DriveAssureEconomyTermsandConditions

1. Mainfeatures&CoveragesunderDriveAssureEconomy DepreciationShield EngineProtector 24X7SpotAssistance

2. TermsandConditionsindetail 2.1 DepreciationShield A. EndorsementWordings

Inconsiderationofpaymentofadditionalpremium,itisherebyagreedanddeclaredthatthisPolicyextendsto cover the depreciation amount, partly or fully, on assessed damaged parts allowed for replacement during repairsintheeventofaPartialLosstotheInsuredVehicle. Intheevent Youhaveoptedforcompulsoryorvoluntarydeductible,Yourcontributionshallbetotheextent agreedbyYouasshownintheScheduleforthedeductibleamountpayableontheassessedpartsforeachand everyPartialLossclaim. The benefits under Depreciation Shield would be available only if the Insured Vehicle is repaired at Our authorizedworkshops.IncaseYouhaveoptedtorepairtheInsuredVehicleatanonauthorizedworkshop,Our liability will be restricted to 90% of the assessed total claim amount under Section 1 of the Motor Insurance Policy.

B. Conditions
a. ClaimsmadebyYouagainstUsunderDepreciationShieldaresubjecttothetermsandconditionsset forthundertheMotorInsurancePolicy b. In case of transfer of ownership of the Insured Vehicle, the cover under Depreciation Shield shall expire c. ThebenefitsunderDepreciationShieldcanbeutilizedforamaximumoftwotimesduringthePolicy Period

C.

Exclusions

InadditiontotheexclusionsmentionedunderMotorInsurancePolicy,WewillnotbeliabletoindemnifyYou forthefollowingevents: 1. Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is not payable 2. Depreciationpertainingtoanypart/subpart/accessoriesnotapprovedforreplacementbyUsunder MotorInsurancePolicy 1

3. Lossordamagetotyresand/orbatteryoftheInsuredVehicle 4. ConsequentiallossofanykindarisingoutofclaimslodgedunderDepreciationShield 5. Wherealossiscovered underMotorInsurance Policyoranyothertypeofinsurance policywithany otherinsurerormanufacturerswarrantyorrecallcampaignorunderanyothersuchpackagesatthe sametime If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of provingthattheydonotapply.

D.

Definitions

ThewordsandphraseslistedhavespecialmeaningsWehavesetbelowwhenevertheyappearinboldtypeand initial capitals. Please note that references to the singular or to the masculine also include references to the pluralortothefemalethecontextpermitsandifappropriate. 1. You,Your,Yourself:ThepersonorpersonsWeinsureassetoutintheSchedule 2. We,Our,Us:BajajAllianzGeneralInsuranceCompanyLimited 3. Accident,Accidental:Asudden,unintendedandfortuitousexternalandvisibleevent 4. Policy/MotorInsurancePolicy:PrivateCarPackagePolicyissuedbyUstowhichthiscoverisextended 5. Insured Vehicle: The vehicle insured by Us under the Motor Insurance Policy and as shown on the Schedule 6. PolicyPeriod:Theperiodbetweenandincludingthecommencementdateandexpirydateasshownin theMotorInsurancePolicySchedule 7. Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your personal details andtheinsurancecoverinforce 8. OwnDamageClaim:TheclaimsraisedbyYouagainstUsforlossordamagetotheInsuredVehicledue totheperilsmentionedunderSection1ofMotorInsurancePolicy 9. TotalLoss/ConstructiveTotalLoss:AlossundertheMotorInsurancePolicywheretheaggregatecost ofretrievaland/orrepairoftheInsuredVehicle,subjecttotermsandconditionsofthePolicy,exceeds 75%oftheIDVoftheInsuredVehicle 10. PartialLoss:Anylossfallingintoacategoryotherthan (a)thelossmentionedunderSr.No.9aboveand (b)theftoftheInsuredVehicle 2.2

