Dear MR.

GOURAV KALA,

Welcome to the growing Aditya Birla Insurance Brokers͛family! We thank you for choosing us as your preferred Insurance advisor.

This insurance policy covers your vehicle against unforeseen losses, while also giving you a host of special benefits. The unique
features of your comprehensive Royal Enfield Insurance Program are:

1. Cashless claims settled at Dealerships!

2. Fast and hassle-free claim settlements!*
3. Zero Depreciation Cover (If opted)
4. Long term cover (If opted)

What͛s more, this package policy is recognized by Royal Enfield dealers across the country, thus leaving you with even less worries!

Enclosed herewith are the following:

‡ A Policy Schedule cum Certificate of Insurance, containing details of your vehicle insurance cover and premium
calculation
‡ A Policy Wordings with Terms & Conditions, as per motor insurance policy
For Detail Policy wording kindly refer respective Insurance Company website

We assure you with the best of our services at all times, and look forward to your continued support and patronage.

Wishing you safe and worry-free trips ahead!

Sincerely,

Team ABIBL

*Admission and settlement of claim is at sole discretion of Insurance Company.

Aditya Birla Insurance Brokers Limited (ABIBL) is leading composite intermediary in India. ABIBL specialises in providing General Insurance
Broking & Risk Management solutions corporate and individuals. It also offers reinsurance solutions to insurance companies.

ABIBL has presence in 13 prime locations in India with over 340 qualified & expert employees on board. ABIBL has specialised teams to cater to
specific Insurance needs like Property, Employee Benefits, Liability & Credit, Motor, Infrastructure & Lender Insurance Advisory. At ABIBL, we aim
to simplify the complex world of general Insurance for our clients.

ABIBL is a part of the Aditya Birla Financial Services Group (ABFSG). ABFSG is an umbrella brand for all the financial service business of the Aditya
Birla Group. As a significant non-banking player, we have a leadership presence across Life Insurance, Asset Managment, Non-Banking Financial
Companies (NBFC), Infrastructure Project & Structured Finance, Private Equity, Broking, Wealth Management & Distribution and General
Insurance Broking, Risk ManagementServices & Online Money Management.

