To, Date:20/06/2024

Mr Prakash Shivappa Yadahalli

So Shivappa,Opp Lions School Extenton Area,Bagalkot,
Bagalkot Bazar,Bagalkot,
Karnataka-587101,
India
8310280938
Subject: Policy Number: P012006241653872 (Please use this when making any enquiries)

Dear Customer,
Welcome to SBI General. Thank you for choosing SBI General’s “Private Motor 4 wheeler” policy. We are delighted to have you as our esteemed
customer. We enclose the following documents pertaining to your policy:

• Policy Schedule
• Policy clauses & wordings
• Premium Receipt
• Grievance redressal letter
• Product specific attachment

Please ensure the safety of these documents as they form part of our contract with you.

We have taken care that the documents reflect details of risk and cover as proposed by you. Some of the most important facts that we have reliedon in
issuing your policy are:
Make of vehicle MAHINDRA & MAHINDRA
Model SCORPIO
Variant N
Year of Manufacture 2022
No Claims Bonus (NCB) 20%
Night Parking Pincode 587101
Insured Declared Value 1750000

If any of the above captured information is incorrect, we request you to get in touch with our customer care team so that it may be changed.

We recommend that you read the policy documentation carefully and contact us if there is anything you would like to discuss. It is important to us that
we have all of your personal and other details recorded accurately so that we can provide you with fast and efficient service. Please contact us to update
these details as necessary.

SBI General is ready to assist you in relation to this product and all your general insurance needs. For your convenience, you are able to choose how to
contact SBI in several convenient ways:

By email: [email protected]
By phone: 1800-22-1111(For MTNL/BSNL users) or 1800-102-1111 (for other users)

Or visit us to the SBI General Branch that is nearest to you:

SBI General Insurance Company Limited

9th Floor, A & B Wing, Fulcrum Business Centre, Sahar Road, Ashok Nagar,
Andheri (East), Mumbai
Maharashtra- 400 099,
India

We thank you for your business and the trust you have placed in us purchasing this general insurance policy.

Yours Sincerely,

Authorized Signatory
SBI General Insurance Company Limited
Registered and Corporate office: 9th Floor, A & B Wing, Fulcrum Business Centre, Sahar Road, Ashok Nagar, Andheri (East), Mumbai - 400 099.

“SBI General Insurance Products are not a Product of SBI”. Page 1

 PRIVATE CAR CERTIFICATE OF INSURANCE CUM POLICY SCHEDULE

Important Note: 1) The Validity of this Certificate of Insurance cum Schedule is subject to realization of the premium cheque. 2) This Insurance Policy cover is valid subject
to availability of Complete and Correct Registration Number within 15 days from the Date of Commencement of this Policy.

Policy Issuing Office : 9th Floor, A & B Wing, Fulcrum Business Centre, Sahar Road, Ashok Nagar, Andheri (East), Mumbai - 400 099.

Policy Number : P012006241653872 Policy Servicing Branch : 00003-Bangalore

Insured Name : Mr Prakash Shivappa Yadahalli
Address : So Shivappa,Opp Lions School Extenton Area,Bagalkot,
Bagalkot Bazar,Bagalkot,
Karnataka-587101
Customer Contact Details : 8310280938
Period of Insurance : From: 20/06/2024 13:54:03 hrs to: 19/06/2025 Midnight
Geographical Area : India

Active Third-Party Policy Details

Active Liability only Policy Insurer Name IFFCO Tokio General Insurance Co. Ltd
Active Liability Policy Number 45646576
Active Liability Only Policy Start Date and Time 20/06/2022
Active Liability Only Policy End Date and Time 19/06/2025
THIS IS STAND ONLY OD INSURANCE POLICY AND DO NOT COVER THIRD PARTY INSURANCE.

INSURED MOTOR VEHICLE DETAILS INSURED’S DECLARED VALUE(IDV) (in Rs.)

Make MAHINDRA & MAHINDRA Vehicle 1750000
Model & Variant SCORPIO&N
Year of Manufacturing 2022 Trailer
Registration Number KA-29-P-1339
Engine Number YDN4K61662 Non Electrical Accessories 0
Chassis Number MA1TJ2YD6N6K90232
Cubic Capacity 2184 Electrical Accessories 0
Seating Capacity (Including Driver) 7
Type of Body SUV CNG / LPG Kit 0
RTO Location Name BAGALKOT | KA Total IDV 1750000

LIMITATION AS TO USE : As per Motor Vehicle Rules, 1989,

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.

