HDFC ERGO General Insurance Company Limited Policy Wordings

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

HDFC ERGO General Insurance Company Limited

Policy Wordings

Policy Wording - Standalone Motor Own Damage Cover - Two Wheeler

Whereas the insured by a proposal and declaration dated as

stated in the Schedule which shall be the basis of this contract

and is deemed to be incorporated herein has applied to the

Company for the insurance hereinafter contained and has

paid the premium mentioned in the schedule as consideration

for such insurance in respect of accidental loss or damage

occurring during the period of insurance.

NOW THIS POLICY WITNESSETH:

That subject to the terms exceptions and conditions contained

herein or endorsed or expressed hereon;

LOSS OF OR DAMAGE TO THE VEHICLE INSURED

The Company will indemnify the insured against loss or damage

to the vehicle insured hereunder and/or its accessories whilst

thereon

i. by ﬁre explosion self ignition or lightning;

ii. by burglary housebreaking or theft;

iii. by riot and strike;

iv. by earthquake (ﬁre and shock damage);

v. by ﬂood typhoon hurricane storm tempest inundation

cyclone hailstorm frost;

vi. by accidental external means;

vii. by malicious act;

viii. by terrorist activity;

ix. whilst in transit by road rail inland- waterway lift elevator

or air;

x. by landslide rockslide.

Subject to a deduction for depreciation at the rates mentioned

below in respect of parts replaced;

1. For all rubber/ nylon/ plastic parts, tyres, tubes and

batteries and air bags - 50%

2. For ﬁber glass components - 30%

3. For all parts made of glass - Nil

4. Rate of depreciation for all other parts including wooden

parts will be as per the following schedule:

Age of Vehicle % of

Depreciation

Not exceeding 6 months Nil

Exceeding 6 months but not exceeding

1 year

Exceeding 1 year but not exceeding 2

years

10%

Exceeding 2 years but not exceeding

3 years

15%

Exceeding 3 years but not exceeding

4 years

25%

Exceeding 4 years but not exceeding

5 years

35%

Exceeding 5 year but not exceeding

10 years

40%

Exceeding 10 years 50%

5. Rate of Depreciation for Painting: In the case of painting,

the depreciation rate of 50% shall be applied only on

the material cost of total painting charges. In 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.

The Company shall not be liable to make any payment in

respect of:

(a) consequential loss, depreciation, wear and tear,

mechanical or electrical breakdown failures or

breakages;

(b) damage to Tyres and Tubes unless the vehicle insured

is damaged at the same time in which case the liability

of the company shall be limited to 50% of the cost of

replacement. And,

housebreaking or theft unless the vehicle is stolen

at the same time; and

(d) any accidental loss or damage suered whilst the

insured or any person driving the vehicle with the

knowledge and consent of the insured is under the

inﬂuence of intoxicating liquor or drugs.

In the event of the vehicle being disabled by reason of

loss or damage covered under this Policy the Company

will bear the reasonable cost of protection and removal to

the nearest repairer and redelivery to the insured but not

exceeding in all Rs. 300/- in respect of any one accident.

The insured may authorise the repair of the vehicle

necessitated by damage for which the Company may be

liable under this Policy provided that:-

(a) the estimated cost of such repair including

replacements, if any, does not exceed Rs.150/-

(b) the Company is furnished forthwith a detailed

estimate of the cost of repairs and

to see that such repair is necessary and the charges

are reasonable.

SUM INSURED – INSURED’S DECLARED VALUE (IDV)

The Insured’s Declared Value (IDV) of the vehicle will be

deemed to be the “SUM INSURED” for the purpose of this

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

policy which is ﬁxed at the commencement of each policy

period for the insured vehicle.

The IDV of the vehicle (accessories, if any, ﬁtted to the vehicle)

is to be ﬁxed on the basis of the manufacturer’s listed selling

price of the brand and model as the insured vehicle at the

commencement of insurance/renewal and adjusted for

depreciation (as per schedule below).

