Professional Documents
Culture Documents
SECTION I
LOSS OF OR DAMAGE TO THE VEHICLE INSURED
1) The Company will indemnify the insured against loss or e. Rate of Depreciation for Painting: In the case of painting, the
damage to the vehicle insured hereunder and/or its accessories depreciation rate of 50% shall be applied only on the material
whilst thereon cost of total painting charges. In case of a consolidated bill for
A. by fire explosion self-ignition or lightning; painting charges, the material component shall be considered
B. by burglary housebreaking or theft; as 25% of total painting charges for the purpose of applying
C. by Riot and Strike the depreciation.
D. by Earthquake (Fire and Shock Damage) 2) The Company shall not be liable to make any payment in
E. by Flood Typhoon Hurricane Storm Tempest Inundation respect of:
Cyclone Hailstorm frost (a) Consequential loss, depreciation , wear and tear, mechani-
F. by accidental external means cal and electrical breakdown failures or breakage's ;
G. by malicious act (b) Damage to Tyres and Tubes unless the Vehicle insured is
H. by terrorist activity damaged at the same time in which case the liability of the
I. whilst in transit by road rail inland waterway lift elevator or air Company shall be limited to 50% of the cost of replacement ;
J. by Landslide/Rockslide (c) Loss of or damage to accessories by burglary housebreaking
or theft unless the Vehicle is stolen at the same time;
Subject to a deduction for depreciation at the rates mentioned And
below in respect of parts replaced: (d) Any accidental loss or damage suffered whilst the Insured
a) For all rubber/ nylon/ plastic parts, tyres, tubes and or any person driving (the vehicle) with the knowledge and
Batteries - 50% consent of the Insured is under the influence of intoxicating
b) For fibre glass components- 30% liquor or drugs.
c) For all parts made of glass – Nil 3) In the event of the vehicle being disabled by reason of loss
d) Rate of depreciation for all other parts including wooden or damage covered under this Policy the Company will bear
parts will be as per following schedule the reasonable cost of protection and removal to the nearest
repairer and redelivery to the insured but not exceeding in all
% Of `300/- in respect of any one accident
Age Of Vehicle
Depreciation 4) The Insured may authorise the repair of the Vehicle neces-
Not exceeding 6 months Nil sitated by damage for which the Company may be liable under
Exceeding 6 months but not exceeding 1 year 5% this Policy provided that:-
Exceeding 1 year but not exceeding 2 years 10% (i) The estimated cost of such repair including replacements,
Exceeding 2 year but not exceeding 3 years 15% if any does not exceed `150/-
Exceeding 3 year but not exceeding 4 years 25% (ii) The Company is furnished forthwith a detailed estimate of
Exceeding 4 year but not exceeding 5 years 35% the cost of repairs and
Exceeding 5 year but not exceeding 10 years 40% (iii) The Insured shall give the Company every assistance to see
Exceeding 10 years 50% that such repair is necessary and the charges are reasonable.
SECTION II
LIABILITY TO THIRD PARTIES
1) Subject to the limits of liability as laid down in the Schedule the limits of any carriageway or thoroughfare in connection
hereto the Company will indemnify the insured in the event of with the bringing of the load to the vehicle for loading thereon
an accident caused by or arising out of the use of the insured or the taking away of the load from the vehicle after unloading
vehicle against all sums which the insured shall become there from
legally liable to pay in respect of 2) The Company will pay all costs and expenses incurred with
i. Death of or bodily injury to any person including occupants its written consent.
carried in the insured vehicle (provided such occupants are not 3) In terms of and subject to the limitations of the indemnity
carried for hire or reward) but except so far as it is necessary granted by this section to the insured, the Company will
to meet the requirements of Motor Vehicles Act, the Company indemnify any driver who is driving the vehicle on the insured’s
shall not be liable where such death or injury arises out of and order or with insured’s permission provided that such driver
in the course of the employment of such person by the insured, shall as though he/she was the insured observe fulfill and be
ii. Damage to the property other than property belonging to the subject to the Terms Exceptions and Conditions of this Policy
insured or held in trust or in the custody or control of the in so far as they apply.