DRIVERS CLAUSE: 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 Vehicle Rules, 1989.

LIMITS OF LIABILITY: a. Under Section II-1(i) of the Policy-Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicle
Act, 1988. b. Under Section II (1)(ii) of the Policy-Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured
up to the limits specified Upto Rs.750000/-. c. PA Cover for owner-driver under Section-III CSI - Rs. /-
Deductible under Section-I: (i) Compulsory deductible Rs.2000/- (ii) Voluntary deductible Rs.0/- (iii) Additional Compulsory deductible Rs. /-.
Special Conditions: Warranted all damages existing prior to inception of risk are excluded from the scope of policy.

NO CLAIM BONUS:
The Insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the Policy, if no claim is made or pending during the preceding year(s), as follows: The
preceding year – 20%; Preceding two consecutive years – 25%; Preceding three consecutive years – 35%; Preceding four consecutive years – 45%; Preceding five
consecutive years – 50%.The No Claim Bonus will only be allowed provided the Policy is renewed within 90 days of the expiry date of the previous policy.

INTERMEDIARY DETAILS
Intermediary Name : D2c Insurance Intermediary Code : 0033645
Brokin
Contact Details : Mobile No : Landline No :

NOMINATION DETAILS
Name of the Nominee Date of Birth Relationship with Proposer Name of Appointee (if Nominee is Minor)

“SBI General Insurance Products are not a Product of SBI”. Page 2

 SHIVAPPA 01/01/1956 Father

PREMIUM COMPUTATION TABLE

OWN DAMAGE SECTION

Cover Sum Insured No. of PREMIUM (Rs.)

persons
Own Damage Premium for Vehicle & 1750000.00 11700.00
Accessories (Amount will be including
all tariff covers & discounts & Other
Loading / Discount)
SBIG Add on Covers

Depreciation Reimbursement 7000.00

Basic road side assistance 130.00

Return to Invoice 3325.00

Engine Guard 3500.00

Cover for consumables 4375.00

Key Replacement 500.00

NCB Details
No Claim Bonus (In %) 20

Total Own Damage Premium (A) 30530.00 Total Third Party Liability Premium (B) 0
Subject to I.M.T Endorsement Nos. : TOTAL POLICY PREMIUM (A+B) 30530.00
IMT-22 Kerala Flood Cess @ 1%
Subject to SBIG Add-On Endorsement Nos.: GST Taxes 5495.00
Total Premium Collected 36025.00
Hire Purchase/ Lease /Hypothecated with :

Premium Collection details: Receipt No.:,Receipt Date:20/06/2024

For claims, Please contact us at Toll Free number For Roadside Assistance Service,
MTNL/BSNL users – 1800-22-1111 Name –MyTVS-1800-266-6800
Other users – 1800-102-1111

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.
For and on behalf of SBI General Insurance Co. Ltd

Authorized Signatory

Consolidated Stamp Duty Rs. 0.5 paid towards Insurance Policy Stamps vide Order No. Dated 2017-09-06 15:18:58.425 of General Stamp Office, Mumbai

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 inorder to comply with the Motor Vehicle Act,1988 is recoverable from the Insured.See the clause headed “AVOIDANCEOF CERTAIN TERMS AND RIGHT OF
RECOVERY”. For legal interpretation English version will be good.

Policy printed by: 0033645 on Date: 20 June 2024 Time 13:59:13

“SBI General Insurance Products are not a Product of SBI”. Page 3

Disclaimer: Please examine this Policy including attached Schedules / Annexure if any. In the event of any discrepancy please contact the office of the Company immediately,
it being noted that this Policy shall be otherwise considered as being entirely in order. Please find claims settlement & grievance redressal procedure document attached herein
for ready references.