The schedule of age-wise depreciation as shown below is

applicable for the purpose of Total Loss/Constructive Total

Loss (TL/CTL) claims only.

THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF

THE VEHICLE

Age of The Vehicle % of

Depreciation

For Fixing Idv

Not exceeding 6 months 5%

Exceeding 6 months but not exceeding

1 year

15%

Exceeding 1 year but not exceeding

2 years

20%

Exceeding 2 years but not exceeding

3 years

30%

Exceeding 3 years but not exceeding

4 years

40%

Exceeding 4 years but not exceeding

5 years

50%

IDV of vehicles beyond 5 years of age and of obsolete models

of the vehicles (i.e. models which the manufacturers have

discontinued to manufactured) is to be determined on the

basis of an understanding between the insurer and the insured.

IDV shall be treated as the “Market Value” throughout the policy

period without any further depreciation for the purpose of Total

Loss (TL) / Constructive Total Loss (CTL) claims.

The insured vehicle shall be treated as CTL if the aggregate

cost of retrieval and / or repair of the vehicle, subject to terms

and conditions of the policy, exceeds 75% of the IDV of the

vehicle.

AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY

Nothing in this Policy or any endorsement hereon shall aect

the right of any person indemniﬁed by this policy or any

other person to recover an amount under or by virtue of the

Provisions of the Motor Vehicles Act.

But the Insured shall repay to the Company all sums paid by

the Company which the Company would not have been liable

to pay but for the said provision.

APPLICATION OF LIMITS OF INDEMNITY

In the event of any accident involving indemnity to more than

one person any limitation by the terms of this Policy and/or of any

Endorsement thereon of the amount of any indemnity shall apply

to the aggregate amount of indemnity to all persons indemniﬁed

and such indemnity shall apply in priority to the insured.

GENERAL EXCEPTIONS

(Applicable to all sections of the Policy)

The Company shall not be liable under this Policy in respect of

1. any accidental loss or damage and/or liability caused

sustained or incurred outside the geographical area;

2. any claim arising out of any contractual liability;

3. any accidental loss damage and/or liability caused

sustained or incurred whilst the vehicle insured herein is

a. being used otherwise than in accordance with the

“Limitations as to Use” or

b. being driven by or is for the purpose of being driven

by him/her in the charge of any person other than a

Driver as stated in the Driver’s Clause

4. i. any accidental loss or damage to any property

whatsoever or any loss or expense whatsoever

resulting or arising there from or any consequential

loss.

ii. any liability of whatsoever nature directly or indirectly

caused by or contributed to by or arising from ionising

radiations or contamination by radioactivity from

any nuclear fuel or from any nuclear waste from

the combustion of nuclear fuel. For the purpose of

this exception combustion shall include any self-

sustaining process of nuclear ﬁssion

5. any accidental loss or damage or liability directly or

indirectly caused by or contributed to by or arising from

nuclear weapons material.

6. any accidental loss damage and/or liability directly or

indirectly or proximately or remotely occasioned by

contributed to by or traceable to or arising out of or in

connection with war, invasion, the act of foreign enemies,

hostilities or war like operations (whether before or after

declaration of war) civil war, mutiny rebellion, military or

usurped power or by any direct or indirect consequence of

any of the said occurrences and in the event of any claim

hereunder the insured shall prove that the accidental loss

damage and/or liability arose independently of and was in

no way connected with or occasioned by or contributed

to by or traceable to any of the said occurrences or any

consequences thereof and in default of such proof, the

Company shall not be liable to make any payment in

respect of such a claim.

DEDUCTIBLE

The Company shall not be liable for each and every claim

under Section - I (loss of or damage to the vehicle insured) of

this Policy in respect of the deductible stated in the schedule.

