Auto Secure - Commercial Vehicle Package Policy -

Goods Carrying Vehicle

Name DHAN DHAN GURU RAMDASS SAHIB JI Unlock Policy Details at Your Fingertips

LANGAR SEWA SOCIETY 139 GALI NO 4 SULTANWIND Download now Scan QR Code
Address ROAD, DAIRYGOBINDNAGARAmritsarPunjab, TATA AIG App
AMRITSAR, -PUNJAB 143001 AND
https://taig.in/551c26a

Contact No. 98**15**00

Email ID PAR********@GMAIL.COM You can also visit our website WhatsApp us at

www.tataaig.com +91 9136160375

Drive with confidence, we have got you covered!

Thank you for choosing our Motor Vehicle Insurance Policy.
We've attached your Policy Schedule cum Certificate of Insurance. Visit www.tataaig.com for your Policy wording.

What is Covered

Loss of/Damage to the Vehicle We will provide coverage for any loss or damage to the vehicle caused by
Insured both Man made & Act Of God perils specified in the policy like fire, theft,
explosion, burglary, riots and many more.

Third-Party Liabilities We will indemnify the insured for third-party damages, including injury or
death of a third party or damage to third-party property resulting from
vehicle use as per provisions of Motor Vehicles Act 1988 and
amendments thereto.

Owner-Driver Personal Accident We will compensate the owner-driver for death or bodily injury caused by
Cover (If Opted) violent, accidental, external and visible means in direct connection with
the insured vehicle.
This cover pays up to 15 lakhs for injury/death. In the event of death
compensation shall be paid to legal representative.

What is not Covered

Losses Outside the Covered Any losses that may occur outside the geographical area as mentioned in
Geographical Area policy schedule.

Consequential Loss A consequential loss is a loss that follows another loss that is caused by a
peril.

Unlawful Actions Driving without valid driving license or under influence of intoxicants,
overloading etc. Vehicle being used for purpose other than it is allowed.

War & War like Perils Damages due to nuclear weapons, war or war-like activities, hostilities,
invasions, or the act of foreign enemies.

Other Exclusions as mentioned in Policy Wordings

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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Goods Carrying Vehicle

Here's your go-to guide to understand CV terminology. Click here to explore.

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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Certificate of Insurance Cum Policy Schedule

Agent Name: HARVINDER Agent Contact No.:

Agent License Code: 5366785
KAUR 9815151300
Policy Details: Vehicle Details:

Policy No. 6302691984 00 00 Registration No. PB02DR5108

Insured’s Name DHAN DHAN GURU Make / Model / Body MAHINDRA/BOLERO/M

RAMDASS SAHIB JI Type / Segment AXI TRUCK 2WD/OPEN/
PICK UP VAN
Address LANGAR SEWA SOCIETY
139 GALI NO 4 SULTAN Engine No. / Motor TBJ4G55489
WIND ROAD, DAIRYGO No. (for EV)
BINDNAGARAmritsarPu
njab, AMRITSAR, PUNJA Chassis No. MA1ZP2TBKJ2G54921
B, 143001 CC/KW 2523
Period of Insurance 03/02/2025 00:00 GVW 2670
Hours To 02/02/2026
Midnight Licensed Carrying 2
Capacity Including
Insured/Lessor GSTIN NA Driver
Insured ID Mfg. Year 2018
Alternate Policy No. N/A Hire Purchase / NA
Policy Code 00/00/3189/01 Hypothecation /
Lease with
Place of Supply PUNJAB
Contract / Loan /
State Code 03 Reference No.

RTO Location AMRITSAR

Zone C

Geographical Area INDIA

No. of Batteries 0

Battery No. 0

Cost of Battery 0

No. of Charger 0

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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Public Carrier / A1 GCV Public carriers

Private Carrier other than 3 wheelers

Insured Declared Value (IDV) ₹:

Non
Electrical/ Bi-
Vehicle Chassis Electrical Trailer
Body IDV Electronic Fuel/CNG Total IDV
IDV IDV Accessories IDV
Accessories /LPG Kit
IDV

300000 0 300000 0 0 0 0 300000

Schedule of Premium

Section - I Own Damage Premium Details (A): Section - II Liability Premium Details (B):
(Coverage for damage, theft, or loss to your own (Provides coverage for third-party damages,
vehicle) including injury or death of a third party or
damage to third-party property resulting from
your vehicle use.)

