Relax. We’ve got you covered.

Mr. Deepak H C
ECHANUR AT P
TIPTUR TQ
Tumkur 572201, Karnataka
Contact: +91 8296707902

Dear Deepak H,

A warm welcome from all of us.

You’ve made a great choice by selecting Zuno Private Car Liability Only Insurance. Your Policy No. is
950025767.
We’re going to do our best to provide you amazing service at all times. Count on us to always give you
the full picture, and to be completely fair and honest.
After reading this letter, do take a little time to download and go through the relevant policy information
on our website www.hizuno.com. It will help you know all the important details of the cover you now
enjoy. We know that insurance documents can make simple things sound difficult, but we really think
you should read them, because this is important!

The above information bears the main features and benefits, of course, and just as importantly, the
features which are not covered under your policy.

You can download the relevant policy information by following the steps given below:
· Visit www.hizuno.com
· Visit product page
· Select the desired product
· Download the relevant policy information

We’re just a call or an email away if you need to ask us something.

Write to us at [email protected] or call us at 1800 12000.
Once again, we’re delighted to have you with us.

Warm regards,

Shubhdarshini Ghosh
Executive Director & CEO

Zuno General Insurance Limited, (Formerly known as Edelweiss General Insurance Company Limited) Registered Office: 2nd Floor,Tower 3, Wing B, Kohinoor City
Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free),
022 42312000 (Call charges applicable) Email: [email protected], Website: www.hizuno.com, Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal
Officer: +91 22 4931 4422, Dedicated Toll-Free Number for Grievance: 1800 120 216216. Trade logo displayed above belongs to Zuno General Insurance Limited
under license.
1
Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
Objects in this document
are simpler than they seem.

Zuno Private Car Liability Only Insurance

Policy Schedule

Intermediary Name: Girnar Insurance Brokers Private Limited

Intermediary Reference Code: 2210000456 Contact: NA

Policy Details
Policy Servicing Office: CORPORATE OFFICE Policy No. 950025767
Period of Insurance: From 00:00:00 of 23/04/2023 to 23:59:59 of 22/04/2024
Period of Insurance CPA Cover: From 00:00:00 of 23/04/2023 to 23:59:59 of 22/04/2024
Insured's Name: Mr. Deepak H C Insured's GST No.: NA
Insured's Address: ECHANUR AT P, TIPTUR TQ, Tumkur 572201, Karnataka
Insured's ID: 1001459696 Policy Issued On: 24-Apr-2023
Co-insurance Details: N.A Geographical Area: India
Proposal/Cover Note No.: 184847390 Zone: A

We love your car, too.

Here are your car’s important details. Please check if you’ve provided the correct ones?

Vehicle Details
Registration Mark Engine No. Chassis Make Model Variant CC Year of Seating
& Place of Registration No Manufacture Capacity
including driver
KA-05-MM 5505 AMBITION
CLN22230 TMBBLJNA5C
BANGALORE SOUTH SKODA RAPID PLUS 1.6 1,598.00 2012 05
4 G030338
(JAYANAGAR) TDI CR MT

How have we worked out your premium?

‘Liability’ means the damage to someone else.

Liability
Base Premium including Premium Add:
for TPPD `7,897.00 PA
Total `7,897.00 1) PA Owner Driver `220.00
Sub Total (additions) `220.00
Legal Liability
2) Legal Liability To Paid Drivers `50.00
Sub Total (additions) `50.00
TOTAL LIABILITY PREMIUM `8,167.00
IGST Amount @ 18% `1,470.06
FINAL PREMIUM `9,637.06

2
Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 Note:- “As per Section 34(2) of the CGST Act 2017, GST will not be refunded/adjusted for any cancellation /endorsement/
deletion/refund after 6 months from the end of the previous financial year in which the policy was issued”.
P.A. Cover for Owner – Driver under section III (CSI) - ` 15,00,000

Did you love someone else before we met?

It’s OK, we’ll deal with it. Here are the details of your last insurer.

Previous Insurer: NA
Previous Policy No.: NA Expiry on: NA

Who’s your nominee?