CONDITIONS

This Policy and the Schedule shall be read together and any

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

1. Notice shall be given in writing to the Company

immediately upon the occurrence of any accidental loss

or damage in the event of any claim and thereafter the

insured shall give all such information and assistance

as the Company shall require. Every letter claim writ

summons and/or process or copy thereof shall be

forwarded to the Company immediately on receipt by

the insured. Notice shall also be given in writing to the

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

Company immediately the insured shall have knowledge

of any impending prosecution, inquest or fatal inquiry in

respect of any occurrence which may give rise to a claim

under this Policy. In case of theft or criminal act which may

be the subject of a claim under this Policy the insured shall

give immediate notice to the police and co-operate with

the Company in securing the conviction of the oender.

2. No admission oer promise payment or indemnity shall be

made or given by or on behalf of the insured without the

written consent of the Company which shall be entitled

if it so desires to take over and conduct in the name of

the insured the defense or settlement of any claim or to

prosecute in the name of the insured for its own beneﬁt

any claim for indemnity or otherwise and shall have full

discretion in the conduct of any proceedings or in the

settlement of any claim and the insured shall give all such

information and assistance as the Company may require.

3. The Company may at its own option repair reinstate or

replace the vehicle or part thereof and/or its accessories

or may pay in cash the amount of the loss or damage and

the liability of the Company shall not exceed:

a. for total loss/constructive total loss of the vehicle

- the Insured’s Declared Value (IDV) of the vehicle

(including accessories thereon) as speciﬁed in the

Schedule less the value of the wreck.

b. for partial losses, i.e. losses other than Total Loss/

Constructive Total Loss of the vehicle - actual and

reasonable costs of repair and/or replacement of

parts lost/damaged subject to depreciation as per

limits speciﬁed.

4. The insured shall take all reasonable steps to safeguard

the vehicle from loss or damage and to maintain it in

ecient condition and the Company shall have at all

times free and full access to examine the vehicle or any

part thereof or any driver or employee of the insured. In

the event of any accident or breakdown, the vehicle shall

not be left unattended without proper precautions being

taken to prevent further damage or loss and if the vehicle

be driven before the necessary repairs are eected any

extension of the damage or any further damage to the

vehicle shall be entirely at the insured’s own risk.

5. Cancellation of Policy - The Company may cancel

the Policy by sending seven day’s notice by recorded

delivery to the Insured at Insured’s last known address

on the grounds of mis- representation, fraud, non-

disclosure of material facts or non- cooperation. In the

event of cancellation of this policy on the grounds of

misrepresentation, fraud, non- disclosure of material

facts, the policy shall stands cancelled ab- initio and there

will be no refund of premium. In the event the policy is

cancelled on the grounds of noncooperation of the Insured

or Insured has initiated cancellation of the policy any time

by sending seven day’s notice by the recorded delivery

and no claim has arisen during the currency of policy,

then the premium shall be calculated in accordance with

Company’s short period rate for the period the policy

has been in force provided no claim has occurred up to

the date of cancellation. Return of the premium by the

Company will be subject to retention of the minimum

premium of Rs 100/- exclusive any applicable tax (or Rs

25/- in respect of vehicles speciﬁcally designed/modiﬁed

for use of blind/handicapped/mentally challenged

persons).

• Ashortperiodscaleforretentionofpremiuminrespect

of Motor OD Premium as identiﬁed in table below will be

applied to the Motor OD premium:

Period % Retention

Not exceeding 1 month 20%

Exceeding 1 month but not exceeding

2 months

30%

Exceeding 2 months but not exceeding

3 months

40%

Exceeding 3 months but not exceeding

4 months

50%

Exceeding 4 months but not exceeding

5 months

60%

Exceeding 5 months but not exceeding

6 months

70%

Exceeding 6 months but not exceeding

7 months

80%

Exceeding 7 months but not exceeding

8 months

90%

Exceeding 8 months 100%

6. If at the time of occurrence of an event that gives rise to

any claim under this policy there is in existence any other

insurance covering the same liability, the Company shall

not be liable to pay or contribute more than its ratable

proportion of any compensation, cost or expense.