insured. 4) In the event of the death of any person entitled to indemnity
under this Policy the Company will in respect of the liability
PROVIDED ALWAYS that the Company shall not be liable in incurred by suchperson indemnify his/her personal represen-
respect of death injury or damage caused or arising beyond tative in terms of and subject to the limitations of this Policy
SECTION III
PERSONAL ACCIDENT COVER FOR OWNER-DRIVER
Subject otherwise to the terms exceptions conditions and Provided always that
limitations of this policy, the Company undertakes to pay A. the compensation shall be payable under only one of the
compensation as per the following scale for bodily injury / items(i) to (iv) above in respect of the owner - driver arising out
death sustained by the owner - driver of the vehicle, in direct of any one occurrence and the total liability of the insurer shall
connection with the vehicle insured or whilst mounting into / not in the aggregate exceed the sum of `15 lakh during any
dismounting from or traveling in the insured vehicle as a one period of insurance.
co-driver, caused by violent accidental external and visible B.no compensation shall be payable in respect of death or
means which independent of any other cause shall within six bodily injury directly or indirectly wholly or in part arising or
calendar months of such injury result in : resulting from or traceable to (i) intentional self injury suicide
or attempted suicide physical defect or infirmity or
Nature of injury Scale of (ii) an accident happening whilst such person is under the
compensation influence of intoxicating liquor or drugs.
(i) Death 100% C.Such compensation shall be payable directly to the insured
(ii) Loss of two limbs or sight of 100% or to his/her legal representatives whose receipt shall be the
two eyes or one limb and sight full discharge in respect of the injury to the insured.
of one eye This cover is subject to
(iii) Loss of one limb or sight of 50% (i) The owner-driver is the registered owner of the vehicle
one eye insured herein;
(iv) Permanent total disablement 100% (ii) The owner driver is the insured named in this policy.
from injuries other than named above (iii) The owner-driver holds an effective driving license, in
accordance with the provisions of Rule 3 of the Central
Motor Vehicles Rules, 1989, at the time of the accident.
GENERAL EXCEPTIONS
(Applicable to all Sections of the Policy)
The Company shall not be liable in respect of: a) Being used otherwise than in accordance with the Limita-
1. Any accidental loss damage and/or liability caused tions as to Use or
sustained or incurred outside the Geographical Area. b) Being driven by or is for the purpose of being driven by
2. Any Claim arising out of any Contractual Liability. him/her in the charge of any person other than a Driver as
3. Any accidental loss damage and/or liability caused stated in the Driver's clause.
sustained or incurred whilst the Vehicle insured herein is: 4.a) Any accidental loss or damage to any property whatsoev-
DEDUCTIBLE
Compulsory Deductible:
The Company shall not be liable for each and every claim under Section - 1 (Loss of or damage to the vehicle insured) of this policy
in respect of the deductible stated in the schedule.
Additional deductible shall be applicable for policies having tenure of 24 months or 36 months as mentioned below:
1.For 3rd admissible claim during the policy tenure, additional deductible of `500 or 5% of the claim value whichever is less.
2.For 4th or subsequent admissible claim during the policy tenure additional deductible of `1000 or 10% of the claim value whichever
is less.
CONDITIONS
This Policy and the Schedule shall be read together and any condone the delay in intimation of claim or delay in providing
word or expression to which a specific meaning has been the required information/documents to the insurer.
attached in any part of this Policy or of the Schedule shall bear 2) No admission offer promise payment or indemnity shall be
the same meaning wherever it may appear. made or given by or on behalf of the Insured without the
written consent of the Company which shall be entitled if it so
1) Notice shall be given in writing to the Company immediately desires to take over and conduct in the name of the Insured
upon the occurrence of any accidental loss or damage and in the defence or settlement of any claim or to prosecute in the
the event of any claim and thereafter the Insured shall give all name of the Insured for its own benefit any claim for indemnity
such information and assistance as the Company shall or damages or otherwise and shall have full discretion in the
require. Every letter claim writ summons and/or process or conduct of any proceedings or in the settlement of any claim
copy there of shall be forwarded to the Company immediately and the Insured shall give all such information and assistance
on receipt by the Insured. Notice shall also be given in writing as the Company may require.
