bharti A redefining / general insurance Bhartl AXA General Insurance Company Limited 1 1800:102-2292 clee No) (080.£3573450 (craves oooh) customer sericesbhart-aaglco.n 4.SMS to 586700, wnupnarteaxeg.20.9, SmartDrive - Private Car Insurance Policy - Policy Wordings Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of ths contact and Is deemed to be Incorporated hevein has applied to Bharti AXA General Insurance Co. Ita (hereinafter refered to a8_"the Company") for the insurance hereinafter Contained and has paid the premium mentioned in the Schedule as Considaration for such insurance in respect of accidental loss or damage ceurrng during the period ofinsurance. [NOW Tits POLICY WITNESSETH That subject to the Terms Exceptions and Cencitions contained herein or endorsed expressed hereon: Section |-Los afar Damage To The Vhielnsured Of [AGE OF THE VEHICLE epee Sarion Not exceeding 6 months Ni Exceeding 6 months but not exceeding 4 year 3% Exceeding i year but not exceeding 2 years 10% Exceeding 2 years but not exceeding 3 years 15% Encooding 3 years but nat exceeding 4 years 25% Exceeding 4 years but nat exceeding 5 years 35% Exceeding 5 years but rat exceeding 10 years 40% Exceeaing 10 years 50% Tre Company willindemnify the insured against loss or damage tothe vehicle Insuredhereunderand/ or ts accessaries whilst tnereon by fre exsosionsetignition orighting 1) byburgaryhousebreakingorthetts iy byritand strike; ') byearthquake fire and shock damage) mest ¥) by flood typhoon hurricane storm hailstorm ost; inundation eyelone W) byaceidentatexternalmeans: Wi) bymalicious act; i bytorrarist activity %) wri ransitay oad ral inland ateraay it elevator rar x) bylandsiide rockstie. ‘Subjectto a deduction fr depreciation atthe rates mentioned below n respect of parts roplace: 4) Foralleubber/rpon/plastepars,tyresand - 50% lubes, batlores andairbags 2) For fibre glass components 30% 3) Foral parts made of glass Ni 4)Rate of depreciation for all other parts willbe asper te following schedule. Including, wooden parts ‘The Company shallnotbe lable to make any payment inrespectot ‘}Consequential loss, depreciation, wear and ‘eat, clectrcalbreakown talus arbreakages: 2) Damage to {yes and tubes unless the vehicle fs damaged at the ‘same time in which ease the labilty of the company shall be Iiited to 50% ofthe costof replacement. and 6) Any accidental loss or damage suffered wrist the insured or ary person driving the vehicle with the knowledge and consent of the Insuredis under the influence of intoxicating laur or crus. In the event ofthe vehicle being disabled by reason of loss or damage covered under this Poly the Company wil ear the reasonable cost of protection and removal to the nearest repairer anc redelvery tothe Insured but not exceeding in all Rs, 1500/- in respect of any one accident ‘The insured ray authorize the repair of the vehicle necessitated by damage for whieh the Company maybe lable under this Pole provided that 1) the estimated cost of such repair inclucing replacements, if any. does notexceed Rs. 500/ 1) the Company is furnished forthwith with adetalee estimate of thecostof repairs; and ii) the insured shall give the Compary every assistance to see that such epairis necessary and the charges are reasonable. Lote‘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 poly which is faxed at the commencementof each poleyperodfor the nsureevenicte The IDV ofthe vehicle (and accessories i ary ftedto the vehicle is tobe ied onthe basis ofte manufacturer’ listed seling pice ofthe brand and mocel fs the vehicle insured at the eanmeneement of inaurance/renewal anc Adjusted for depreciation (as pe schedule below} The Schedule of agewise depreciation as shown below i applicable forthe purpose of Total Lass/Constructiv Total Loss (TL/CTL) claims ony ae OF WE VERELE oe OETEN Cewdng 3 youn prot eceedne year | __a0H Trending 4p strat ecendng Beers | 60m IY of vehicles neyond § years of age and of obsolete madels ofthe vehicles (ie. models whieh the manufacturers have discontinued to manufacture} isto be determined on the Oasis of an understanding between the Compary and theinsure, IDV shale treated asthe ‘Market Valu" throughout the poly period without any further deprecation forthe purpose