UNITED INDIA INSURANCE COMPANY LIMITEDUNITED INDIA INSURANCE

COMPANY LIMITED
UNITED INDIA INSURANCE CO.LTD., DIVISIONAL OFFICE, RAILWAY ROAD, SANGRUR (PB.)
PUNJAB 148001
SANGRUR - 148001 PUNJAB
PH PH: (01672) 232097,(01672) 233169 FAX FAX: EMAIL EMAIL:

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POLICY NO POLICY NO.:2019003123P104475847
VEHICLE NO VEHICLE NO.:PB - 10 - FQ - 0086

PERIOD OF INSURANCE PERIOD OF INSURANCE

Insured Insured
MR HARJIT SINGH.
S/O SH BALJINDER SINGH R/O DASAUINDHA SINGHWALA MITHEWAL DISTT SANGRUR
148001
SANGRUR
PUNJAB
CONTACT NUMBER: 9115389000 (M)
IMPORTANT NOTICE: KINDLY UPDATE YOUR AADHAAR NO. AND PAN/FORM 60. PLEASE IGNORE IF ALREADY UPDATED.

Agent Name : NITIN GARG

Agent Code : AGD0119255
9888570500
Mobile/Landline Number/Email :
nitingarg7100@gmail.com

The genuineness of the policy can be verified

through "Verify Your Policy" link at
www.uiic.co.in.

For any Information, Service Requests, Claim intimation and Grievances please write to 201900@uiic.co.in

Download Customer App(www.uiic.co.in). REGD. & HEAD OFFICE, 24, WHITES ROAD, CHENNAI - 600014.
Website: http://www.uiic.co.in
Printed By : NITGAR00 @ 25/07/2023 4:45:51 PM

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SCHEDULE SCHEDULE
Policy No Policy No. 2019003123P104475847 Previous Policy No Previous Policy No. 2019003122P103591166
Insured C I D Customer Id 23051794541
DetailsInsured Name Name MR HARJIT SINGH.
Details TelR Tel
TeloTel (O): Fax Fax:
(R)
Email Email:
Mobile Mobile: 9115389000
NITINBIMA@GMAIL.COM
B O C C Business / Occupation Others
Period of Insurance From 00:00 Hrs of 26/07/2023 To Midnight of 25/07/2024
Co-Insurance Co-
Type
Insurance

Particulars of Vehicle Insured Particulars of Vehicle Insured

Registration No
Seating
Registration No. Obsolete Cubic
Make Type of Year of including
Trailer Vehicle Engine No Capacity
Chassis No Chassis No. M a k e /Model Body Type Mfg Year Seating
Trailer Obsolete Engine No. Cubic
Vehicle Vehicle Model of Body of Mfg including
(if any if Vehicle Capacity/KW
driver
any)
TOYOTA /
INNOVA
PB - 10 - FQ - 2GDA108431 MBJAB3EM9025137080617
No CRYSTA(2016 MPV 2017 2393 7
0086
- ) 2.4 VX 7
STR
Insured's Declared Value Insured's Declared Value
For Vehicle For For Trailer For Non Electrical Accessories Non Electrical/Electronic Accessories CNG Unit CNG LPG Unit Total Value
Vehicle Trailer Electrical Accessories Electrical/Electronic Accessories Unit LPG Unit Total Value

1100000 0 0 0 0 0 1100000
Registration Authority Registration Auto Association Membership No Geographical Area
Extension Extension
Authority Auto Association Membership No. Geographical Area
Sangrur INDIA
AMOUNT IN WORDS Amount in words: Twenty-two thousand five hundred ninety rupees only
Persons or classes of persons entitled to drive Persons or classes of persons entitled to drive
Persons or classes of persons entitled to drive WordingAny person including Insured provided that a person hold an effective driving
licence at the time of accident and is not disqualified from holding or obtaining such a licence. Provided also that the person holding an
effective Learner's Licence may also drive the vehicle and such a person satisfies the requirements of Rule 3 of Central Motor Vehicle
Rule, 1989.
Limitations as to use Limitations as to use Premium Premium: 19,144.00
Limitations as to use Wording The policy covers use only under a CGST(9%): 1,723.00
permit within the meaning of Motor Vehicles Act, 1988 or such a SGST(9%): 1,723.00
carriage falling under Subsection 3 of Section 66 of the Motor Stamp Duty Stamp Duty: 1.00
Vehicles Act, 1988. Total (Rounded Off)Total (Rounded Off): 22,590.00
The policy does not cover use for:
Hire or Reward a) Hire or Reward Receipt Number Receipt Number :
10120190023105263561
Carriage of Goods b) Carriage of Goods (other than samples or
Receipt Date Receipt Date: 25/07/2023
personal luggage)
Debit Note Number DebitNote Number:
Organized Racing c) Organized Racing
Pace Making d) Pace Making Document Date Document Date:
Speed Testing and Reliability Trails e) Speed Testing and Reliability
Trails
Use in connection with Motor Trade f) Use in connection with Motor
Trade
Limits of Liability Limits of Liability ABCode Agency/Broker Code: AGD0119255
Section III WordingUnder Section II-I (i) Death or bodily injury in NITIN GARG
respect of any one accident; As per Motor Vehicles Act 1988 Direct Business Direct Business:
Section II WordingUnder Section II-I (ii) Damage to third party Development Officer Code Development Officer
property in respect of any one claim or series of claims arising out C o d e :
of one event: 750000
This policy is subject to terms and conditions and IMT Endorsement Nos. printed herein / attached hereto 22,28
Imposed Excess Imposed
0
Excess
Voluntary Excess Voluntary
0
Excess
Compulsory Excess
2000
Compulsory Excess

