Policy - Wordings - Auto Secure Two Wheeler Package Policy - PDF - Bf0c3ddeb3

Auto Secure Two Wheeler Package Policy
UIN: IRDAN108RP0076V01201819
AUTO SECURE TWO WHEELER PACKAGE POLICY

UIN: IRDAN108RP0076V01201819
POLICY WORDINGS
Tata AIG General Insurance Co. Ltd.

Registered Office:
Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
24x7 Toll Free No: 1800 266 7780
Email: customersupport@tataaig.com
Website: www.tataaig.com
IRDA of India Registration No: 108
CIN: U85110MH2000PLC128425
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Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400013
24x7 Toll Free No: 1800 266 7780 | Email: customersupport@tataaig.com | Website: www.tataaig.com
IRDA of India Registration No: 108 | CIN:U85110MH2000PLC128425
UIN: IRDAN108RP0076V01201819
Whereas the Insured by a proposal and declaration 2. For Fibre glass components 30%
dated as stated in the Schedule which shall be the
3. For All Parts made of Glass NIL
basis of this contract and is deemed to be incorporated
4. Rate of depreciation for all
herein has applied to TATA AIG GENERAL INSURANCE
other parts including wooden
COMPANY LTD. (hereinafter called the Company) for parts will be as per following
Insurance hereinafter contained and has paid the schedule
premium mentioned in the Schedule as consideration % of
for such Insurance in respect of accident loss or damage Age of the vehicle
Depreciation
occurring during the Period of Insurance. Not Exceeding 6 months NIL
(The term two wheeler referred to in this Tariff will Exceeding 6 months but not
5%
exceeding 1 year
include motor cycle / scooter / auto cycle or any other
motorised two wheeled vehicle mentioned in the Exceeding 1 year but not
10%
exceeding 2 years
Schedule).
Exceeding 2 year but not
15%
Now This Policy Witnesseth: exceeding 3 years
Exceeding 3 years but not
That subject to the Terms Exceptions and Conditions 25%
exceeding 4 years
contained herein or endorsed or otherwise expressed
Exceeding 4 years but not
hereon; 35%
exceeding 5 years
Section I: Loss of or Damage to the Vehicle Insured Exceeding 5 years but not
40%
exceeding 10 years
1. The Company will indemnify the Insured against Exceeding 10 years 50%
loss or damage to the vehicle insured hereunder 5. Rate of depreciation for painting: In the case of
and/or its accessories whilst thereon painting, depreciation rate of 50% shall be applied
only on the material cost of total painting charges.
I. by fire explosion self-ignition or lightning; In case of a consolidated bill for painting charges,
the material component shall be considered as
II. by burglary housebreaking or theft; 25% of the total painting charges for the purpose
of applying the depreciation.
III. by riot and strike;
2. The Company shall not be liable to make any
IV. by earthquake (Fire and Shock Damage);
payment in respect of:
V. by flood typhoon hurricane storm tempest
(a) consequential loss, depreciation, wear and
inundation cyclone hailstorm frost;
tear, mechanical or electrical breakdown
VI. by accidental external means; failures or breakages;
VII. by malicious act; (b) damage to Tyres and Tubes unless the vehicle
is damaged at the same time in which case the
VIII. by terrorist activity;
liability of the Company shall be limited to 50%
IX. whilst in transit by road rail inland -waterway of the cost of replacement.
lift elevator or air;
(c) loss of or damage to accessories by burglary
X. by landslide rockslide. housebreaking or theft unless the vehicle is
stolen at the same time; and
Subject to a deduction for depreciation at
the rates mentioned below in respect of the (d) any accidental loss or damage suffered whilst
parts replaced the insured or any person driving the vehicle
1. For All Rubber/ Nylon/ Plastic with the knowledge and consent of the insured
50%
Parts, tyres, tubes and batteries is under the influence of intoxicating liquor or
drugs.
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3. In the event of the vehicle being disabled by Exceeding 3 years but not
reason of loss or damage covered under this Policy 40%
exceeding 4 years
the Company will bear the reasonable cost of Exceeding 4 years but not
protection and removal to the nearest repairer and 50%
exceeding 5 years
of redelivery to the insured but not exceeding in all
Rs. 300/- in respect of any one accident. IDV of vehicles beyond 5 years of age and of obsolete
models of vehicles (i.e. models which the manufacturers
4. The Insured may authorise the repair of the vehicle have discontinued to manufacture) is to be determined
necessitated by damage for which the Company on the basis of an understanding between the insurer
may be liable under this Policy provided that: and the insured.
(a) the estimated cost of such repair including IDV shall be treated as the ‘Market Value’ throughout
replacements, if any, does not exceed Rs. 150/- the policy period without any further depreciation for
the purpose of Total Loss (TL)/ Constructive Total Loss
(b) the Company is furnished forthwith with a
(CTL) claims.
detailed estimate of the cost of repairs and
The insured vehicle shall be treated as CTL if the
(c) the Insured shall give the Company every
aggregate cost of retrieval and/or repair of the vehicle,
assistance to see that such repair is necessary
subject to terms and conditions of the policy, exceeds
and the charges are reasonable.
75% of the IDV of the vehicle.
Sum Insured - Insured’s Declared Value (IDV)
Section II: Liability to Third Parties
The Insured’s Declared Value (IDV) of the vehicle will
1. Subject to the limits of liability as laid down in the
be deemed to be the ‘SUM INSURED’ for the purpose of
Schedule hereto the Company will indemnify the
this Policy which is fixed at the commencement of each
insured in the event of an accident caused by or
policy period for the insured vehicle.
arising out of the use of the insured vehicle against
The IDV of the vehicle (and side car accessories, if any, all sums which the Insured shall become legally
fitted to the vehicle) is to be fixed on the basis of the liable to pay in respect of
manufacturer’s listed selling price of the brand and
(i) death of or bodily injury to any person
model as the insured vehicle at the commencement of
including occupants carried in the insured
insurance/renewal and adjusted for depreciation (as
vehicle (provided such occupants are not
per schedule below):
carried for hire or reward) but except so far
The schedule of age-wise depreciation as shown below as it is necessary to meet the requirements of
is applicable for the purpose of Total Loss/Constructive Motor Vehicles Act, the Company shall not be
Total Loss (TL/CTL) claims only. liable where such death or injury arises out of
and in the course of the employment of such
The Schedule of Depreciation for Fixing IDV of the person by the insured.
Vehicle
(ii) damage to property other than property
% of belonging to the insured or held in trust or in
Age of The Vehicle Depreciation the custody or control of the insured.
For Fixing IDV
Not exceeding 6 months 5% PROVIDED ALWAYS that the Company shall not be
Exceeding 6 months but not liable in respect of death injury or damage caused
15%
exceeding 1 year or arising beyond the limits of any carriageway or
Exceeding 1 year but not thoroughfare in connection with the bringing of the
20%
exceeding 2 years load to the vehicle for loading thereon or the taking
Exceeding 2 years but not away of the load from the vehicle after unloading
30%
exceeding 3 years there from.
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2. The Company will pay all costs and expenses this Policy and/or of any Endorsement thereon of the
incurred with its written consent. amount of any indemnity shall apply to the aggregate
amount of indemnity to all persons indemnified and
3. In terms of and subject to the limitations of the
such indemnity shall apply in priority to the insured.
indemnity granted by this section to the insured,
the Company will indemnify any driver who is Section III - Personal Accident Cover for Owner-
driving the vehicle on the insured’s order or with driver
insured’s permission provided that such driver
Subject otherwise to the terms exceptions conditions
shall as though he/ she was the insured observe
and limitations of this policy, the Company undertakes
fulfill and be subject to the terms exceptions and
to pay compensation as per the following scale for
conditions of this Policy in so far as they apply.
bodily injury/death sustained by the Owner-Driver
4. In the event of the death of any person entitled of the vehicle, in direct connection with the vehicle
to indemnity under this Policy the Company will insured or whilst mounting into/dismounting from or
in respect of the liability incurred by such person traveling in the insured vehicle as a co-driver, caused
indemnify his/her personal representative(s) in by violent accidental external and visible means which
terms of and subject to the limitations of this Policy independent of any other cause shall within six calendar
provided that such personal representative(s) months of such injury result in:
shall as though such representative was the
insured observe fulfill and be subject to the terms Scale of
Details of Injury
Compensation
exceptions and conditions of this Policy in so far as
they apply. i) Death 100%
ii) Loss of two limbs or sight of
5. The Company may at its own option. two eyes or one limb and sight of 100%
one eye
(a) arrange for representation at any Inquest or
iii) Loss of one limb or sight of
Fatal Inquiry in respect of any death which may 50%
one eye
be the subject of indemnity under this Policy
iv) Permanent Total Disablement
and from injuries other than named 100%
above
(b) undertake the defence of proceedings in any
Court of Law in respect of any act or alleged Provided always that
offence causing or relating to any event which
may be the subject of indemnity under this a) the compensation shall be payable under only
Policy. one of the items (i) to (iv) above in respect of the
owner-driver arising out of any one occurrence
Avoidance of Certain Terms and Right of Recovery and the total liability of the insurer shall not in the
aggregate exceed the sum of Rs.15 lakhs during
Nothing in this Policy or any endorsement hereon shall
any one period of insurance.
affect the right of any person indemnified by this Policy
or any other person to recover an amount under or by (b) no compensation shall be payable in respect of
virtue of the Provisions of the Motor Vehicles Act. death or bodily injury directly or indirectly wholly
or in part arising or resulting from or traceable
But the Insured shall repay to the Company all sums
to (1) intentional self injury suicide or attempted
paid by the Company which the Company would not
suicide physical defect or infirmity or (2) an
have been liable to pay but for the said provision.
accident happening whilst such person is under
Application of Limits of Indemnity the influence of intoxicating liquor or drugs.
In the event of any accident involving indemnity to (c) Such compensation shall be payable directly to the
more than one person any limitation by the terms of insured or to his/her legal representatives whose
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UIN: IRDAN108RP0076V01201819
receipt shall be the full discharge in respect of the combustion of nuclear fuel. For the purposes
injury to the insured. of this exception combustion shall include any
self sustaining process of nuclear fission.
This cover is subject to
5. Any accidental loss damage or liability directly or
(a) the Owner-Driver is the registered owner of the
indirectly caused by or contributed to by or arising
vehicle insured herein;
from nuclear weapons material.
(b) the Owner-Driver is the insured named in this
6. Any accidental loss or damage and/or liability
policy;
directly or indirectly or proximately or remotely
(c) the Owner-Driver holds an effective driving license, occasioned by or contributed to by or traceable to
in accordance with the provisions of Rule 3 of the or arising out of or in connection with war, invasion,
Central Motor Vehicles Rules, 1989, at the time of the act of foreign enemies, hostilities or warlike
the accident. operations (whether before or after declaration of
war) civil war, mutiny rebellion, military or usurped
• Nominee details are mandatory for this cover. power or by any direct or indirect consequences
Please provide nominee details in proposal form. of any of the said occurrences and in the event of
any claim hereunder the Insured shall prove that
General Exceptions (Applicable to all Sections of
the accidental loss damage and/or liability arose
the Policy)
independently of and was in no way connected with
The Company shall not be liable under this Policy in or occasioned by or contributed to by or traceable
respect of: to any of the said occurrences or any consequences
thereof and in default of such proof the Company
1. Any accidental loss damage and/or liability caused shall not be liable to make any payment in respect
sustained or incurred outside the Geographical of such a claim.
Area.
Deductible
2. Any claim arising out of any contractual liability.
The Company shall not be liable for each and every
3. any accidental loss damage and/or liability caused claim under Section - I (loss of or damage to the vehicle
sustained or incurred whilst the vehicle insured insured) of this Policy in respect of the deductible stated
herein is in the Schedule.
(a) being used otherwise than in accordance with GENERAL CONDITIONS
the Limitations as to Use or
This Policy and the Schedule shall be read together and
(b) being driven by or is for the purpose of being any word or expression to which a specific meaning
driven by him/ her in the charge of any person has been attached in any part of this Policy or of the
other than a Driver as stated in the Driver’s Schedule shall bear the same meaning wherever it may
Clause. appear.
4. (i) Any accidental loss or damage to any property A) Conditions precedent to contract
whatsoever or any loss or expense whatsoever
resulting or arising there from or any consequential 1. Premium to be paid for the Policy Period
loss before Policy commencement date as opted
by insured in the proposal form.
(ii) any liability of whatsoever nature directly
or indirectly caused by or contributed to 2. The due observance and fulfillment of the
by or arising from ionising radiations or terms conditions and endorsements of this
contamination by radioactivity from any policy in so far as they relate to anything to be
nuclear fuel or from any nuclear waste from the done or complied with by the insured and the
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truth of the statements and answers in the said and assistance as the Company may
proposal shall be condition precedent to any require.
liability of the Company to make any payment
6) At any time after the happening of any
under this policy.
event giving rise to a claim under Section II
B) Conditions during the contract of this Policy the Company may pay to the
insured the full amount of the Company’s
1. Duties and Obligations after Occurrence of
liability under the Section and relinquish
an Insured Event
the conduct of any defence settlement or
1) Notice shall be given in writing to proceedings
the Company immediately upon the
7) the Company shall not be responsible
occurrence of any accidental loss or
for any damage alleged to have been
damage and in the event of any claim
caused to the insured in consequence
and thereafter the insured shall give all
of any alleged action or omission of the
such information and assistance as the
Company in connection with such defence
Company shall require. Every letter claim
settlement or proceedings or of the
writ summons and/or process or copy
Company relinquishing such conduct; nor
thereof shall be forwarded to the Company
shall the Company be liable for any costs
immediately on receipt by the insured.
or expenses whatsoever incurred by the
2) Notice shall also be given in writing to insured or any claimant or other person
the Company immediately the insured after the Company shall have relinquished
shall have knowledge of any impending such conduct.(applicable for commercial
prosecution Inquest or Fatal Inquiry in vehicles only)
respect of any occurrence which may give
8) The Company may at its own option repair
rise to a claim under this policy.
reinstate or replace the vehicle insured
3) In case of theft or criminal act which may or part thereof and/or its accessories or
be the subject of a claim under this policy may pay in cash the amount of the loss or
the insured shall give immediate notice damage and the liability of the Company
to the police and co-operate with the shall not exceed:
company in securing the conviction of the
(a) for total loss / constructive total loss
offender.
of the vehicle - the Insured’s Declared
4) No admission offer promise payment or Value (IDV) of the vehicle (including
indemnity shall be made or given by or on accessories thereon) as specified in
behalf of the insured without the written the Schedule less the value of the
consent of the Company which shall be wreck.
entitled if it so desires to take over and
(b) for partial losses, i.e. losses other than
conduct in the name of the insured the
Total Loss/Constructive Total Loss of
defence or settlement of any claim or to
the vehicle - actual and reasonable
prosecute in the name of the insured for
costs of repair and/or replacement
its own benefit any claim for indemnity
of parts lost/damaged subject to
or damages or otherwise and shall have
depreciation as per limits specified.
full discretion in the conduct of any
proceedings or in the settlement of any 2. Reasonable Care
claim
The Insured shall take all reasonable steps
5) the insured shall give all such information to safeguard the vehicle insured from loss
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UIN: IRDAN108RP0076V01201819
or damage and to maintain it in efficient vehicle is transferred, the Policy cannot be