of Taal Loss (TL / Constructive Total Loss ert claims. The Insured vehicle shall be treated as CTL the aggregate cost of retrieval an / oF epair ofthe vehicle, subject to terms and conditons of te pole, exceeds 75%: ofthe IDV ofthe vehicle. Section I-Labiltto Third Parties 4) Subject tothe mits of tabity as Iald down in the Schedule hereto the ‘Company wllincernity the insured in the event ofan accident caused by orarsing aut ofthe use of the vehicle against all sums which the nsurea ‘hallbecome legallableo payin respect of = deat of or bodily injury to ary person incluing occupants caried inthe Vehicle provided such occupants are nat carted for hire or reward) but except so far as iL is necessary to meet the requirements of Motor Vehicies Act, the Company shal not be lable where such death or injury arises outof and in the course ofthe employment of such person bythe insured, i) damage to propery other than property belonging tothe insured o hele intustor inthe custody or contol ofthe insurec 2) The Company will py all costs and expenses incurred with its written consent. 3), Interns of and subject tothe limitations of te indemnity granted by tis Section to the insured, the Compary wil Indemnity any diver who 1s hiving the venicleon the insurea's order or with insureds permission provided that such diver shall as though he/she was the Insured observe {ulfll ana be suaject tothe terms exceptions ane conctions ofthis Policy insotaras trey apa. 4) In the event of the death of any person entiled to indemnity under this policy the Compary wil in respect of the lability Incurred by ‘such’ person indemnify his/her personal representative in. terms fof and. subject to the limtations of this Paley provided that such personal representative. shall as though such representative was. {he insured observe Tui and be supject to the terms exceptions andeondltions ofthis Poleyin sofas they apaly. bharti redefining / general insurance 5) The Comparymayat ts own option 4) arrange fr representation at ary Inquest o Fatal Inguity in rospect of any death which maybe the subject of indemnty uncer ths Plcy| and ®) undertake the defence of proceedings in ary Court of Lawn respect of ary ator alleged offence causing or relating to ary event which may be ‘the subjctof indemnity under ths Patcy. Nothing inthis Poly or any endorsement hereon shall affect the ign of any person indemnified by this Policy er ary other person to recover an amount under ory vite of the provisions of the Motor Vehicles Act. But the insured shall repay tothe Company al sums pale by the Company hich the Company would not have been lable to pay but for the said ‘Application of Limits of Indomnity In he event of any accent involving indemnity to more than one person any limitation by the terms ofthis Policy and/or of anyEndorsement thereon ofthe amount of any indemnity shall apply tothe aggregate amount of indemnity to all persons indemnified and such indemnity shall apply in rosy to the insured, Section Personal Accident Cover for Owner-Drver ‘Tne Compary undertakes to pay compensation as per the following scale for bocty injury’ death sustained by the ownerstiver of the vehicle, in drect fonnection with the vehicle insured or whilst driving or mounting ito/smounting from the vehile Insured or whilst traveling nitas a coctver, caused by violent accidental external and visible means whic independent of anyother use shall within sixcalendarmonths of such injury resultn Nature of injury ‘Seal of compensation 7] eath 100% Tose of two Tinbs oF git of wo eyes | or one imb and signt of one eye, t00% iy | Loss of one imb or sight of one eye 50% Permanent toal disablement from | injuries other than named above 100% Provided avays that 13} Compensation shallbe payaole under only one ofthe tes) tv) apove in respect of the ownerrver arising out of ary one occurrence and the {otal labilty ofthe Compary shal notin the aggregate exceed the sum of Rs, 2 lakhs during anyone period of insurance. 'b} No compensation shall be payable in respect of death or bodily injury ioe or nciecty wrollyor in part arising or resulting trom or traceable {0 (1) ntertionalsetfinjry sullde or attempted suicide physical defect or infirmity oF (2) an accident happening whilst such person is under the influence of intoxicating quor or drugs. 