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 SCHEDULE OF PREMIUM SCHEDULE OF PREMIUM (IN )
OWN DAMAGE OWN DAMAGE LIABILITY LIABILITY

Basic premium on Vehicle and Accessories B. Basic - TP 7,897.00

A. Basic - OD 7,722.00 Total 7,897.00

Total 7,722.00
Add :

LL to Paid Driver IMT 28 50.00

Add :

Nil Depreciation Without Excess 14,671.80

Sub Total (Additions) 50.00
Sub Total (Additions) 14,671.80

Gross TP(B) 7,947.00

Less :
Gross OD & TP:
No Claim Bonus 50% 11,196.90 19,144.00
(A) + (B)

Sub Total (Deductions) 11,196.90

Gross OD(A) 11,197.00

Warranty WordingWARRANTED THAT IN CASE OF DISHONOUR OF PREMIUM CHEQUE, THIS DOCUMENT STANDS AUTOMATICALLY
CANCELLED "AB-INITIO".
IMPORTANT NOTICE IMPORTANT NOTICE

IMPWordingTHE INSURED IS NOT INDEMNIFIED IF THE VEHICLE IS USED OR DRIVEN OTHERWISE THAN IN ACCORDANCE WITH THIS
SCHEDULE. ANY PAYMENT MADE BY THE COMPANY BY REASON OF WIDER TERMS APPEARING IN THE CERTIFICATE IN ORDER TO COMPLY
WITH THE MOTOR VEHICLES ACT, 1988 IS RECOVERABLE FROM THE INSURED. SEE THE CLAUSE HEADED "AVOIDANCE OF CERTAIN TERMS
AND RIGHT OF RECOVERY". FOR LEGAL INTERPRETATION, ENGLISH VERSION WILL HOLD GOOD.

Customer GST/UIN No.: Office GST No.: 03AAACU5552C1ZT

SAC Code: 997134 Invoice No. & Date: 3123I104475847 & 25/07/2023
Amount Subject to Reverse Charges-NIL

We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified under sub-rule (4) of rule 48, we are not
required to prepare an invoice in terms of the provisions of the said sub-rule.
Anti Money Laundering Clause:-In the event of a claim under the policy exceeding 1 lakh or a claim for refund of premium exceeding 1 lakh, the insured will comply with the provisions of AML policy of the company. The
AML policy is available in all our operating offices as well as Company's web site.

LET US JOIN THE FIGHT AGAINST CORRUPTION. PLEASE TAKE THE PLEDGE AT https://pledge.cvc.nic.in.

D O P Date of Proposal and Declaration: 25/07/2023

Witness1 IN WITNESS WHEREOF, this policy has been signed at DO SANGRUR 201900 on this 25th day of July 2023.

For and On behalf ofFor and On behalf of

United India Insurance Co. Ltd.

Affix Policy
Stamp here.

Duly Constituted Attorney:

Underwritten By - ASH37282 ( DO UNDERWRITER ) , Approved By -
YAD37166(RO UNDERWRITER NEW)

3 / 11
{lblNewproductName1}

Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this contract and is
deemed to be incorporated herein has applied to the Company for the insurance hereinafter contained and has paid the premium
mentioned in the schedule as consideration for such insurance in respect of accidental loss or damage occurring during the period of
insurance.

