C O MP R EHENS IVE P O LIC Y

Summary

Maruti 800 Valid from Valid till (midnight)

T N59AP6599 25 AUG 21 24 AUG 22
Car owner Owner number Owner email
UMAMAGESHWARAN P XXXXXX5980 nXXXXXXXXX0@gmail.com
Plan Policy price Car value
Comprehensive ₹ 3196.25 ₹ 96139.0
Please refer overlay for more details

WELCOME! We’re happy to have you at Acko, and promise to be there for you always. You’re now a part of the
Acko Advantage program, which takes care of everything if your car ever runs into trouble. Just call us
immediately on 1800 266 2256 when things go wrong and we’ll take it from there.

Acko Non-Acko
Advantage* Advantage
Free car pick-up
from home,
office or
accident site

Repairs at our
network of
expert garages.

3-day repair
guarantee.

Cab voucher**
worth Rs.
500/day if
there's a repair
delay.

Car drop at your

doorstep.

Cashless and
hassle-free
processing.

*Only applicable in selected cities provided you call us immediately - Ahmedabad | Bangalore | Chennai | Delhi | Hyderabad | Kolkata | Mumbai | Pune
**Cab vouchers available in the cities mentioned above. Please refer the Terms & Conditions for more details

Please Note: Previous Policy document is required in case of claim within 30 days of Acko Policy Start Date.

If you are a workshop or garage staf f

Please call Acko for quick settlements on 1800 209 9910 [ GST# for workshop Invoice 27AAOCA9055C1ZJ ]
Acko Ge ne ral Ins urance Ltd.
Unit No. 301, 3rd Floor, F Wing, Lotus Corporate Park, Goregaon (E), Mumbai- 400063
Email: hello@acko.com | Phone: 18 00 266 2256 | www.acko.com
Product: Private Car Package Policy | CIN : U66000MH2016PLC28 738 5
IRDAI Reg No. 157 | HSN: 997134 | GST: 27AAOCA9055C1ZJ
UIN: IRDAN157P0007V01201718 , IRDAN157RP0024V012018 19, A0019V012018 19 Page 1 of 6
What’s Covered
A snapshot of all the coverages in this policy.

Accide nts Fire T he f t

Damages to the car due to an accident. In case your car catches fire, resulting If your car is stolen, we will pay you the
from self-ignition, explosion or lightning. value as per policy of your car.

C alamitie s T hird - Party Lo s s e s C o ns umable s

Damage due to natural or man made Death, injury or property damage to any Covers the cost of consumables like nut,
causes like earthquake, riots, etc. third party arising from your car. bolt, lubricant etc. consumed during car
repair due to accident.

C ar Owne r C o ve r
Death and disability cover for the car
owner.

What’s Not Covered

A snapshot of all the coverages that are not covered in this policy.

No n-Accide nt Damage C o ns e que ntial Lo s s & Nucle ar Ris k & War Ille gal Driving
Like depreciation, wear & tear, C o ntractual Liability Damages to your car due to Damage due to the car driven by a
breakdown, failures & Indirect damage or liability nuclear risk, war & mutiny person without a valid driving
breakages, and deductibles. arising due to your car license or under influence of
accident. liquor/drugs.

T yre , T ube s & Engine C ar Re vie w Exce ptio n C o mme rcial us age o f the
Not included unless the tyre, Pre-existing Damages as C ar
tubes & engine are damaged found on vehicle inspection. If the Car is registered as
due to an accident. Private vehicle & if it is used
for commercial purpose than
the losses or liability due to
accident during such usage is
not covered in this policy.