condition. cancelled unless evidence that the vehicle
is insured elsewhere is produced.
3. Right to Inspect
c. Cancellation premium retention grid:
The Company shall have at all times free and
full access to examine the vehicle insured or % OF ANNUAL
any part thereof or any driver or employee of PERIOD PREMIUM TO
the insured. In the event of any accident or RETAIN
breakdown, the vehicle insured shall not be Not exceeding 1
20%
left unattended without proper precautions month
being taken to prevent further damage or loss Exceeding 1 month
and if the vehicle insured be driven before the but not exceeding 30%
necessary repairs are effected, any extension 2 months
of the damage or any further damage to the Exceeding 2
months but not
vehicle shall be entirely at the insured’s own 40%
exceeding 3
risk. months
4. Cancellation Exceeding 3
months but not
50%
a. The Company may cancel the policy by exceeding 4
sending fifteen days notice by recorded months
delivery to the insured at insured’s last Exceeding 4
known address and in such event will months but not
60%
return to the insured the premium paid exceeding 5
months
less the pro rata portion thereof for the
Exceeding 5
period the policy has been in force unless
months but not
the policy is cancelled on the grounds of 70%
exceeding 6
mis-representation, fraud, non-disclosure months
of material facts or non-cooperation of Exceeding 6
the insured in which case the policy will be months but not
80%
cancelled on ‘ab-initio’ basis with forfeiture exceeding 7
of premium and non consideration of months
claim, if any. Exceeding 7
months but not
b. The policy may be cancelled at any time 90%
exceeding 8
by the insured on fifteen days notice by months
recorded delivery and provided no claim Exceeding 8 Full annual
has arisen during the currency of the months premium/ rate
policy, the insured shall be entitled to a
5. Arbitration Clause
return of premium less premium at the
company’s short period rates for the period If any dispute or difference shall arise as to the
the policy has been in force. Return of the quantum to be paid under the policy (liability
premium by the Company will be subject being otherwise admitted), such difference
to retention of the minimum premium of shall independent of all other questions be
Rs. 100/- (or Rs. 25/- in respect of vehicles referred to the decision of a sole arbitrator to
specifically designed/modified for use by be appointed in writing by the parties to the
blind/handicapped/ mentally challenged dispute or if they cannot agree upon a single
persons). Where the ownership of the arbitrator within 30 days of any party invoking
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UIN: IRDAN108RP0076V01201819
Arbitration, the same shall be referred to a panel • Email - general.claims@tataaig.com

of three arbitrators comprising two arbitrators
• Website – www.tataaig.com
one to be appointed by each of the parties to
the dispute/difference, and a third arbitrator II. Insured or claimant shall furnish immediate
to be appointed by such two arbitrators who loss details, which shall include details of the
shall act as the presiding arbitrator and the loss event, location of the loss, location of the
arbitration shall be conducted in accordance damaged vehicle, and names and telephone
with the provisions of the Arbitration & numbers of contact personnel
Conciliation Act,1996.
It is clearly agreed and understood that no

