Policy No.: 0100682653 00 Mr.

NILESH UMAKANT KHOBRAGADE Dadmahal Ward Near Balaji Deo School Chandrapur CHANDRAPUR, 442401 MAHARASHTRA Phone :

Date: 08/12/2012 Client Id: 6402460

Dear Mr. NILESH UMAKANT KHOBRAGADE, Thank you for choosing the Tata AIG AutoSecure car insurance policy. Your Policy No. is 0100682653 00. The coverage that you have opted for is Private Car Insurance. You are now our priority customer and will see this reflected in every aspect of our service. Enjoy the zip through AutoSecure Green Channel* experience. At Tata AIG, our pioneering spirit has resulted in a number of firsts - each designed to make your car insurance experience a smoother one. These customer-friendly initiatives, collectively called the AutoSecure Green Channel, provide you with the highest standard of service, convenience and quality in car insurance. The Green Channel experience offers you advantages like: free pick-up of car (within city limits); no garage estimate; easydocumentation; repairs carried out at quality AutoRestore garages; free detail and cleaning of car after repairs;no submission of, or deduction towards salvage (in partial losses); and a Direct Settlement facility (except depreciation & excess).Just what you need, if you ever have an accident. Plus the assurance of AutoRestore Accident Repairs Warranty* - a first of its kind. As an AutoSecure car insurance policyholder, you can avail of the services of preferred AutoRestore Garages in select cities across the country. Each AutoRestore Garage is a one-stop solution for accident-related repairs. These garages offer AutoSecure car insurance policyholders a unique AutoRestore Accident Repair Warranty, which covers the following: Use of quality parts; sound repair practices; quality of accident-related body and paint work for six months from the date of repairs; and quality of accident-related mechanical work for three months from the date of repairs This service is the first of its kind in car insurance. Whats more, AutoRestore Garages are located across the country, so you will always find one close to you. In the unfortunate event of an accident, be sure to call our 24 x7 Toll Free Customer Service Helpline and opt for the Green Channel, to enjoy a hassle-free claims settlement experience. Once again, we thank you for choosing to insure your car with Tata AIG. We look forward to providing you with a wider range of benefits in the years to come. Yours sincerely,

Atri Chakraborty National Head - Operations & Systems

*Conditions apply.

<A - 1>

Tata AIG General Insurance Company Ltd.

Date: 08/12/2012

M/s. MAHINDRA & MAHINDRA FINANCE , SERVICES LTD

Dear Sir, Sub: Financiers copy of Motor Vehicle Insurance Policy of Mr.NILESH UMAKANT KHOBRAGADE Welcome to Tata AIG General Insurance Company Ltd. Enclosed with this letter do find your copy of the motor vehicle insurance policy, numbered 0100682653 00 of the hypothecated vehicle of Mr. NILESH UMAKANT KHOBRAGADE, your client.The registration number, engine number and chassis number of the said Vehicle SKODA, RAPID AMBITION 1.6 TDI CR (Vehicle make and model) is as below: Engine number : 12775 Chassis number : 26543 Registration number: N.A. In case you require any further clarifications please do contact us at 1 800 119966. It is always our pleasure to be of service to you.

With Warm Regards, Yours Truly,

Atri Chakraborty National Head - Operations & Systems

(Regd Office: Peninsula Corporate Park, Nicholas Piramal Tower, 9th Floor, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013) for more information call the Tata AIG Toll-free Helpline at 1-800-119966

FL01

Financier Copy

Page 1 of 1

Tata AIG General Insurance Company Ltd.

ENDORSEMENT Endorsement No:
0

Effective Date: 12/11/2012

0100682653 00

Expiry Date: 11/11/2013

Attached to and forming part of Policy No.

TA01 -Depreciation Re-imbursement This coverage is applicable if it is shown on Your schedule. We will pay You the amount of depreciation deducted on the value of parts replaced for own damage claim lodged under section 1 of the policy, provided -Vehicle is not more than 3 years old from the date of purchase or date of registration, whichever is earlier at the start of period of insurance. -There are not more than 2 claims during the period of insurance -Vehicle is repaired at any of our Authorised Garage.