6). Such compensation shal be payable recy to the insured orto his/her legal representatives whose receipt shal be the fll discharge in respect ofthe injuryto the insurea Thiscoverissubjectto 4) the ounerdrveris te registered wnercfthe vehicle insuredherein 2) the ovmecarvers the insured named in this Polley. ) the oumersriver holds an effective driving eense, in accordance With the provisions of Rule 2 of the Central Matar Vehicles Rules, 11989, athe time ofthe accident, 2of6General Exceptions (applicable to all Sect ions the Policy) ‘The Compary shallnatbe lable under thisPoleyinrespectot 41) Any accidental loss or damage and/or liability caused sustained o- incurred outside the geographical area; 2). Anyelaim arising out of any contractual ability 3) Any accidental loss damage and/or lability caused sustained o inourred whilst the vehicle insuredherein is a) being used othenvise than in accordance wi astause the “Limtations being driven by ors forthe purpose of being driven by him/her in the ‘charge of any person ether than a Driver as stated in the Driver's, Clause, 4) a) Ary accidental loss or damage to any property whatsoever or any los 0° expense whatsoever resulting or arising there ftom or any consequertialoss bi) Ary lability of whatsoever nature directly or inivectly caused by oF ‘contibuted to by or arsing from ionsingraations or contamination by radioactivity from any nuclear ful or trom any nuclear wast frm the combustion of nuclear fuel For the purpose of this exception ‘comeustion shall nchie any sett sustalning process of nuelear fission, 5). Any accidental loss or damage or ably rectly o indirect eausedby contibuted toby or arising fom nuclear weapons materia 6) Any accidental loss damage and/or Habily crectly or increcty or proximately or remotely eccasioned by contributed to by oF traceable to oF arising out of or in connection with war, invasion, the act of forelgn enemies, hostiities or warlke operations (wether before or after declaration of war) chil war, mutiny rebelon, miltary or usurped power or by ary direct of indirect consequence of ary of the said occurrences and in the event of fay claim hereunder the insured shal prove that the accidental loss damage and/or liabilty arose Independently of and was In no way connected with or occasioned by or contributed to ty or lraceable to any of the said occurrences or any consequences ‘hereot and In defauk of such proot, the Company shall not be lable to make ary payment inrespectofsuen acl. Deduet The Company shall not be lable for each and every claim under Secton-I{oss of or damage tothe vehicle insured) ofthis Policy in respect of the deductibie stated inthe Schedule, Conditions This Poly and the Schedule shall be read together and any word oF ‘expression to which a specific meaning has been attached in ary part of tis Poleyorof the Schedule shall near the same meaning wherever tmay appear, 4) Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of fry claim and thereatter the insured shall give all such Information ad assistance as the Company shall require. Every lester claim writ summons and/or process or cosy thereot shall be fomarded 10 the Company immediately on receigt by the insured, Notice shall also be given in wring to the Company Immediately the insued shal have Anowlecge of ary. Impencing prosecution, inquest or fatal inquiy In respect of any occurrence: Which may ge rise to a claim under this Poly. In ease of theft or bharti redefining / general insurance 3 8 a criminal act which may be the subject of a claim under this Polley the insured shall give immediate notice to the police and co ‘operate with the Compary in securing the corvicion of the offender No admission offer promise payment or indemnity shallbe made or given by ot on behalf ofthe insured without the witten consent ofthe Company labieh shall be entitled if t 30 desires to ‘ake over and concuct in the name of the insured the cefence of settlement of ary claim or to Bosecute In the name ofthe insures for ita own beneft any clan for indemnity or otherwise and shal have full dscretion in the conduct ot ‘any proceedings on the setlement of ary claim anc the insured shall {ive all such information and assistance asthe compary may require. The Compary may a its own option repair reinstate or replace the vehicle ‘or part thereof and/or Is accessories ot may pay in eash the amount of ‘the lossor damage andthe labilty of the Company shall not exceed: 2) for total loss / constructive total loss of the vehicle - the Insured's Declared Value (DV) ofthe vehicle including accessories thereon) as specifedin te Schedule ess the value of the wreck. 