difference or dispute shall be referable to III. If the claim is for theft, insured should report
Arbitration as hereinbefore provided, if the to the Police as well as insurer within 48 hrs
Company has disputed or not accepted liability from theft and obtain an FIR or a written
under or in respect of this policy. acknowledgement from the Police authorities.
It is hereby expressly stipulated and declared Notice of claim must be given by you to us
that it shall be condition precedent to any right immediately after an actual or potential loss
of action or suit upon this policy that the award begins or as soon as reasonably possible after
by such arbitrator/arbitrators of the amount of actual or potential loss begins.
the loss or damage shall be first obtained.
In case of vehicle theft, a police complaint has
It is also hereby further expressly agreed and to be filed immediately after the loss. Please
declared that if the Company shall disclaim keep the following information ready when
liability to the insured for any claim hereunder you call the call centre:
and such claim shall not, within twelve calendar
1. Your Contact Numbers
months from the date of such disclaimer have
been made the subject matter of a suit in a court 2. Policy Number
of law, then the claim shall for all purposes be
3. Name of Insured
deemed to have been abandoned and shall
not thereafter be recoverable hereunder. 4. Date & Time of loss
6. Contribution 5. Location of loss
If at the time of occurrence of an event that 6. Nature of Loss
gives rise to any claim under this policy,
there is in existence any other insurance 7. Place & Contact Details of the person at
covering the same loss, damage or liability, the loss location
the Company shall not be liable to pay or
Note: The above list is only indicative. You may
contribute more than its ratable proportion of
be asked for additional documents. For more
any compensation cost or expense.
details, please refer to the intimation cum
C) Conditions when a claim arises preliminary claim form.
The insured / claimant will intimate claim to TATA D) Conditions for renewal of the contract
AIG via –
Renewal Notice
I. Call Centre:
The Policy may be renewed with our consent. The
• Toll Free Number – 18002667780 benefits under the policy or/and the terms and
conditions of the policy, including premium rate
may be subject to change.
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UIN: IRDAN108RP0076V01201819
We, however, are not bound to give notice that IMT1. Extension of Geographical Area
it is due for renewal. Unless renewed as herein
In consideration of the payment of an additional
provided, this Policy shall terminate at the expiration
premium of Rs……….it is hereby understood and agreed
of the period for which premium has been paid /
that notwithstanding anything contained in this Policy
received. No renewal receipt shall be valid unless it
to the contrary the Geographical Area in this Policy
is on the printed form of the Company and signed
shall from the . . ./ . ./ . . . . to the . …/. . /. . . .(Both
by an authorized official of the Company.
days inclusive) be deemed to include *
E) Special Conditions
It is further specifically understood and agreed that
1. In the event of the death of the sole insured, such geographical extension excludes cover for damage
this policy will not immediately lapse but will to the vehicle insured / injury to its occupants / third
remain valid for a period of three months party liability in respect of the vehicle insured during
from the date of the death of insured or until sea voyage / air passage for the purpose of ferrying the
the expiry of this policy (whichever is earlier). vehicle insured to the extended geographical area.
During the said period, legal heir(s) of the
insured to whom the custody and use of the
and limitations of this Policy.
Motor Vehicle passes may apply to have this
policy transferred to the name(s) of the heir(s) NOTE:- Insert Nepal/ Sri Lanka/ Maldives/ Bhutan/
or obtain a new insurance policy for the Motor Pakistan/Bangladesh as the case may be.
Vehicle.
IMT5.HIRE PURCHASE AGREEMENT
Where such legal heir(s) desire(s) to apply for
a transfer of this policy or obtain a new policy It is hereby understood and agreed that ..... [hereinafter
for the vehicle such heir(s) should make an referred to as the Owners (refer Policy Schedule)] are
application to the Company accordingly within the Owners of the vehicle insured and that the vehicle
the aforesaid period. All such applications insured is subject of an Hire’ Purchase Agreement made
should be accompanied by:- between the Owners on the one part and the insured on
the other part and it is further understood and agreed
a. Death certificate in respect of the insured that the Owners are interested in any monies which but
for this Endorsement would be, payable to the insured
b. Proof of title to the vehicle
under this Policy in respect of such loss or damage to
c. Original Policy the vehicle insured as cannot be made good by repair
and/or replacement of parts and such monies shall be
2. In the event the claim is not settled within
paid to the Owners as long as they are the Owners of
30 days, the Company shall be liable to pay
the vehicle insured and their receipt shall be a full and
interest at a rate, which is 2% above the bank
final discharge to the insurer in respect of such loss
rate from the date of receipt of last relevant
or damage.
and necessary document from the Insured/
claimant by Company till the date of actual It is further declared and agreed that for the purpose
payment. of the Personal Accident Cover for the owner-driver
granted under this Policy, the insured named in the
3. Failure to furnish evidence within the time
Policy will continue to be deemed as the owner-driver
required shall not invalidate nor reduce any
subject to compliance of provisions of the Policy relating
claim if You can satisfy Us that it was not
to this cover.
reasonably possible for You to give the proof
within such time. Save as by this Endorsement expressly agreed nothing
herein shall modify or affect the rights and liabilities
SECTION IV - Endorsements (attached to and
of the insured or the insurer respectively under or in
forming part of Policy)
connection with this Policy.
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UIN: IRDAN108RP0076V01201819
Subject otherwise to the terms exceptions conditions It is hereby declared and agreed that the vehicle insured
and limitations of this Policy. is pledged to /hypothecated with ...............................
[hereinafter referred to as the “Pledgee” (refer Policy
IMT6. LEASE AGREEMENT
Schedule)] and it is further understood and agreed
It is hereby understood and agreed that [hereinafter that the Pledgee is interested in any monies which but
referred to as the Lessors (refer Policy Schedule)] are for this Endorsement would be payable to the insured
the Owners of the vehicle insured and that the vehicle under this Policy in respect of such loss or damage to
insured is the subject of a Lease Agreement made the vehicle insured as cannot be made good by repair
between the Lessor on the one part and the insured and/or replacement of parts and such monies shall be
on the other part and it is further understood and paid to the Pledgee as long as they are the Pledgee of
agreed that the Lessors are interested in any monies the vehicle insured and their receipt shall be a full and
which but for this Endorsement would be payable to final discharge to the insurer in respect of such loss or
the insured under this Policy in respect of such loss damage.
or damage to the vehicle insured as cannot be made
It is further declared and agreed that for the purpose
good by repair and/or replacement of parts and such
of the Personal Accident Cover for the owner-driver
monies shall be paid to the Lessors as long as they are
granted under this Policy, the insured named in the
the owners of the vehicle insured and their receipt shall
be a full and final discharge to the insurer in respect of
subject to compliance of provisions of the Policy relating
such loss or damage. It is also understood and agreed
to this cover.
that notwithstanding any provision in the Leasing
Agreement to the contrary, this Policy is issued to the Save as by this Endorsement expressly agreed that
insured namely................. (refer Policy Schedule) as the nothing herein shall modify or affect the rights or
principal party and not as agent or trustee and nothing liabilities of the insured or the insurer respectively
herein contained shall be construed as constituting under or in connection with this Policy or any term,
the insured an agent or trustee for the Lessors or as provision or condition thereof.
an assignment (whether legal or equitable) by the
insured to the Lessors, of his rights benefits and claims
under this Policy and further nothing herein shall be
construed as creating or vesting any right in the Owner/ IMT8. DISCOUNT FOR MEMBERSHIP OF RECOGNISED
Lessor to sue the insurer in any capacity whatsoever for AUTOMOBILE ASSOCIATIONS.
any alleged breach of its obligations hereunder.
It is hereby understood and agreed that in consideration
It is further declared and agreed that for the purpose of insured’s membership of ………………** a discount in
of the Personal Accident Cover for the owner-driver premium of Rs.* is allowed to the insured hereunder
granted under this Policy, the insured named in the from …. /…../…...
subject to compliance of provisions of the Policy relating It is further understood and agreed that if the insured
to this cover. ceases to be a member of the above mentioned
association during the currency of this Policy the
Save as by this Endorsement expressly agreed nothing insured shall immediately notify the insurer accordingly
herein shall modify or affect the rights and liabilities and refund to the insurer a proportionate amount of
of the insured or the insurer respectively under or in the discount allowed on this account for the unexpired
connection with this Policy. period of the cover.
Subject otherwise to the terms exceptions conditions Subject otherwise to the terms exceptions conditions
and limitations of this Policy. and limitations of the policy
IMT7. VEHICLE SUBJECT TO HYPOTHECATION * For full policy period, the full tariff discount to be
AGREEMENT inserted. For mid-term membership, prorata proportion
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of the tariff discount for the unexpired policy period is It is hereby understood and agreed that the insurer shall
to be inserted. not be liable in respect of the vehicle insured while the
vehicle is being used elsewhere than in the insured’s
** Insert name of the concerned Automobile
premises except where the vehicle is specifically
Association.
required for a mission to fight a fire.
IMT.10. INSTALLATION OF ANTI-THEFT DEVICE
For the purposes of this endorsement ‘Use confined
In consideration of certification by …………………* that to own premises’ shall mean use only on insured’s
an Anti-Theft device approved by Automobile Research premises to which public have no general right of
Association of India (ARAI), Pune has been installed access.
in the vehicle insured herein a premium discount of
IMT15.
PERSONAL ACCIDENT COVER TO THE
Rs…………** is hereby allowed to the insured.
INSURED OR ANY NAMED PERSON OTHER THAN
It is hereby understood and agreed that the insured PAID DRIVER OR CLEANER
shall ensure at all times that this Anti-theft device
(Applicable to private cars including three wheelers
installed in the vehicle insured is maintained in efficient
rated as private cars and motorized two wheelers with
condition till the expiry of this policy.
or without side car [not for hire or reward])
Subject otherwise to the terms, exceptions, conditions
and limitations of the policy
premium it is hereby agreed and understood that the
* The name of the certifying Automobile Association is Company undertakes to pay compensation on the
to be inserted. scale provided below for bodily injury as hereinafter
defined sustained by the insured person in direct
** Premium discount calculated as per tariff provision is connection with the vehicle insured or whilst mounting
to be inserted. For mid-term certification of installation and dismounting from or traveling in vehicle insured
of Anti Theft device pro-rata proportion of tariff discount and caused by violent, accidental, external and visible
for the unexpired period is to be inserted. means which independently of any other cause shall
within six calendar months of the occurrence of such
IMT.12. DISCOUNT FOR SPECIALLY DESIGNED/
injury result in:
MODIFIED VEHICLES FOR THE BLIND, HANDICAPPED
AND MENTALLY CHALLENGED PERSONS. Scale of
Details of Injury
Compensation
Notwithstanding anything to the contrary contained
in the policy it is hereby understood and agreed that i) Death 100%
the vehicle insured being specially designed /modified ii) Loss of two limbs or sight of
for use of blind, handicapped and mentally challenged two eyes or one limb and sight of 100%
one eye
persons and suitable endorsement to this effect having
been incorporated in the Registration Book by the 50%
one eye
Registering Authority, a discount of 50% on the Own
Damage premium for the vehicle insured is hereby
from injuries other than named 100%
allowed to the insured. above
Subject otherwise to the terms exceptions conditions Provided always that:
and limitations of the policy.
(1) Compensation shall be payable under only one
IMT13 .USE OF VEHICLE WITHIN INSURED’S OWN of the items (i) to (iv) above in respect of any such
PREMISES person arising out of any one occurrence and total
(Applicable to all classes except as otherwise liability of the insurer shall not in the aggregate
provided in the tariff) exceed the sum of Rs... *(refer Policy Schedule)
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UIN: IRDAN108RP0076V01201819
during anyone period of insurance in respect of ii) Loss of two limbs or sight of
any such person. two eyes or one limb and sight of 100%
one eye
(2) no compensation shall be payable in respect of
death or injury directly or indirectly wholly or in 50%
one eye
part arising or resulting from or traceable to (a)
intentional self injury suicide or attempted suicide
physical defect or infirmity or (b) an accident above
happening whilst such person is under the
influence of intoxicating liquor or drugs. Provided always that:-
(3) such compensation shall be payable only with (1) compensation shall be payable under only one of
the approval of the insured named in the Policy the items (i) to (iv) above in respect of any such
and directly to the injured person or his/her legal person arising out of anyone occurrence and total
representative(s) whose receipt shall be a full liability of the insurer shall not in the aggregate
discharge in respect of the injury of such person. exceed the sum of Rs..... *(refer Policy Schedule)
during anyone period of insurance in respect of
Subject otherwise to the terms exceptions conditions any such person.
(2) no compensation shall be payable in respect of
*The Capital Sum Insured (CSI) per passenger is to be death or injury directly or indirectly wholly or in
inserted. part arising or resulting from or traceable to (a)
intentional self injury suicide or attempted suicide
IMT16. PERSONAL ACCIDENT TO UNNAMED
physical defect or infirmity or (b) an accident
PASSENGERS OTHER THAN INSURED AND THE PAID
DRIVER AND CLEANER
influence of intoxicating liquor or drugs.
{For vehicles rated as Private cars and Motorised two
(3) such compensation shall be payable only with
wheelers (not for hire or reward) with or without side
the approval of the insured named in the Policy
car}
and directly to the injured person or his/her legal
In consideration of the payment of an additional representative(s) whose receipt shall be a full
premium it is hereby understood and agreed that the discharge in respect of the injury of such person.
insurer undertakes to pay compensation on the scale
(4) not more than ...... ** (refer Policy Schedule)
provided below for bodily injuries hereinafter defined
persons/passengers are in the vehicle insured at
sustained by any passenger other than the insured
the time of occurrence of such injury.
and/or the paid driver attendant or cleaner and/or a
person in the employ of the insured coming within the - Subject otherwise to the terms exceptions
scope of the Workmen’s Compensation Act, 1923 and conditions and limitations of this Policy.
subsequent amendments of the said Act and engaged
in and upon the service of the insured at the time such * The Capital Sum Insured (CSI) per passenger is to
injury is sustained whilst mounting into, dismounting be inserted.
from or traveling in the insured motor car and caused
** The registered seating capacity of the vehicle
by violent, accidental, external and visible means which
insured is to be inserted.
independently of any other cause shall within three
calendar months of the occurrence of such injury result in; IMT17. PERSONAL ACCIDENT COVER TO PAID
DRIVERS, CLEANERS AND CONDUCTORS
Scale of
Details of Injury
Compensation (Applicable to all classes of vehicles)
i) Death 100%
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premium, it is hereby understood and agreed that *The Capital Sum Insured (CSI) per person is to be
the insurer undertakes to pay compensation on the inserted.
scale provided below for bodily injury as hereinafter
IMT 18. PERSONAL ACCIDENT TO UNNAMED HIRER
defined sustained by the paid driver/cleaner/conductor
AND UNNAMED PILLION PASSENGERS
in the employ of the insured in direct connection with
the vehicle insured whilst mounting into dismounting (Applicable to Motorised Two wheelers with or
from or travelling in the insured vehicle and caused by without side Car)
violent, accidental, external and visible means which
independently of any other cause shall within six In consideration of the payment of an additional
calendar months of the occurrence of such injury result in; premium it is hereby understood and agreed that
the insurer undertakes to pay compensation to any
Scale of unnamed hirer/driver/any unnamed pillion/sidecar
Details of Injury
Compensation passenger* on the scale provided below for the bodily
i) Death 100% injury caused by violent, accidental, external and visible
ii) Loss of two limbs or sight of means whilst mounting into/onto and/or dismounting
two eyes or one limb and sight of 100% from or travelling in/on the vehicle insured which
one eye independently of any other cause shall within three
iii) Loss of one limb or sight of calendar months of the occurrence of such injury result in:
50%
one eye
iv) Permanent Total Disablement Scale of
Details of Injury
from injuries other than named 100% Compensation
above i) Death 100%
Provided always that: ii) Loss of two limbs or sight of