NOW THIS POLICY WITNESSETH:

That subject to the Terms Exceptions and Conditions contained herein or endorsed or expressed hereon;

SECTION - I. LOSS OF OR DAMAGE TO THE VEHICLE INSURED

1. The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst
thereon

i. by fire explosion self ignition or lightning;

ii. by burglary housebreaking or theft;
iii. by riot and strike;
iv. by earthquake (fire and shock damage);
v. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;
vi. by accidental external means;
vii. by malicious act;
viii. by terrorist activity;
ix. whilst in transit by road rail inland- waterway lift elevator or air;
x. by landslide rockslide;

Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced :
(1) For all rubber/ nylon/ plastic parts, tyres and tubes, batteries and air bags 50%
(2) For fibre glass components 30%
(3) For all parts made of glass Nil
(4) Rate of depreciation for all other parts including wooden parts will be as per the following schedule :

AGE OF VEHICLE % OF DEPRECIATION

Not exceeding 6 months Nil
Exceeding 6 months but not exceeding 1 year 5%
Exceeding 1 year but not exceeding 2 years 10%
Exceeding 2 years but not exceeding 3 years 15%
Exceeding 3 years but not exceeding 4 years. 25%
Exceeding 4 years but not exceeding 5 years 35%
Exceeding 5 year but not exceeding 10 years 40%
Exceeding 10 years 50%

(5)Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material
cost of total painting charges. In case of consolidated bill for painting charges, the material component shall be considered as 25% of
total painting charges for the purpose of applying the depreciation.

2. The Company shall not be liable to make any payment in respect of :-

(a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages.

(b) damage to tyres and tubes unless the vehicle insured is damaged at the same time in which case the liability of the company
shall be limited to 50% of the cost of replacement.

and

(c) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of
the insured is under the influence of intoxicating liquor or drugs.

3. In the event of the vehicle being disabled by reason of loss or damage covered under this Policy the Company will bear the
reasonable cost of protection and removal to the nearest repairer and redelivery to the insured but not exceeding in all Rs. 1500/- in
respect of any one accident.

4. The insured may authorise the repair of the vehicle necessitated by damage for which the Company may be liable under this Policy
provided that :
a) the estimated cost of such repair including replacements, if any, does not exceed Rs.500/-;
b) the Company is furnished forthwith with a detailed estimate of the cost of repairs; and
c) the insured shall give the Company every assistance to see that such repair is necessary and the charges are reasonable.

4 / 11
SUM INSURED - INSURED'S DECLARED VALUE (IDV)

T h e Insureds Declared Value (IDV) of the vehicle will be deemed to be the SUM INSURED for the purpose of this policy which is fixed at
the commencement of each policy period for the insured vehicle.

The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturers listed selling price of
the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule
below).

The schedule of age-wise depreciation as shown below is applicable for the purpose of Total Loss/Constructive Total Loss (TL/CTL) claims
only.

THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE

AGE OF VEHICLE % OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%

IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles ( i.e. models which the manufacturers have discontinued to
manufacture) is to be determined on the basis of an understanding between the insurer and the insured.

IDV shall be treated as the Market Value throughout the policy period without any further depreciation for the purpose of Total Loss (TL)
/Constructive Total Loss (CTL) claims.

The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and
conditions of the policy, exceeds 75% of the IDV of the vehicle.

SECTION - II: LIABILITY TO THIRD PARTIES

1. Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an
accident caused by or arising out of the use of the insured vehicle against all sums which the insured shall become legally liable to pay in
respect of :-
(i) death of or bodily injury to any person including occupants carried in the vehicle ( provided such occupants are not carried for
hire or reward) but except so far as it is necessary to meet the requirements of Motor Vehicles Act, the Company shall not be liable where
such death or injury arises out of and in the course of the employment of such person by the insured,
(ii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.
2. The Company will pay all costs and expenses incurred with its written consent.
3. In terms of and subject to the limitations of the indemnity granted by this section to the insured, the Company will indemnify any
driver who is driving the vehicle on the insured''s order or with insured''s permission provided that such driver shall as though he/she was
the insured observe fulfill and be subject to the terms exceptions and conditions of this Policy in so far as they apply.
4. In the event of the death of any person entitled to indemnity under this policy the Company will in respect of the liability incurred by
such person indemnify his/her personal representative in terms of and subject to the limitations of this Policy provided that such personal
representative shall as though such representative was the insured observe fulfill and be subject to the terms exceptions and conditions of
this Policy in so far as they apply.
5. The Company may at its own option (a) arrange for representation at any Inquest or Fatal Inquiry in respect of any death which may
be the subject of indemnity under this Policy and (b)undertake the defence of proceedings in any Court of Law in respect of any act or
alleged offence causing or relating to any event which may be the subject of indemnity under this Policy.

AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY

Nothing in this Policy or any endorsement hereon shall affect the right of any person indemnified by this Policy or any other person to
recover an amount under or by virtue of the provisions of the Motor Vehicles Act.

But the insured shall repay to the Company all sums paid by the Company which the Company would not have been liable to pay but for
the said provisions.