Aditya Birla Insurance Brokers Limited

Corporate office: One Indiabulls Center, Tower 1, 14th floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013.
Regd office: Indian Rayon Compound, Veraval, Gujarat ±License Number: 146. CIN: U99999GJ2001PLC062239
Contact No.: 022 4356 8327 Fax: +91-22-4356 8511
In case of any queries/complaints/grievances, please write to us at [email protected]
 Tata AIG General Insurance Co. Ltd.
MOTOR TWO WHEELER CERTIFICATE CUM POLICY SCHEDULE CUM RECEIPT
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989)
Policy No 0146595603 Tenure 1 Year Proposal No. & Date P3940041, 24 Apr 2018
Policy Issued On 24 Apr 2018 3:29PM Period of Insurance 24 Apr 2018 3:29PM to 23 Apr 2019 11:59PM(Midnight)
Insured Name MR. GOURAV KALA Previous Policy No. NA
Insured Add. S/O SH. SHIV NARAYAN KALA H.NO 1098 W.NO Previous Insurer NA
34 MAIN JHAJJAR ROAD VIJAY NAGAR, ROHTAK
, HARYANA-124001 GSTIN :NA
Nominee Name SANGEETA Age 30 Relation SPOUSE
Servicing Office of Insurer 2nd Floor, Narayan Complex, Civil road, Rohtak ±Haryana , ROHTAK , HARYANA- State Code-06
PAN: AABCT3518Q GSTIN: 06AABCT3518Q1Z0
Make Model Variant Cubic Capacity Manufacturing Year Seating capacity
Royal Enfield Motors India CLASSIC 350 BLACK BS IV 346 2018 2
Ltd.
Body Type Registration No. RTO Hypothecation/Lease* Fuel Type Chassis No.
BIKE New ROHTAK Yes PETROL ME3U3S5C2JD142835
Vehicle IDV Elec. Accessories Non-Elec. Accessories CNG/LPG Kit Total IDV Engine No.
132,027 0 10688 0 142,715 U3S5C2JD103526
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A) Liability Premium (B)
Basic Premium Basic Third Party Liability (including TPPD) 985
Vehicle 1,046 PA Cover For Owner Driver Of Rs. 1 Lakh 50
Non-Elec. Accessories 189 PA For Paid Driver 0
Elec. Accessories (IMT-24) 0 PA Cover ( 0 Per Person) for 0 Persons 0
Sub Total (Basic Premium) 1,235 Geographical Areas Extention 0
IMT 33 0 Sub Total (PA Cover) 50
Add On (NIL DEP) 857 Net Liability Premium (B) 1035
Geographical Area Extension (IMT-1) 0 Total Premium (A+B) 3,127
Sub Total-Addition 2,092 SGST(9.00%) 282
Deductibles CGST(9.00%) 282
Voluntary Deductibles (0) (IMT-22A) 0 Gross Premium Paid 3,691
Anti Theft Device (IMT-10) 0 Note: 1.Policy issuance is subject to realization of cheque
2.Consolidated stamp duty paid to state exchequer
AA Membership (IMT-8) 0
No Claim Bonus (0%) 0 3.The policy is subject to compulsory deductible of Rs.100 (IMT-22)
Sub Total (Deductibles) 0 4.Geographical Area-India
Net Own Damage Premium (A) 2,092 *Subject to IMT Endt. Nos.& Memorandum:,15,22,24,7
Insured Declared Value :
The schedule of age-wise insured declared value(IDV) as shown in the below table is applicable for the purpose of Total loss including Theft/Constructive Total Loss(TL/CTL) claims only on
basis of loss date falling in the respective year. A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and/or repair of the vehicle subject to terms and conditions of the
policy exceeds 75% of the IDV.
Tenure 24 Apr 2018 to 23 Apr 2019 - -
IDV 142715 0 0
Limitations as to use: The policy covers use of the vehicle for any purpose other than (1) Hire or Reward (2) Carriage of goods (other than samples or personal luggage) (3) Organized racing (4)
Pace making (5) Speed testing (6) Reliability trials (7) Any purpose in connection with motor trade.
Driver¶s Clause: Any person including the insured: Provided that the person driving holds an effective driving license at the time of the accident and is not disqualified from holding or obtaining
such license. Provided also that the person holding an effective learner s license may also drive the vehicle & that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles
Rules, 1989".
Limits of Liability Clause: Under Section II-1(i) of the policy-Death of or bodily injury: Such amount as is necessary to meet the requirements of the Motor Vehicle Act 1988.Under Section II-1
(ii) of the policy-Damage to third party property is Rs. 1.0 lakhs PA Cover Under Section III for Owner-Driver is Rs. 1.0lakhs.,TPPD 2 Sum Insured - 6,000.
No Claim Bonus: No Claim Bonus is subject to no claim on the previous policy. Benefits under the policy stands forfeited if claim is/was made in previous policy
Grievance Clause: For resolution of any query or grievance, Insured may contact the respective branch office of the company or may call at(18002667780)or may write an email at
([email protected]). In case the insured is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at([email protected])
.In the event of unsatisfactory response from the Grievance Office, he/she may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance. Details of
Insurance Ombudsman offices are available at IRDA website:www.irda.gov.in , or on the website of General Insurance Council:www.gicouncil.in or on the company
websitewww.tataaiginsurance.in. The policy wording with detailed terms, conditions and exclusions are available on our websitewww.tataaiginsurance.in.

Hypothecation Details: HDFC BANK LTD , ROHTAK - ROHTAK

MISP Name - BADHWAR AND COMPANY,MISP Code - AB-MRE000259

Important Notice: The insured is not indemnified, if the vehicle is used or driven otherwise than in accordance with the schedule. Any payment made by the company by reasons of wider terms
appearing in the certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from the insured. See the clause headed ³AVOIDANCE OF CERTAIN TERMS & RIGHT OF
RECOVERY´For legal interpretation, English version will hold good.
SAC : 997134 Description of Service : Motor Insurance Place of Supply : HARYANA(State Code-06) Insurer Invoice Number : 0146595603

I/we hereby certify that the policy to which this certificate relates as well as this certificate of insurance are issued in accordance with the provisions of Chapter X and Chapter XI of Motor Vehicle
Act, 1988
For & On Behalf of Tata AIG General Insurance Co. Ltd.