Branch Office Address:

Reference No:
9th Floor, A & B Wing, Fulcrum Business Centre, Sahar Road, Ashok Nagar,
Andheri (East), Mumbai
India, OF Receipt No:

Maharashtra -400 099

Date: 20/06/2024

Branch Code: 00003

Party/Depositor ID:

RECEIPT

Received with thanks from Prakash Shivappa Yadahalli

an amount of Rs36025 (Rupees And thirty-six thousand and twenty-five)
by Cheque
No: 000021
ACD Acc No:
ACD TransactionNo/InstrumentNo : 000021
Dated : 20/06/2024
Drawn on Bank : BANK OF BARODA
Branch: BABURAYANKOPPAL,MAIN ROAD , BABURAYANKOPPAL , SRIRANGAPATNA TALUK , BABURAYANKOPPAL , 571807

Party ID Quote/Policy/Claim No. Name of Party Amount(Rs.)

P012006241653872 Prakash Shivappa Yadahalli 36025

TOTAL 36025

Disclaimer For and on behalf of

SBI General Insurance Co. Ltd.
1)Receipt subject to realisation of instrument submitted

2)Kindly refer to the policy document for time of commencement of cover

Authorized Signatory

SBI
Registered and Corporate office: 9th Floor, A & B Wing, General
Fulcrum Insurance
Business Company
Centre, Limited
Sahar Road, Ashok Nagar, Andheri (East), Mumbai - 400 099. “SBI General
Insurance Products are not a Product of SBI”.

“SBI General Insurance Products are not a Product of SBI”. Page 4

 PRIVATE CAR PACKAGE POLICY

ENDORSEMENT WORDINGS
Attached to and forming part of the Schedule to the Policy No: P012006241653872

ENDORSEMENT DESCRIPTION

IMT-22 - Compulsory Deductible

Notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the insured shall bear under Section 1 of the policy in respect of
each and every event (including event giving rise to a total loss/constructive total loss) the first Rs.............* (or any less expenditure which may be incurred) of any
expenditure for which provision has been made under this policy and/or of any expenditure by the insurer in the exercise of his discretion under Condition no …** of this
policy

If the expenditure incurred by the insurer shall include any amount for which the insured is responsible hereunder such amount shall be repaid by the insured to the
insurer forthwith.

For the purpose of this Endorsement the expression "event" shall mean an event or series of events arising out of one cause in connection with the vehicle insured in
respect of which indemnity is provided under this policy.

Subject otherwise to the terms conditions limitations and exceptions of this Policy.

* (i) to insert amount as appropriate to the class of vehicle insured as per GR.40 of the tariff.

(ii) in respect of a vehicle rated under the Tariff for Private Car and in respect of a motorised two wheeler not carrying passengers for hire or reward, if any deductible in
addition to the compulsory deductible provided in this endorsement is voluntarily borne by the insured, the sum representing the aggregate of the compulsory and the
voluntary deductibles is to be inserted.

** to insert Condition no 3 in respect of a vehicle rated under Tariff for Private Car/Two wheelers or Condition no 4 in respect of a vehicle rated under the Tariff for
Commercial Vehicles.

EME - Emergency Medical Expense

This cover is applicable if it is shown in your policy schedule.

What is covered?
We will pay emergency medical expenses incurred by you upto the sum insured mentioned in the policy schedule due to for treatment of bodily
injury/ies sustained by You or any occupant of the vehicle in direct connection with vehicle insured or whilst mounting and dismounting from or
driving or travelling in the insured vehicle and caused by violent, accidental external and visible means and required treatment is taken in a
Hospital / Nursing Home. Ambulance Charges incurred by you for hiring an Ambulance for shifting you or occupant from the site of accident to the
Hospital / Nursing Home is also covered up to the limit of Rs.2500.

What is not covered?

• Any expenses related to a sickness, disease or medical disorder not directly consequential to accident.
• Any expenses towards psychosomatic disorders of any kind, whether caused or accentuated by accident or otherwise.
• Any physiotherapy treatment.
• Any expense not supported by an original and valid bill / receipt and related prescription of the attending Medical Practitioner / Hospital /
Nursing Home.
• Expenses, if the treatment is started after 5 days from the date of Accident
• Not more than sum-insured as mentioned in the schedule during any one year of policy.
• Any expense arising or resulting from or traceable to intentional self-injury, suicide or attempted suicide physical defect or infirmity.
• Any expense arising or resulting from or traceable to an accident happening whilst You are under the influence of intoxicating liquor or
drugs.