It’s always good to have a Nominee, and you did the right thing by naming one. Given below are the details.

Name and Age of Nominee: LEGAL HEIR & 62 Years Relationship with insured: Father
Name of Appointee (If Nominee is minor): NA
Relationship of Appointee with Nominee: NA

Red, orange or green?

What kind of loss/damage is covered, and what isn’t? As a thumb rule, here are a few things you should remember.

· Use of the vehicle:

The Policy covers the use of the vehicle for any purpose except Motor Trade, Hiring or Reward, Carrying Goods (other than samples
or personal luggage), Organized Racing, Pacemaking, Speed Testing, Reliability Trials etc.
· Who can drive?
The driver can be anybody including the insured, provided he/she holds an effective driving license at the time of the accident and is
not disqualified from holding a driving license. However, the driver must satisfy the requirements of Rule 3 of the Central Motor
Vehicles Rules, 1989.
· Loss/damage to others:
Section II-1 (i) of your policy, covers you for liability for an amount of `7,50,000/ in case of loss/damage to someone else’s property, or
unlimited liability for injury/death to other third parties in case you have an accident.

This is most important! Slow down here.

Although we’d love to cover your vehicle without exception, we can’t. Your policy covers loss to your vehicle only if all the terms are
met.
And any payment we make because of terms appearing in this Schedule, or to comply with the Motor Vehicles Act, 1988, is
recoverable from you.You should definitely read the clause, ‘Avoidance of certain terms and right of recovery’ in your Policy Wording.
Warranted that the Assured named herein/owner of the vehicle insured holds a valid Pollution Under Control (PUC) Certificate on the
date of commencement of the Policy and renews and maintains valid and effective PUC Certificate during the duration of the Policy
period. If the PUC is not found valid on the date of loss, the company shall repudiate any claim made under the Policy.
Please make sure that the vehicle details mentioned in your policy are correct, regarding the make, model, number of wheels, usage,
tonnage, etc of your vehicle. If any of these details do not match, it will count as fraud, and your policy will stand cancelled right from
the start. If there's any such mistake in your Policy Schedule/Document, let us know within 15 days of getting it.
Subject to IMT - 28 Endt. Nos. & Memorandum..... Printed/attached here.
Date of duly signed proposal 24-Apr-2023
In Witness whereof this Policy has been signed at: CORPORATE OFFICE on this 24th day of Apr 2023
Receipt No.PP776254 Date.. 24-Apr-2023
Consolidated Stamp duty Paid vide Letter of Authorisation No. CSD/558/2022/39 dated 02-Jan-2023 at General Stamp Office, Mumbai.
Received premium payment of ` 9,637.06 vide instrument / reference number YUR31850399065 dated 24-Apr-2023 against receipt
number PP776254
It is certified that your Policy and this Schedule have been issued according to the provisions of Chapter X and Chapter XI of the
Motor Vehicles,Act, 1988.

3
Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
Address of Issuing Office: 2nd Floor, Tower 3, B Wing ,
Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla For Zuno General Insurance Limited
(W), Mumbai 400070
Date of Issue:24/04/2023

Signature Not Verified

Digitally signed by DS ZUNO GENERAL INSURANCE LIMITED 01
Date: 2023.04.24 05:03:28 IST Authorized Signatory
Reason: Authentication
Location: Mumbai
Tax is not payable under reverse charge by the recipient
GST Registration No.: 27AAECE2328J1ZO HSN/SAC Code : 997134
Description of Good or Service : General Insurance Service Place of Supply
State: Karnataka Code: 29
We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the
aggregate turnover notified under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of the
said sub-rule.