Own Damage Premium on Vehicle and Third-Party Premium

Accessories
Basic TP premium ₹ 16049.00
Basic OD Premium ₹ 1062.00
Legal Liability
Loadings under Own Damage Section
Add: Legal liability to paid driver - ₹ 100.00
Add: Cover for lamps, tyres/tubes ₹ 159.30 IMT 28 Number of persons:2
mudguards/Bonnet/side parts-IMT
23 TOTAL LIABILITY PREMIUM ₹16149.00

Discounts under Own Damage Section Net Basic Liability Premium (B) ₹16049.00

Less: No claim bonus (50%) ₹ 610.65 GST on Basic Liability Premium :

Total Own Damage Premium (A) ₹ 610.65 SGST@6% ₹ 963.00

Section - I Add on Covers CGST@6% ₹ 963.00

Add: Repair of glass, plastic, fibre ₹ 0 Net Other Liability Premium (D) ₹ 100.00
and Rubber (TA 06) GST on other liability cover :
Total Add on Premium (C) ₹ 0 SGST@9% ₹ 9.00
Net Own damage Premium (A+C) ₹ 610.65 CGST@9% ₹ 9.00
GST on own damage section Net Premium (A+B+C+D) ₹16760.00

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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SGST@9% ₹ 55.00 SGST ₹ 1027.00

CGST@9% ₹ 55.00 CGST ₹ 1027.00

Total Policy Premium ₹ 18814

Drivers Clause: Persons or Classes of Persons Entitled to Drive: Stage Carriage / Contract Carriage /
Private Service Vehicle Any person including insured: Provided that a person driving holds an effective
driving license at the time of the accident and is not disqualified from holding or obtaining such a
license. Provided also that the person holding an effective Learner's license may also drive the vehicle
when not used for the transport of passengers at the time of the accident and that such a person
satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.

Goods Carriage: Any person including insured: Provided that a person driving holds an effective driving
license at the time of the accident and is not disqualified from holding or obtaining such a license.
Provided also that the person holding an effective Learner's License may also drive the vehicle when not
used for the transport of goods at the time of the accident and that such a person satisfies the
requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.

Non-Transport Vehicles: Any person including insured: Provided that a person driving holds an
effective driving license at the time of the accident and is not disqualified from holding or obtaining such
a license. Provided also that the person holding an effective Learner's license may also drive the vehicle
and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.

Limitations as to Use: The Policy covers use only under a permit within the meaning of the Motor
Vehicle Act 1988 or such a carriage falling under Sub-Section (3) of Section 66 of the Motor Vehicle's Act
1988. The Policy does not cover use for a) Organised Racing b) Pace Making c) Reliability Trials d) Speed
Testing e) Use whilst drawing a trailer except the towing (other than for reward) of any one disabled
mechanically propelled vehicle.

Warranty for Goods Carrying Vehicles: Warranted that at no time the Gross Laden Weight of the
vehicle exceeds the Gross Vehicle weight mentioned in the Schedule of the policy.

Limits of Liability:

Under Such amount as is Under ₹ 7,50,000 Under

Section II- 1 necessary to meet Section II - 1 Section IV :
(i) of policy the requirements (ii) of policy
(Death of or of the Motor (Third Party
Bodily Vehicles Act, 1988. Property
Injury) Damage)

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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PUC & Fitness Certificate: Warranted that the insured named herein/owner of the vehicle holds a valid
Pollution Under Control (PUC) Certificate and/or valid Fitness certificate, as applicable, on the date of
commencement of the Policy and undertakes to renew and maintain a valid and effective PUC and/or
fitness Certificate, as applicable, during the subsistence of the Policy. Further, the company reserves the
right to take appropriate action in case of any discrepancy in the PUC or fitness certificate.

Deductible Compulsory Deductible: ₹ 500.00 No Claim The insured is entitled for a No

Under Imposed Excess: ₹ 0.00 Bonus Claim Bonus (NCB) on the own
Section I Franchisee: ₹ 0.00 damage section of the Policy, if no
claim is made or pending during
the preceding year(s), as follows:
The preceding year 20%,
preceding two consecutive years
25%, preceding three consecutive
years 35%, preceding four
consecutive years 45%, preceding
five consecutive years 50% of NCB
on OD Premium. NCB will only be
allowed provided the Policy is
renewed within 90 days of the
expiry date of the previous Policy.