APPLICATION OF LIMITS OF INDEMNITY

In the event of any accident involving indemnity to more than one person any limitation by the terms of this Policy and/or of any
Endorsement thereon of the amount of any indemnity shall apply to the aggregate amount of indemnity to all persons indemnified and
such indemnity shall apply in priority to the insured.

5 / 11
SECTION - III: PERSONAL ACCIDENT COVER FOR OWNER-DRIVER

The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the
vehicle,in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst
traveling in it as a co-driver, caused by violent accidental external and visible means which independent of any other cause shall within six
calendar months of such injury result in:

Nature of injury Scale of compensation

(i) Death 100%
(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%
(iii) Loss of one limb or sight of one eye 50%
(iv) Permanent total disablement from injuries other than named above 100%

Provided always that

A) compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one
occurrence and the total liability of the insurer shall not in the aggregate exceed the sum as per schedule during any one period of
insurance.
B) no compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or
traceable to (a) intentional self injury suicide or attempted suicide physical defect or infirmity or (b) an accident happening whilst such
person is under the influence of intoxicating liquor or drugs.
C) Such compensation shall be payable directly to the insured or to his/her legal representatives whose receipt shall be the full
discharge in respect of the injury to the insured.
This cover is subject to
(a) the owner-driver is the registered owner of the vehicle insured herein.
(b) the owner-driver is the insured named in this policy.
(c) the owner-driver holds an effective driving licence, in accordance with the provisions of Rule 3 of the Central Motor Vehicles
Rules, 1989, at the time of the accident.

GENERAL EXCEPTIONS ( Applicable to all Sections of the Policy)

The Company shall not be liable under this Policy in respect of :
1. any accidental loss damage and/or liability caused sustained or incurred outside the geographical area.
2. any claim arising out of any contractual liability.
3. any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is
(a) being used otherwise than in accordance with the 'Limitations as to Use'
or
(b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the
Driver''s clause.
4. (i) Any accident loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any
consequential loss
(ii) any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or
contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of
this exception combustion shall include any self-sustaining process of nuclear fission.
5. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material
6. Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or
traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether
before or after declaration of war), civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequences of any of
the said occurrences and in the event of any claim hereunder the Insured shall prove that the accidental loss damage and/or liability
arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences
or any consequences thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a
claim.

DEDUCTIBLE
The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured) of this Policy in
respect of the deductible stated in the schedule.
CONDITIONS
This Policy and the Schedule shall be read together and any word or expression to which a specific meaning has been attached in any part
of this Policy or of the Schedule shall bear the same meaning wherever it may appear.
1. Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of
any claim and thereafter the insured shall give all such information and assistance as the Company shall require. Every letter claim writ
summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be
given in writing to the Company immediately the insured shall have knowledge of any impending prosecution inquest or fatal injury in
respect of any occurrence which may give rise to a claim under this policy. In case of theft or criminal act which may be the subject of a
claim under this Policy the insured shall give immediate notice to the police and co-operate with the Company in securing the conviction of
the offender.
2. No admission offer promise payment or indemnity shall be made or given by or on behalf of the Insured without the written consent
of the Company which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or settlement of
any claim or to prosecute in the name of the Insured for its own benefit any claim for indemnity or damages or otherwise and shall have
full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and
assistance as the Company may require.
3. The Company may at its own option repair reinstate or replace the vehicle or part thereof and/or its accessories or may pay in cash
the amount of the loss or damage and the liability of the Company shall not exceed:
(a) for total loss / constructive total loss of the vehicle - the Insured''s Declared Value (IDV) of the vehicle (including accessories
thereon) as specified in the Schedule less the value of the wreck
(b) for partial losses, i.e. losses other than Total Loss/Constructive Total Loss of the vehicle - actual and reasonable costs of repair
and/or replacement of parts lost/damaged subject to depreciation as per limits specified.
4. The Insured shall take all reasonable steps to safeguard the vehicle from loss or damage and to maintain it in efficient condition
and the Company shall have at all times free and full access to examine the vehicle or any part thereof or any driver or employee of the
insured. In the event of any accident or breakdown, the vehicle shall not be left unattended without proper precautions being taken to
prevent further damage or loss and if the vehicle be driven before the necessary repairs are effected any extension of the damage or any
further damage to the vehicle shall be entirely at the insured''s own risk.
5. The Company may at any time cancel the policy on grounds of misrepresentation, fraud. non-disclosure of material fact or non-
cooperation by the insured by sending seven days notice by recorded delivery to the insured at insured's last known address and in such
event will return to the insured the premium paid less the pro rata portion thereof for the period the Policy has been in force or the policy
may be cancelled at any time by the insured on seven days' notice by recorded delivery and provided no claim has arisen during the