EngineProtector

A. EndorsementWordings
Inconsiderationofpaymentofadditionalpremium,itisherebyagreedanddeclaredthatthisPolicyextendsto covertheconsequentialdamagetotheinternalchildpartsoftheengineoftheInsuredVehiclearisingoutof water ingression/ leakage of lubricating oil and/or damage to gear box of the Insured Vehicle arising out of leakageoflubricatingoilduetoAccidentalmeans.Underthiscover,WewillcompensateYouforthefollowing: a. Repairorreplacementoftheinternalchildpartsoftheenginesuchaspistons,connectingrods,crank shaftandcylinderhead b. Repair or replacement of the internal parts of the gear box such as gears or shafts in the gear box housing c. LabourcostincurredbyYoutooverhaulthedamagedengineandgearbox 2

B. Conditions
a. ClaimsmadebyYouagainstUsunderEngineProtectoraresubjecttothe conditionssetforthunder theMotorInsurancePolicy b. ClaimsmadebyYouagainstUsunderEngineProtectorwouldbeadmissibleif: ThereisevidencethattheInsuredVehiclestoppedinwaterloggedarearesultingintodamagetothe internalpartsoftheengineduetowateringression There is evidence of under carriage damage to engine and/or gear box leading to oil leakage and resultingintodamagetointernalpartsoftheengineand/orgearbox c.ThelossordamageisnotpayableunderMotorInsurancePolicy d.IncaseoftransferofownershipoftheInsuredVehicle,thecoverunderEngineProtectorshallexpire

C. YourObligations
a. You should avoid driving the Insured Vehicle through water logged area as far as possible. If it is unavoidable,thevehicleshouldbedriveninlowgearand/orhighengineRPMs b. YoushouldnottrytocrankorpushstarttheengineoncetheInsuredVehiclehadstoppedinthewater loggedareaorundercarriagedamagehadtakenplace c. YoushouldintimateOurnearestofficeforspotsurveyandtoobtainhelpfromanexperttechnician D. Exclusions WewillnotbeliabletoindemnifyYouforthefollowing: 1. Where a loss is covered under any other type of insurance policy with any other insurer or manufacturerswarrantyorrecallcampaignorunderanyothersuchpackagesatthesametime 2. Any consequential loss apart from the damage to the internal child parts of the engine due to water ingression/leakageoflubricatingoiland/ordamagetogearboxarisingoutofleakageoflubricatingoil duetoAccidentalmeans 3. Costofengineoilandconsumablesincaseofflushingofengine 4. LossordamageincludingcorrosionofengineduetodelayinintimatingUsordelayinretrievalofthe InsuredVehiclefromthewaterloggedarea 5. WherereasonablecarehasnotbeentakenbyYoutoprotectthelossordamagetotheInsuredVehicle If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of provingthattheydonotapply.

E. Definitions
ThewordsandphraseslistedhavespecialmeaningsWehavesetbelowwhenevertheyappearinboldtypeand initial capitals. Please note that references to the singular or to the masculine also include references to the pluralortothefemalethecontextpermitsandifappropriate. 1. 2. 3. 4. 5. 6. You,Your,Yourself:ThepersonorpersonsWeinsureassetoutintheSchedule We,Our,Us:BajajAllianzGeneralInsuranceCompanyLimited Accident,Accidental:Asudden,unintendedandfortuitousexternalandvisibleevent Policy/MotorInsurancePolicy:PrivateCarPackagePolicyissuedbyUstowhichthiscoverisextended InsuredVehicle:ThevehicleinsuredbyUsundertheMotorInsurancePolicy IDV:InsuredsDeclaredValue(SumInsured)oftheInsuredVehicleundertheMotorInsurancePolicy

7. TotalLoss/ConstructiveTotalLoss:AlossundertheMotorInsurancePolicywheretheaggregatecost ofretrievaland/orrepairoftheInsuredVehicle,subjecttotermsandconditionsofthePolicy,exceeds 75%oftheIDVoftheInsuredVehicle 8. PolicyPeriod:Theperiodbetweenandincludingthecommencementdateandexpirydateasshownin theMotorInsurancePolicySchedule 9. Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your personal details andthetypeofinsurancecoverinforce 10. OwnDamageClaim:TheclaimsraisedbyYouagainstUsforlossordamagetotheInsuredVehicledue totheperilsmentionedunderSection1ofMotorInsurancePolicy