Subject otherwise to the terms exceptions condition & limitations of the policy

“SBI General Insurance Products are not a Product of SBI”. Page 5

 GST TAX INVOICE

GST Invoice No: GST Invoice Date: 20/06/2024

GSTIN/ Unique
No: (SBI 27AAMCS8857L1ZC SBI General State Maharashtra
General)
SBI General SBI General Insurance Company Limited
Branch 9th Floor, A & B Wing, Fulcrum Business Centre, Sahar Road,
Address: Ashok Nagar, Andheri (East),
Mumbai - 400 099.
1000000108

Details of Policy Holder:

Name: Mr Prakash Shivappa Yadahalli

Address: So Shivappa Opp Lions School Extenton Area Bagalkot,Bagalkot Bazar,Bagalkot,Karnataka-587101,India

Policy Holder Karnataka

State

GSTIN/ Unique Policy Number P012006241653872

No:

Insurance HSN Code Premium CGST SGST/UTGST IGST

Product Name
(without Taxes) Rate Amount Rate Amount Rate Amount
Private Motor 4 - 30530.00 - - - - - -
wheeler

Total Invoice
Value (In 36025.00
Figures)

Taxes 5495.00
Applicable

Authorized Signatory

SBI General Receipt Date: 20/06/2024

Receipt No:

“SBI General Insurance Products are not a Product of SBI”. Page 6

 PRIVATE CAR PACKAGE POLICY

PRIVATE CAR INSURANCE POLICY – STANDALONE ANNUAL OWN DAMAGE PACKAGE

Where as the Insured by aproposa land declaration dated as stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated
herein has applied to SBI GENERAL INSURANCE COMPANY LIMITED (hereinafter called “the Company”) for the insurance hereinafter contained and has paid
the premium mentioned in the Schedule as consideration for such insurance in respect of accidental loss or damage occurring during the period of insurance.

NOW THIS POLICY WITNESSETH:

That subject to the Terms Exceptions and Conditions contained herein or endorsed or expressed hereon

SECTION I – LOSS OF OR DAMAGE TO THE VEHICLE INSURED

1) The Company will indemnify the Insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon
I. by fire explosion self-ignition or lightning ;
II. burglary housebreaking or theft ;
III. by riot and strike;
IV. by earthquake (fire and shock damage);
V. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;
VI. by accidental external means;
VII. by malicious act;
VIII. by terrorist activity;
IX. whilst in transit by road rail inland-waterway lift elevator or air;
X. by landslide rockslide.
Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:

(1) For all rubber/ nylon / plastic parts, tyres , tubes,batteries and air bags - 50%
(2) For fibre glass components – 30%
(3) For all parts made of glass - Nil
(4) Rate of depreciation for all other parts including wooden parts will be as per the following schedule.

AGE OF THE VEHICLE % OF DEPRECIATION

Not exceeding 6 months NIL
Exceeding 6 months but not exceeding 1 year 5%
Exceeding 1 year but not exceeding 2 years 10%
Exceeding 2 years but not exceeding 3 years 15%
Exceeding 3 years but not exceeding 4 years 25%
Exceeding 4 years but not exceeding 5 years 35%
Exceeding 5 years but not exceeding 10 years 40%
Exceeding 10 years 50%
(5) Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting
charges.In case of aconsolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose
of applying the depreciation.

2)The Company shall not be liable to make any payment in respect of

a)consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages
b)damage to Tyres and Tubes unless the vehicle is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement.
c)any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the influence of intoxicating
liquor or drugs.
3)In the event of the vehicle being disabled by reason of loss or damage covered under this Policy, the Company will bear the reasonable cost of protection and removal to the
nearest repairer and re-delivery to the Insured but not exceeding in all, Rs.1500/- in respect of any one accident.
4)The Insured may authorise the repair of the vehicle necessitated by damage for which the Company may be liable under this Policy provided that:
a)the estimated cost of such repair including replacements, if any, does not exceed Rs.500/-;
b)the Company is furnished forthwith with a detailed estimate of the cost of repairs; and
c)the Insured shall give the Company every assistance to see that such repair is necessary and the charges are reasonable.