Zuno General Insurance Limited, (Formerly known as Edelweiss General Insurance Company Limited) Registered Office: 2nd Floor,Tower 3, Wing B, Kohinoor City
Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free), 022
42312000 (Call charges applicable) Email: [email protected], Website: www.hizuno.com, Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal
Officer: +91 22 4931 4422, Dedicated Toll-Free Number for Grievance: 1800 120 216216. Trade logo displayed above belongs to Zuno General Insurance Limited
under license.
4
Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
TRANSCRIPT OF THE PROPOSAL
Product Details Valid from (dd-mmm-yyyy) 23/04/2023
Product Name Private Motor Car Multiyear Valid to (dd-mmm-yyyy) 22/04/2024
Product Type Liability Only Fitness Cerficate Valid upto NA
Business Type Rollover Previous History
Proposal Details Date of Purchase NA
Gender Male Vehicle was New or Second Hand at New Car
Proposer Title Mr. the time of purchase
Proposer Name Deepak H C Vehicle be used exclusively for NA
Proposer DOB *** Private, Social, Domestic, Pleasure &
ECHANUR AT P, TIPTUR
Proposer Address with Pincode TQ, Tumkur 572201, Professional Purpose
Karnataka
Contact Number 8296707902 Carriage Goods other than sample or NA
ssgroupsinsurance@gmail.
Email ID com
personal luggage
PAN Number NA Vehicle in Good Condition (Yes/No) NA
GST Number NA If No (Not in Good Condition) - Details NA
Occupation Medium to High Has any company, in respect of the NA
Policy Period (OD) risk to which this Proposal relates,
Policy Start Date ever
Policy Start Time A) Declined a proposal, refused NA
Policy End Date renewal or terminated insurance
Policy End Time B) Required an increased premium or NA
Policy Period (3 Year TP) imposed special conditions
Policy Start Date 23/04/2023 Detail if A or B selected as "Yes" NA
Policy Start Time 00:00:00 Previous Insurance Details
Policy End Date 22/04/2024 Insurer Name NA
Policy EndTime 23:59:59 Policy Number NA
Policy Period (CPA) Policy Expiry Date NA
Policy Start Date 23/04/2023 Type of Cover NA
Policy Start Time 00:00:00
Policy End Date 22/04/2024 Claim Lodged NA
Policy EndTime 23:59:59 Claim Year NA
Vehicle Details Number of Claims NA
Registration Number KA-05-MM 5505 Claim Amount NA
BANGALORE SOUTH
Registration Place (JAYANAGAR)
Nominee Details
Registration Date 21/01/2013 Nominee Name LEGAL HEIR
Engine Number CLN222304 Nominee Age 62 Years
Chassis Number TMBBLJNA5CG030338 Relation with Proposer Father
Vehicle Make SKODA Date of Birth 21.04.1961
RAPID & AMBITION PLUS NA
Vehicle Model and Variant Name of the Appointee (for Minor)
1.6 TDI CR MT
Cubic Capacity / GVW / HP 1,598.00 Relationship to the Nominee NA
Seating Capacity (Including Driver) 05 Insured Declared Value (IDV)
Carrying Capacity 05 Vehicle IDV 0.00
Colour Non Electrical Accessories IDV 0.00
Fuel Type DIESEL Electrical Accessories IDV 0.00
Body Type Saloon Trailer IDV 0.00
Year of Manufacture 2012 Fuel Value (CNG / LPG) IDV 0.00
Transmission Type NA Fuel discerption for
Vehicle Usage Non Conventional Source
Car Parking Place Proposed Coverage
Financier Details Type of Cover
Financier Type Geographical Area Extn. yes
Financier Name Geographical Area India
Financier Address Imported Vehicles without Custom
5
Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 PUC Details Duty
PUC Number Fibre Glass Tanks NO