2.3 24x7SPOTASSISTANCE

A. EndorsementWordings
In consideration of the payment of additional premium, it is hereby agreed and declared that You shall be entitledtooneormoreofthebelowmentionedbenefitsdependingontheplanoptedbyYouandasshownon theSchedule: a) FlatBattery:IntheeventoftheInsuredVehiclebeingimmobilizedduetoaflatbattery,Wewillmake alternative arrangements to make the Insured Vehicle mobile again provided the event has occurred within100kilometersfromthecenterpointofthecityofYourresidenceandtheInsuredVehiclehas notreachedaworkshop/repairer b) SpareKeys:IntheeventofYoulosingkeysoftheInsuredVehicle,Wewillarrangeforthepickupand deliveryofsparekeystothespotwheretheInsuredVehicleislocatedprovidedtheeventhasoccurred within100kilometersfromthecenterpointofthecityofYourresidenceandtheInsuredVehiclehas notreachedaworkshop/repairer c) FlatTyre:IntheeventoftheInsuredVehiclebeingimmobilizedduetoflattyres,Wewillarrangeforthe refilloftheflattyresand/orreplacementoftheflattyreswithausablesparetyretomaketheInsured Vehicle mobile again provided the event has occurred within 100 kilometers from the center point of thecityofYourresidenceandtheInsuredVehiclehasnotreachedaworkshop/repairer d) Minor Repairs: 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 pointofthecityofYourresidenceandtheInsuredVehiclehasnotreachedaworkshop/repairer e) TowingFacility:IntheeventoftheInsuredVehiclegettingimmobilizedasaresultofAccidentand/or breakdown,WeshallarrangefortowingawayoftheInsuredVehiclefromthespotofimmobilizationto Ournearestpreferredworkshopprovidedtheeventhasoccurredwithin100kilometersfromthecenter pointofthecityofYourresidence f) UrgentMessageRelays:IntheeventoftheInsuredVehiclegettingimmobilizedasaresultofAccident and/or breakdown, We will send urgent message on Your request to the specified persons through availablemeansofcommunication g) MedicalCoordination:IntheeventoftheInsuredVehiclemeetingwithanAccident,YoucancallUson our Toll Free Number, mentioned on the Schedule, to obtain details regarding the nearest medical centerthatcanprovideemergencyreliefservices h) FuelAssistance:IntheeventoftheInsuredVehiclebeingimmobilizedduetoanemptyfueltankand/or contaminatedfuel,Wewilleitherarrangeforsupplyof3litresofpetrolordieselonchargeablebasis 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 Vehiclehasnotreachedaworkshop/repairer i) TaxiBenefits:IntheeventoftheInsuredVehiclemeetingwithanAccident/breakdown,Wewillarrange forafreetraveloftheoccupantsoftheInsuredVehicletoasingledestinationwithinavicinityof50 kilometersfromthespotofimmobilizationthroughataxioranyothertransportationserviceprovided theeventhasoccurredwithin100kilometersfromthecenterpointofthecityofYourresidenceandthe 4

InsuredVehiclehastobetowedawaytoOurnearestpreferredworkshop. Anytravelbeyond50kilometerscanbecoveredonpaymentofadditionalamountasspecifiedbyUs.

In the unlikely event of We being unable to arrange for this service, We may request You to arrangeforataxitotransfertheoccupantsoftheInsuredVehicleonYourownandsubmitthe billsforaprecommunicatedamountforreimbursementtoUs.
j) AccommodationBenefits:IntheeventoftheInsuredVehiclemeetingwithanAccident/breakdown,We willprovideoccupantsoftheInsuredVehiclewithahotelaccommodationforonedayprovidedthe eventhasoccurredbeyond100kilometersfromthecenterpointofthecityofYourresidencebutwithin 100kilometersofanothercoveredcityandthetimetorepairtheInsuredVehiclewillexceed12hours fromthetimeofreportingtheincident. TheaccommodationbenefitswouldbeofferedsubjecttoaperdaylimitofRs.2000peroccupantanda 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 arrangeforahotelaccommodationfortheoccupantsoftheInsuredVehicleonYourownand submitthebillsforaprecommunicatedamountforreimbursementtoUs.
k) LegalAdvice:IntheeventoftheInsuredVehiclemeetingwithanAccident,Youshallbeentitledfora freelegaladvicefromalegaladvisoroverthephoneforamaximumdurationof30minutes.Subsequent totheexpiryofthespecifiedperiodof30minutes, You maycontinuewiththesamelegal advisoron directpaymentbasis