The info rma tio n pro vide d he re in a bo ve is fo r the purpo s e o f illus tra tio n o nly. Fo r mo re de ta ils o n ris k fa cto rs , te rms ,
co nditio ns a nd e xclus io ns , ple a s e re a d the po licy wo rding s ( https ://www.a cko .co m/do wnlo a d ) ca re fully.
Page 2 of 6
 C O MP R EHENS IVE P O LIC Y
Private Car Package Policy

P O L IC Y D E T AIL S VE HIC L E D E T AIL S

Insured Name: UMAMAGESHWARAN P Registration Number: TN59AP6599
Address/Pincode: 641007 Make/Model: Maruti 8 00
Period of Insurance: 25 Aug 21 (00:00 hrs) to 24 Aug 22 (23:59 Purchase Year: 2010
hrs) Engine CC: 796
Policy Issuance Date: 10 Aug 21
Policy Number: DCCR00414754414/00
INS UR E D D E C L AR E D VAL UE ( ID V)
Ve hicle IDV (₹) Acce s s o rie s (₹) Bif ue l Kit (₹) T o tal IDV (₹)

96139 0.0 0 96139.0

P R E M IUM D E T AIL S ( ₹)
Own Damage Pre mium (A) Liability Pre mium (B)

Basic Own Damage ₹ 434.52 Basic Third Party Liability ₹ 2072.00

NCB Discount ₹ (217.26) PA for Owner Driver ₹ 399.00

Consumables ₹ 20.43

Net Own Damage Premium (A) ₹ 237.69 Net Liability Premium (B) ₹ 2471.00

Total Package Premium ₹ 2708 .69

IGST (18 %) 48 7.56

Total Premium ₹ 3196.25

Geographical Area: India Voluntary Deductible: ₹0 Hypothecation: NA

No-Claim Bonus: 50% Compulsory Deductible: ₹ 1000
L i m i t at i o n s As T o U se : The Po licy co ve rs us e o f the ve hicle fo r a ny purpo s e o the r tha n: a ) Hire o r Re wa rd b) Ca rria g e o f g o o ds (o the r tha n s a mple s o r pe rs o na l
lug g a g e ) c) Org a nize d ra cing d) Pa ce ma king e ) Spe e d te s ting f) Re lia bility Tria ls g ) Any purpo s e in co nne ctio n with Mo to r Tra de . Pe rso n s o r Cl ass o f Pe rso n s
e n t i t l e d t o d ri ve : Any pe rs o n ((including the ins ure d), pro vide d tha t a pe rs o n driving ho lds a va lid driving lice ns e a t the time o f the a ccide nt a nd is no t dis qua lifie d
fro m ho lding o r o bta ining s uch a lice ns e . Pro vide d a ls o tha t the pe rs o n ho lding a va lid le a rne r's lice ns e ma y a ls o drive the ve hicle a nd tha t s uch a pe rs o n s a tis fie s
the re quire me nts o f Rule 3 o f the Ce ntra l Mo to r Ve hicle s Rule s , 198 9. L i m i t s o f L i ab i l i t y. 1. Unde r Se ctio n II-1 (i) o f the po licy - De a th o f o r bo dily injury - Such
a mo unt a s is ne ce s s a ry to me e t the re quire me nts o f the Mo to r Ve hicle s Act, 198 8 . 2 . Unde r Se ctio n II - 1(ii) o f the po licy -Da ma g e to Third Pa rty Pro pe rty - Rs . 7 5 0 0 0 0
3 . P. A. Co ve r unde r Se ctio n III fo r Owne r - Drive r (CSI): Rs . 15 0 0 0 0 0 T e rm s, Co n d i t i o n s & Exc l u si o n s: As pe r the India n Mo to r Ta riff. A pe rs o na l co py o f the s a me is
a va ila ble fre e o f co s t o n re que s t & the s a me is a ls o a va ila ble a t o ur we bs ite .
I / We he re by ce rtify tha t the po licy to which the ce rtifica te re la te s a s we ll a s the ce rtifica te o f ins ura nce a re is s ue d in a cco rda nce with the pro vis io n o f cha pte r X, XI o f
Mo to r Ve hicle s Act, 198 8 . " The s ta mp duty o f Rs . 0 .5 0 pa id by e le ctro nic me dium vide GRAS De fa ce no . 0 0 0 164 92 0 0 2 0 2 12 2 da te d 12 /0 7 /2 0 2 1 a s pre s cribe d in
Go ve rnme nt No tifica tio n Re ve nue & Fo re s t De pa rtme nt No . Mudra nk - 2 0 17 /C.R.97 /M-1, da te d 0 9/0 1/2 0 18 . GSTN: 2 7 AAOCA90 5 5 C1ZJ. IMPO RT ANT NO T ICE: The
Ins ure d is no t inde mnifie d if the ve hicle is us e d o r drive n o the rwis e tha n in a cco rda nce with this Sche dule . Any pa yme nt ma de by the Co mpa ny by re a s o n o f wide r
te rms a ppe a ring in the Ce rtifica te in o rde r to co mply with the Mo to r Ve hicle s Act, 198 8 is re co ve ra ble fro m the Ins ure d. Se e the cla us e he a de d " AVOIDANCE OF
CERTAIN TERMS AND RIGHT OF RECOVERY” in the po licy wo rding s . Di sc l ai m e r: The Po licy s ha ll be vo id fro m ince ptio n if the pre mium che que is no t re a lize d. In the
e ve nt o f mis re pre s e nta tio n, fra ud o r no n-dis clo s ure o f ma te ria l fa ct, the Co mpa ny re s e rve s the rig ht to ca nce l the Po licy. Ple a s e no te tha t the ins ure d ve hicle wa s
pre -ins pe cte d a nd a re po rt wa s pre pa re d a cco rding ly. The e xis ting da ma g e s to the ve hicle a s me ntio ne d in the re po rt s ha ll no t be pa id by the Co mpa ny. The po licy is
is s ue d ba s is the info rma tio n pro vide d by yo u, which is a va ila ble with the co mpa ny. In ca s e o f dis cre pa ncy/no n re co rding o f re le va nt info rma tio n in the po licy, the
ins ure d is re que s te d to bring the s a me to the no tice o f the co mpa ny within 15 da ys . This Po licy is to be re a d in co njunctio n with the Po licy wo rding s
(https ://www.a cko .co m/do wnlo a d) a va ila ble o n the we bs ite o f the Co mpa ny. On re ne wa l, the be ne fits pro vide d unde r the po licy a nd/o r te rms a nd co nditio ns o f the
po licy including pre mium ra te ma y be s ubje ct to cha ng e .

