FOUR WHEELER Phonepe COI2402072026533711912170
FOUR WHEELER Phonepe COI2402072026533711912170
FOUR WHEELER Phonepe COI2402072026533711912170
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Comprehensive Plan
Car Owner
SANJAY TYAGI
Insured Value
2,63,962
15 14
February February
Plan Coverages
This is a comprehensive plan that offers complete coverage for damages to your car as well as third-party liability for one year.
Own Damage
Accident Coverage for damages and losses to your vehicle resulting from accidents and collisions.
Fire Coverage for damages and losses to your vehicle resulting from accidental fires.
Theft Coverage for losses (up to the total declared insurance value) in the event of theft of your vehicle.
Calamities Coverage for damages and losses resulting from calamities such as earthquakes, floods, and cyclones.
Third Party
Covers financial or legal losses due to damage to any third-party person (unlimited) or property (up to Rs. 7.5
Third Party liability Lac).
Addons Selected
This add-on provides coverage for incidents such as key loss , outstation emergencies, and roadside
Extra Car Protect assistance for car breakdowns, all in one package.
Compulsory Personal This cover provides coverage ( Max Rs. 15 lakh) for bodily injury or death of the owner-driver in case of an
Accident Cover unfortunate accident.
Please refer to the addon detail page for more information.
Non-Accidental Damages Damages resulting from wear and tear, breakdowns, and mechanical failures.
Regular wear and tear of these items is not covered by the policy. However, if the items are damaged in an
Tyres & Tubes accident, they will be covered with a 50% depreciation cut.
If you are installing non-OEM parts such as halogen bulbs, stereos, or bifuel kits, please inform us in advance
Undeclared Non-OEM parts so that we can add them to your coverage.
QUICK In case of an accident or breakdown, all you have to do is inform ACKO, and we will take care of
TIP everything!
What are the reasons my claim might get rejected?
Aggravated loss
Aggravated loss refers to the damage caused to a vehicle resulting from its continued use after it has been damaged in an
accident
Illegal Driving
Damage resulting from a person driving the car without a valid driving license or under the influence of liquor/drugs is not
covered under this policy.
We understand that accidents are unpredictable. Therefore, you can rely on our 24x7 support whenever you need insurance
assistance. We are just a call or click away!
You can view/edit/update your policy details & coverages on Acko App.
Sit back, relax, and let Acko High quality repairs at Acko 1 year repair warranty on your
handle your car repairs at the garages with genuine & car's repaired parts at Acko
Acko garage! certified parts! garage!
*Above benefits are applicable for repairs at acko garages which are multi-brand garages which provide high qulaity repairs in selected cities
Depreciation Cuts Deduction in the claim amount by insurers due to the wear and tear of car parts. This is covered if your car insurance
Not Covered policy has zero depreciation add-on or coverage.
QUICK If you don't make any claims during your policy period, you'll be eligible for an increased No Claim
TIP Bonus discount.
Car & Premium details(Private Car Package Policy)
Certificate of insurance cum policy schedule
Car details
Hypothecation NA
Addon(s) Premium
Net Own Damage Premium (A) 1,191.68 Net Liability Premium (B) 3,815.00
Previous Policy document is required in case of claim within 30 days of Acko Policy Start Date
QUICK
In case you need ACKO's GSTIN, here it is - 27AAOCA9055C1ZJ
TIP
Things to know about calculation of depreciation during claims
What is Depreciation? It is the factor that affects the value of car & it's parts with time due to wear and tear so the insurer considers
depreciation factor and would pay you the claims only after deducting the depreciation. If you already have a Zero depreciation plan you
may not worry about these deductions due to depreciation.
For all plastic, rubber, nylon parts & batteries 50% Under 6 months 0%
Planning to Looking to
buy new insure your
insurance? health?
QUICK
Now you can view your pending e-challans at Acko app
TIP
Selected Addon's Explained
Extra Car Protect
UIN: A0003V01201920/A0007V01201819/A0008V01201819
Extra, but necessary ! we all need little help sometimes!
1. Towing service in both accidental & non accidental events (electrical or mechanical failures), To the nearest brand authorized
or Acko Preferred workshop whichever is applicable up to 40 kms only. Post 40 kms the customer has to bear the charges.
a. Roadside repair services for vehicle breakdown events mentioned below
i. Battery Jumpstart
ii. Flat Tyre assistance (change of tyre if stepney is available)
iii. Fuel delivery up to 5 litres once in a year (fuel cost will be borne by user)
iv. Key locked assistance
v. Taxi arrangement (fare charges will be borne by user)
2. In the event of the Insured Vehicle being immobilized due to a breakdown/accident outside the 100 kilometers radius of the
insured's city of residence, Acko will cover the overnight stay expenses (up to Rs 6500.0) during the policy period
3. Protects you from the cost (max. Rs.7000.0) incurred towards replacing your Vehicle's key if the key is lost, stolen or
damaged, or repairing the lock-set, if the lock-set or key is damaged.
QUICK
Add-ons are just like toppings on pizza, they enhance coverage of your car insurance policy!
TIP
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.
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. 750000.0
3. P. A. Cover under Section III for Owner - Driver (CSI): Rs. 1500000.0
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”.
Intermediary details:
PhonePe Insurance Broking
Policy issue office Mumbai Intermediary name
Services Pvt. Ltd
Phone number 080-68727888 Intermediary code 918
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. This policy is to be read in conjunction with the policy wordings
(https://www.acko.com/download) available on the website of the company. On renewal, the benefits provided under the policy and/or terms
and conditions on the policy including premium rate may be subject to change. In case of any kind of total loss or theft, settlement will be
done after adjusting for subsidy. 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.
Prohibition of rebated (section 41) of the insurance act - 1938 (as amended)
1. No person shall allow or offer to allow, either directly or indirectly as an inducement to any person to take out or renew or continue and
insurance in respect of any kind or risk relating to lives or property in India, any rebate of the whole or part of the commission payable or
any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate
expect such rebate as may be allowed in accordance with the prospectus or tables of the Insurer.
2. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to 10 lakh rupees.
We wish to inform you that the Insurance policy number BCCA10141472367/00 has been issued on the basis of the information and
declaration given by you, the transcript whereof is 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.
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 of CGST Rules 2017. We are not required to prepare an invoice In terms or the provisions or the
said sub-rule.