to the Company immediately the Insured shall have knowledge 3) The Company may at its own option repair reinstate or
of any impending Prosecution Inquest or Fatal Injury in respect replace the vehicle or part thereof and/or its accessories or
of any occurrence which may give rise to a claim under this may pay in cash the amount of the loss or damage and liability
policy. In case of theft or other criminal act which may be the of the Company shall not exceed:
subject of a claim under this Policy the Insured shall give a)For total loss / constructive total loss of the vehicle - the
immediate notice to the Police and co-operate with the Insured’s Declared Value (IDV) of the vehicle (including acces-
Company in securing the conviction of the offender. Wherever sories thereon) as specified in the schedule less the value of
details pertaining to any incident which results in a claim, are the wreck.
conveyed by the insured to the insurer after reasonable period, b)For partial losses, i.e. losses other than Total Loss/Construc-
insured shall provide the reasons of such delay to the insurer tive Total Loss of the vehicle - actual and reasonable costs of
and insurer may on analysis of reasons provided by insured, repair and/or replacement of parts lost/damaged subject to
% of Discount
All types of Vehicles on Own Damage
premium
No claim made or pending during the
20%
preceding full year of insurance
No claim made or pending during the
25%
preceding 2 consecutive years of insurance
No claim made or pending during the
35%
preceding 3 consecutive years of insurance
No claim made or pending during th
45%
preceding 4 consecutive years of insurance
No claim made or pending during the
50%
preceding 5 consecutive years of insurance
IMT10. INSTALLATION OF ANTI-THEFT DEVICE IMT15. PERSONAL ACCIDENT COVER TO THE INSURED OR
(Not applicable to Motor Trade Policies) ANY NAMED PERSON OTHER THAN PAID DRIVER OR
In consideration of certification by _______________* CLEANER
(Refer Policy Schedule) that an Anti-Theft device approved by (Applicable to private cars including three wheelers
Automobile Research Association of India (ARAI), Pune has rated as private cars and motorized two wheelers with or
been installed in the vehicle insured herein a premium without side car [not for hire or reward)
discount of `__________** (Refer Policy Schedule) is In consideration of the payment of an additional premium it is
hereby allowed to the insured. hereby agreed and understood that the Company undertakes
It is hereby understood and agreed that the insured shall to pay compensation on the scale provided below for bodily
ensure at all times that this Anti-theft device installed in the injury as hereinafter defined sustained by the insured person
vehicle insured is maintained in efficient condition till the in direct connection with the vehicle insured or whilst
expiry of this policy. mounting and dismounting from or traveling in vehicle
Subject otherwise to the terms, exceptions, conditions and insured and caused by violent accidental external and visible
limitations of the policy means which independently of any other cause shall within
Subject otherwise to the terms conditions limitations and Subject otherwise to the terms conditions limitations and
exceptions of this Policy. exceptions of this Policy.
* To insert voluntary deductible amount opted by the insured
under tariff for Private car / tariff for motorised two wheeler. IMT26. FIRE AND/OR THEFT RISKS ONLY
** To insert appropriate amount relating to the voluntary (Not applicable for Miscellaneous and Special Types of
deductible opted as per the provision of tariff for Private car / vehicles rateable under Class -D and Motor Trade
IMT27. LIABILITY AND FIRE AND/OR THEFT Subject otherwise to the terms conditions limitations and
(Not applicable for Miscellaneous and Special Types of exceptions of the Policy except so far as necessary to meet
vehicles rateable under Class –D of the Tariff for the requirements of the Motor Vehicles Act, 1
Commercial Vehicles)
Notwithstanding anything to the contrary contained in the IMT29. LEGAL LIABILITY TO EMPLOYEES OF THE INSURED
Policy it is hereby understood and agreed that Section I of the OTHER THAN PAID DRIVER AND/OR CONDUCTOR AND/OR
Policy the insurer shall not be liable thereunder except in CLEANER WHO MAY BE TRAVELLING OR DRIVING IN THE
respect of loss or damage by fire explosion self ignition EMPLOYER’S CAR
lightning and/or burglary housebreaking theft and riot strike {Private Cars only/ Motorised two wheelers (not for hire
malicious damage terrorism storm tempest flood inundation or reward)}
and earthquake perils. In consideration of the payment of an additional premium @
`50/- per employee insured notwithstanding anything to the
Subject otherwise to the terms conditions limitations and contrary contained in the policy it is hereby understood and
exceptions of the Policy. agreed that the insurer will indemnify the insured against the
NB. (i) In case of Liability and Fire Risks only, the words insured’s liability at Common Law and Statutory Liability under
“burglary housebreaking theft” are not applicable. the Fatal Accidents Act, 1855 for compensation (including
NB. (ii) In case of Liability and Theft Risks only, the words “fire legal costs of any claimant) for death of or bodily injury to any
explosion self ignition lightning riot strike malicious damage employee (other than paid drivers) of the within named
terrorism storm tempest flood inundation and earthquake insured being carried in or upon or entering in or getting on to
perils” are not applicable. or alighting from or driving the vehicle insured.