7. The due observance and fulﬁllment of the terms, conditions

and endorsements of this Policy in so far as they relate to

anything to be done or complied with by the insured and

the truth of the statements and answers in the said proposal

shall be conditions precedent to any liability of the Company

to make any payment under this Policy.

8. In the event of the death of the sole insured, this policy

will not immediately lapse but will remain valid for a period

of three months from the date of the death of insured or

until the expiry of this policy (whichever is earlier).

During the said period, legal heir(s) of the insured to whom

the custody and use of the Motor Vehicle passes may apply

to have this Policy transferred to the name(s) of the heir(s)

or obtain a new insurance policy for the Motor Vehicle.

Where such legal heir(s) desire(s) to apply for transfer of

this policy or obtain a new policy for the vehicle such

heir(s) should make an application to the Company

accordingly within the aforesaid period. All such

applications should be accompanied by:-

a) Death Certiﬁcate in respect of the insured

b) Proof of title to the vehicle

c) Original Policy

No Claim Bonus

1) An insured becomes entitled to No Claim Bonus only at

the renewal of a policy after the expiry of the full duration

of 60 months.

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

2) No claim bonus would be applicable on own damage

component only when the policy term has been completed

ALL TYPES OF VEHICLES % OF DISCOUNT

ON OWN DAMAGE

PREMIUM

No claim made or pending during

the preceding full year of insurance

20%

No claim made or pending during

the preceding 2 consecutive years

of insurance

25%

No claim made or pending during

the preceding 3 consecutive years

of insurance

35%

No claim made or pending during

the preceding 4 consecutive years

of insurance

45%

No claim made or pending during

the preceding 5 consecutive years

of insurance

50%

Note - Sunset Clause: If at the renewal falling due any time

between 1st July 2002 and 30th June 2003, both days

inclusive, (after completion of the full policy period of 12

months) an insured becomes entitled to an NCB of 55% or

65% in terms of the Tari prevailing prior to 1st July 2002,

the entitlement of such higher percentage of NCB will remain

protected for all subsequent renewals till a claim arises under

the policy, in which case the NCB will revert to “Nil” at the

next renewal. Thereafter, NCB if any earned, will be in terms

of the above table.

a) The percentage of applicable NCB is to be computed on

the Own Damage premium required for renewal of the

insurance after deducting any rebate in respect of “Vehicle

Laid Up” under the policy. If the policy period has been

extended in lieu of the rebate for the lay up of the vehicle,

as per “Vehicle Laid Up” Regulation, such extended period

shall be deemed to have been part of the preceding year

of insurance.

b) The entitlement of NCB shall follow the fortune of the

original insured and not the vehicle or the policy. In the

event of transfer of interest in the policy from one insured

to another, the entitlement of NCB for the new insured will

be as per the transferee’s eligibility following the transfer

of interest.

It is however, clariﬁed that the entitlement of No Claim

Bonus will be applicable for the substituted vehicle subject

to the provision that the substituted vehicle on which the

entitled NCB is to be applied is of the same class (as per this

tari) as the vehicle on which the NCB has been earned.

Provided that where the insured is an individual, and on

his/ her death the custody and use of the vehicle pass to

his/her spouse and/or children and/or parents, the NCB

entitlement of the original insured will pass on to such

person/s to whom the custody and use of the vehicle pass.

c) The percentage of NCB earned on a vehicle owned by an

institution during the period when it was allotted to and

exclusively operated by an employee should be passed

on to the employee if the ownership of the vehicle is

transferred in the name of the employee. This will however

require submission of a suitable letter from the employer

confirming that prior to transfer of ownership of the

vehicle to the employee, it was allotted to and exclusively

operated by the employee during the period in which the

NCB was earned.

d) In the event of the insured, transferring his insurance

from one insurer to another insurer, the transferee insurer

may allow the same rate of NCB which the insured would

have received from the previous insurer. Evidence of the

insured’s NCB entitlement either in the form of a renewal

notice or a letter conﬁrming the NCB entitlement from the

previous insurer will be required for this purpose.