two eyes or one limb and sight of 100%
(1) compensation shall be payable under only one of one eye
the items (i) to (iv) above in respect of any such iii) Loss of one limb or sight of
50%
person arising out of any one occurrence and total one eye
liability of the insurer shall not in the aggregate iv) Permanent Total Disablement
exceed the sum of Rs....................* (refer Policy from injuries other than named 100%
above
Schedule) during any one period of insurance in
respect of any such person. Provided always that:
(2) no compensation shall be payable in respect of (1) compensation shall be payable under only one of
death or injury directly or indirectly wholly or in the items (i) to (iv) above in respect of any such
part arising or resulting from or traceable to (a) person arising out of anyone occurrence and total
intentional self injury suicide or attempted suicide liability of the insurer shall not in the aggregate
physical defect of infirmity or (b) an accident exceed the sum of Rs ........** (refer Policy Schedule)
happening whilst such person is under the during any one period of insurance in respect of
influence of intoxicating liquor or drugs. any such person.
(3) such compensation shall be payable only with (2) no compensation shall be payable in respect of
the approval of the insured named in the Policy death or injury directly or indirectly wholly or in
and directly to the injured person or his/her legal part arising or resulting from or traceable to (a)
representative(s) whose receipt shall be a full intentional self injury suicide or attempted suicide
discharge in respect of the injury of such person. physical defect or infirmity or (b) an accident
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(3) such compensation shall be payable only with IMT20. REDUCTION IN THE LIMIT OF LIABILITY FOR
the approval of the insured named in the Policy PROPERTY DAMAGE
and directly to the injured person or his/her legal
It is hereby understood and agreed that notwithstanding
representative(s) whose receipt shall be a full
anything to the contrary contained in the Policy the
discharge in respect of the injury of such person.
insurers liability is limited to Rs. 6000/- (Rupees six
(4) not more than...... persons/passengers are in the thousand only) for damage to property other than the
vehicle insured at the time of occurrence of such property belonging to the insured or held in trust or in
injury. Subject otherwise to the terms exceptions custody or control of the insured.
conditions and limitations of this Policy.
In consideration of this reduction in the limit of liability
* Delete if P.A. cover for unnamed pillion/side car a reduction in premium of Rs. 50/- for Two Wheelers is
passenger is not taken. hereby made to the insured.
** The Capital Sum Insured (CSI) per passenger is to Subject otherwise to the terms conditions limitations
be inserted. and exceptions of the Policy.
IMT19. COVER FOR VEHICLES IMPORTED WITHOUT IMT22. COMPULSORY DEDUCTIBLE

