Dear MR.

LOKESH KUSHWAH ,
Greetings from Aditya Birla Capital!

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 & option to choose the
add on covers made available to suit your needs. The unique features of your comprehensive Ashok Leyland Insurance Program are:

1. Cashless repairs across all Ashok Leyland Dealerships ʹPan India!

2. Fast and hassle-free claim settlements!
3. Depreciation Cover (if opted)

What͛s more, this package policy is recognized by Ashok Leyland 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 journeys ahead!

Sincerely,

Aditya Birla Insurance Brokers Limited

 Cholamandalam MS General Insurance Co. Ltd.
Goods Carrying Vehicle - PACKAGE POLICY - Certificate Cum Policy Schedule Cum Receipt
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989)
Policy No 3392/30029266 Proposal No. & Date P6408877, 06 Apr 2019
Policy Issued On 06 Apr 2019 11:14AM Period of Insurance 06 Apr 2019 11:14AM to 05 Apr 2020 11:59PM (Midnight)
Insured Name MR. LOKESH KUSHWAH Previous Policy No. NA
Insured Add. NAAV GHAT MOHALLA WARD NO.-02 SANGOD, Previous Insurer NA
KOTA , RAJASTHAN-325601 ,GSTIN No:N/A
Nominee Name RAMESH CHAND Age 56 Relation FATHER
Servicing Office of Insurer: 2nd Floor, E-52, Chitranjan Marg, C-Scheme, Jaipur-302001, , , JAIPUR , RAJASTHAN-303108, (State Code-08)

PAN: AABCC6633K GSTIN : 08AABCC6633K7ZD

Make Model Variant Cubic Capacity/GVW Manufacturing Year Seating capacity
ASHOK LEYLAND DOST LS BS 4 2500 2018 2
Vehicle Type Vehicle Sub Class Carrier Type Fuel Type Engine No. Chassis No.
GOODS CARRYING CLOSE PUBLIC DIESEL EJH024846P MB1AA22E8JRD09715
Elec. Accessories Non-Elec. Accessories CNG/LPG Kit RTO Registration Date Reg No.
0 0 0 KOTA New
RMC S.No. Hypothecation/Lease* IDV of Chassis IDV of Body/RMC Trailer Total IDV
Yes 643150 0 0 643150
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A) Liability Premium (B)
Basic Premium Basic Third Party Liability 14,390
Vehicle 5,551 Third Party Liability For Bi-Fuel Kit 0
Trailer (IMT - 30) 0 Compulsory PA Cover For Owner Driver Of Rs. 15 Lakh 750
Legal liability to Driver (1) / Cleaner (0) / Helper (0) / Conductor (0)
Non-Elec. Accessories (IMT-24) 0
(IMT - 28)
50

Elec. Accessories (IMT-24) 0 PA Cover For Persons other than Owner Driver 60
CNG/LPG Kit (IMT - 25) 0 IMT - 34 TP 0
Sub Total (Basic Premium) 5,551 Non Fare Paying Passenger (0) 0
Geographical Area Extension (IMT-1) 0 Geographical Areas Extention 0
IMT - 23 833 Trailer IMT 30 0
IMT - 34 0 Net Liability Premium (B) 15250
Total Premium (A+B) 24,529
OD SGST (9.00%) 913
OD CGST (9.00%) 913
Add On (NIL DEPRECIATION) 2895 TP SGST (6.00%) 864
TP CGST (6.00%) 864

Total Add On 2895 Gross Premium Paid 28,083

Sub Total-Addition 9,279 Note: 1.Policy issuance is subject to realization of cheque
Deductibles Consolidated stamp duty paid to state exchequer
No Claim Bonus (0%) 0 3.The policy is subject to compulsory deductible of Rs.500 (IMT-21)
Sub Total (Deductibles) 0 4.Geographical Area-India
Net Own Damage Premium (A) 9,279 *Subject to IMT Endt. Nos.& Memorandum:7,17,23,28
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.
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 Vehicle 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 Vehicles Act, 1988. Under Section II -1(ii)
of the Policy - Damage to Third Party Property ±Rs.750,000 - In respect of any one claim or series of claims arising out of one event. Personal Accident cover for Owner - Driver under section IV: Capital
Sum Insured (CSI) - 1500000.0/-.
Grievance Clause: For resolution of any query or grievance, Insured may contact the respective branch office of the company or may call at18002005544 or may write an email at (). In case the insured
is not satisfied with the response of the office, insured may contact the Grievance Officer of the Company at ().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:, or on the website of General Insurance
Council: or on the company website (www.cholainsurance.com). The Policy wording is available on request at free of cost. The Same can be downloaded from our Website (www.cholainsurance.com).
HP/Lease/Hire Pur. Agreement with: HINDUJA LEYLAND FINANCE LTD , - KOTA
MISP Code: AB-MAL000162, MISP Name: HARMEET MOTOR COMPANY,DP Name: JASKARAN SINGH ANAND, DP Code: -

