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Own Damage Zero Depreciation

Car Reg. no. Policy Starts Policy Expires


Maruti Baleno KA03NL3712 2023 2024

Car Owner
DHANDAYUDHAPANI
Insured Value
 6,83,000
27 26
January January
V

Plan Coverages
An own-damage-only plan with zero depreciation that offers complete coverage for damages to your car and depreciation costs of parts 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.

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.
Consumable cover adds an extra layer of protection to your car by covering the cost of engine oils, screws,
Consumables nuts, bolts, grease, and other such consumables during repairs.
Others Zero Depreciation
Please refer to the addon detail page for more information.

What's not covered

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).

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?

Commercial usage of the car


If the car is registered as a private vehicle and is used for commercial purposes, then the losses or liabilities due to
accidents during such usage are not covered under this policy.

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.

Also keep in mind


Don't let your car insurance expire as driving an uninsured car can attract fine up to Rs.2,000/- and/or imprisonment of up to 3
months.

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.

A single claim cannot include multiple accidents.

You can claim unlimited times during your policy period.


Had an accident?
3 easy ways to claim!
FASTEST

Via Visit Call us


Acko app www.acko.com 1800 266 2256

How do I claim with ACKO?


STEP 1 STEP 2 STEP 3

We handle We deliver your


Inform ACKO first via acko.
your car repaired car at your
com or Acko app
repairs doorstep

Track realtime status of your repair/claim on our Acko App

Why should I inform ACKO first?

Free car pickup High quality 1 year repair


and drop service repairs warranty!

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

What are my out of pocket expenses?


Compulsory Deductible You will be charged 1000 at the time of claim. This amount is fixed across insurance companies and as
1000 regulated by Motor Tariff.

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(Stand-Alone Own Damage Private Car Policy)
Certificate of insurance cum policy schedule

Car details

Registration number KA03NL3712 Registration year 2022

Reg. Authority name KA-03 Engine CC/ Fuel type 1197/Petrol

Car Maruti Baleno Engine number K12MN4751943

Variant Delta AT Chassis number MBHEWB22SMM828721

Hypothecation NA

What you paid to ACKO - Own Damage Zero Depreciation

Own Damage Premium (A)

Basic Own Damage  3,831.63

NCB Discount(20%) - 766.33

Addon(s) Premium

Extra Car Protect  298.75

Consumables  123.38

Zero Depreciation  3,640.05

Net Own Damage Premium (A)  7,127.48

Total Package Premium  7,127.48

IGST (18%)  1,282.95

Total Premium  8,410.43

Previous Policy document is required in case of claim within 30 days of Acko Policy Start Date

For Acko General Insurance


Ltd. Constituted Attorney
Scan this to renew your policy

QUICK
In case you need ACKO's GSTIN, here it is - 27AAOCA9055C1ZJ
TIP
Do more with Acko app!

Register & One click Want to


Track your renewal of sell your
claims your Policy! Car?

Want to update Add your


details in your Policy to
policy? Digilocker!

Planning to Looking to
buy new insure your
insurance? health?

Want to check Looking to


your traffic insure your
challan holiday trip?

Download the ACKO app

QUICK
Now you can view your pending e-challans at Acko app
TIP
Selected Addon's Explained
Extra Car Protect
UIN: A0041V01201920/A0037V01201920/A0036V01201920
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.

Consumables
UIN: A0038V01201920
A consumable cover provides an extra layer of protection for your car. This add-on covers the costs of items like engine oil,
gearbox oil, lubricants, nuts, bolts, screws, distilled water, grease, oil filters, bearings, washers, clips, brake oil, air conditioner
gas, and similar items during car repairs, except for fuel consumed.

Zero Depreciation
UIN: A0035V01201920
This add-on protects you from the depreciation amount deducted on replaced parts in the event of an accident-related claim
during the policy period. However, it does not cover the cost of consumables or total loss/theft.

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.

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. 0.0
3. P. A. Cover under Section III for Owner - Driver (CSI): Rs. 0.0

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.Stamp Duty of Rs 0.50 is paid as provided under Article 47 of Indian Stamp Act, 1899 and
included in Consolidated Stamp Duty Paid to the Government of Maharashtra Treasury vide Order of Addl. Controller of Stamps, Mumbai at
General Stamp Office, Fort, Mumbai - 400001., vide this Order No. (ENF-1/LOA/CSD/22/2023/Validity Period Dt. 29/11/2023 To Dt. 31/12
/2024 / 4852 Date :30/11/2023)

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:
Policy issue office Mumbai Intermediary name Acko General Insurance
Phone number NA Intermediary code 218

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. 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.

For Acko General Insurance Ltd.


Duly Constituted Attorney

ACKO General Insurance Limited Product: Stand-Alone Own Damage Private Car Policy IRDAI Reg No.: 157
B -Wing, B-501 5th Floor, Lotus Corporate Park, Off Western CIN : U66000MH2016PLC287385 HSN: 9971
Express Highway, Goregaon East, Mumbai - 400063 UIN : IRDAN157RP0033V02201920
Proposal Form
Dear DHANDAYUDHAPANI V,

We wish to inform you that the Insurance policy number DCOR00768413594/00 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.

Policy Details Car owner details

Policy number DCOR00768413594/00 Name DHANDAYUDHAPANI V


Period of insurance 27 Jan 23 05:30 AM to 26 Email su*********@yahoo.com
Jan 24 11:59 PM
Mobile number 99******44
Policy issuance date 23 Jan 23 08:39 AM
NCB 20%
Pincode 560049

Car details Previous policy details

Car number KA03NL3712 Previous policy expired Not Expired


Make/ Model Maruti Baleno Previous policy insurer univeral-sompo
Type private Previous Claim false
Fuel type Petrol
Registration year 2022
Registration month January

Premium receipt

Invoice number DCOR00768413594/00


Net Premium  7,127.48

IGST (18%)  1,282.95

Total Premium  8,410.43

Payment Date 23 Jan 23 08:22 AM

Insured Declared Value (IDV)

Tenure Period Vehicle IDV () Total IDV ()

Year 1 27th Jan 23 to 26th Jan 24  6,83,000  6,83,000

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.

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