Subject to: A) IMT Endorsement Number: IMT 23, IMT 28,

B) TATA AIG Auto Secure EndorsementNumber (TA): TA 06,

Nomination Details:

Name of the Nominee Relationship with Name of Appointee (If Relationship with
Insured nominee is minor) Nominee

NA NA NA NA

We hereby certify that the Policy to which this Certificate relates as well as the Certificate of Insurance
are issued in accordance with the provisions of Chapter XI of the Motor Vehicles Act, 2019.
Consolidated Stamp Duty has been paid to the State Exchequer.
Policy Number: 6302691984 00 00 | GSTIN: 03AABCT3518Q1Z6
Service Account Code: 997134

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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For TATA AIG General Insurance Company Limited

docit-digital-sign
Digitally Signed by: Shammi Kapoor
Date: 02/02/2025
Location: Mumbai

Authorized Signatory

Important Notice:
The 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'.
This Policy does not cover pre-existing damages as per Inspection photographs and Report.

Note: You are advised to go through the Policy Schedule cum Certificate of Insurance which is issued
based on information and declaration provided by you. Transcript of Information & Declaration is also
provided herewith to enable you to go through the same again and if any error/discrepancy is found in
respect of vehicle details, No Claim Bonus or any other information provided by you, it should be
brought to our notice within 15 days of receipt of this Policy for necessary correction along with the
supporting documents, otherwise it will be deemed to be correct. You may visit the company website at
www.tataaig.com for detailed benefits, terms & conditions and exclusions of the policy issued and held
by you. You may also reach us at our 24*7 helpline 1800 266 7780 in case you desire to have a printed
copy of Policy Wording. Our grievance redressal procedure and details about ombudsman are available
at the company website www.tataaig.com. You may also reach us at our 24*7 helpline 1800 266 7780
for grievance redressal procedure and details about ombudsman. Please note that any established fraud
of the insured will lead to cancellation of Policy ab initio with forfeiture of premium and non-
consideration of claim, if any. We will specifically seek confirmation on No Claim Bonus availed by you
from your previous insurer. In case we receive confirmation that you had lodged claim with them then
we will intimate you to pay the No claim Bonus Amount within 20 days. In case we don’t receive the No
Claim Bonus recovery then it will be adjusted against claim amount payable to you if any. This Schedule,
Policy terms and conditions available on the company website and Endorsements mentioned herein
above shall read together and word or expression to which a specific meaning has been attached to/in
any part of this Policy or of the Schedule shall bear the same meaning wherever it may appear. Any
amendments/modifications/alterations made on this system generated policy document is not valid and
the Company shall not be liable for any liability whatsoever arising from such changes unless written
request is made to the Company and the Company accepts the requested
amendments/modifications/alterations and records the same through separate endorsement.
Please carefully read the Customer Information Sheet (CIS) attached to your Policy.

Policy Servicing Office: UNIT NO - FF-5 ,1ST FLOOR, THE MALL COMPLEX SUTHERI ROAD,
HOSHIARPUR,PUNJAB , HOSHIARPUR , PUNJAB , 146001

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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Receipt

Receipt No. PD300012697128 Receipt 02/02/2025 Policy No. 6302691984 00 00

Date

Sr. Policy Mode of Payment Total Utilized from the receipt Balance
No. Number Premium (₹) for policy (₹) (₹)

1. 6302691984 paymentLinkCustomer 18814 18814 0.00

00 00

Payer Name: DHAN DHAN GURU RAMDAS SAHIB JI

Notes:
1. This is a computer-generated receipt and does not require a signature.
2. Upon issuance of this receipt, all previously issued temporary receipts, if any, related to this Policy
shall be considered null and void.
3. Amounts received by cheque shall be subject to realization.
4. Any amount received in excess of the Premium is being/shall be refunded by the Company.

GSTIN: 03AABCT3518Q1Z6-PUNJAB Service Accounting Code: 997134

Revenue (consolidated) Stamp Duty duly paid vide Challan No. date for applicable cases.
Issuance of this receipt does not amount to acceptance of the risk by TATA AIG General Insurance
Company Limited. The Insurance cover for the risk shall be as per the terms conditions of the Insurance
Policy if and when issued.

Grievance Redressal Procedure: As per Chapter 7 of the IRDAI (Protection of Policyholders’ Interests,
Operations and Allied Matters of Insurers) Regulations, 2024.

UIN Numbers: Repair of Glass, Fibre, Plastic & Rubber - UIN :

IRDAN108RP0003V02200001/A0013V01201213 (TA 06).