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 No: 997134 Description of service : Motor Insurance Place of supply: RAJASTHAN(State Code-08)
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 Cholamandalam MS 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 : , Payment Mode : Dealer¶s Cheque/ DD
For Renewal - please contact Insurance.Co./ Broker through : HARMEET MOTOR COMPANY KOTA at 091-91166322
As a responsible broker, we take a complete systematic approach to ensure that
the motor insurance opted by you meets their requirements and triggers the best
way at the time of need.
Policy Cover
- Loss or damage to your vehicle or the accessories due to:
IDV for the vehicle of age exceeding 5 years would be determined mutually by insurer
and insured.
Schedule of depreciation for fixing IDV of the vehicle
- 50% for all rubber/nylon/plastic parts, tyres, tubes, batteries and air bags
- 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.

Man-made Calamities:
- Burglary, theft, riot, strike, malicious act, accident by external means, terrorist
activity, any damage in transit by road, rail, inland waterway, lift, elevator or air,
etc.
In the case of a consolidated bill for painting charges, the material component shall be
considered as 25% of total painting charges for the purpose of applying the
depreciation.(Applicable for policies with risk inception date on or after 1st February
2013).
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
- Legal Liability due to accidental damage for any permanent injury/death of a
Not exceeding 6 months Nil
person
- Any damage caused to the property Exceeding 6 months but not exceeding 1
5%
year
Exceeding 1 year but not exceeding 2
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
experience Exceeding 10 years 50%

- Discount for installation of approved anti-theft devices Add On Cover

- Depreciation is applicable Depreciation Cover - If opted, the benefits and exclusions applicable as per insurance
for the parts needing replacement in accident company's rules & regulations.
- No depreciation charges to the customer if the vehicle is repaired at authorized
What is not covered in the Policy? garages
- Mechanical/Electrical breakdown, manufacturing defect Nil depreciation on metal parts
- Consequential loss, depreciation, wear & tear Nil depreciations on plastic parts (other insurance companies plastic parts attracts
- Any contractual liability 50% depreciation)
- Intoxicated driving - This cover is available only at time of purchase & cannot be incorporated in the
- Deliberate accidental loss middle of the year
- Damages due to nuclear weapons material or war - In the event of complete loss of the insured vehicle (Constructive Total Loss or
- Accidents outside the Geographical Area Total Loss), no payment shall be made under this add-on.
- Policy Excess - For any claim to become payable under this cover, it should be admitted under
Section I ʹ"Loss or damage to the vehicle insured" of motor comprehensive policy
Schedule of Depreciation - Normal wear and tear not included in this cover.
Schedule of depreciation for fixing IDV of the vehicle - Premium rate depends on vehicle model, territory & age of vehicle

Extra Towing Charge Reimbursement: If opted, the cost of extraction and/or towing
Age of the vehicle % of Depreciation
the vehicle to the nearest Ashok Leyland dealership is reimbursed up to Rs.22,500/-.

Not exceeding 6 months 5% For any claim to be payable under this cover, it should be admitted under Section I ʹ

Exceeding 6 months but not exceeding ͞Loss or damage to the vehicle insured ͞of motor comprehensive policy.
15%
1 year
Exceeding 1 year but not exceeding 2 EMI Protector: If opted, the repair of the accident vehicle takes more than 30 days, 1
20%
years EMI will be payable and if the repair takes more than 60 days, 2 EMIs are
Exceeding 2 years but not exceeding 3 payable under this cover. The EMI will be paid directly to the financier who has a lien
30%
years over the policy and will be paid after the repairs have been completed.
Exceeding 3 years but not exceeding 4 This will not include any penalties, charges, fees levied by the financier. For any claim to
40%
years be payable under this cover, it should be admitted under
Exceeding 4 years but not exceeding 5 Section I ʹ͞Loss or damage to the vehicle insured͞of motor comprehensive policy.
50%
years
Note: If Add-on covers have been opted for in the policy, a maximum of two claims will
be processed for benefits accruing out of the add-on covers. Subsequent claims in the
policy period will be processed as per the normal insurance covers without the add-on
benefits.