6 / 11
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. Return of the premium by the company will be subject to retention of the minimum premium of
Rs.100/- (or Rs.25/- in respect of vehicles specifically designed/modified for use by blind/handicapped/mentally challenged persons).
Where the ownership of the vehicle is transferred, the policy cannot be cancelled unless evidence that the vehicle is insured elsewhere at
least for Liability Only cover is produced and original Certificate of Insurance is produced for cancellation.
6. If at the time of occurrence of an event that gives rise to any claim under this policy there is in existence any other insurance
covering the same liability, the Company shall not be liable to pay or contribute more than its ratable proportion of any compensation,
cost or expense.
7. If any dispute or difference shall arise as to the quantum to be paid under this policy (liability being otherwise admitted), such
difference shall independent of all other questions be referred to the decision of a sole arbitrator to be appointed in writing by the parties
to the dispute or if they cannot agree upon a single arbitrator within 30 days of any party invoking Arbitration, the same shall be referred
to a panel of three arbitrators comprising two arbitrators one to be appointed by each of the parties to the dispute /difference, and a third
arbitrator to be appointed by such two arbitrators who shall act as the presiding arbitrator and Arbitration shall be conducted under and in
accordance with the provisions of the Arbitration and Conciliation Act, 1996.
It is clearly agreed and understood that no difference or dispute shall be referable to Arbitration as hereinbefore provided, if the
Company has disputed or not accepted liability under or in respect of this policy.
It is hereby expressly stipulated and declared that it shall be condition precedent to any right of action or suit upon this policy that the
award by such arbitrator/ arbitrators of the amount of the loss or damage shall be first obtained.
It is also hereby further expressly agreed and declared that if the Company shall disclaim liability to the insured for any claim
hereunder and such claim shall not, within twelve calendar months from the date of such disclaimer have been made the subject matter of
a suit in a court of law, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable
hereunder.
8. The due observance and fulfillment of the terms, conditions and endorsements of this Policy in so far as they relate to anything to
be done or complied with by the insured and the truth of the statements and answers in the said proposal shall be conditions precedent to
any liability of the Company to make any payment under this Policy.
9. In the event of the death of the sole insured, this policy will not immediately lapse but will remain valid for a period of three months
from the date of the death of insured or until the expiry of this policy (whichever is earlier). During the said period, legal heir(s) of the
insured to whom the custody and use of the Motor Vehicle passes may apply to have this Policy transferred to the name(s) of the heir(s)
or obtain a new insurance policy for the Motor Vehicle.
Where such legal heir(s) desire(s) to apply for transfer of this policy or obtain a new policy for the vehicle such heir(s) should make an
application to the Company accordingly within the aforesaid period. All such applications should be accompanied by:-
a) Death Certificate in respect of the insured
b) Proof of title to the vehicle
c) Original Policy

7 / 11
No Claim Bonus
The insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the policy, if no claim is made or pending during the
preceding year(s), as per the following table:
Period of insurance % of NCB on OD premium
The preceding year 20%
Preceding Two consecutive years 25%
Preceding Three consecutive years 35%
Preceding Four consecutive years 45%
Preceding Five consecutive years 50%
No Claim Bonus will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.
NB 1:- In Liability with Fire and / or Theft Only policies NCB as above will be applicable only on the Fire and / or Theft component of
the premium.
2 :- In Fire and / or Theft Only policies the insured is not entitled for NCB.

UIIC - 7 ENDORSEMENTS FOR NIL DEPRECIATION ADD ON COVER WITHOUT ADD ON EXCESS

In consideration of payment of additional premium notwithstanding anything to the contrary contained in the policy, it is hereby
understood and agreed that in the event of a Partial Loss Claim for repairs to the vehicle insured under the policy if admitted, no
depreciation as specified in Section I of the policy shall apply.

Subject otherwise to the terms, conditions, limitations & exceptions of the policy.

IMT ENDORSEMENTS : 22,28

IMT.22. Compulsory Deductible (Applicable to Private Cars, three wheelers rated as private cars, all motorized two wheelers, taxis,
private car type vehicle plying for public/private hire, private type taxi let out on private hire)

Notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the insured shall bear under
Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss) the first 2000
(or any less expenditure which may be incurred) of any expenditure for which provision has been made under this policy and/or of any
expenditure by the insurer in the exercise of his discretion under Condition 3 of this policy.
If the expenditure incurred by the insurer shall include any amount for which the insured is responsible hereunder such amount shall be
repaid by the insured 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 in respect of which indemnity is provided under this policy.
Subject otherwise to the terms conditions limitations and exceptions of this Policy.
IMT. 28. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER EMPLOYED IN CONNECTION WITH THE
OPERATION OF INSURED VEHICLE
(For all Classes of vehicles.)