Provided that in the event of an accident whilst the vehicle
IMT28. LEGAL LIABILITY TO PAID DRIVER AND/OR insured is carrying more than.____* employees of the
CONDUCTOR AND/OR CLEANER EMPLOYED IN CONNECTION insured (including the driver) the insured shall repay to the
WITH THE OPERATION OF INSURED VEHICLE insurer a rateable proportion of the total amount payable by
(For all Classes of vehicles.) the insurer by the reason of this endorsement in respect of
In consideration of an additional premium of `50/- notwith- accident in connection with such vehicle insured.
standing anything to the contrary contained in the Policy it is
hereby understood and agreed that the insurer shall indemni- Subject otherwise to the terms, conditions limitations and
fy the insured against the insured’s legal liability under the exceptions of this Policy.
Workmen’s Compensation Act, 1923, the Fatal Accidents Act, NB. * To insert the number of employees for which the premi-
Any Grievance of the Complainant sent in a written communication as per Rule 13 and Rule 14 of the Insurance Ombudsman
to the Company at any of the touch points as mentioned, shall be Rules, 2017 (‘Ombudsman Rules’).
addressed within 14 days of the receipt of the complaint. The following complaints can be lodged with the Insurance
Ombudsman:
Escalation Matrix: 1. Any partial or total repudiation of claims by an insurer;
2. Any dispute in regard to premium paid or payable in terms
Step 1 of the policy;
Call: 1800 12000 3. Any dispute on the legal construction of the policies in so
Email: support@edelweissinsurance.com far as such disputes relate to claims;
4. Delay in settlement of claims;
Step 2 5. Non-issue of any insurance document to customers after
If the response is not as per Complainant’s expectations receipt of premium.
he/she may contact the Grievance Cell at the below touch-
points: Manner in which complaint is to be made Rule 14 of the
• Email: grievance@edelweissinsurance.com Ombudsman Rules:-
• Address: Edelweiss General Insurance Company Limited, 1. Any person who has a grievance against the Company, may
Kohinoor City Mall, Tower 3, Kirol Road, Kurla West, Mumbai himself or through his legal heirs make a complaint in writing
400070 to the Ombudsman within whose jurisdiction the branch or
office of the Company complained against is located.
Step 3 2. The complaint shall be in writing duly signed by the
If the response is not as per Complainant’s expectations complainant or through his legal heirs and shall state clearly
he/she may contact the Company’s Grievance Redressal the name and address of the complainant, the name of the
Officer at: branch or office of the insurer against which the complaint is
• Email: grievanceofficer@edelweissinsurance.com made, the fact giving rise to the complaint.
• Address: Edelweiss General Insurance Company Limited, 3. No complaint to the Ombudsman shall lie unless:
Kohinoor City Mall, Tower 3, Kirol Road, Kurla West, Mumbai • the complainant had before making a complaint to the
400070 Ombudsman, made a written representation to the Compa-
ny/insurer named in the complaint and either insurer had
Step 4 rejected the complaint or the complainant had not received
If the Complainant is not still not satisfied with the response or any reply within a period of one month after the insurer
does not receive a response from the Company within 14 concerned received his representation or the complainant is
days, the Complainant may approach the Grievance Cell of the not satisfied with the reply given to him by the insurer;
IRDAI on the following contact details: • the complaint is made not later than one year after the
• IRDAI Grievance Call Centre (IGCC) TOLL FREE NO: 155255; insurer had rejected the representation or sent his final reply
Email ID: complaints@irda.gov.in on the representation of the complainant; and
• Register online at: http://www.igms.irda.gov.in/ • the complaint is not on the same subject matter for which
• Address for communication for complaints by fax/paper: any proceedings before any court or Consumer Forum or
Consumer Affairs Department, Insurance Regulatory and arbitrator is pending or was so earlier.