TA08 - Repair of Glass, Fiber, Plastic & Rubber Parts A claim for only Glass / plastic / rubber / fiber part where You opt for repairs rather than replacement, at Our authorized workshop, will not affect Your No Claim Bonus eligibility at the time of renewal with Us if there is no other claims for damage to the vehicle during the currency of the policy.

TA09 - Loss of personal belongings This coverage is applicable if it is shown on Your schedule. We will pay for the loss or damage to Your and Your Family member's personal belongings caused by perils mentioned under section 1 of the policy while they are in the vehicle at the time of loss or damage to the vehicle. Personal belongings for the purpose of this section means items such as clothes and other articles of personal nature likely to be worn, used or carried and includes audio/video tapes, CDs but excludes money, securities, cheques, bank drafts, credit or debit cards, jewellery, lens, glasses, travel tickets, watches, valuables, manuscripts, paintings and items of similar nature. Any goods or samples carried in connection with any trade or business is not covered. A police report must be filed for claims due to burglary, house-breaking or theft. The maximum amount payable under this section is Rs 10000* during the period of insurance. Any claim under this section will be admissible only when there is a valid and admissible claim in respect of the vehicle arising out of the same Accident. The insured will bear first Rs.250 of each and every claim under this section.

TOLLFREE HELP LINE: 1 800 119966 (Regd Office: Peninsula Corporate Park, Nicholas Piramal Tower, 9th Floor, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013)

PLEN

Branch: 08

Insured Copy

Page 1 of 4

Tata AIG General Insurance Company Ltd.

ENDORSEMENT Endorsement No:
0

Effective Date: 12/11/2012

0100682653 00

Expiry Date: 11/11/2013

Attached to and forming part of Policy No.

TA10 - Emergency transport and hotel expenses This coverage is applicable if it is shown on Your schedule. We will pay towards the cost of overnight stay, if absolutely necessary and taxi charges for returning back to Your place of residence or the nearest city You are traveling to if Your motor vehicle has met with an accident by any of the peril mentioned under section 1 of the policy and can not be driven. We will pay maximum Rs 5000* for any one accident and Rs 10000* during the period of insurance. Documentary proof of expenditure must be submitted for any claim under this section. Any claim under this section will be admissible only when there is a valid and admissible claim in respect of the vehicle arising out of the same accident.

TOLLFREE HELP LINE: 1 800 119966 (Regd Office: Peninsula Corporate Park, Nicholas Piramal Tower, 9th Floor, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013)

PLEN

Branch: 08

Insured Copy

Page 2 of 4

Tata AIG General Insurance Company Ltd.

ENDORSEMENT Endorsement No:
0

Effective Date: 12/11/2012

0100682653 00

Expiry Date: 11/11/2013

Attached to and forming part of Policy No.

TA15. Key Replacement I. What We Cover

1. Key Replacement - We will reimburse You for the cost of replacing Your vehicle keys which are Lost or Stolen. The covered cost is limited to the money You paid to a locksmith to produce a new key. 2. Break-in Protection - We will reimburse You for the cost of replacing Your locks and keys if Your vehicle is broken into. The covered costs include the labor cost for replacing the lock. 3. Lock Out Reimbursement - We will reimburse You for the cost of obtaining a locksmith if You are locked out of Your vehicle due to the loss or theft of Your keys. I. Coverage Exclusions

We will not pay for: 1. 2. costs other than those listed in the "What We Cover" section; The cost to replace keys to vehicles that You do not own for personal use;

II. Coverage Conditions For Break-in protection claims, You must provide an official police report that indicates the incident happened within the covered time frame in order for Us to pay the claim unless You are legally incapable of doing so. III. Duties After An Accident or Loss In the event of a covered loss: 1. You shall call Us at 1800119966 or provide written intimation within 24 hrs. of discovering the loss to make a claim and obtain the proper forms and instructions; 2. You shall file a police report within 24 hours of discovering a covered incident. 3. You shall fill out and return any claims forms and accompanying documents including police reports (where necessary), receipts for replacing locks and/or keys, and any other documents We may ask You to provide; 4. The claims form and accompanying documents must be returned to Us within 3 days of making the original claim.