Where the insured is unable to produce such evidence

of NCB entitlement from the previous insurer, the claimed

NCB may be permitted after obtaining from the insured a

declaration as per the following wording:

“I / We declare that the rate of NCB claimed by me/us

is correct and that no claim as arisen in the expiring

policy period (copy of the policy enclosed). I/We further

undertake that if this declaration is found to be incorrect,

all beneﬁts under the policy in respect of Section I of the

Policy will stand forfeited.”

Notwithstanding the above declaration, the insurer

allowing the NCB will be obliged to write to the policy

issuing oce of the previous insurer by recorded delivery

calling for conﬁrmation of the entitlement and rate of NCB

for the particular insured and the previous insurer shall

be obliged to provide the information sought within 30

days of receipt of the letter of enquiry failing which the

matter will be treated as a breach of Tari on the part of

the previous insurer. Failure of the insurer granting the

NCB to write to the previous insurer within 21 days after

granting the cover will also constitute a breach of the Tari.

e) If an insured vehicle is sold and not replaced immediately,

or laid up, and the policy is not renewed immediately

after expiry, NCB, if any, may be granted on a subsequent

insurance, provided such fresh insurance is eected within

3 (three) years from the expiry of the previous insurance. The

rate of NCB applicable to the fresh policy shall be that earned

at the expiry of the last 12 months period of insurance.

f) On production of evidence of having earned NCB abroad,

an insured may be granted NCB on a new policy taken

out in India as per entitlement earned abroad, provided

the policy is taken out in India within three years of expiry

of the overseas insurance policy, subject to relevant

provisions of NCB under these rules.

g) Except as provided in Rule (e), no NCB can be allowed

when a policy is not renewed within 90 days of its expiry.

h) Except as provided in Rules (e), (f) and (g) above, NCB is

to be allowed only when the vehicle has been insured

continuously for a period of 12 months without any break.

Claims process

A) Claim Intimation

1. The claims Intimation is done through call center.

Location and caller details are entered in the Claims

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

processing system. The policy number, date & time

of accident, short details of accident & driver details

are captured in claims processing system.

2. A unique claim reference no is generated and is

communicated to the insured. This reference number

is used for further claims related communication.

3. On receipt of such a communication, the Company

shall respond immediately and give clear information

to the insured on the procedures that he/she should

follow.

B) Survey of loss

1. Surveyor is assigned on immediate basis and in any

case within 72 hours of the receipt of intimation from

the insured.

2. The Claim details are intimated to surveyor through

SMS & email. All the details of the appointment of

surveyor, including the role, duties and responsibilities

of the surveyor are sent to the insured by letter, email

or any other electronic form immediately after the

appointment of the surveyor.

3. The Surveyor will co-ordinate with the Insured and

if the vehicle is already in the workshop, surveyor

will visit the workshop within 4 working hours

of Intimation, in any case within 48 hours of his

appointment. Surveyor shall within 7 days of the

claim intimation, inform the insured of the essential

documents and other requirements that the insured

should submit in support of the claim. Where

documents are available in public domain or with a

public authority, the surveyor shall obtain them.

a) Claim Form

b) Registration Certiﬁcate

c) Driving License

d) Policy Copy

e) Estimate of Repairs

f) AML Documents (if required)

4. The Surveyor assesses the loss based and shares an

interim report with the Company within the shortest

time but not later than 15 days from the date of ﬁrst

visit.

5. If the insured is unable to furnish all the particulars

required by the surveyor or where the surveyor does

not receive the full cooperation of the insured, the

surveyor shall inform the Company about the delay

they may result in the assessment of the claim.

Insured shall be intimated about the delay by the

Company or the surveyor.

6. The surveyor shall submit a report with within 30 days

to the Company. In case of any exception in terms

or circumstances or any diculty associated with

replacement/reinstatement, the surveyor can seek

for an extension from the Company for submission

of his report.