9) for partial losses, Le. losses other than Total Loss/Constuctve Total Loss of the vehicle = actual and reasonable costs of repair and/or replacement of parts ost/damaged subject to depreciation as por limits snecteg ‘The insured shall take all reasonable steps to safeguard the vehicle from loss or damage and to maintain fin efficient condition and the Company shallhave at al imes free and full access to examine the vehiole or any part thereat or any ctiver or employee of the insured. Inthe event of any Accident or breakdown, the vehicle shal nat be eft unattended witht proper precautions being taken to prevent further damage or loss fand if the vehicle be driven before the necessary repairs are effected ary extension of the damage or any further damage to ‘the vehicle shall be entirely atthe insured's own sk The Compary may cancel the Policy by sencing seven days notice by recorded delivery to the insured at insurea's last known fades and in such event will return to the Insured the premium ald less the pro rata portion thereof for the petod the Policy has been In force or the Policy may be canceled at ary time by the insuree on seven days’ notice by recorded delivery and provided no claim has arsen curing the currency of the Policy, the insured shall be entitled to a return of premium less premium at the ‘Company's Short Period rates for the period the Policy has been in force. Retun of the premium by the Company wil be sunject to retention of the minimum premium of RS.200/- (or Rs.25/- in respect of vehicles specifically designed/modified for use by blind/hancieapped/mentally challenged persons}. Where the ‘ownership of the vehicle is transfered, the Policy cannot be canceled unless evidence that the vehicles insured elsewhere is produced, Ir at the tine of occurrence of an event that gives rise to ary claim under tis Policy there isin existence ary other insurance covering the same labilty, the Company shall not be lable to payor contribute mare than its ‘atable proportion of ary compensation, costor expense. IF ary clapute oF aifference shall arse as to the quantum to be paid under this Policy (lability being etherwise admitted), such dliference shall independent of all other questions be referred to the decision of a sole atbivator to be appointed in writing ty the parties to the dispute or if they cannot agree upon a single apbivator within 30 days of any party iwoking Arbivation, the same shall be referred to a panel of three arbivators comprising ‘wo arbitrators one to be appointed by each of the parties to the dispule / difference, and 2 third arbivator to be appointed by such (wo aritators who shall act as the presiding aritrator and \oitration shall be conducted under and In accordance with the provisions ofthe Abitration and Conciliation Act, 2996, 3of6eis clearly agreed and understood that no diference or dispute shall be referable to Arbivation as hereinbefore provided, Ifthe Company has csputed ornotacceptedlitiliy under or incespect ofthis Pole, Tis hereby exoressty stipulated and declared that it shall be condition precedent to any right of action or sult upon tis Polley thatthe award by Such arbtrator/ artators of the amount ofthe loss or damage shall be first obtaines Is also hereby further expressly agreed and declared thatthe Compary ‘shall cclaim lanl to te insured for ary claim hereunder and such claim shall not, within tweWve ealendar months trom the date of such tscaimer have been mace the subject matter ofa sul ina court of la, ‘then the claim shall forall purposes be deemed to have been abandoned ‘and shallnottrereafter ne recoverable hereunder 8) The due observance and fulfilment of the terms, conditions an endorsements of this Policy in so far as they relate to anything to bbe done or complied