INT E R M E D IAR Y D E T AIL S

Policy Issuing Office: Direct - Mumbai Intermediary Name: Direct
Phone Number: NA Intermediary Code: NA

Acko Ge ne ral Insurance Lt d.

Unit No . 301, 3rd Flo o r, F Wing, Lo tus C o rpo rate Park, Go re gao n (E), Mumbai- 40006 3
Email: he llo @acko .co m | Pho ne : 1800 26 6 2256 | www.acko .co m
Pro duct: Private C ar Package Po licy | C IN : U6 6 000MH2016 PLC 287385
IRDAI Re g No . 157 | HS N: 9 9 7134 | GS T: 27AAOC A9 055C 1ZJ Fo r Acko Ge ne ral Ins urance Ltd.
UIN: IRDAN157P0007V01201718, IRDAN157RP0024V01201819 , A0019 V01201819 Duly C o ns titute d Atto rne y
Page 3 of 6
 P R EMIUM R EC EIP T

Received with thanks from UMAMAGESHWARAN P a sum of ₹ 3 196.25 towards premium on Car Insurance
Policy

INS UR E D D E T AIL S
Name of Insured: UMAMAGESHWARAN P
Period of Insurance: 25 Aug 21 (00:00 hrs) to 24 Aug 22 (23:59
hrs)
Policy Number: DCCR00414754414/00
Payment Date: 10 Aug 21

P R E M IUM D E T AIL S ( ₹)
Gross Premium ₹2708 .69

IGST (18 %) ₹ 48 7.56

Total Premium ₹3196.25

T E R M S & C O ND IT IO NS :
Issuance of this receipt does not amount to acceptance of the risk by Acko General Insurance Limited. The insurance cover for the risk shall be as
per the terms and conditions of the Insurance Policy if and when issued. * Cheque/DD/PO receipt is valid subject to realization of the instrument.

Acko Ge ne ral Ins urance Ltd.