CUSTOMS DUTY
(Applicable to Private Cars, three wheelers rated as
Notwithstanding anything to the contrary contained in private cars, all motorized two wheelers, taxis, private
this Policy it is hereby understood and agreed that in car type vehicle plying for public/private hire, private
the event of loss or damage to the vehicle insured and/ type taxi let out on private hire)
or its accessories necessitating the supply of a part not
Notwithstanding anything to the contrary contained in
obtainable from stocks held in the country in which the
the Policy it is hereby understood and agreed that the
vehicle insured is held for repair or in the event of the
insured shall bear under Section I of the Policy in respect
insurer exercising the option under Condition 3 to pay
of each and every event (including event giving rise to a
in cash the amount of the loss or damage the liability of
total loss/constructive total loss) the first Rs.........* (refer
the insurer in respect of any such part shall be limited to:
Policy Schedule) (or any less expenditure which may
(a) (i) the price quoted in the latest catalogue or the incurred) or any expenditure for which provision has
price list issued by the Manufacturer or his Agent been made under this Policy and/or of any expenditure
for the country in which the vehicle insured is held by the insurer in the exercise of his discretion under
for repair less depreciation applicable; Condition no. 3 for Private Cars/Two wheeler Policy.
OR If the expenditure incurred by the insurer shall include

any amount for which the insured is responsible
(ii) if no such catalogue or price list exists the price
hereunder such amount shall be repaid by the insured
list obtaining at the Manufacturer’s Works plus
to the insurer forthwith.
the reasonable cost of transport otherwise
than by air to the country in which the vehicle For the purpose of this Endorsement the expression
insured is held for repair and the amount of “event” shall mean an event or series of events arising
the relative import duty less depreciation out of one cause in connection with the vehicle insured
applicable under the Policy; in respect of which indemnify is provided under this
Policy.
and
Subject otherwise to the terms conditions limitations
(b) the reasonable cost of fitting such parts,
and exceptions of this Policy.
(i) to insert amount as appropriate to the class of
vehicle insured as per GR.40 of the tariff.
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UIN: IRDAN108RP0076V01201819
(ii) in respect of a vehicle rated under the Tariff for of Rs.......(refer Policy Schedule) notwithstanding
Private Car and in respect of a motorised two wheeler anything to the contrary contained in the Policy it is
not carrying passengers for hire or reward, if any hereby understood and agreed that the insurer will
deductible in addition to the compulsory deductible indemnify the insured against loss of or damage to such
provided in this endorsement is voluntarily borne electrical and/or electronic fitting(s) as specified in the
by the insured, the sum representing the aggregate schedule whilst it/these is/are fitted in or on the vehicle
of the compulsory and the voluntary deductibles is insured where such loss or damage is occasioned by
to be inserted. any of the perils mentioned in Section 1 of the Policy.
IMT 22A VOLUNTARY DEDUCTIBLE The insurer shall, however, not be liable for loss of
or damage to such fitting(s) caused by/as a result of
(For private cars/motorized two wheelers other than
mechanical or electrical breakdown.
for hire or reward)
Provided always that the liability of the insurer
It is by declared and agreed that the insured having
hereunder shall not exceed the Insured’s Declared
opted a voluntary deductible of Rs. (refer schedule)
Value (IDV) of the item.
a reduction in premium of Rs. under Section 1 of the
policy is hereby allowed. Subject otherwise to the terms conditions limitations
In consideration of the above, it is hereby understood
and agreed that the insured shall bear under Section IMT25. CNG/LPG KIT IN BI-FUEL SYSTEM
1 of the policy in respect of each and every event
(Own Damage cover for the kit)
(including event giving rise to a total loss/constructive
total loss) the first Rs......(refer policy schedule) or In consideration of the payment of premium of
(any less expenditure which may be incurred) of any Rs……………* notwithstanding anything to the contrary
expenditure for which provision has been made under contained in the policy it is hereby understood and
this policy and/or of any expenditure by the insurer in agreed that the insurer will indemnify the insured in
the exercise of his discretion under Condition no. 3 of terms conditions limitations and exceptions of Section
this policy. 1 of the policy against loss and/or damage to the
CNG/LPG kit fitted in the vehicle insured arising from
If the expenditure incurred by the insurer shall include
an accidental loss or damage to the vehicle insured,
any amount for which the insured is responsible
subject to the limit of the Insured’s Declared Value of
hereunder such amount shall be repaid by the insured
the CNG/LPG kit specified in the Schedule of the policy.
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 IMT26. FIRE AND/OR THEFT RISKS ONLY
in respect of which indemnity is provided under this
policy. (Not applicable for Miscellaneous and Special Types
of vehicles rateable under Class -D and Motor Trade
Subject otherwise to the terms conditions limitations Policies under Classes- E, F and G of the Commercial
and exceptions of this Policy. Vehicles Tariff )
IMT24. ELECTRICAL/ELECTRONIC FITTINGS Notwithstanding anything to the contrary contained
in the policy it is hereby understood and agreed that
(Items fitted in the vehicle but not included in the
Section II of the Policy is deemed to be cancelled and
manufacturer’s listed selling price of the vehicle -
under Section I thereof the insurer shall only be liable
Package Policy only)
to indemnify the insured against loss or damage by
In consideration of the payment of additional premium fire explosion self ignition lightning and/or burglary
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UIN: IRDAN108RP0076V01201819
housebreaking theft and riot strike malicious damage such occupation in connection with the vehicle insured
terrorism storm tempest flood inundation and herein and will in addition be responsible for all costs
earthquake perils whilst the vehicle is laid up in garage and expenses incurred with its written consent.
and not in use.
Provided always that:
(1) this Endorsement does not indemnify the insured
in respect of any liability in cases where the insured
NB.(i) In case of Fire Risk only, the words “burglary holds or subsequently effects with any insurer or
housebreaking theft” are to be deleted. group of insurers a Policy of Insurance in respect
of liability as herein “defined for insured’s general
NB.(ii) In case of Theft Risk only, the words “fire
employees;
explosion self ignition lightning riot strike malicious
damage terrorism storm tempest flood inundation and (2) the insured shall take reasonable precautions
earthquake perils” are to be deleted. to prevent accidents and shall comply with all
statutory obligations;
IMT27. LIABILITY AND FIRE AND/OR THEFT
(3) in the event of the Policy being cancelled at the
Notwithstanding anything to the contrary contained in
request of the insured no refund of the premium
the Policy it is hereby understood and agreed the Section
paid in respect of this Endorsement will be allowed.
I of the Policy the insurer shall not be liable there under
except in respect of loss or damage by fire explosion Subject otherwise to the terms conditions limitations
self ignition lightning and/or burglary housebreaking and exceptions of the Policy except so far as necessary
theft and riot strike malicious damage terrorism storm to meet the requirements of the Motor Vehicles Act,
tempest flood inundation and earthquake perils. 1988.
Subject otherwise to the terms conditions limitations IMT29. LEGAL LIABILITY TO EMPLOYEES OF THE
and exceptions of the Policy. INSURED OTHER THAN PAID DRIVER AND/OR
CONDUCTOR AND/OR CLEANER WHO MAY BE
NB. (i) In case of Liability and Fire Risks only, the words
TRAVELLING OR DRIVING IN THE EMPLOYER’S CAR.
“burglary housebreaking theft” are to be deleted.
{Private Car’s only/ motorised two wheelers (not for
NB.(ii) In case of Liability and Theft Risks only, the words
hire or reward)}
“fire explosion self ignition lightning riot strike malicious
damage terrorism storm tempest flood inundation and In consideration of the payment of an additional
earthquake perils” are to be deleted. premium @ Rs. 50/- per employee insured
notwithstanding anything to the contrary contained in
IMT28. LEGAL LIABILITY TO PAID DRIVER AND/
the policy it is hereby understood and agreed that the
OR CONDUCTOR AND/OR CLEANER EMPLOYED IN
insurer will indemnify the insured against the insured’s
CONNECTION WITH THE OPERAION OF INSURED
liability at Common Law and Statutory Liability under
VEHICLE
the Fatal Accidents Act, 1855 for compensation
In consideration of an additional premium of Rs. 50/- (including legal costs of any claimant) for death of or
notwithstanding anything to the contrary contained in bodily injury to any employee (other than paid drivers)
the Policy it is hereby understood and agreed that the of the within named insured being carried in or upon or
insurer shall indemnify the insured against the insured’s entering in or getting on to or alighting from or driving
legal liability under the Workmen’s Compensation Act, the vehicle insured.
1923, the Fatal Accidents Act, 1855 or at Common Law
Provided that in the event of an accident whilst the
and subsequent amendments of these Acts prior to
vehicle insured is carrying more than ___* employees
the date of this Endorsement in respect of personal
of the insured (including the driver) the insured shall
injury to any paid driver and/or conductor and/or
repay to the insurer a rateable proportion of the total
cleaner whilst engaged in the service of the insured in
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UIN: IRDAN108RP0076V01201819
amount payable by the insurer by the reason of this You receive under section 1(own damage) of the policy
endorsement in respect of accident in connection with and the purchase price of the two wheeler as confirmed
such vehicle insured. in the invoice of sale OR current replacement price of
new two wheeler in case exactly same make/model is
Subject otherwise to the terms, conditions limitations
available, whichever is less, in the event of Your two
wheeler being a Total Loss/ Constructive total loss (CTL)
*To insert the number of employees for which the following an accident or stolen during the period of
premium has been paid. insurance and not recovered. We will also reimburse
the first time registration charges and road tax which
IMT33. Loss of Accessories you had incurred on the insured two wheeler.
(Applicable to Motorised Two Wheeler Policies only) Special conditions applicable to this benefit:
In consideration of the payment of an additional • You are the first registered owner of the two
premium of Rs.............(refer Policy Schedule) it is hereby wheeler
understood and agreed that as from....../....../......
notwithstanding anything to the contrary contained in • The finance company/bank whose interest is
Section I but subject otherwise to the terms exceptions endorsed on the policy must agree in writing for
conditions and limitations of this Policy the insurer settlement of claim under this coverage.
will indemnify the insured in respect of loss of or
What is not covered:
damage to accessories the property of the insured,
specifically declared by the insured caused by burglary, We will not pay the financial shortfall if:
housebreaking or theft.
• the Total Loss/CTL and theft claim is not valid and
Subject otherwise to the terms conditions limitations admissible under section 1 of the policy.
• final investigation report in case of theft claim is
Auto Secure Two Wheeler Package Policy – Add on not submitted to us.
Covers
• covered two wheeler is imported.
TA16. Depreciation Allowance:
TA18 Consumable Expenses Add-on cover under
(IRDAN108RP0001V01200001/A0061V01201819) Auto Secure - Two Wheeler Package Policy
This cover is applicable if it shown on your schedule. (IRDAN108RP0001V01200001/A0063V01201819)
We will pay you the amount of depreciation deducted What is covered:

on the value of parts replaced under own damage claim,
We will cover cost of consumables required to be
lodged under section 1 (own damage) of the policy.
replaced/replenished arising from an accident to the
We will pay for the first <> claims during the period of
insured vehicle.
insurance.
Consumable for the purpose of this cover shall include
Deductible: First Rs…. for each and every claim.
engine oil, gear box oil, lubricants, nut & bolt, screw,
TA17. Return to Invoice distilled water, grease, oil filter, bearings, washers, clip,
break oil and items of similar nature excluding fuel.
(IRDAN108RP0001V01200001/A0060V01201819)
This cover is applicable if it shown on your schedule
1. Any consumable not associated with admissible
What is covered:
Own Damage claim under section I (Own Damage)
We will pay the financial shortfall between the amount of the policy.
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UIN: IRDAN108RP0076V01201819
2. If there is no valid and admissible claim under to intentional self injury, suicide or attempted
section I (Own Damage) of the policy. suicide physical defect or infirmity.
3. If vehicle is not repaired at Authorized garage. • Any expense arising or resulting from or traceable
to an accident happening whilst You are under the
Subject otherwise to the terms exceptions condition &
limitations of the policy
TA19 Emergency Medical Expenses-Add-on cover
limitations of the policy
under Auto Secure - Two Wheeler Package Policy
TA20 Additional Third Party Property Damage Cover-
(IRDAN108RP0001V01200001/A0064V01201819)
Add-on cover under Auto Secure - Two Wheeler
This cover is applicable if it is shown on Your schedule. Package Policy
What is Covered: (IRDAN108RP0001V01200001/A0062V01201819)
We will pay emergency medical expenses incurred by This cover is applicable if it is shown on Your schedule.
You for treatment of bodily injury/ies sustained by You
• We will pay for damage to property other than the
or any occupant of the vehicle in direct connection with
property belonging to You or held in Your trust,
vehicle insured or whilst mounting and dismounting
custody and control up to the limit specified in the
from or driving or travelling in the insured vehicle and
policy schedule provided that damage to property
caused by violent, accidental external and visible means
is solely and directly caused by accident by the
and required treatment is taken in a Hospital / Nursing
insured vehicle.
Home. Reasonable Ambulance Charges incurred by You
for hiring an Ambulance for shifting You or occupant • The above limit is in respect of any one claim or
from the site of accident to the Hospital / Nursing Home series of claims arising out of one event/occurrence
is also covered. in excess of maximum limit of liability covered
under Section II of the policy.
What is not Covered:
• Subject otherwise to the terms exceptions condition
• Any expenses related to a sickness, disease or
& limitations of the policy.
medical disorder not directly consequential to
accident. TA21 Additional Personal Accident Cover to Owner
Driver-Add-on cover Auto Secure - Two Wheeler
• Any expenses towards psychosomatic disorders
Package Policy (IRDAN108RP0001V01200001/
of any kind, whether caused or accentuated by
A0065V01201819)
accident or otherwise.
This cover is applicable if it is shown on Your schedule.
• Any physiotherapy treatment.
What is covered:
• Any expense not supported by an original and
valid bill / receipt and related prescription of the We will pay compensation on the scale provided below
attending Medical Practitioner / Hospital / Nursing for bodily injury as hereinafter defined sustained by
Home. You in direct connection with vehicle insured or whilst
mounting and dismounting from or driving or travelling
• Expenses, if the treatment is started after 5 days
in the insured vehicle and caused by violent, accidental
from the date of Accident
external and visible means which independently of any
• Not more than sum-insured as mentioned in the other cause shall within six calendar months of the
schedule during any one year of policy. occurrence of such injury result in:-
• Any expense arising or resulting from or traceable
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Scale of such time. The Company may accept claims where

