LIMITATIONS AS TO USE:

FOR GENERAL PURPOSE:

Limitation as to use:
The policy covers use of the vehicle only under a permit within the meaning of the Motor Vehicles Act, 1988 or such a carriage falling under sub-section (3) of Section 66 of the Motor Vehicles Act,1988 and is used for any purpose other than for organized racing, pace making, speed testing, reliability trials and any purpose in cnnection with Motor Trade

FOR AGRICULTURAL & FORESTRY VEHICLES

Use only for agricultural and forestry purposes

The policy does not cover use of the vehicle for hire or reward or for racing, pace making, reliability trial or speed testing or for the carriage of passengers for hire or reward or whilst drawing a greater number of trailers in all than is permitted by law.

FOR AMBULANCES/HEARSES
Use only for ambulance purpose The policy does not cover use of the vehicle for hire or reward or for racing, pace making, reliability trial or speed testing or use whilst drawing a trailer except the towing(other than for reward) of any one of disabled mechanically propelled vehicle.

FOR CINEMA FILM RECORDING & PUBLICITY VANS , DELIVERY TRUCKS, PEDESTRIAN CONTROLLED TROLLEYS AND GOODS CARRYING TRACTORS, VEHICLES USED FOR DRIVING TUITION
Use in connection with the insured's business:

FOR DUMPERS, DUST CARTS, WATER CARTS, ROAD SWEEPERS AND TOWER WAGONS, MECHANICAL NAVIES, SHOVELS, GRABS, EXCAVATORS, MOBILE PLANT, ROAD ROLLERS, SITE CLEARING & LEVELLING PLANT AND TAR SPRAYERS
Use in connection with the insured's business:

FOR FIRE BRIGADE & SALVAGE CORPS VEHICLES

Use for Fire Brigade/Salvage Corps (as applicable) purposes

The policy does not cover use of the vehicle for hire or reward or for racing, pace making, reliability trial or speed testing or or use for carriage of pasengers for hire or reward or use whilst drawing a trailer except the towing(other than for reward)
of any one of disabled mechanically propelled vehicle.

FOR CRANES -BREAKDOWN VEHICLES, MOBILE CRANES AND GOOD CARRYING VEHICLE HAVING A CRANE AS A PART OF OR FIXED TO THE VEHICLE OR TRAILER Use in connection with the insured's business:
The policy does not cover use of the vehicle for hire or reward or for racing, pace making, reliability trial or speed testing or or use for carriage of pasengers for hire or reward or use whilst drawing a greater number of trailers in all than is permitted by law.

FOR MOBILE SHOPS & CANTEENS Use in connection with the insured's business:

The policy does not cover use of the vehicle for hire or reward or for racing, pace making, reliability trial or speed testing or or use for the carriage of pasengers for hire or reward .

1. IMT 47 IS SEGREGATED INTO 47 A & 47 B 2. IMT 47 IS APPLICABLE TO MOBILE UNITS 3. NOTE THAT 47 A & 47 B ARE MUTUALLY EXCLUSIVE 4. UNDER 47 , OVERTURNING IS AN EXCLUSION BUT ON PAYMENT OF ADDITIONAL PREMIUM, OVERTURNING CAN BE INCLUDED ( 47 B CAN THEN BE INVOKED) 5. MOBILE UNITS: IMT 47 (a) Mobile Cranes (b) Mechanical Navies, Shovels, Grabs, Rippers & Excavators Dragline Excavators (d) Mobile Drilling Rigs (e) Mobile Plant NON FINANCIAL ENDORSEMENTS: 6. Agricultural & Forestry vehicles fitted with trailers - IMT 48 7. Trailers with plant permanently attached to mobile plant - IMT 49 8.Cinema Film recordings and publicty vans or trailers fitted as cimema film recording/publicity vans-IMT 50 9.Trailers fitted with as mobile shops & canteens-IMT 51 10. Vehicles used as mobile plant, refrigeration, pre cooling- IMT 52 11. For mechanical navies, shovels, draglines, scoop, grabs, excavators, conveyors- IMT 53

icity vans-IMT 50

MISCELLANEOUS & SPECIAL TYPE OF VEHICLES

Policy No. Manual Policy No.