SUM INSURED – INSURED’S DECLARED VALUE (IDV)

The Insured’s Declared Value(IDV) of the vehicle will be deemed to be the‘ SUM INSURED’ for the purpose of this Policy which is fixed at the commencement of each Policy
period for the insured vehicle.
The IDV of the vehicle(and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle
insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). The schedule of age-wise depreciation as shown below is applicable
for the purpose of Total Loss/Constructive Total Loss (TL/CTL) claims only.

THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE

AGE OF THE VEHICLE % OF DEPRECIATION FOR FIXING IDV

Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%

“SBI General Insurance Products are not a Product of SBI”. Page 7

 Exceeding 4 years but not exceeding 5 years 50%

IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the
basis of an understanding between the Company and the Insured.
IDV shall be treated as the‘Market Value’ through out the policy period without any further depreciation for the purpose of Total Loss(TL)/Constructive Total Loss (CTL) claims.
The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the Policy, exceeds 75% of the IDV
of the vehicle.

AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY

Nothing in this Policy or any endorsement hereon shall affect the right of any person indemnified by this Policy or any other person to recover an amount under or by virtue of the
provisions of the Motor Vehicles Act, 1988.
But the Insured shall repay to the Company all sums paid by the Company which the Company would not have been liable to pay but for the said provisions.

APPLICATION OF LIMITS OF INDEMNITY

In the event of any accident involving indemnity to more than one person,any limitation by the terms of this Policy and/ or of any Endorsement there on of the amount of any
indemnity shall apply to the aggregate amount of indemnity to all persons indemnified and such indemnity shall apply in priority to the Insured.

“SBI General Insurance Products are not a Product of SBI”. Page 8

 GENERAL EXCEPTIONS

The Company shall not be liable under this Policy in respect of

1)any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area

2)any claim arising out of any contractual liability;

3)any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the ‘Limitations as to
Use’ or being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause.

4)(i)any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss
(ii)any liability of whatsoever nature directly or indirectly 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 selfsustaining process of nuclear fission.

5)Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.

6)Any accidental loss damage and/or liability 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 indirect consequence of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accidental loss damage and/or liability
arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in
default of such proof, the Company shall not be liable to make any payment in respect of such a claim.

DEDUCTIBLE

The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured) of this Policy in respect of the deductible stated in the
Schedule.
CONDITIONS

This Policy and the Schedule shall beread together and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule shall
bear the same meaning wherever it may appear.
1) Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim and thereafter the insured shall
give all such information and assistance as the Company shall require. Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company
immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured shall have knowledge of any impending prosecution, inquest
or fatal inquiry in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or criminal act which may be the subject of a claim under this Policy
the Insured shall give immediate notice to the police and cooperate with the Company in securing the conviction of the offender.

2)No admission offer promise payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Company which shall be entitled if it so
desires to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in the name of the insured for its own benefit any claim for
indemnity or otherwise and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the insured shall give all such information and
assistance as the Company may require.

3) The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash the amount of the loss or damage and the
liability of the Company shall not exceed:
(a)For total loss/constructive total loss of the vehicle-the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) asspecified in the Schedule less the value
of the wreck.
(b) For partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - actual and reasonable costs of repair and/or replacement of parts lost/damaged
subject to depreciation as per limits specified.

4)The Insured shall take all reasonable steps to safeguard the vehicle from loss or damage and to maintain it in efficient condition and the Company shall have at all times free
and full access to examine the vehicle or any part thereof or any driver or employee of the insured. In the event of any accident or breakdown, the vehicle shall not be left
unattended without proper precautions being taken to prevent further damage or loss and if the vehicle be driven before the necessary repairs are effected any extension of the
damage or any further damage to the vehicle shall be entirely at the Insured's own risk.

5)The Company may cancel the Policy by sending seven days notice by recorded delivery to the Insured at Insured’s last known address and in such event will return to the
Insured the premium paid less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days’
notice by recorded delivery and provided no claim has arisen during the currency of the Policy, the Insured shall be entitled to are turn of premiumless premium at the Company's
Short Periodrates for the period the Policy has been in force. Return of the premium by the Company will be subject to retention of the minimum premium of Rs.100/- (or Rs.25/- in
respect of vehicles specifically designed/modified for use by blind/handicapped/mentally challenged persons). Where the ownership of the vehicle is transferred, the Policy cannot
be cancelled unless evidence that the vehicle is insured elsewhere is produced.