Unit No. 301, 3rd Floor, F Wing, Lotus Corporate Park, Goregaon (E), Mumbai- 400063
Email: hello@acko.com | Phone: 18 00 266 2256 | www.acko.com
CIN : U66000MH2016PLC28 738 5 | IRDAI Reg No. 157 | HSN: 997134 | GST: 27AAOCA9055C1ZJ For Acko General Insurance Ltd.
UIN: IRDAN157P0007V01201718 , IRDAN157RP0024V012018 19, A0019V012018 19 Duly Constituted Attorney
Page 4 of 6
 PRO PO S AL FO RM

Dear UMAMAGESHWARAN P,

We wish to inform you that the Insurance policy number DCCR00414754414/00 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.

P O L IC Y D E T AIL S P R E VIO US P O L IC Y D E T AIL S

Policy Number: DCCR00414754414/00 Previous Policy Expired: Not Expired
Period of Insurance: 25 Aug 21 (00:00 hrs) to 24 Aug 22 (23:59 Previous Policy Insurer: Acko General Insurance
hrs) Previous Policy Type: Package
Policy Issuance Date: 10 Aug 21

C AR D E T AIL S C AR O W NE R D E T AIL S
Car Number: TN59AP6599 Name: UMAMAGESHWARAN P
Make/Model: Maruti 8 00 Email Address: nXXXXXXXXX0@gmail.com
Type: Private Mobile Number: XXXXXX598 0
Fuel Type: petrol NCB: 50%
Registration Year: 2010 Address/Pincode: 641007
Registration Month: Jul Last Claim Year: 2013
Insured Declared Value (IDV): 96139
Accessories (IDV): 0.0

Acko Ge ne ral Ins urance Ltd.

Unit No. 301, 3rd Floor, F Wing, Lotus Corporate Park, Goregaon (E), Mumbai- 400063
Email: hello@acko.com | Phone: 18 00 266 2256 | www.acko.com
CIN : U66000MH2016PLC28 738 5 | IRDAI Reg No. 157 | HSN: 997134 | GST: 27AAOCA9055C1ZJ For Acko General Insurance Ltd.
UIN: IRDAN157P0007V01201718 , IRDAN157RP0024V012018 19, A0019V012018 19 Duly Constituted Attorney
Page 5 of 6
 PRO PO S AL FO RM

C O VE R D E T AIL S
Add-o ns / Othe rs Include d Exclude d

PA Cover -

Consumables -

Zero Depreciation -

T E R M S & C O ND IT IO NS :
“I/We desire to insure with Acko General Insurance Limited in respect of the vehicle described in this proposal form and confirm that the
statements contained in this application are my/our true and accurate representations. I/We undertake that if any of the statements are found to
be false or incorrect, the benefits under this policy would stand forfeited. I/We agree that this application and declaration shall be promissory and
shall be the basis of the contract between me/us and Acko General Insurance Limited. I/We agree to the Company taking appropriate measures to
capture the voice log for all such telephonic transactions carried out by me/us as required by the procedures/regulations internal or external to the
Company and shall not hold the Company responsible or liable for relying/using such recorded telephonic conversation. In the event of
nonrealization of the cheque or non-receipt of the amount of premium by the Company the policy shall be deemed cancelled ‘ab-initio’ and the
Company shall not be responsible for any liabilities of whatsoever nature under this Policy.” I/We agree to receive ‘Certificate of Insurance or Policy
Schedule’ only and shall access the policy terms, conditions and exclusions on the company’s website.

P R O HIBIT IO N O F R E BAT E D ( S E C T IO N 4 1 ) O F T HE INS UR ANC E AC T - 1 9 3 8 ( AS AM E ND E D )

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.

Acko Ge ne ral Ins urance Ltd.

Unit No. 301, 3rd Floor, F Wing, Lotus Corporate Park, Goregaon (E), Mumbai- 400063
Email: hello@acko.com | Phone: 18 00 266 2256 | www.acko.com
CIN : U66000MH2016PLC28 738 5 | IRDAI Reg No. 157 | HSN: 997134 | GST: 27AAOCA9055C1ZJ For Acko General Insurance Ltd.
UIN: IRDAN157P0007V01201718 , IRDAN157RP0024V012018 19, A0019V012018 19 Duly Constituted Attorney
Page 6 of 6