In consideration of an additional premium of 50 /- notwithstanding anything to the contrary contained in the policy it is hereby
u n d e r s t o o d a n d a g r e e d t h a t t h e i n s u r e r s h a l l i n d e m n i f y t h e i n s u r e d a g a i n s t t h e i n s u r e d ' s l e g a l l i a b i l i t y u n d e r t h e Workmen's
Compensation Act, 1923 , the Fatal Accidents Act, 1855 or at Common Law and subsequent amendments of these Acts prior to the date
of this Endorsement in respect of personal injury to any paid driver and/or conductor and/or cleaner whilst engaged in the service of the
insured in such occupation in connection with the vehicle insured herein and will in addition be responsible for all costs and expenses
incurred with its written consent.

Provided always that

(1) this Endorsement does not indemnify the insured in respect of any liability in cases where the insured holds or subsequently effects
with any insurer or group of insurers a Policy of Insurance in respect of liability as herein defined for insured‟s general employees;

(2) the insured shall take reasonable precautions to prevent accidents and shall comply with all statutory obligations;

*(3) the insured shall keep record of the name of each paid driver conductor cleaner or persons employed in loading and/or unloading
and the amount of wages and salaries and other earnings paid to such employees and shall at all times allow the insurer to inspect such
records on demand.

(4) in the event of the Policy being cancelled at the request of the insured no refund of the premium paid in respect of this Endorsement
will be allowed.

Subject otherwise to the terms conditions limitations and exceptions of the Policy except so far as necessary to meet the requirements of
the Motor Vehicles Act, 1988.

*In case of Private cars/ motorised two wheelers (not used for hire or reward) delete this para.

8 / 11
Claim Procedure

• Inform the insures immediately, quoting policy no. to enable them to arrange for a survey.
• Inform the police about the accident, if third part injury/property damage is/are also involved.
• Note the names and addresses of witnesses present at the time of accident.
• Submit an estimate of repairs to your insuring office or the nearest office of the Insuring Company.
• Do not undertake the repairs till the insurers approve the estimate of the cost of repairs/replacements.
• Give any additional information, if available. That helps the insurers settle the claim faster.
• Please keep ready and present the following documents to the surveyor for verification when asked for:
(a) Driving License (b) R.C. Book
• In case of Commercial Vehicles, please keep ready
(a) Route Permit (b) Fitness Certificate (c) Badge (Taxi) also.
• After the repairs are over, you will have to sign a satisfaction certificate and submit to the repairs.

REDRESSAL OF GRIEVANCE

In case of any grievance the Insured Person may contact the company through:

Website: www.uiic.co.in
Toll free: 1800 425 333 33
E-mail: customercare@uiic.co.in
Courier: Customer Care Department, Head Office, United India Insurance Co. Ltd., 19, IV Lane, Nungambakkam High Road,
Chennai,Tamil Nadu- 600034

Insured Person may also approach the grievance cell at any of the Company's branches with the details of grievance.
If Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the
grievance officer at customercare@uiic.co.in
For updated details of grievance officer, kindly refer the link https://uiic.co.in/en/customercare/grievance
If Insured Person is not satisfied with the redressal of grievance through above methods, the Insured Person may also approach the office
of Insurance Ombudsman of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules 2017.

The contact details of the Insurance Ombudsman offices have been provided as Annexure - 1.

Grievance may also be lodged at IRDAI Integrated Grievance Management System: https://igms.irda.gov.in