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 whichtheaggregateutilizationlimitis2timesduringthePolicyPeriod

C. Exclusions
WewillnotbeliabletoindemnifyYouforthefollowingevents:

1. Where the Insured Vehicle can be safely transferred on its own power to nearest dealer/workshop 2. AnyAccident,loss,damageand/orliabilitycaused, sustainedorincurredwhilsttheInsuredVehicleis 3.
beingusedotherwisethaninaccordancewiththelimitationsastouse Anyliability ofwhatsoevernature directlyorindirectly causedbyorcontributedto byorarisingfrom ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste fromthecombustionofnuclearfuel.Forthepurposeofthisexception,combustionshallincludeany selfsustainingprocessofnuclearfission AnyAccident,loss,damageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasioned by contributed to/by or traceable to or arising out of or in connection with war, invasion, the act of foreignenemies,hostilitiesorwarlikeoperations(whetherbeforeorafterdeclarationofwar),civilwar, mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequencesofanyofthesaid occurrences Anylossordamagecausedduetoriots,strikesandActofGodperilslikeflood,earthquakeetc. Claimspertainingtotheftlosses 5

4.

5. 6.

7. Anyconsequentiallossarisingoutofclaimslodgedunder24x7SpotAssistance 8. Wherealossiscovered underMotorInsurance Policyoranyothertypeofinsurance policywithany

other insurer or manufacturers warranty or recall campaign or under any other such packages at the sametime

9. Replacementcostofbatteryand/oranyassociatedrepaircost 10. Costofsupplyofpartsorreplacementselementsorconsumables 11. Repaircostoftyreand/orpartsorreplacementcostofanypartofconsumableatathirdparty

workshop/repairer

12. Anytaxes,levyandexpensesincurredinexcessofthelimitdescribedundertheplanoptedbyYou 13. LossofvaluablesandpersonalbelongingskeptintheInsuredVehicle 14. AnylossordamagetotheInsuredVehiclearisingoutofparticipationinamotorracingcompetitionor

trialruns

15. WhereitisprovedthatYouhaveabusedthebenefitsunder24x7SpotAssistance 16. Anylossordamagecausedduetopreexistingdamages 17. AnylossordamagearisingoutofinterventionofGovernmentAuthorizedAgencies,PoliceAuthoritiesor

LawEnforcingAgencies 18. Any loss or damage resulting from the use of Insured Vehicle against the recommendations of the ownersmanualand/ormanufacturersmanual 19. AnylossresultingfromYourdeliberateorintentionaland/orunlawfulorcriminalact 20. Benefits under Taxi Benefits and Accommodation Benefits for occupants in excess of the seating capacityaspertheregistrationcertificateoftheInsuredVehicle 21. AdditionalcostincurredintowingtheInsuredVehicletoadealer/workshopasspecifiedbyYouinstead toOurspecifiednearestauthorizedworkshop 22. ServicesorganizedwithoutOurpriorconsentforthevariousassistanceservices 23. IfYouorYourpersonalrepresentativeisalreadyatagaragefordeliveryoftheInsuredVehicleoratthe placeofrecoveryincaseoftheft 24. Mechanical and/or electrical breakdowns that require replacement of spare parts and/or specialized tools/equipmentsthatareusuallyavailableonlyinautomotiveworkshops If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of provingthattheydonotapply.

