A personal
copy of the same is available free of cost on request & the same is also available at our website.
I / We hereby certify that the policy to which the certificate relates as well as the certificate of insurance are issued in accordance with the provision of
chapter X, XI of M. V.Act 1988. "The stamp duty of Rs. 0.50 paid by electronic medium vide Receipt/Challan no. 3677100201718 dated 15/12/2021 as
prescribed in Government Notification Revenue and Forest Department No. Mudrank 2004/4125/CR/690/M-1, dated 31/12/2004. GSTN:
27AAOCA9055C1ZJ. 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”. Disclaimer: The Policy shall
be void from inception if the premium cheque is not realized. In the event of misrepresentation, fraud or non-disclosure of material fact, the Company
reserves the right to cancel the Policy. Please note that the insured vehicle was pre-inspected and a report was prepared accordingly. The existing
damages to the vehicle as mentioned in the report shall not be paid by the Company. The policy is issued basis the information provided by you, which
is available with the company. In case of discrepancy/non recording of relevant information in the policy, the insured is requested to bring the same to
the notice of the company within 15 days.

INTERMEDIARY DETAILS

Policy Issuing Office: Direct – Mumbai Intermediary Name: Direct

Phone Number: N/A Intermediary Code: N/A

Acko General Insurance Ltd.

Unit No. 301 & 302, 3rd Floor, F Wing, Lotus Corporate Park, Goregaon (E), Mumbai- 400063
Email: [email protected] | Phone: 1860 266 2256 | www.acko.com
Product: Private Car Package Policy | CIN : U66000MH2016PLC287385
IRDAI Reg No. 157 | HSN: 9971 | GST: 27AAOCA9055C1ZJ For ACKO General Insurance Ltd.
UIN: IRDAN157P0007V01201718, A0009V01201819 Duly Constituted Attorney
Page 3 of 5
 RECEIPT

Received with thanks from GANESAN R a sum of ₹ 24,072 towards premium on Car Insurance Policy

INSURED DETAILS
Name of Insured: GANESAN R
Period of Insurance: 01 Oct 21 (00:00 hrs) to 30 Sep 22 (23:59
hrs)
Policy Number: DBTR00426388390/03

PREMIUM DETAILS (₹)

Gross Premium 20,400.00

Add: Goods and Services Tax @ 18% 3672.00

Total Premium 24,072.00

NOTE:
1. T & C for the acknowledgement receipt issuance: Issuance of this receipt does not amount to acceptance of the risk by Acko
General Insurance Limited. The insurance cover for the risk shall be as per the terms and conditions of the Insurance Policy if
and when issued. * Cheque/DD/PO receipt is valid subject to realization of the instrument.
2. T& C for the Proposal Form: “I/We desire to insure with Acko General Insurance Limited in respect of the vehicle described in
this proposal form and confirm that the statements contained in this application are my/our true and accurate
representations. I/We undertake that if any of the statements are found to be false or incorrect, the benefits under this policy
would stand forfeited. I/We agree that this application and declaration shall be promissory and shall be the basis of the
contract between me/us and Acko General Insurance Limited. I/We agree to the Company taking appropriate measures to
capture the voice log for all such telephonic transactions carried out by me/us as required by the procedures/regulations
internal or external to the Company and shall not hold the Company responsible or liable for relying/using such recorded
telephonic conversation. In the event of nonrealization of the cheque or non-receipt of the amount of premium by the
Company the policy shall be deemed cancelled ‘ab-initio’ and the Company shall not be responsible for any liabilities of
whatsoever nature under this Policy.” I/We agree to receive ‘Certificate of Insurance or Policy Schedule’ only and shall access
the policy terms, conditions and exclusions on the company’s website.

Acko General Insurance Ltd.

Unit No. 301 & 302, 3rd Floor, F Wing, Lotus Corporate Park, Goregaon (E), Mumbai- 400063
Email: [email protected] | Phone: 1860 266 2256 | www.acko.com
CIN : U66000MH2016PLC287385 | IRDAI Reg No. 157 | HSN: 9971 | GST: 27AAOCA9055C1ZJ For ACKO General Insurance Ltd.
UIN: IRDAN157P0007V01201718, A0009V01201819 Duly Constituted Attorney
Page 4 of 5
 PROPOSAL

Dear GANESAN R,
We wish to inform you that the Insurance Policy number DBTR00426388390/03 has been Issued on the basis of the
information and declaration given by you, the transcript where of mentioned below.

Please be informed that this Policy shall be construed to be void ab initio/invalid in the event we find that you have not disclosed
material or correct information required for the purpose of providing the below insurance cover and in case of any claim arising
under the policy in such a scenario, we shall be under no obligation whatsoever to settle such claim to you and the premium paid
by you under this policy shall stand fully forfeited.

POLICY DETAILS CAR DETAILS

Policy Number: DBTR00426388390/03 Car Number: TN12AA0195

Period of Insurance: 01 Oct 21 (00:00 hrs) to 30 Sep 22 (23:59 Make/Model: Swift Dzire Tour
hrs) Fuel Type: Diesel
Policy Issuance Date: 21 Sep 21 Purchase Year: 2018
Insured Declared Value (IDV): 450000
Accessories (IDV):

CAR OWNER DETAILS

Name: GANESAN R
Email Address: [email protected]
Pincode: 625532

COVER DETAILS
Add-ons Opted Not Opted

Consumables -

Zero Depreciation -

Acko General Insurance Ltd.

Unit No. 301 & 302, 3rd Floor, F Wing, Lotus Corporate Park, Goregaon (E), Mumbai- 400063
Email: [email protected] | Phone: 1860 266 2256 | www.acko.com
CIN : U66000MH2016PLC287385 | IRDAI Reg No. 157 | HSN: 9971 | GST: 27AAOCA9055C1ZJ For ACKO General Insurance Ltd.
UIN: IRDAN157P0007V01201718, A0009V01201819 Duly Constituted Attorney
Page 5 of 5