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 Annexure -1
The contact details of the Insurance Ombudsman offices are as below-
Areas of Jurisdiction Office of the Insurance Ombudsman
Gujarat, Dadra & Nagar Haveli, Daman and Diu Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak
Marg, Relief Road, Ahmedabad - 380 001. Tel No: 079 - 25501201/02/05/06.
Email: bimalokpal.ahmedabad@ecoi.co.in
Karnataka Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru - 560 078.
Tel.: 080 - 26652048 / 26652049 Email: bimalokpal.bengaluru@ecoi.co.in
Madhya Pradesh and Chhattisgarh Office of the Insurance Ombudsman, Janak Vihar Complex, 2nd Floor, 6, Malviya
Nagar, Opp. Airtel Office, Near New Market, Bhopal - 462 003. Tel.: 0755 - 2769201
/ 2769202 Fax: 0755 - 2769203 Email: bimalokpal.bhopal@ecoi.co.in
Odisha Office of the Insurance Ombudsman, 62, Forest park, Bhubneshwar - 751 009.
Tel.: 0674 - 2596461 /2596455 Fax: 0674 - 2596429 Email:
bimalokpal.bhubaneswar@ecoi.co.in
Punjab , Haryana, Himachal Pradesh, Jammu a n d Office of the Insurance Ombudsman, S.C.O. No. 101, 102 & 103, 2nd Floor, Batra
Kashmir, UT of Chandigarh Building, Sector 17 - D, Chandigarh - 160 017. Tel.: 0172 - 2706196 / 2706468
Fax: 0172 - 2708274 Email: bimalokpal.chandigarh@ecoi.co.in
Tamil Nadu, UT-Pondicherry Town and Karaikal (which Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna
are part of UT of Pondicherry) Salai, Teynampet, CHENNAI - 600 018. Tel.: 044 - 24333668 / 24335284 Fax: 044
- 24333664 Email: bimalokpal.chennai@ecoi.co.in
Delhi Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali
Road, New Delhi - 110 002. Tel.: 011 - 23232481/2321350 4. Email:
bimalokpal.delhi@ecoi.co.in
Assam , Meghalaya, Manipur, Mizoram, Arunachal Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Nr. Panbazar over
Pradesh, Nagaland and Tripura bridge, S.S. Road, Guwahati - 781001 (ASSAM). Tel.: 0361 - 2632204 / 2602205.
Email: bimalokpal.guwahati@ecoi.co.in
Andhra Pradesh, Telangana and UT of Yanam - a part Office of the Insurance Ombudsman, 6-2-46, 1st floor, "Moin Court", Lane Opp.
of the UT of Pondicherry Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel.:
040 - 67504123 / 23312122. Fax: 040 - 23376599 Email:
bimalokpal.hyderabad@ecoi.co.in
Rajasthan Office of the Insurance Ombudsman, Jeevan Nidhi - II Bldg., Gr. Floor, Bhawani
Singh Marg, Jaipur - 302 005. Tel.: 0141 - 2740363 Email:
Bimalokpal.jaipur@ecoi.co.in
Kerala , UT of (a) Lakshadweep, (b) Mahe - a part of Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg., Opp. Cochin
UT of Pondicherry Shipyard, M. G. Road, Ernakulam - 682 015. Tel.: 0484 - 2358759 / 2359338 Fax:
0484 - 2359336 Email: bimalokpal.ernakulam@ecoi.co.in
West Bengal, UT of Andaman and Nicobar Islands, Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 4th Floor, 4, C.R.
Sikkim Avenue, KOLKATA - 700 072. Tel.: 033 - 22124339 / 22124340 Fax : 033 -
22124341 Email: bimalokpal.kolkata@ecoi.co.in
Districts of Uttar Pradesh: Laitpur, Jhansi, Mahoba, Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal
Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Kishore Road, Hazratganj, Lucknow - 226 001. Tel.: 0522 - 2231330 / 2231331.
Sonbhadra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Fax: 0522 - 2231310 Email: bimalokpal.lucknow@ecoi.co.in
Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur,
Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti,
Gonda, Faizabad, Amethi, Kaushambi, Balrampur,
Basti, Ambedkarnagar, Sultanpur, Maharajgang,
Santkabirnagar, Azamgarh, Kushinagar, Gorakhpur,
Deoria, Mau, Ghazipur, Chandauli, Ballia,
Sidharathnagar.
Goa, Mumbai Metropolitan Region excluding Navi Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road,
Mumbai & Thane Santacruz (W), Mumbai - 400 054. Tel.: 022 - 26106552 / 26106960 Fax: 022 -
26106052 Email: bimalokpal.mumbai@ecoi.co.in
State of Uttarakhand and the following Districts of Uttar Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road,
Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301. Tel.: 0120-
Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, 2514250 / 2514252 / 2514253 Email: bimalokpal.noida@ecoi.co.in
Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya,
Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam
Buddha Nagar, Ghaziabad, Hardoi, Shahjahanpur,
Hapur, Shamli, Rampur, Kasganj, Sambhal, Amroha,
Hathras, Kanshiramnagar, Saharanpur
Bihar, Jharkhand. Office of the Insurance Ombudsman, 1st Floor, Kalpana Arcade Building, Bazar
Samiti Road, Bahadurpur, Patna 800 006. Tel.: 0612-2680952. Email:
bimalokpal.patna@ecoi.co.in
Maharashtra, Area of Navi Mumbai and Thane Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s.
excluding Mumbai Metropolitan Region 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune - 411 030. Tel.: 020-41312555.
Email: bimalokpal.pune@ecoi.co.in
The updated details of Insurance Ombudsman are also available at:
ºIRDAI website: https://www.irdai.gov.in/
ºGeneral Insurance Council website: https://www.gicouncil.in/
ºOur Company Website: https://uiic.co.in/
ºFrom any of the offices of our Company.