Authorized Signatory
Broker Name & Add :Aditya Birla Insurance Brokers Limited ,Regd. Office: Indian Rayon Compound, Veraval - 362 266. Corporate Office: One Indiabulls Centre, Tower 1, 14th Floor, Jupiter
Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013. Tel: +91-22-43568585 Fax: +91-22-4356 8511 License Number: 146 CIN: U99999GJ2001PLC062239 .
Broker Code :10000001926

Receipt No. - 0146595603,Payment Mode - Cheque

For Renewal/Claims assistance - please contact Insurance.Co./Broker through : BADHWAR AND COMPANY ROHTAK at +91-(01262)271
1. It is hereby declared and agreed that any damages pre-existing ,any losses occured & any liability having been insured,prior to the communication of cover under this
policy are excluded from the scope of this policy
2. Updating Registration Number of Vehicles within 15 days of policy inception is MANDATORY as per IRDA. Kindly provide the same to your agent/Our call centre/Policy
issuing branch (Applicable for policies booked without Registration No of vehicles)

As a responsible broker, we take a complete systematic approach to ensure that IDV for the vehicle of age exceeding 5 years would be determined mutually by insurer
the motor insurance opted by you meets their requirements and triggers the and insured.
best way at the time of need. Schedule of depreciation for fixing IDV of the vehicle
Policy Cover - 50% for all rubber/nylon/plastic parts, tyres, tubes, batteries and air bags
- Loss or damage to your vehicle or the accessories due to: - 30% for all fiber glass components
- Nil for all parts made of glass

Natural Calamities: Fire, explosion, self ignition or lightning, earthquake, flood, In the case of painting, the depreciation rate of 50% shall be applied only on the
typhoon, hurricane, storm, material cost of total painting charges.
tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
In the case of a consolidated bill for painting charges, the material component shall
Man-made Calamities: be considered as 25% of total painting charges for the purpose of applying the
- Burglary, theft, riot, strike, malicious act, accident by external means, terrorist depreciation.(Applicable for policies with risk inception date on or after 1st February
activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, 2013).
etc. For all other parts depreciation rate is applicable as following:

- Personal Accident cover for individual owners of the vehicle while driving. Age of the vehicle % of Depreciation
- Personal Accident cover for individual owners of the vehicle while driving. Not exceeding 6 months Nil
- Legal Liability due to accidental damage for Exceeding 6 months but not exceeding 1
5%
- Any permanent injury/death of a person year
- Any damage caused to the property Exceeding 1 year but not exceeding 2
- Towing Charges as applicable 10%
years
Exceeding 2 years but not exceeding 3
Optional Extensions 15%
years
- Loss of Electrical/Non-Electrical accessories Exceeding 3 years but not exceeding 4
25%
- Legal Liability to paid driver, cleaner or any workman years
- Personal Accident cover for the occupants Exceeding 4 years but not exceeding 5
35%
years
Other Salient Features Exceeding 5 years but not exceeding 10
40%
years
- No Claim Bonus available on subsequent renewals in lieu of claims free
Exceeding 10 years 50%
experience
- Discount for opting higher voluntary excess Add On Cover
- Discount for installation of approved anti-theft devices Zero Depreciation - If opted, the benefits and exclusions applicable as per insurance
- Discount for AAI membership company's rules & regulations.
- Depreciation is applicable - No depreciation charges to the customer if the vehicle is repaired at authorized
for the parts needing replacement in accident garages
Nil depreciation on metal parts
What is not covered in the Policy? Nil depreciations on plastic parts (other insurance companies plastic parts attracts
- Mechanical/Electrical breakdown, manufacturing defect 50% depreciation)
- Consequential loss, depreciation, wear & tear - This cover is available only at time of purchase & cannot be incorporated in the
- Any contractual liability middle of the year
- Intoxicated driving - In the event of complete loss of the insured vehicle (Constructive Total Loss or
- Deliberate accidental loss Total Loss), no payment shall be made under this add-on.
- Damages due to nuclear weapons material or war - For any claim to become payable under this cover, it should be admitted under
- Accidents outside the Geographical Area Section I ʹLoss or damage to the vehicle insured of motor comprehensive policy
- Policy Excess - Normal wear and tear not included in this cover.
- Premium rate depends on vehicle model, territory & age of vehicle
Schedule of Depreciation
Schedule of depreciation for fixing IDV of the vehicle

Return to Invoice / Total Cover / New Vehicle Replacement - If opted the benefits &
Age of the vehicle % of Depreciation
exclution applicable as per Insurance Company's rules and regulations
For any claim to be payable under this cover, it should be admitted under Section I ʹ
Not exceeding 6 months 5%

Exceeding 6 months but not ͞Loss or damage to the vehicle insured ͞of motor comprehensive policy.
15%
exceeding 1 year
Exceeding 1 year but not exceeding 2 Note: If Add-on covers have been opted for in the policy, a maximum of two claims
20%
years will be processed for benefits accruing out of the add-on covers.
Exceeding 2 years but not exceeding 3 Subsequent claims in the policy period will be processed as per the normal insurance
30%
years covers without the add-on benefits.
Exceeding 3 years but not exceeding 4
40%
years
Exceeding 4 years but not exceeding 5
50%
years