6)If at the time of occurrence of an event that gives rise to any claim under this Policy there is in existence any other insurance covering the same liability, the Company shall not
be liable to pay or contribute more than its ratable proportion of any compensation, cost or expense..

7) The due observance and fulfillment of the terms, conditions and endorsements of this Policy in so far as they relate to anything to be done or complied with by the Insured and
the truth of the statements and answers in the said proposal shall be conditions precedent to any liability of the Company to make any payment under this Policy.

8)In the event of the death of the sole insured, this Policy will not immediately lapse but will remain valid for a period of three months from the date of the death of insured or until
the expiry of this policy(which ever is earlier). During the said period, legal heir(s) of the Insured to whom the custody and use of the motor vehicle passes may apply to have this
Policy transferred to the name(s) of the heir(s) or obtain a new insurance policy for the Motor Vehicle. Where such legal heir(s) desire(s) to apply for transfer of this Policy or
obtain a new policy for the vehicle such heir(s) should make an application to the Company accordingly within the aforesaid period. All such applications should be accompanied
by:
a) Death Certificate in respect of the Insured
b) Proof of title to the vehicle
c) Original Policy.

“SBI General Insurance Products are not a Product of SBI”. Page 9

CLAIM SETTLEMENT

The Company will settle the claim under this Policy with in 30 days from the date of receipt of necessary documents required for assessing the claim.In the event that the
Company decides to reject a claim made under this Policy,the Company shall do so with in a period of thirty days of the Survey Report or the additional Survey Report, as
the case may be, in accordance with the provisions of Protection of Policyholders’ Interest Regulations 2002.

GRIEVANCE REDRESSAL PROCEDURE

Dear Customer

We value your relationship and are committed to offer you best in class customer service.

However if you are dissatisfied with the services rendered by us during any of your interactions with us or on resolution provided by us on your service request or
complaint, we request you to register your concern with our Customer Care Team by following the steps mentioned below.

We will acknowledge receipt of your concerns within next 72 working hours & will respond to you as soon as possible upon completion of the investigation.

Step 1:
If you are dissatisfied with the resolution provided, you may write to [email protected]. We will look into the matter and decide the same expeditiously
within 14 days from the date of receipt of your complaint.
For Senior Citizens: Senior Citizens can reach us at [email protected]; Toll Free - 1800 22 1111 / 1800 102 1111 Monday to Saturday (8 am - 8 pm)

Step 2:
In case, you are not satisfied with the decision/resolution communicated by the above office, or have not received any response within 14 days, you may send your Appeal
addressed to the Chairman of the Grievance Redressal Committee at : [email protected]. or contact at: 022-42412070

Address: Grievance Redressal Officer, 9th Floor, A & B Wing, Fulcrum Building, Sahar Road, Andheri (East), Mumbai 400 099

List of Grievance Redressal Officers at Branch:

https://content.sbigeneral.in/uploads/0449cac1bcd144bbb160d3f6b714fbbd.pdf/.

Step 3:
In case, you are not satisfied with the decision/resolution communicated by the above office, or have not received any response within 14 days, you may Register your
complaint with IRDAI on the below given link
https://bimabharosa.irdai.gov.in/Home/Home

Step 4:
If your grievance remains unresolved from the date of filing your first complaint or is partially resolved, you may approach the Insurance Ombudsman falling in your
jurisdiction for Redressal of your Grievance. The details of the Insurance Ombudsman can be accessed at https://www.cioins.co.in/Ombudsman.
The list of Insurance Ombudsman offices along with their area of jurisdiction is attached here with.

Ombudsman Offices
Areas of Jurisdiction Addresses of the Ombudsman Offices
State of Gujarat and Union Territories of Dadra & Nagar Haveli and Daman and AHMEDABAD
Diu. 2nd Floor, Shree JayshreeAmbica Chambers,
Nr. C U Shah College, 5, Navyug Colony, Ashram Road,
AHMEDABAD-380014
Tel: 27546150, Fax: 079-27546142
Email: [email protected]
States of Madhya Pradesh and Chhattisgarh. BHOPAL
JanakVihar Complex,
2nd Floor, 6, Malviya Nagar, Opp. Airtel,
Bhopal – 462 011.
Tel.:- 0755-2769200/201/202 Fax:- 0755-2769203
Email:[email protected]