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 UNITED INDIA INSURANCE COMPANY LIMITEDUNITED INDIA INSURANCE
COMPANY LIMITED
CERTIFICATE OF INSURANCE CERTIFICATE OF INSURANCE
{lblNewproductName1}
(FORM 51 OF CENTRAL MOTOR VEHICLE RULES 1989)
POLICY NO Policy No. 2019003123P104475847 Certificate Number
2019003123P104475847
C I D Customer Id 23051794541 Certificate Number
Name of the Insured Issuing Office Issuing
MR HARJIT SINGH. Code Code 201900
Name of the Insured Office Address
Address of the Insured S/O SH BALJINDER SINGH R / O DASAUINDHA UNITED INDIA INSURANCE CO.LTD., DIVISIONAL OFFICE, RAILWAY
Address of the Insured SINGHWALA MITHEWAL DISTT SANGRUR ROAD, SANGRUR (PB.) PUNJAB 148001 SANGRUR PUNJAB
148001 SANGRUR PUNJAB
BOCC T P h o n e Telephone (01672) 232097,(01672) 233169
Others Mobile No.- 9115389000
Business/Occupation
Insured's Declared Value Insured's Declared Value 1100000
Period of Insurance From 00:00 Hrs of 26/07/2023 To Midnight of 25/07/2024
Particulars of Vehicle Insured Particulars of Vehicle Insured
Registration No Seating
Obsolete Cubic
Registration No. Make Type of Year of including
Vehicle Engine No Capacity
Chassis No Chassis No. M a k e /Model Body Type Mfg Year Seating
Vehicle Trailer Trailer Obsolete Engine No. Cubic
Model of Body of Mfg including
Vehicle (if any if any) Vehicle Capacity/KW
driver
TOYOTA /
INNOVA
PB - 10 - FQ 2GDA108431 MBJAB3EM9025137080617
No CRYSTA(2016 MPV 2017 2393 7
- 0086
- ) 2.4 VX 7
STR
Registration Authority
Geographical Area Geographical Area
Registration Authority
Sangrur INDIA
AMOUNT IN WORDS Amount in words: Twenty-two thousand five hundred ninety rupees only
Persons or classes of persons entitled to drive Persons or classes of persons entitled to drive
Persons or classes of persons entitled to drive WordingAny person including Insured provided that a person hold an effective driving
licence at the time of accident and is not disqualified from holding or obtaining such a licence. Provided also that the person holding an
effective Learner's Licence may also drive the vehicle and such a person satisfies the requirements of Rule 3 of Central Motor Vehicle
Rule, 1989.
Note:- The policy does not cover liability for death, bodily injury or damage as excluded insection 150 (2) (ii) and (iii); (b) and (c) of the
Motor Vehicles Act, 1988.
Limits of Liability Limitations as to use Premium Premium: 19,144.00
Limitations as to use Wording The policy covers use only under a CGST(9%): 1,723.00
permit within the meaning of Motor Vehicles Act, 1988 or such a SGST(9%): 1,723.00
carriage falling under Subsection 3 of Section 66 of the Motor Stamp Duty Stamp Duty: 1.00
Vehicles Act, 1988. Total (Rounded Off)Total (Rounded Off): 22,590.00
The policy does not cover use for The policy does not cover use for:
Hire or Reward a) Hire or Reward Receipt Number Receipt Number :
10120190023105263561
Carriage of Goods b) Carriage of Goods (other than samples or
Receipt Date Receipt Date: 25/07/2023
personal luggage)
Organized Racing c) Organized Racing Debit Note Number DebitNote Number:
Pace Making d) Pace Making Document Date Document Date:
Speed Testing and Reliability Trails e) Speed Testing and Reliability
Trails
Use in connection with Motor Trade f) Use in connection with Motor
Trade
Limits of Liability Limits of Liability ABCode Agency/Broker Code: AGD0119255
Section III Wording Under Section II-I (i) Death or bodily injury in NITIN GARG
respect of any one accident; As per Motor Vehicles Act 1988 Direct Business Direct Business:
Section II WordingUnder Section II-I (ii) Damage to third party Development Officer Code Development Officer Code:
property in respect of any one claim or series of claims arising out
of one event: 750000
Subject to IMT Endorsement No.s, terms and conditions printed herein / attached hereto 22,28
DECLWording I/We hereby certify that the policy to which the certificate For and On behalf of For and On behalf of
relates as well as the certificate of insurance are issued in accordance with United India Insurance Co. Ltd.
provisions of Chapter X & XI of M.V Act, 1988.

Date of Issue: 25/07/2023 Duly Constituted Attorney

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