with ty the insured and the uth of the statements. and answers in the sald proposal shall be conditions precedent %0 ary liallty of the Company to make ary payment under this Policy 9) In the event of the death of the sole insured, this Poiey wil not immediately lapse. out wil romain vals for a period of three rmanths from Ue date of the death of insured of untl the expty of this Polley (whichever Is earlien. During the said period, legal heirs) of the insured to whom the custody and use of the Motor Vehicle passes may apply co have this Poly transfered to the name(s) of the heigs) of obtain a new insurance policy for the Motor Vehicle Where such legal eit) desires) to apply for wanster of this Policy or obtain @ new policy for the vehicle sueh hei(s) should rake an application to the Company accordingly within the aforesaid period, Allsuch appleatons should be accompaniedty: 42} Death Cerificate inrespectotthe insured »} Proofottitle tothe vehicle 6) Original Paticy Involee Price Cover(066) Seopect cover In consideration of the payment of an addtional premium as stated in the Schedilo, itis understood and agreed that the Company agrees to pay the “shortfall amount” between the amount received under Section of the policy anc the price as per the purchase nvoie OR the current replacement value of vehicle tthe same make model's avaliable, which everis ess nthe event ofa Totalloss/ Constructve Total Loss (CTL) or Total Theft ofthe vehicle The sala “shortfall amourt” also stancs to cover the Road tax and frst time regrstration charges incuted on the insured vehicle. Maximum lablty tothe ‘company's linted tothe sum insured statedin the policy schedule ‘Special Conditions apple tothisbenetit 1) Thevehicle isnot more than _ years old on the date of eommencement ofthe poicyperiog by. The Total loss/ Constructive Total Loss (CTL) or Total The ofthe vehicle ‘should be admissible under Section ofthe poly. ©) Insured shouttbe the frstreglstered owner ofthe vehicle 6} Vehicle insured shouldbe insigenous. fe), The bank/finance company whose interests endorsed inte policy shall agree inwrtng. Fist Information Report issued by police authorities needs ‘submittedwitn the company incase of theft of nsuredvercle be bharti redefining / general insurance ‘Special Exelustons- 4}. Ary electical/nan electical and electronic/non electronic accessors) inclucing any bi fuel kit forming part of the invoice but not insured uncer Section Lo the ple, bi) the vehicles recoveredwithin 90 days ofthe thet + Vehicle should nat be more than _ year ol from the date of inolce/ date of registration wnicheveris earlier onthe commencement date ofthe ole. Depreciation Cover (1067) ‘Scope of Cove In consideration of the payment of an acltional premium mentioned In the poly schedule tisheteby understood and agreed that tne Company shall nay the Depreciation amour deducted onthe value of the pats replaced for upto admissible claims* under Section I ofthe palicy, provided that the vehicle insured's= 8), Repaired atary of Compary’s authorized Garage Vehicle isnot more than __years old from the date of regstation or date of purchase whichever seater atthe commencement ofthe poly peti, * For the purpose ofthis Cover the exoression ‘admissible claim’ shall mean an event or series of events arsing out of one cause in connection witn the ‘vehicle inguredin respect of which indemmiy is provided under ths ple. Hospital cash coverH0t ) Scope of cove In consideration ofthe payment ofan adaitional premium as mentionedtin the polcy schedule tis hereby understood and agreed that the Company agrees te pay the amount mentioned inthe policy schecule per insurea() for per day of hospitalisation caused due to bodily injury caused by accidental, external, \olent and wsible means while aveling in, embarking or disembarking trom the insured vehicle during the poliy period as mentioned inthe schedule for \abich aval claim under the Poly is admissible. Expenses Reimbursement Cover(I069) Scope ot cove In consideration ofthe payment ofan addtional premium as specified in the poley schedule Its hereby understood and agreed that the Company Lndertakes to reimburse Mecical Expenses per Insured person's upto the ‘Sum Insured as specified in the Schedule, aut