D. Definitions
ThewordsandphraseslistedhavespecialmeaningsWehavesetbelowwhenevertheyappearinboldtypeand initial capitals. Please note that references to the singular or to the masculine also include references to the pluralortothefemalethecontextpermitsandifappropriate. 1. You,Your,Yourself:ThepersonorpersonsWeinsureassetoutintheSchedule 2. We,Our,Us:BajajAllianzGeneralInsuranceCompanyLimitedand/ortheServiceProviderwithwhom Bajaj Allianz General Insurance Company Limited has entered into a contract to provide the benefits underthiscovertoYou 3. Accident,Accidental:Asudden,unintendedandfortuitousexternalandvisibleevent 4. Policy/MotorInsurancePolicy:PrivateCarPackagePolicyissuedbyUstowhichthiscoverisextended 5. InsuredVehicle:ThevehicleinsuredbyUsundertheMotorInsurancePolicy 6. PolicyPeriod:Theperiodbetweenandincludingthecommencementdateandexpirydateasshownin theMotorInsurancePolicySchedule 7. Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your personal details andthetypeofinsurancecoverinforce 6

E. ListofLocationswhere24X7SpotAssistanceServiceisavailable:
SNo MondialAssistanceLocations 1 Ahmedabad 2 Bangalore 3 Chennai 4 Chandigarh 5 Alleppey 6 Hyderabad 7 Ludhiana 8 Delhi 9 Mumbai 10 Pune 11 Surat 12 Coimbatore 13 Jaipur 14 Alwar 15 Gurgaon 16 Noida 17 Ghaziabad 18 Faridabad 19 Aurangabad 20 Thane 21 Bareilly 22 Bhatinda 23 Secunderabad 24 Agra 25 Ajmer 26 Allahabad 27 Bhilwara 28 Bhubaneswar 29 Chittorgarh 30 Cuddalore 31 Gandhinagar 32 Himmatnagar 33 Jalandhar 34 Dehradun 35 Erode 36 Gorakhpur 37 Hissar 38 Hoshiarpur 39 Indore 40 Jabalpur 41 Jammu 42 Jhansi 43 Jodhpur 44 Kanpur 45 Kollam 46 Kota 47 Kottayam 48 Madurai 49 Kochi 50 Mangalore 51 Kolkata 52 KURNOOL BAGICOFFICELOCATIONS AHMEDABAD BANGALORE CHENNAI CHANDIGARH NoOffice HYDERABAD LUDHIANA DELHI MUMBAI PUNE SURAT COIMBATORE JAIPUR NoOffice GURGAON NOIDA GHAZIABAD FARIDABAD AURANGABAD THANE NoOffice NoOffice SECUNDERABAD AGRA AJMER ALLAHABAD NoOffice BHUBANESHWAR NoOffice NoOffice GANDHINAGAR HIMATNAGAR JALLANDAR DEHRADUN ERODE GORAKHPUR HISSAR HOSHIARPUR INDORE JABALPUR JAMMU JHANSI JODHPUR KANPUR KOLLAM KOTA KOTTAYAM MADURAI NoOffice MANGALORE CALCUTTA NoOffice

53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106

Mysore Palakkad Malappuram Pathanamthitta Mansa Mathura Pune Rewari Rohtak Salem Mohali Tirupur Trichur Trichy Trivandrum Varanasi Vijayawada Motihari Belgaum Hassan Ambala Bikaner Nashik Karnal Nagpur Nellore Pathankot Raipur Sonipat Tirunelveli Tuticorin NaviMumbai Gwalior Cuttack Baroda Patiala Vizag Amritsar Patna Ranchi Dhanbad Asansol Kharagpur Hubli Panchkula Jamshedpur Panipat Godhra Perinthalmana Pondichery Rajahmundry Sirsa Tanjore Muzaffarpur

MYSORE PALAKKAD NoOffice PATHANAMTHITTA NoOffice NoOffice PUNE REWARI ROHTAK SALEM NoOffice TIRUPUR TRICHUR TRICHY TRIVANDRUM VARANASI VIJAYAWADA NoOffice BELGAUM HASSAN AMBALA BIKANER NASIK KARNAL NAGPUR NELLORE PATHANKOT RAIPUR SONIPAT TIRUNELVELI TUTICORIN MUMBAI GWALIOR CUTTACK BARODA PATIALA VIZAG AMRITSAR PATNA RANCHI DHANBAD ASANSOL KHARAGPUR HUBLI NoOffice JAMSHEDPUR NoOffice GODHRA NoOffice PONDICHERRY RAJAHMANDRY NoOffice NoOffice MUZAFFARPUR