7. Once the ﬁnal survey report is furnished with all

required information/documents that are relevant

and necessary for settlement of claim, the Company

settle the claim.

8. In case, the claim is rejected, the Company shall give

the reasons for the same in writing drawing reference

to the speciﬁc terms and conditions of the policy

document.

CLAIMS INTIMATION

In the event of loss due to an insured event the insurance

company must be informed immediately.

Our contact details are as follows:

Toll Free Helpline 1800 2 700 700

For claim amount greater than Rs 1 lakh, KYC documents as

below are mandatory

1) PAN Card

2) Aadhar Card

3) Any other supporting document

Condonation of Delay

The Company may condone delay in claim intimation/

document submission on merit, where it is proved that delay

in reporting of claim or submission of claim documents, is due

to reasons beyond the control of the insured.

Notwithstanding the above, delay in claim intimation or

submission of claim documents due to reasons beyond the

control of the insured shall not be condoned where such claims

would have otherwise been rejected even if reported in time.

Fraud

This policy shall be voidable at the option of the Company in the

event of mis-representation, mis-description or non-disclosure

of any material particulars by the Proposer. Any person who,

knowingly and with intent to defraud the insurance company or

any other person, ﬁles a proposal for insurance containing any

false information, or conceals for the purpose of misleading,

Information concerning any fact material thereto, commits a

fraudulent insurance act, which will render the policy voidable

at the sole discretion of the insurance company and result in

a denial of insurance beneﬁts.

ENDORSEMENT WORDINGS

IMT.1. EXTENSION OF GEOGRAPHICAL AREA

In consideration of the payment of an additional premium of

Rs….it is hereby understood and agreed that notwithstanding

anything contained in this Policy to the contrary the

Geographical Area in this Policy shall from the . ./. ./. . . to …/.

./ (both days inclusive) be deemed to include *

It is further speciﬁcally understood and agreed that such

geographical extension excludes cover for damage to the

vehicle insured / injury to its occupants / third party liability in

respect of the vehicle insured during sea voyage / air passage

for the purpose of ferrying the vehicle insured to the extended

geographical area.

Subject otherwise to the terms exceptions conditions and

limitations of this Policy.

*Insert Nepal, Sri Lanka, Maldives, Bhutan, Pakistan,

Bangladesh as the case may be

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

IMT.3. TRANSFER OF INTEREST

It is hereby understood and agreed that as from …/…/……. the

interest in the Policy is transferred to and vested in ……….... of

................................ carrying on or engaged in the business or

profession of ......... who shall be deemed to be the Insured

and whose .............. proposal and declaration dated.. /…/….

shall be deemed to be incorporated in and to be the basis

of this contract.

Provided always that for the purpose of the No Claim Bonus,

no period during which the interest in this Policy has been

vested in any previous insured shall accrue to the beneﬁt of

Subject otherwise to the terms exceptions conditions and

limitations of this Policy.

IMT.4. CHANGE OF VEHICLE

It is hereby understood and agreed that as from …/…../ ....... the

vehicle bearing Registration Number ........... is deemed to be

deleted from the Schedule of the Policy and the vehicle with

details speciﬁed hereunder is deemed to be included therein-

Regd.

No.

Engine/

Chassis

No.

Make Type

Body

C.C. Year of

Manufacture

Seating

Capacity

including

Driver

IDV

In consequence of this change, an extra/refund premium of Rs

................ is charged/allowed to the insured.

Subject otherwise to the terms exceptions conditions and

limitations of this Policy.