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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Transcript Of Proposal

1. Name (Registered Owner of the Motor Vehicle)*: DHAN DHAN GURU RAMDASS SAHIB JI
2. Address for Communication*: LANGAR SEWA SOCIETY 139 GALI NO 4 SULTANWIND ROAD,
DAIRYGOBINDNAGARAmritsarPunjab, 143001, AMRITSAR, PUNJAB, INDIA
3. Vehicle Details:
Registration number: PB02DR5108 Make/Model/Body type/Segment: Mfg Year: 2018
MAHINDRA/BOLERO/MAXI TRUCK
2WD/OPEN/PICK UP VAN
Engine/ Motor Number: TBJ4G55489 Chassis Number: MA1ZP2TBKJ2G54921 CC/KW: 2523
Licensed Carrying Capacity Including No. of Batteries: 0 Battery No.: 0
Driver: 2
Cost of Battery: 0 No. of Charger: 0 GVW: 2670
Vehicle purchased on dated: 2018-11-12
Is battery provided by manufacturer(YES/NO): No
Is battery a part of Ex-showroom price of the vehicle: No
4. Fuel Type: DIESEL
5. Nature of goods carried (Hazardous/Non-Hazardous goods.):
6. Insured’s Declared Value: 300000
7. Previous Insurance Particulars*:
Policy Number*: 01629206920200 NCB Claimed: NA Date of Expiry*: 02/02/2025
Name of the Insurer*: TAGIC NCB in previous Policy: 45
Accident in the previous Policy period: NA Type of Cover: Package (1 year OD + 1 Year TP)
8. Policy Period desired from*: 03/02/2025 to Midnight of 02/02/2026
9. CPA Declaration Opted (Y/N) & Reason for not opting: No, None
10. Financier’s Details: NA
11. Extra Benefits opted:
Cover Taken for Wider Legal Liability to Paid Driver (Y/N): Yes & Count of Person (2)
Liability to Employees Travelling/Driving the Vehicle (Other than Paid Driver) - No
Wider Legal Liability to Paid Driver (As per Workmen’s Compensation Act, Fatal Accident Act & Common
Law): 2
Legal Liability to Non-fare Paying Passengers other than Statutory Liability Except the Fatal Accidents
Act): NA
Compulsory PA cover for Owner Driver: ₹ NA Term: NA Years
Name of the Nominee & Age: NA, NA Relationship: NA
Name of Appointee (If Nominee is Minor): NA Relationship to the Nominee: NA
12. Restriction of Cover/Discounts/Concessions/Extended Covers:
Third-Party Property Damage Cover Restricted to 6,000 only: NO
Vehicle is Fitted with Anti-Theft Device Approved by ARAI: NO
13. Add on Covers: Repair of glass, plastic, fibre and Rubber

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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14. Bank Details (Required for Refund / Claims): Name of the Account Holder:
Name of Bank & Branch: Account No.: IFSC Code of Bank:
15. Declaration for No Claim Bonus: (If NCB Confirmation is not submitted but NCB claimed)
I/We declare that the rate of NCB claimed by me/us is correct and that NO CLAIM has arisen in the
expiring Policy Period (Copy of Policy enclosed). I/We further undertake that if this declaration is found
incorrect all benefits under the Policy in respect of Section 1 of the Policy will stand forfeited.
16. I hereby give my consent to receive one page Insurance Policy.
17. AML Guidelines: 1. I/we hereby confirm that all premiums paid/payable in future will be from bonafide
sources and not paid out of proceeds of crime and that such premiums are not disproportionate to
my/our income. I/we understand that the Company has the right to call for documents to establish
sources of funds and to cancel the insurance policy in case I/we are found guilty by any competent
court of law under any of the statutes, directly or indirectly governing the prevention of money
laundering law in India.
2. I/we are not Politically Exposed Persons* nor are their close relatives / family members / associates.
I/we shall keep the company informed if we subsequently become a Politically Exposed Person / close
relative / family member / associate of Politically Exposed Persons. “Politically Exposed Persons” shall
have the meaning assigned to it under Prevention of Money-Laundering (Maintenance of Records)
Amendment Rules, 2023 as amended from time to time.
Disclaimer : Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms & conditions, please refer sales brochure/policy wordings on
www.tataaig.com carefully, before concluding a sale. Add On covers can only be purchased with the base product and on payment of an additional premium. The trade logo displayed above
belongs to Tata Sons Private Limited and AIG and is used by TATA AIG General Insurance Company Limited under License.

Registered office : Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India.
24*7 Toll Free No.: 1800 266 7780 • Email: [email protected] • Website: www.tataaig.com
IRDA of India Registration No: 108 • CIN: U85110MH2000PLC128425
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying Vehicle - UIN: IRDAN108RPMT0050V03201819

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