Details of Injury documents have been provided after a delayed
Compensation
i) Death 100% interval only in special circumstances and for the
reasons beyond the control of the insured.
two eyes or one limb and sight of 100% Documentation:
one eye
iii) Loss of one limb or sight of • Duly Completed and signed Claim Form
50%
one eye
• Attested copy of Death Certificate in case of death.
• Medical report from attending specialist doctor
above
including Death Summary in case of hospitalization.
We shall pay under only one of the items (i) to (iv) above
• Attested copy of disability certificate from the
in respect of any such person arising out of any one
specialist treating doctor stating percentage of
occurrence in addition to maximum limit of liability
disability.
covered under Section II of the policy and total liability
of the insurer shall not in the aggregate exceed the • Attested copy of FIR / Panchanama / Inquest
amount stated in the schedule during any one Period Panchanama.
of insurance in respect of any such person.
• Complete medical records/reports including
• Such compensation shall be payable directly to You investigation /Lab reports ( X-Ray ,MRI etc) in case
or Your legal representatives whose receipt shall of disability claim.
be the full discharge in respect of the injury to You.
• Attested copy of Post Mortem Report (only if
• not more than persons/passengers specified in the conducted).
registration certificate were in the vehicle at the
time of occurrence of such injury. • Any other document(s) as requested by Claims
Department which is/are relevant to the coverage
• Subject to You being the registered owner of the under the policy.
vehicle insured and holding an effective driving
license, in accordance with the provisions of Rule • If claim amount> 1 Lakh, KYC Documents such as
3 of the Central Motor Vehicles Rules, 1989, at the Pan Card Copy, Address Proof, one Passport color
time of the accident in case You were driving the photo of claimant.
insured vehicle • We, at Our own expense, shall have the right and
• Written notice of claim must be given by You to Us opportunity of Your medical examination through
within 7 days after an actual or potential loss begins Our appointed agents whose details will be notified
or as soon as reasonably possible and in any event to You when and as often as We may reasonably
not later than 30 days after actual or potential loss require during the pendency of a claim hereunder,
begins. and also the right and opportunity to arrange for a
post mortem examination report, if conducted, on
• You or someone claiming on Your behalf shall Your body as permitted by law. Your or Your estate’s
provide Us with all documentation, medical records compliance with the need for such examination is
and information that We may request to establish a condition precedent to establishing liability under
the circumstances of the claim, its quantum or Our the Policy.
liability for the claim within 15 days of notice of
claim to us. Failure to furnish such evidence within What is not covered:
the time required shall not invalidate nor reduce • We shall not pay any compensation in respect of
any claim if You can satisfy us that it was not death or injury directly or indirectly wholly or in part
reasonably possible for You to give proof within arising or resulting from traceable to a) intentional
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self injury suicide or attempted suicide physical • not more than persons/passengers specified in the
defect or infirmity or b) an accident happening registration certificate were in the vehicle at the
whilst such person is under the influence of time of occurrence of such injury.
intoxicating liquor or drugs.
• Subject to such person holding an effective driving
Subject otherwise to the terms exceptions condition & license, in accordance with the provisions of Rule
limitations of the policy 3 of the Central Motor Vehicles Rules, 1989, at
the time of the accident in case such person was
TA22 Additional Personal Accident Cover to
driving the insured vehicle.
Unnammed Persons-Add-on cover Auto Secure -
Two Wheeler Package (IRDAN108RP0001V01200001/ • Written notice of claim must be given by You to Us
A0066V01201819) within 7 days after an actual or potential loss begins
or as soon as reasonably possible and in any event
This cover is applicable if it is shown on Your schedule.
not later than 30 days after actual or potential loss
What is covered: begins.
We will pay compensation on the scale provided below • You or someone claiming on Your behalf shall
for bodily injury as hereinafter defined sustained provide Us with all documentation, medical records
by unnamed hirer/driver/pillion/side car passenger and information that We may request to establish
in direct connection with vehicle insured or whilst the circumstances of the claim, its quantum or Our
mounting and dismounting from or driving or travelling liability for the claim within 15 days of notice of
in the insured vehicle and caused by violent, accidental claim to us. Failure to furnish such evidence within
external and visible means which independently of any the time required shall not invalidate nor reduce
other cause shall within three calendar months of the any claim if You can satisfy us that it was not
occurrence of such injury result in:- reasonably possible for You to give proof within
such time. The Company may accept claims where
Scale of documents have been provided after a delayed
Details of Injury
Compensation interval only in special circumstances and for the
i) Death 100% reasons beyond the control of the insured.
two eyes or one limb and sight of 100% Documentation:
one eye
• Duly Completed and signed Claim Form
50%
one eye • Attested copy of Death Certificate in case of death.
from injuries other than named 100% • Medical report from attending specialist doctor
above including Death Summary in case of hospitalization.
We shall pay under only one of the items (i) to (iv) above • Attested copy of disability certificate from the
in respect of any such person arising out of any one specialist treating doctor stating percentage of
occurrence in addition to maximum limit of liability disability.
covered under Section II of the policy and total liability
• Attested copy of FIR / Panchanama / Inquest
of the insurer shall not in the aggregate exceed the
Panchanama.
amount stated in the schedule during any one Period
of insurance in respect of any such person. • Complete medical records/reports including
investigation /Lab reports ( X-Ray ,MRI etc) in case
• Such compensation shall be payable only with Your
of disability claim.
approval and directly to the injured person or his/
her legal representative(s) whose receipt shall be • Attested copy of Post Mortem Report (only if
a full discharge in respect of the injury of such conducted).
person.
20
UIN: IRDAN108RP0076V01201819
• Any other document(s) as requested by Claims its repair cost shall be borne by you.
Department which is/are relevant to the coverage
Flat Battery - Jump Start Service
under the policy.
In the event insured Vehicle is immobilized, due to
• If claim amount> 1 Lakh, KYC Documents such as
rundown battery, you will get the assistance of a Vehicle
Pan Card Copy, Address Proof, one Passport color
technician to jump start the Vehicle with appropriate
photo of claimant..
means. If the run down battery has to be replaced with
• We, at Our own expense, shall have the right and a new battery, the cost of such battery replacement and
opportunity of Your medical examination through any costs to obtain the battery will be borne by you. All
Our appointed agents whose details will be notified costs involved in charging of the run down battery will
to You when and as often as We may reasonably also be borne by you.
require during the pendency of a claim hereunder,
Repair on the spot
and also the right and opportunity to arrange for a
post mortem examination report, if conducted, on In the event insured Vehicle breaks down due to a
Your body as permitted by law. Your or Your estate’s minor mechanical / electrical fault making it immobile
compliance with the need for such examination is and immediate repair on the spot is deemed possible,
a condition precedent to establishing liability under you will get the assistance of a vehicle technician for
the Policy. repairing the breakdown at the location of breakdown.
Cost of Material & Spare Parts, if required, to repair the
vehicle on the spot and any other incidental conveyance
• We shall not pay any compensation in respect of to obtain such material & spare parts will be borne by you.
death or injury directly or indirectly wholly or in part
Locked /Lost keys
arising or resulting from traceable to a) intentional
self injury suicide or attempted suicide physical If the keys of the insured vehicle are broken, lost
defect or infirmity or b) an accident happening or misplaced, and in case you need and request to
whilst such person is under the influence of arrange for another set from your place of residence
intoxicating liquor or drugs. the same will be arranged after receiving the requisite
authorizations from you with regards to the person
designated to hand over the same to you provided
limitations of the policy.
the distance between the two locations are less than
TA 23- Auto Secure- Two Wheeler Package Policy- 50 kms. You may be requested to submit an identity
Add On Cover- Road Side Assistance proof at the time of delivery of the keys. However if the
distance between the two locations ( residence & place
(UIN IRDAN108RP0001V01200001/A0086V01201819)
where the keys are required) are more than 50 kms the
This cover is applicable if it shown on your schedule keys will be sent by courier. Alternatively In case the
keys are lost the vehicle shall be towed to a nearest
Repair and Towing Assistance safe place.
Service for Flat Tyre Fuel Support (Emergency Fuel Delivery)
In the event insured Vehicle is immobilized due to a flat In the event insured Vehicle runs out of fuel and hence
tyre, you will get the assistance of a vehicle technician is immobilized, you will get the assistance of emergency
to replace the flat tyre with the spare stepney tyre of fuel (up to 5 ltrs on a chargeable basis) at the location
the Vehicle at the location of breakdown. In case the of breakdown.
spare tyre is not available in the insured Vehicle, the
flat tyre will be taken to the nearest flat tyre repair shop Emergency Towing Assistance
for repairs & reattached to the Vehicle. All incidental
In case of Breakdown:
charges for transporting the tyre to the repair shop and
21
UIN: IRDAN108RP0076V01201819
In the event insured Vehicle suffers an immobilizing assistance provider and itself will be arranged . you will
break down due to a mechanical or electrical fault be kept updated on the progress of intervention.
which cannot be repaired on the spot, you will get the
Concierge Services:
assistance in towing the vehicle to the nearest garage,
using the best available towing mechanism, within a SMS Relays/Emergency Message Service
radius of 100 Kms. from the location of the breakdown.
In case the towing distance exceeds the mentioned In the event of breakdown or accident to your insured
limit, you will be informed of the expected additional vehicle under our policy your urgent messages will be
costs, which will need to be paid by you to the vendor relayed to a person of your choice.
at vendor’s actual rates.
Continuation / Return Journey (Taxi Support)
In case of an Accident:
In the event the insured vehicle is immobilized due
In the event insured Vehicle suffers an immobilizing to a breakdown, outside the municipal/corporation
break down due to an accident, you will get the limits of your home city, and the vehicle cannot be
assistance in towing the vehicle to the nearest garage, repaired the same day, you will get the assistance for
using the appropriate towing mechanism within a arrangement of alternate mode of transport (Taxi) to
radius of 100 Kms. from the location of the breakdown. continue the journey or return to your home town from
In case the towing distance exceeds the mentioned the location of the breakdown. In the normal course “C”
limit, you will be informed of the expected additional Class vehicles (as per widely used categorization of the
costs, which will need to be paid by you at the vendor’s automobile industry) will be arranged on a best effort
actual rates. basis.
Towing in case of incorrect fuelling: However, in case the same is not available owing to
geographical or other constraints, you will be provided
In the event insured vehicle being immobilized due to the next best class of vehicle available. Taxi fare for the
incorrect fuelling you will get assistance in making the journey will be borne by you and shall be paid directly
arrangement for the vehicle to be towed to the nearest to the vendor and we will pay the amount if opted and
garage using the appropriate towing mechanism shown in the policy schedule.
within a radius of 100 Kms. from the location of the
breakdown. In case the towing distance exceeds the Hotel Accommodation:
mentioned limit, you will be informed of the expected
In the event insured vehicle is immobilized due to
additional costs, which will need to be paid by you at
a breakdown which has taken place and cannot be
the vendor’s actual rates..
repaired the same day, you will get the assistance in
Breakdown support over phone: organizing for Hotel accommodation near the location
of the event. You will have to bear the cost of stay
In the event insured vehicle is immobilized due to a and you will be informed of the amount to be paid
breakdown you will be assisted over phone and try to in advance directly to the Hotel and we will pay the
resolve the problem then & there. amount if opted and shown in the policy schedule.
Facilitate finding closet dealer: Ambulance Arrangement:
In case of specific request received from the insured In the event the insured vehicle is immobilized due to a
about providing the contact details of the nearest breakdown, outside the Municipal / corporation limits
dealer the same will be provided to the insured. of your home city, and the vehicle cannot be repaired
the same day you will get assistance and arrangement
Customer conference calling:
for an ambulance, if required. You will have to bear the
For seamless & speedy services a conference call cost related to this service and will be paid directly to
(wherever required) between the insured , the vendor.
22
UIN: IRDAN108RP0076V01201819
Medical Referral: agencies, judicial or quasi judicial authorities.
In case of specific request received from the insured 4) loss of or damage to luggage or other personal
about providing the contact details of the name, effects that might occur during the services
address, telephone number of physician, hospitals performance.
,clinic, dentist and dental clinics the same shall be
5) Vehicles should not be used for the purpose of
provided . However, the quality of medical services of
racing, rallying, motor sports, or in any instance
the referred service providers can not be guaranteed.
where the Vehicle is not being used /driven in
Important Note: You will not be required to pay for accordance with applicable laws and regulations.
labour cost and roundtrip conveyance costs of the
6) Not covered events: Any service not covered here,
service provider except cost of material/spare parts
if provided shall be at your own expense..
and conveyance/transportation cost to obtain them,
if required, to repair the Vehicle and any other cost 7) Load carried in the vehicle such as boats, motor
specifically mentioned in the above services. vehicles, gliders, or animals (horses, cattle...),
merchandise, perishable goods, research and
We will make our best effort to provide you various
scientific equipment, building equipment, furniture,
services within 3 hours of reporting. However, if your
etc. shall not be transported.
insured vehicle is immobilized due to breakdown, and
is eligible for services, but as a rare chance, you do not 8) You can avail of these services for maximum of 4
get the eligible assistance as mentioned above, you will times during the course of the policy period.
be reimbursed the costs incurred for towing the insured
Vehicle to the nearest garage not exceeding 2000/per Procedure of receiving services:
event for towing or 250/per event for other services. To
When requesting Services, you will comply with the
qualify for reimbursement, you must have called the
following terms and conditions:
toll free number and obtained an authorization, prior
to availing external service and must provide necessary Call, without delay, the toll free number / Telephone
documents justifying the event and the actual costs borne. Number provided here Comply with the solutions
recommended Take all reasonable measures to limit
Geographical territory:
and prevent possible consequences of the Breakdown
These services are available on National highways, Provide the your / user beneficiary Information.
state highways and motorable roads within
In order to entitle the relevant Users to the Services,
mainland India.
the insured Vehicle must be immobilised within the
LIMITATIONS: Covered geographical territory. A vehicle is considered
as immobilised as long as it cannot be driven as a result
1) The Services will be provided on a best effort basis, of a breakdown or an accident. However, the state of
subject to regulations in force locally. being out of use for maintenance or repair purposes is
not considered as immobilisation.
2) The services would not be provided under following
conditions: Grievance Lodgment Stage
3) Acts of God (including exceptional adverse The Company is committed to extend the best possible
weather conditions), earthquake, fire (not caused services to its customers. However, if you are not
by the negligence of either party), war (declared satisfied with our services and wish to lodge a complaint,
or undeclared), invasion, rebellion, revolt, riot please feel free to contact us through below channels:
(other than among employees of either party), civil
commotion, civil war, acts of terrorism, nuclear Call us 24x7 toll free helpline 1800 266 7780
fission, strike, act(s) of omission/commission by
Email us at customersupport@tataaig.com
any concerned, Government(s), or government
23
UIN: IRDAN108RP0076V01201819
Write to us at: Customer Support, Tata AIG General Escalation Level 1