IMT.6. LEASE AGREEMENT

It is hereby understood and agreed that …… (hereinafter

referred to as the Lessors) are the Owners of the vehicle

insured and that the vehicle insured is the subject of a Lease

Agreement made between the Lessor on the one part and

the Insured on the other part and it is further understood and

agreed that the Lessors are interested in any monies which but

for this Endorsement would be payable to the Insured under

this Policy in respect of such loss or damage to the vehicle

insured as cannot be made good by repair and / or replacement

of parts and such monies shall be paid to the Lessors as long

as they are the Owners of the vehicle insured and their receipt

shall be a full and ﬁnal discharge to the Company in respect

of such loss or damage. It is also understood and agreed that

notwithstanding any provision in the Leasing Agreement to the

contrary, this Policy is issued to the insured namely ..................

.............. as the principal party and not as agent or trustee and

nothing herein contained shall be construed as constituting the

Insured an agent or trustee for the Lessors or as an assignment

(whether legal or equitable) by the Insured to the Lessors, of

his rights beneﬁts and claims under this Policy and further

nothing herein shall be construed as creating or vesting any

right in the Owner/Lessor to sue the Company in any capacity

whatsoever for any alleged breach of its obligations hereunder.

It is further declared and agreed that for the purpose of the

Personal Accident Cover for the owner-driver granted under

this Policy, the Insured named in the Policy will continue to

be deemed as the owner-driver subject to compliance of

provisions of the Policy relating to this cover.

Save as by this Endorsement expressly agreed nothing herein

shall modify or aect the rights and liabilities of the Insured

or the Company respectively under or in connection with

this Policy.

Subject otherwise to the terms exceptions conditions and

limitations of this Policy.

IMT.7. VEHICLES SUBJECT TO HYPOTHECATION

AGREEMENT

It is hereby declared and agreed that the vehicle insured is

pledged to/hypothecated with …… (hereinafter referred to as

the “Pledgee”) and it is further understood and agreed that

the “Pledgee” is interested in any monies which but for this

Endorsement would be payable to the Insured under this Policy

in respect of such loss or damage to the vehicle insured as

cannot be made good by repair and / or replacement of parts

and such monies shall be paid to the Pledgee as long as they

are the Pledgee of the vehicle insured and their receipt shall

be a full and ﬁnal discharge to the Company in respect of such

loss or damage.

It is further declared and agreed that for the purpose of the

Personal Accident Cover for the owner-driver granted under

this Policy, the insured named in the Policy will continue to

be deemed as the owner-driver subject to compliance of

provisions of the Policy relating to this cover.

Save as by this Endorsement expressly agreed that nothing

herein shall modify or aect the rights or liabilities of the Insured

or the Company respectively under or in connection with this

Policy or any term, provision or condition thereof.

Subject otherwise to the terms exceptions conditions and

limitations of this Policy.

IMT.8. DISCOUNT FOR MEMBERSHIP OF RECOGNISED

AUTOMOBILE ASSOCIATIONS (Private Cars and Motorised

Two Wheelers Only)

It is hereby understood and agreed that in consideration of

Insured’s membership of …………………...** a discount in premium

of Rs………* is allowed to the Insured hereunder from ../../…. It

is further understood and agreed that if the Insured ceases to

be a member of the above mentioned association during the

currency of this Policy, the Insured shall immediately notify

the Company accordingly and refund to the Company, a

proportionate amount of the discount allowed on this account

for the unexpired period of the cover.

Subject otherwise to the terms exceptions conditions and

limitations of this Policy.

* For full Policy period, the full tari discount to be inserted. For

mid-term membership, pro- rata proportion of the tari discount

for the unexpired Policy period to be inserted.

** Insert name of the concerned Automobile Association.

IMT.10. INSTALLATION OF ANTI-THEFT DEVICE (Not

applicable to Motor Trade Policies)

In consideration of certiﬁcation by ..................... * that an Anti-

Theft device approved by Automobile Research Association

of India (ARAI), Pune has been installed in the vehicle insured

herein a premium discount of Rs. .....................** is hereby

allowed to the Insured.

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

It is hereby understood and agreed that the Insured shall

ensure at all times that this Anti- theft device installed in the

vehicle insured is maintained in ecient condition till the

expiry of this Policy.