TOLLFREE HELP LINE: 1 800 119966 (Regd Office: Peninsula Corporate Park, Nicholas Piramal Tower, 9th Floor, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013)

PLEN

Branch: 08

Insured Copy

Page 3 of 4

Tata AIG General Insurance Company Ltd.

ENDORSEMENT Endorsement No:
0

Effective Date: 12/11/2012

0100682653 00

Expiry Date: 11/11/2013

Attached to and forming part of Policy No.

Definitions: 1. We, Us, Our, Ourselves means the Tata AIG General Insurance Co. Ltd.

2. You, Your, Yourself - Means or refers to the person or persons described in the Schedule as the insured. 3. Constructive Total Loss - A vehicle will be considered to be a Constructive Total Loss (CTL), where the aggregate cost of retrieval and / or repair of the vehicle subject to terms and conditions of the policy exceed 75% of the Sum Insured. 4. Hospital / Nursing Home - Any institution established for indoor care and treatment of sickness and injuries and registered with local authorities and is under the supervision of a licensed and qualified medical practioner. 5. Ambulance - A self-propelled motor vehicle specifically designed to transport critically sick or injured people to a medical facility. 6. 7. Medical Practioner - A person licensed to practice medicine. Courtesy/Hire car - A vehicle provided to the insured by the hire car company.

8. Hire car Company - Company which is engaged in car hiring business and has provided vehicle to the insured as per their terms and conditions. 9. Authorized garage - A motor vehicle repair garage authorised by us.

10. Daily Allowance - Fixed amount to be paid for the purpose of meeting the cost of hired transport. 11. Family - You, Your spouse, Your children, Your parents and any other person residing with you without paying a commercial rent.

TOLLFREE HELP LINE: 1 800 119966 (Regd Office: Peninsula Corporate Park, Nicholas Piramal Tower, 9th Floor, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013)

PLEN

Branch: 08

Insured Copy

Page 4 of 4

Tata AIG General Insurance Company Ltd.

Date: 08/12/2012 Mr. NILESH UMAKANT KHOBRAGADE Dadmahal Ward Near Balaji Deo Chandrapur CHANDRAPUR, 442401 MAHARASHTRA

Dear Mr. NILESH UMAKANT KHOBRAGADE, Sub:Requirement for Registration Number of your CR This is with reference to your Policy, Numbered 0100682653 00 which has been issued without the registration Number. Please be kind enough to provide us with the registration Number of your vehicle as soon as possible as this will help us in servicing your requirements in an efficient manner. The engine and chassis Number of your Vehicle is as below: Engine Number : Chassis Number : 12775 26543 SKODA RAPID AMBITION 1.6 TDI

Please notify your registration number to us immediately. Or alternatively you could email us at customersupport@tata-aig.com .

This is a system generated letter and does not require a signature.

TOLLFREE HELP LINE: 1 800 119966 (Regd Office : Peninsula Corporate Park, Nicholas Piramal Tower, 9th Floor, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013)

Tata AIG General Insurance Company Ltd.

Certificate of Insurance and Policy Schedule Form 51 of the Central Motor Vehicle Rules, 1989

Agent/Broker Name - AMIT KAMALKOTHARI Agent/Broker License Code - 8568606 : Agent/Broker:Contact No - 9325299195 (mobile or landline)
Certificate & Policy No. Date of Expiry Place of Registration 0100682653 00 Effective time and date of commencement of Insurance Midnight on 11/11/2013 CHANDRAPUR Name and address of the Insured NILESH UMAKANT KHOBRAGADE Name: Address : Dadmahal Ward Near Balaji Deo School Chandrapur CHANDRAPUR, 442401 MAHARASHTRA Policy Type Premium (incl.S.Tax) AutoSecure Package Policy From 13:15 Hours on 12/11/2012 Rs. 30957.00 Insured's Business/Profession OTHER Geographical Area INDIA Under Hire Purchase/Hypothecation/Lease with MAHINDRA & MAHINDRA FINANCE SERVICES LTD

Registration No.
N.A.