Vehicle Used for Driving Tuition NO Infirmity Details

Name of Automobile Association NO Involved / Convicted For Causing Any
Membership No Accident/Loss
Date of expiry of membership Pending Prosecutins Details
Annual Mileage Date Of Accident
Voluntary Discount Loss /Cost
Anti-Theft Discount Circumstance Of Accident / Loss
Auto Mobile Association Discount Addon Cover
Vintage Car Consumable Expenses Protect
Used Confined to Own Premises Key and Locks Protect
Discount NCB Protect
Handicapped Discount Mandatory Deduction Protect
Restricted TPPD Personal Belongings Protect
Owner Driver Yes Depreciation Protect
PA Unnamed Passenger SI Engine Protect
PA Unnamed Passenger Number Invoice Value Protect
Emergency Medical Expenses
PA Named Passenger Number
Protect
PA Named Passenger - Name Road Side Assistance
PA Named Passenger - CSI Pillion Protect
PA Named Passenger - Nominee Personal Accident Protect
PA Named Passenger - Relations Tyre Protect
Legal Liability To Employees
EMI Protect
Number
Key and Locks Protect Plus
Consumables Expenses Protect Plus
Pay as You Drive
Pay How You Drive
Payment Details
Legal Liability To Paid Drivers `50.00 Payment Mode NEFT
Legal Liability To Other than Paid Instrument Date 24-Apr-2023
Drivers Instrument / Reference Number YUR31850399065
Legal Liability To Employee who Premium Amount ` 9,637.06
are not "Workman" Intermediary Details
Girnar Insurance Brokers
Driver Details Intermediary Name Private Limited
Driver Name Intermediary Reference Code 2210000456
Driver Relationship with the Intermediary Contact Number NA
Proposer SELF Intermediary Email
Driver Date of Birth Intermediary Sales Person's Name
Driver Occupation Intermediary Sales Person's Contact
Experience - No. of Driving Years 1 Servicing Branch Name
Driver Suffer from Defective vision Servicing Branch Code
or Hearing or any Physical Infirmity

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

I want the physical copy of the policy documents to be sent to my address, as mentioned in the proposal form
* These documents will figure in phyical form unless our system allows upload of information. There should be a corresponding sentence in this box and
it should read as 'Documents related to and submited in pursuance to this proposal shall form part of this proposal.'
*The information, together with all statements, disclosure, representation and declaration, received from you (proposer), as has been reproduced above,
forms the basis of the insurance policy issued to you. Please inform us (insurer) immediately in case of any error or omission contained in such information.
Proposal Transcript Generation Date: 23/04/2023 Time: 00:00:00
As a go-green initiative, Zuno General Insurance Co. Ltd. shall be sending the policy documents to your e-mail address, as provided by you in
this proposal form.

Zuno General Insurance Limited, (Formerly known as Edelweiss General Insurance Company Limited) Registered Office: 2nd Floor,Tower 3, Wing B, Kohinoor
City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free),
022 42312000 (Call charges applicable) Email: [email protected], Website: www.hizuno.com, Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal
Officer: +91 22 4931 4422, Dedicated Toll-Free Number for Grievance: 1800 120 216216. Trade logo displayed above belongs to Zuno General Insurance Limited
under license.

6
Zuno Private Car Liability Only Insurance | UIN No:IRDAN159P0001V01201718
 Zuno General Insurance Limited
Acknowledgment of Premium Receipt
Registered Office Address: 2nd Floor, Tower 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla
(West), Mumbai 400070
Issuing Office Address: 2nd Floor, Tower 3, B Wing , Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla
(W), Mumbai 400070
Product Name: Private Motor Car Multiyear

Policy No.: 950025767

Office code: 10 Office location: Karnataka

Receipt No: PP776254 Receipt generation date/time: 24-Apr-2023

Intermediary/agency name: Girnar Insurance Brokers

Intermediary/agency code: 2210000456
Private Limited
Policyholder’s ID: 1001459696 Name of policyholder/financier: Mr. Deepak H C

Payment received from: Deepak H C Mode of payment: NEFT

Instrument/transaction No: YUR31850399065 Cheque drawn on: -

Instrument date: 24-Apr-2023

Consolidated stamp duty paid vide letter of authorisation No. CSD/558/2022/39 dated 02-Jan-2023 at General
Stamp Office, Mumbai.

Branch Address: 2nd Floor, Tower 3, B Wing , Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (W),
Mumbai 400070
Note:Premium amount is inclusive of GST.

Zuno General Insurance Limited, (Formerly known as Edelweiss General Insurance Company Limited) Registered Office: 2nd Floor,Tower 3, Wing B, Kohinoor City
Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free), 022
42312000 (Call charges applicable) Email: [email protected], Website: www.hizuno.com, Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal
Officer: +91 22 4931 4422, Dedicated Toll-Free Number for Grievance: 1800 120 216216. Trade logo displayed above belongs to Zuno General Insurance Limited
under license.
7
Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718