Certificate cum Schedule No certificate can be issed when discount given for vehicle restriced to insured's own prem Agent No.: Certificate No. Cover Note No. Period Of Insurance on

Insured's Name

Business Occupation Date of Issuance Address Geographical Area on

Pin Code Insured Motor Vehicle Details & Premium Calculation Type of Body Registration Mark & No. Year of Manuf. Make of Vehicle Public/Private carrier

GVW

Registration Authority: Insured's Declared Values (Rs.) Vehicle 0 A. Own Damage (Rs.) Basic OD Premium Basic OD Premium on trailers
Non electrical accessories Electrical accessories

Trailer

Non electrical Acc.

Elec./Elect. Acc.

Bi-Fuel kit

B. Third Party (Rs.) Basic Premium Trailers Bi Fuel Kit (IMT25)

Bi Fuel Kit (IMT 25 ) Total OD (A) Add: Overturning Extention(IMT 47 B) Fibre Glass Total TP (A) Add: LL to passengers Ambulance/Hearses(IMT 46) Geographical Area Extension (IMT 1)

Geographical Area Extension (IMT 1) Hire /Reward( IMT 44)- TO BE PUT DOWN

PA Owner driver (CSI- 2 LACS) PA Paid driver/Cleaner/Conductor (IMT 17) RS 1,00,000/No.of Paid driver/Cleaner/Conductor

LL to Paid Driver/Cleaner (IMT28) No of Paid Driver/Cleaner LL to Non Fare Paying PAX(IMT) Trailers (IMT 30) ***N/A- TO BE REMOVED Less: No Claim Discount No of Non Fare Paying PAX Less: Third Party Property Damage (IMT 20) Limit of Liability Under Section RS 6000/-

Add:
Hire/Reward (IMT 44 )

Add: Hire/Reward (IMT 44) Any other Loading/Discount Total (B) Net (B) Total Premium (A+B) Special Discount Add 5% Service Tax Premium Payable

Any other Loading/Discount Total (A) Net (A)

Under Hire Purchase/Hypothecated/Lease Agreement with Subject to IMT Endorsement Nos.

For IFFCO-TOKIO General Ins

Duly Constitu

Policy No.

0 Certificate No.

0 Vehicle No.

Limitation as to use: The policy covers use of the vehicle only under a permit within the meaning of the Motor Vehicles Act,1988 or such a carriage falling under sub-section (3) of Section 66 of the Motor Vehicles Act,1988 and is used for any purpose other than for organized racing, pace making, speed testing, reliability trials and any purpose in connection with Motor Trade. (SUBJECT TO CHANGES)

Driver Clause: Any person including insured: provided that the person driving holds an effectiv the time of the accident and is not disqualified from holding or obtaining such a also that the person holding an effective learners license may also drive the ve a person satisfies the requirements of Rule 3 of The Central Motor Vehicles Ru

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) a Period of Insurance Percentage of NCB on OD premium The preceding year 20% Preceding two consecutive year 25% Preceding three consecutive year 35% Preceding four consecutive year 45% Preceding five consecutive year 50% No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy Limit of Liability Under Section II-I (i) Such amount as is necessary to meet the requirements of the Motor Vehicles Act

Limit of Liability Under Section II-I (ii) Under Section III Deductible under Section I As per premium computation table PA Owner Driver as per premium computation table For vehicle CC not exceeding 1500cc, Rs.500/-

In the event of dishonour of the Premium cheque, the policy stands automatically cancelled ab-initio.

For IFFCO-TOKIO General Ins

Duly Constitu

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 Compan terms appearing in the certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from the Insured. See the clause headed AVOIDANCE OF CERTAIN OF RECOVERY.

Issuing Office : ITGI

restriced to insured's own premises 0

From:

Hrs Midnight

To:

Engine No. Chassis No.

IDV (in Rs.)

Total Value

Net Premium Rs.

B. Third Party (Rs.)

Printed herein/attached hereto For IFFCO-TOKIO General Insurance Co. Ltd.,

Duly Constituted Attorney(s)

ed that the person driving holds an effective driving license at squalified from holding or obtaining such a license. Provided ive learners license may also drive the vehicle and that such f Rule 3 of The Central Motor Vehicles Rules, 1989. or pending during the preceding year(s) as per the following

he requirements of the Motor Vehicles Act, 1988

mputation table For vehicle CC exceeding 1500cc, Rs.1000/-

For IFFCO-TOKIO General Insurance Co. Ltd.,

Duly Constituted Attorney(s)

edule. Any payment made by the Company by reason of wider use headed AVOIDANCE OF CERTAIN TERMS AND RIGHT