State of Orissa. BHUBANESWAR

62, Forest Park,
BHUBANESWAR-751 009.
Tel: 2535220, Fax: 0674-2531607
Email:[email protected], [email protected]

States of Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir and Union CHANDIGARH
territory of Chandigarh. S.C.O No.101,102 & 103, 2nd Floor,
Batra Building, Sector 17 D,
CHANDIGARH-160 017
Tel: 2706196 EPBX:0172-2706468 Fax: 0172-2708274
Email: [email protected]

State of Tamil Nadu and Union Territories - Pondicherry Town and Karaikal CHENNAI
(which are part of Union Territory of Pondicherry). Fatima Akhtar Court , 4th Floor, 453 (Old 312) Anna Salai, Teynampet, CHENNAI-600
018
Tel: 24333678, 24333668, 24335284 Fax: 044-24333664
Email:[email protected]
States of Delhi and Rajasthan. DELHI
2/2 A, Universal Insurance Bldg, Asaf Ali Road,
NEW DELHI-110 002
Tel: 23239611, Fax: 011-23230858
Email: [email protected]

“SBI General Insurance Products are not a Product of SBI”. Page 10

States of Andhra Pradesh, Karnataka and Union Territory of Yanam - a part of HYDERABAD
the Union Territory of Pondicherry. 6-2-46, YeturuTowers,Lane Opp. Saleem Function Palace, A C Guards, Lakdi-Ka-Pool,
HYDERABAD-500 004
Tel: 55574325, Fax:040-23376599
Email:[email protected]
State of Kerela and Union Territory of (a) Lakshadweep (b) Mahe-a part of Union KOCHI
Territory of Pondicherry. 2nd Floor, CC 27/2603 PulinatBldg,
Opp. Cochin Shipyard, M G Road,
ERNAKULAM-682 015 Tel: 2373334, 2350959,
Fax:0484-2373336
Email:[email protected]

States of West Bengal, Bihar, Sikkim, Jharkhand and Union Territories of KOLKATA
Andaman and Nicobar Islands. Hindustan Bldg. Annexe, 4, C.R. Avenue, 4th Floor, KOLKATA - 700 072.
TEL : 033-22124346/22124339
Fax : 033-22124341
Email:[email protected]
States of Uttar Pradesh and Uttaranchal. LUCKNOW
JeevanBhavan, Phase 2,
6th floor, Nawal Kishore Road,
Hazaratganj, LUCKNOW-226001
Tel: 0522-2201188, 2231330, 2231331 Fax:0522-2231310
E-mail:[email protected]
States of Maharashtra and Goa. MUMBAI
3rd Floor, JeevanSevaAnnexe (above MTNL),
S V Road, Santacruz (W),Mumbai-400 054
Tel: 26106889, EPBX:022-26106889
Fax:022-26106052, 26106980
Email:[email protected]
States of Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland GUWAHATI
and Tripura. ’JeevanNivesh’, 5th Floor,
Nr. Panbazar over bridge, S.S. Road,
Guwahati – 781001(ASSAM).
Tel.:- 0361-2132204/2131307/2132205
Fax:- 0361-2732937
Email:[email protected]

Address and contact number of Governing Body of Insurance Council

Secretary General
Governing Body of Insurance Council
JeevanSevaAnnexe, 3rd Floor (Above MTNL)
S. V. Road, Santacruz (W),Mumbai – 400 054
Tel: 022-6106889
Fax: 022-6106980, 6106052
Email:[email protected]

Integrated Grievance Management System

IRDA has launched the Integrated Grievance Management System (IGMS). IGMS is a grievance redress monitoring tool for IRDA. Policyholders who have grievances
should register their complaints with the Grievance Redress Channel of the Insurance Company first. If policyholders are not able to access the insurance company
directly for any reason, IGMS provides a gateway to register complaints with insurance companies.

Complaints shall be registered with insurance companies first and only if need be, be escalated them to IRDA (Consumer Affairs Department).

Website: http://igms.irda.gov.in

Toll Free Number of IRDA Grievance Call Centre: 155255

Timings: 8 AM to 8 PM -- (Monday to Saturday)

“SBI General Insurance Products are not a Product of SBI”. Page 11