Make & Model

SKODA RAPID AMBITION 1.6 T

Body Type
SALOON

Mfg. Year
2012

CC
1589

Seating Capacity
5

Engine No.
12775

Chassis No.
26543

IDV of vehicle(Rs.) IDV of Side Car(Rs.) Bi-Fuel/CNG/LPG Kit(Rs.)

9,08,924 0 0 Rs. 21,268.82

IDV of non-built-in Accessories(Rs.) Electrical Non-Electrial

0 0

Total Insured Declared Value (Rs.)

9,08,924 Rs. 2,853.00 250.00 50.00 100.00 3,253.00

SCHEDULE OF PREMIUM Premium on Vehicle and non electrical accessories Basic A. TOTAL OWN DAMAGE PREMIUM (rounded off) Rs. 21,269.00 Add:Depreciation reimbursement (TA01) Add:Loss of personal belonging (TA09) Add:Emergency transport and hotel expenses (TA10) Rs. Rs. Rs. 2,544.99 110.00 110.00 265.00 3,030.00 Add:PA benefits as per Endt.IMT 16 No. of Passengers Rs. : 5 Capital benefits Rs. 100000.00 Add:Legal Liability to paid driver as per Endt. IMT 28 Add: Compulsory PA Cover for Owner-Driver Rs.2,00,000 B. TOTAL LIABILITY PREMIUM COMPREHENSIVE PREMIUM(A+B+C) NET PREMIUM Add : 12.36% Service Tax TOTAL PREMIUM Rs. Rs. Rs.

Add:Key Replacement (Sum Insured (SI) Rs. 25000.00 Rs. per occurrence limit % of SI) (TA15) C. TOTAL ADD ON PREMIUM Rs.

Rs. 27,552.00 Rs. 27,552.00 Rs. 3,405.00 Rs. 30,957.00

TOLLFREE HELP LINE: 1 800 119966 (Regd Office: Peninsula Corporate Park, Nicholas Piramal Tower, 9th Floor, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013) DA27 08 Insured Copy Page 1

of 2

Drivers Clause : Persons or classes of persons entitled to drive :

Any person including the insured: Provided that a person driving holds an effective driving licence at the time of the 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 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 of the vehicle for any purpose other than : a) Hire or Reward b) Carriage of goods (other than samples or personal luggage) c) Organised racing d) Pace Making e) Speed testing f) Reliability Trials g) Any purpose in connection with Motor Trade.

Limits of Liability:
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 Vehicles Act, 1988. Under Section II-1 (ii) of the policy (Damage to Third Party Property ) : Rs. 7,50,000/P.A. Cover for Owner - Driver under Section III: CSI : Rs. 2,00,000/Deductible under Section - I : Rs. 2,000/Compulsory Deductible : Rs. 2,000/Voluntary Deductible : Rs. /Imposed Excess : Rs. /-

Subject to
A. Indian Motor Tariff Endorsement No. (IMT) 07,16,22,28

b.TATA AIG Auto Secure endorsement No.TA01, 08 , 09 , 10 , 15

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 XI of Motor Vehicles Act, 1988. In witness whereof this Policy has been signed at Mumbai on 08/12/2012. Receipt(s): APN02993311 The stamp duty of Rs.0.50/- paid in cash or demand draft or by pay order,vide Receipt/Challan no: MH0002638952dated the 27/11/2012 IMPORTANT NOTICE

For Tata AIG General Insurance Company Ltd.

Atri Chakraborty National Head - Operations & Systems

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". Note: This Schedule, the attached Policy and Endorsements mentioned herein above shall read together and 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. Any amendments/modifications/ alterations made on this system generated policy document is not valid and Company shall not be liable for any liability whatsoever arising from such changes. Any changes required to be made in the policy once issued, would be valid and effective, only after written request is made to the Company and Company accepts the requested amendments/modifications/alterations and records the same through separate endorsement to be issued by the Company.

TOLLFREE HELP LINE: 1 800 119966 (Regd Office: Peninsula Corporate Park, Nicholas Piramal Tower, 9th Floor, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013) DA27 Page 2 of 2