Development Authority of India Sy. No. 115/1, Financial
District, Nanakramguda, Gachibowli Hyderabad - 500032
Step 5
If the complaint/grievance has still not been resolved, the
Complainant may approach the Office of the Insurance
Ombudsman established by the Central Government of India
Edelweiss Two Wheeler Package Insurance I UIN: IRDAN159P0004V01201819 17
Ombudsman and Addresses
BENGALURU
Office of the Insurance Ombudsman, Jeevan Soudha Building, PID
No.57-27-N-19, Ground Floor, 19/19, 24th Main Road, JP Nagar, 1st Phase,
State of Karnataka
Bengaluru-560 078.
Tel.:- 080-26652048 / 26652049
Email:- bimalokpal.bengaluru@ecoi.co.in
BHOPAL
Office of the Insurance Ombudsman, Janak Vihar Complex, 2nd Floor, 6,
Malviya Nagar, Opp. Airtel Office, Near New Market, Bhopal – 462 033. States of Madhya Pradesh and Chattisgarh
Tel.:- 0755-2769200/201/202, Fax:- 0755-2769203
Email:- bimalokpal.bhopal@ecoi.co.in
BHUBANESHWAR
Office of the Insurance Ombudsman, 62, Forest park, Bhubneshwar – 751 009.
Tel.:- 0674-2596461 / 2596455, Fax:- 0674-2596429 State of Odisha
Email:-bimalokpal.bhubaneswar@ecoi.co.in
CHANDIGARH
Office of the Insurance Ombudsman, S.C.O. No. 101, 102 & 103, 2nd Floor,
Batra Building, Sector 17 – D, Chandigarh – 160 017. States of Punjab, Haryana, Himachal Pradesh, Union Territory of Jammu
Tel.:- 0172-2706196/ 2706468 & Kashmir, Union Territory of Ladakh and Union Territory of Chandigarh
Fax:- 0172-2708274
Email:- bimalokpal.chandigarh@ecoi.co.in
CHENNAI
Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453 , Anna
Salai, Teynampet, CHENNAI – 600 018. State of Tamil Nadu and Union Territories - Puducherry Town and
Tel.:- 044-24333668 / 24335284 Karaikal (which are part of Union Territory of Puducherry)
Fax:- 044-24333664
Email:- bimalokpal.chennai@ecoi.co.in
DELHI
Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building,
Asaf Ali Road, New Delhi – 110 002. State of Delhi
Tel.:- 011-23232481/23232481
Email:- bimalokpal.delhi@ecoi.co.in
ERNAKULAM
Office of the Insurance Ombudsman, 2nd floor, Pulinat Building, Opp. Cochin
Shipyard, M.G. Road, Ernakulum - 682 015. State of Kerala, Union Territory of Lakshadweep and Mahe, a part of
Tel.:- 0484-2358759/2359338 Puducherry
Fax:- 0484-2359336
Email:- bimalokpal.ernakulam@ecoi.co.in
GUWAHATI
Office of the Insurance Ombudsman, 'Jeevan Nivesh’, 5th Floor, Nr. Panbazar
over bridge, S.S. Road, Guwahati – 781001(ASSAM). States of Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh,
Tel.:- 0361- 2632204 / 2602205 Nagaland and Tripura
Email:- bimalokpal.guwahati@ecoi.co.in
HYDERABAD
Office of the Insurance Ombudsman, 6-2-46, 1st floor, "Moin Court" Lane Opp.
Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. States of Andhra Pradesh, Telangana and Union Territory of Yanam - a
Tel.:- 040- 67504123 / 23312122 part of Puducherry
Fax:- 040-23376599
Email:- bimalokpal.hyderabad@ecoi.co.in
Edelweiss General Insurance Company Limited, Corporate Office: 5th Floor, Tower 3, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai -
400 070, Registered Office: Edelweiss House, Off CST Road, Kalina, Mumbai -400 098, IRDAI Regn. No.: 159, CIN: U66000MH2016PLC273758, Reach us on:
1800 12000, Email: support@edelweissinsurance.com, Website: www.edelweissinsurance.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 Edelweiss
Financial Services Limited and is used by Edelweiss General Insurance Company Limited under license.