not exceeding the maximum licensed capacity of te vehicle following treatment of bol injury caused by Accidental, extemal, volent and visible means While tavelingin, embarking ot cisombarking rom the insured vehicle ‘Spocial Conditions: The Company stands to cover medical expenses for reatment taken from only registered Medical Practitioners under respective medical council, ‘Ambulance Charges Cover 1070) ‘Scope of cove In consideration ofthe payment of an acditional premium mentioned in the poly schedule tis hereby understood and agrees thatthe Company agrees {opay reimbursement amount as mentioned nthe policy schedule incurredby the insureois) towards transportation of tne insured’ Insured persons) in Ambulance tothe Hospital post suffering bodily jury caused by accigental, fexternal, violent and visible means while traveling in, embarking ot clsembarkin from the insured vehicle during the polcy period as mertioned inthe schedule for which a vald claim under the Policy #s admssibe Maximum lability tothe company is imited tothe sum insured stated in the polley schedule. 4otéRoadside Assistance cover (1100) Scopect cover In consideration ofthe payment of any addtional premium mentioned inthe Boley schedule iis hereby understand and agreed that the company agrees fo provide Roadside assistance though an authorised vendor in case of breakown ofthe insured vehicle. The services provided under the Roadsice Assistance areas under 4), Repair Services for Minor Breakdowns: It your vehicle is immobilized whether at home oF on the road for @ minor breakcown (definition of "minor" being a breakdown tna can tkely be fed within a period af maximum 30 minutes with na need fora specific spare part tobe replaced unless immeciately avalable at our mechanic's workshop) we Will dispatch a mechanic that wil attempt to fx it on the spol/sige of ‘he road. ») Veet relocation tthe nearest garagelin case of Malor breakdown: It the attemat to remobiize the vehicle falls folowing @ mechanical or electrical breakdown, arecovery vehicle canbe sent to you, wil collect the alc- ‘tf vette and take tothe nearest dealer or garage in measure to proceed to nerepairat the workshop. ©). Changingot Flat tyre Ite ures} has (have) a puncture which immobilzes the vehicle, we can send youa mechanic thatean hep you replace the punctured tyre, provided thatthe Stver does have a spare tye In a shape of ordes I more than one fre Is puncture, while there fs only ane spare tye per vehicle, the immobilization may be necessary ny the time the tres are being repalred or replaced atthe Givers expenses at ne workshop. bharti redefining / general insurance 4) Assistance incase of Lockout/lostkeys Iryou have lost yourvehicle key o locked it inside the vehicle, we can clspatch ‘2 mechani at the location of the indent and help you ether unlock the ‘vehicle without damaging the vehicle or whenever anduwherever passa, help you make a copy ofthe key or arrange delivery of key set rom his/her place of residence, The cast af replacement the key willbe borne by the customer @) Arrangement of emergency fuelin ease the vehele runs out of fuel: If the vehicle nas run short of fuel, we can dispatch a mechanic wit an ‘emergency ank of fel, The costo uel willbe bome by the customer 1) Aornative Transport assistance to the nearest safe location for the passengersof the vehice: Ifthe vehicle s being lait, we ean dispatch an alternative transport to the passengers of the vehicle and take them tothe nearest safe location. This Arrangement wile taken forward on a referral bass, and all costs ave to be ‘aporoved andlbomeby the customer. ‘Special Conditions (for all overage) a) Alladational expenses regarcing replacement ofa part adctional fue and ‘any other service which does nat farm a pao the standard services provided \wouldbe on chargeable basis tthe insured. The tentrial scope of the Roadside Assistance Services provided will be 50 Kms.acivs of any office of hart AXAr ely uncer coverage network of AX, Assistance, n the Reguli of India, excluding islands, 5 of 6PwyPc/cREY/o5-14 bharti redefining / general insurance For deals o rik factor and ers & conitons, plate read the brochure careflly before concliading a se, Insurance isthe subject mate of the 6 of 6