Issuing Office : ITGI ITGI-STRATEGIC BUSINESS UNIT:NOIDA UNIT NO.53-63 MEZZANINE FLOOR ANSALS FORTUNE ARCADE SECTOR 18, NOIDA-201301,DIRECT NO.0120-2488220/21

Two wheeler Package Policy Certificate cum Schedule Policy No. Agent No.: 72487594 Security No. Cover Note No. MR.RAJEEV KUMAR Period Of Insurance DUPLICATE 12000546 54963528 43007732 From: 00:00 on 24-Apr-13 To: on 23-Apr-14 Within India only
Hrs

Insured's Name Business Occupation Date of Issuance Address

Midnight

24-Apr-13

R/O 1/1,CIVIL LINES, HYDLE CLONY RAMPUR GARDEN,BAREILLY BAREILLY U.P.

Geographical Area Pin Code 243001

Motor Vehicle Details & Premium calculation Type of Body Registration Mark & No. Year of Manuf. Make of Vehicle HONDA UP25-AP-0687 Registration Authority:BAREILLY 2011 ACTIVA Insured's Declared Values (Rs.) Vehicle Trailer 33446 0 A. Own Damage (Rs.) Basic OD Premium Basic Trailer OD Premium Non-Electrical Accessories Premium Electrical Accessories (IMT-24) Bi Fuel Kit (IMT25 ) Add: Overturning Extension(IMT 47) Fibre Glass Geographical Area Extension (IMT1) Hire /Reward( IMT44 ) Soldier/Sailor(IMT 32) Tution (IMT 61) Non Electrical Acc. 0 560.00 Basic Premium 0.00 Basic Trailer TP Premium Bi Fuel Kit (IMT25) Add: 0 LL To PAX onAmbulance/Hearses(IMT 46) No of Passengers Geographical Area Extension (IMT 1) PA Owner:Driver CSI Rs200000 PA Paid driver/Cleaner/Conductor(IMT17) No of Passengers Legal Liability to driver (IMT 28) No of Passengers LL to Non Fare Paying PAX(IMT 37) No of Non Fare Paying Pax Less: Limit of Liability Under Section 560.00 0.00 0.00 0.00 560.00 II-I (ii)750000 Any other Loading/Discount (IMT 34 used) Total (B) Net (B) used for com. Loading 25% (IMT34) Total Premium (A+B) Add 12.36%Service Tax Premium Payable Elec./Elect. Acc. 0 Bi-Fuel kit Total Value 33446 Net Premium Rs. 1146 410.00 0.00 109 33446 CC IDV in Rs. Engine No. Chassis No. 5085879 7086088 2 Seating Capacity

0 B. Third Party (Rs.)

50.00 0.00 0.00

Less: Antitheft (IMT 10) Handicap Discount (IMT 12) No Claim Discount 45% Vehicle Use (IMT 13) Any other Loading/Discount (GVW) Total (A) Net (A) Co-Insurance Details No co-insurance

0.00 460.00 460.00 0.00 1020.00 126.00 1146

Under Hire Purchase/Hypothecated/Lease Agreement with Subject to IMT Endorsement Nos. 15,21, 28,47,52 printed herein Limitation as to use Use in connection with the insured's business.The policy does not cover use of the vehicle for racing,pace making,reliability trial or speed testing or use for the carriage of passengers for hire or reward or use whilst drawing a trailer except the towing (other than for reward) of any one of disabled mechanically propelled vehicle.

Printed herein/attached hereto Driver Clause: 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 learners license may also drive the vehicle when not used for the transport of passengers at the time of accident and that such a person satisfies the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989

No claim Bomus: 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 tables Period of Insurance Percentage of NCB on OD premium Limit of Liability The preceding year 20% Under Section II-I (i) Such amount as is necessary to meet the requirements Preceding two consecutive year 25% of the Motor Vehicles Act, 1988 Preceding three consecutive year 35% Under Section II-I (ii) As per premium computation table Preceding four consecutive year 45% Under Section III PA Owner Driver as per premium computation table Preceding five consecutive year 50% Deductible under Section I 0.5%of IDV of the vehicle subject to a Minimum of rs 2000/No claim bonus will only be allowed, provided the policy is renewed within 90 days of the expiry date of the previous policy Receipt particulars For IFFCO-TOKIO General Insurance Co. Ltd., Cash/Cheque: CASH Date : 24-APR-2013 Amount: 1146 Bank Details: Duly Constituted Attorney(s)
Page 14 of 14

In the event of dishonour of the Premium cheque, the policy stands automatically cancelled ab-initio.