Insurance Company Limited
For lack of a response or if the resolution still does not
A-501 Building No. 4 IT Infinity Park, Dindoshi, Malad meet your expectations, you can write to manager.
(E), Mumbai - 400097 customersupport@tataaig.com. After investigating the
matter internally and subsequent closure, we will send
Visit the Servicing Branch mentioned in the policy
our response within a period of 8 days from the date of
document
receipt of your complaint.
Nodal Officer
Escalation Level 2
Please visit our website at www.tataaig.com to know the
For lack of a response or if the resolution still does not
contact details of the Nodal Officer for your servicing
meet your expectations, you can write to the Head-
branch.
Customer Services at head.customerservices@tataaig.
After investigating the grievance internally and com. After examining the matter, we will send you our
subsequent closure, we will send our response within response within a period of 7 days from the date of
a period of 10 days from the date of receipt of the receipt of your complaint. Within 30 days of lodging
complaint by the Company or its office in Mumbai. In a complaint with us, if you do not get a satisfactory
case the resolution is likely to take longer time, we will response from us and you wish to pursue other
inform you of the same through an interim reply. avenues for redressal of grievances, you may approach
Insurance Ombudsman appointed by IRDA of India
under the Insurance Ombudsman Scheme. Given
below are details of the Insurance Ombudsman located
at various centers.
INSURANCE OMBUDSMAN CENTRES
SN Centre Address & Contact

Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor,
Tilak Marg, Relief Road, Ahmedabad – 380 001.
1 Ahmedabad
Tel.: 079 - 25501201/02/05/06
Email: bimalokpal.ahmedabad@cioins.co.in
Office of the Insurance Ombudsman, Jeevan Soudha Building,
PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road,
2 Bengaluru JP Nagar, Ist Phase, Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: bimalokpal.bengaluru@cioins.co.in
Office of the Insurance Ombudsman, Janak Vihar Complex,
2nd Floor, 6, Malviya Nagar, Opp. Airtel Office,
3 Bhopal Near New Market, Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202
Email: bimalokpal.bhopal@cioins.co.in
Office of the Insurance Ombudsman, 62, Forest park,
Bhubaneswar – 751 009.
4 Bhubaneswar
Tel.: 0674 - 2596461 /2596455
Email: bimalokpal.bhubaneswar@cioins.co.in
Office of the Insurance Ombudsman, S.C.O. No. 101,
102 & 103, 2nd Floor, Batra Building, Sector 17 – D,
5 Chandigarh Chandigarh – 160 017.
Tel.: 0172 - 2706196 / 2706468
Email: bimalokpal.chandigarh@cioins.co.in
24
UIN: IRDAN108RP0076V01201819

Office of the Insurance Ombudsman, Fatima Akhtar Court,
4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018.
6 Chennai
Tel.: 044 - 24333668 / 24335284
Email: bimalokpal.chennai@cioins.co.in
Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building,
Asaf Ali Road, New Delhi – 110 002.
7 New Delhi
Tel.: 011 - 23232481/23213504
Email: bimalokpal.delhi@cioins.co.in
Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor,
Nr. Panbazar over bridge, S.S. Road, Guwahati – 781001(ASSAM).
8 Guwahati
Tel.: 0361 - 2632204 / 2602205
Email: bimalokpal.guwahati@cioins.co.in
Office of the Insurance Ombudsman, 6-2-46, 1st floor, “Moin Court”,
Lane Opp. Saleem Function Palace, A. C. Guards,
9 Hyderabad Lakdi-Ka-Pool, Hyderabad - 500 004.
Tel.: 040 - 23312122
Email: bimalokpal.hyderabad@cioins.co.in
Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg.,
Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005.
10 Jaipur
Tel.: 0141 - 2740363
Email: bimalokpal.jaipur@cioins.co.in
Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg.,
Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015.
11 Ernakulam
Tel.: 0484 - 2358759 / 2359338
Email: bimalokpal.ernakulam@cioins.co.in
Office of the Insurance Ombudsman, Hindustan Bldg. Annexe,
7th Floor, 4, C.R. Avenue, KOLKATA - 700 072.
12 Kolkata
Tel.: 033 - 22124339 / 22124340
Email: bimalokpal.kolkata@cioins.co.in
Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II,
Nawal Kishore Road, Hazratganj, Lucknow - 226 001.
13 Lucknow
Tel.: 0522 - 2231330 / 2231331
Email: bimalokpal.lucknow@cioins.co.in
Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz (W), Mumbai - 400 054.
14 Mumbai
Tel.: 69038821/23/24/25/26/ 27/28/28/29/30/31
Email: bimalokpal.mumbai@cioins.co.in
Office of the Insurance Ombudsman, Bhagwan Sahai Palace
4th Floor, Main Road, Naya Bans, Sector 15,
15 Noida Distt: Gautam Buddh Nagar, U.P-201301.
Tel.: 0120-2514252 / 2514253
Email: bimalokpal.noida@cioins.co.in
Office of the Insurance Ombudsman, 2nd Floor, North wing,
Lalit Bhawan, Bailey Road, Patna 800 001.
16 Patna
Tel.: 0612-2547068
Email: bimalokpal.patna@cioins.co.in
25
UIN: IRDAN108RP0076V01201819

Office of the Insurance Ombudsman, Jeevan Darshan Bldg.,
3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road,
17 Pune Narayan Peth, Pune – 411 030.
Tel.: 020-41312555
Email: bimalokpal.pune@cioins.co.in
Grievance Redressal Procedure:
As per Regulation 17 of IRDA of India (Protection of Policy holders Interests) Regulation. 2017.
26

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Auto Secure Two Wheeler Package Policy

AUTO SECURE TWO WHEELER PACKAGE POLICY

Tata AIG General Insurance Co. Ltd.

or damage and to maintain it in efficient vehicle is transferred, the Policy cannot be

Arbitration, the same shall be referred to a panel • Email - general.claims@tataaig.com

It is clearly agreed and understood that no

Provided always that: ii) Loss of two limbs or sight of

IMT19. COVER FOR VEHICLES IMPORTED WITHOUT IMT22. COMPULSORY DEDUCTIBLE

OR If the expenditure incurred by the insurer shall include

This cover is applicable if it shown on your schedule. (IRDAN108RP0001V01200001/A0063V01201819)

We will pay you the amount of depreciation deducted What is covered:

What is Covered: (IRDAN108RP0001V01200001/A0062V01201819)

• Any expense arising or resulting from or traceable

Scale of such time. The Company may accept claims where

Service for Flat Tyre Fuel Support (Emergency Fuel Delivery)

Medical Referral: agencies, judicial or quasi judicial authorities.

Write to us at: Customer Support, Tata AIG General Escalation Level 1

INSURANCE OMBUDSMAN CENTRES

SN Centre Address & Contact

SN Centre Address & Contact

SN Centre Address & Contact

Grievance Redressal Procedure:

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