Subject otherwise to the terms, exceptions, conditions and

limitations of the Policy

* The name of the certifying Automobile Association is to be

inserted.

** Premium discount calculated as per tari provision is to be

inserted. For mid-term certiﬁcation of installation of Anti Theft

device pro-rata proportion of tari discount for the unexpired

period is to be inserted.

IMT.12.DISCOUNT FOR SPECIALY DESIGNED/MODIFIED

VEHICLES FOR THE BLIND, HANDICAPPED AND MENTALLY

CHALLENGED PERSONS

Notwithstanding anything to the contrary contained in the

Policy it is hereby understood and agreed that the vehicle

insured being specially designed /modiﬁed for use of blind,

handicapped and mentally challenged persons and suitable

endorsement to this eect having been incorporated in the

Registration Book by the Registering Authority, a discount of

50% on the Own Damage premium for the vehicle insured is

hereby allowed to the Insured. Subject otherwise to the terms

exceptions conditions and limitations of the Policy.

IMT.15. PERSONAL ACCIDENT COVER TO THE INSURED

OR ANY NAMED PERSON OTHER THAN PAID DRIVER

OR CLEANER (Applicable to private cars including three

wheelers rated as private cars and motorized Two-wheelers

with or without side car <not for hire or reward>)

In consideration of the payment of an additional premium, it is

hereby agreed and understood that the Company undertakes

to pay compensation on the scale provided below for bodily

injury as hereinafter deﬁned sustained by the Insured person in

direct connection with the vehicle insured, or whilst mounting

and dismounting from or travelling in the vehicle insured and

caused by violent accidental external and visible means which

independently of any other cause shall within six calendar

months of the occurrence of such injury result in :-

Nature of injury Scale of

compensation

i) Death 100%

ii) Loss of two limbs or sight of two eyes

or one limb and sight of one eye

100%

iii) Loss of one limb or sight of one eye 50%

iv) Permanent Total Disablement from

injuries other than named above

100%

Provided always that:

1) compensation shall be payable under only one of the items

(i) to (iv) above in respect of any such person arising out

of any one occurrence and total liability of the Company

shall not in the aggregate exceed the sum of Rs. * during

any one period of insurance in respect of any such person.

2) no compensation shall be payable in respect of death

or injury directly or indirectly wholly or in part arising or

resulting from or traceable to (a) intentional self injury,

suicide or attempted suicide physical defect or inﬁrmity

or (b) an accident happening whilst such person is under

the inﬂuence of intoxicating liquor or drugs.

3) such compensation shall be payable only with the approval

of the Insured named in the Policy and directly to the

injured person or his/her legal representative(s) whose

receipt shall be a full discharge in respect of the injury of

such person.

Subject otherwise to the terms exceptions conditions and

limitations of this Policy.

*The Capital Sum Insured (CSI) per person is to be inserted.

IMT.16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS

OTHER THAN INSURED AND THE PAID DRIVER OR CLEANER

(For Vehicles rated as Private Cars and Motorised Two

Wheelers <not for hire or reward> with or without side car)

In consideration of the payment of an additional premium, it is

hereby understood and agreed that the Company undertakes

to pay compensation on the scale provided below for bodily

injuries hereinafter deﬁned sustained by any passenger other

than the Insured and/or the paid driver, attendant or cleaner

and/or a person in the employ of the Insured coming within

the scope of the Workmen’s Compensation Act, 1923 and

subsequent amendments of the said Act and engaged in

and upon the service of the Insured at the time such injury is

sustained whilst mounting into, dismounting from or travelling

in the insured motor car and caused by violent accidental

external and visible means which independently of any other

cause shall within three calendar months of the occurrence of

such injury result in :-

Nature of injury Scale of

compensation

i) Death 100%

ii) Loss of two limbs or sight of two eyes

or one limb and sight of one eye

100%

iii) Loss of one limb or sight of one eye 50%

iv) Permanent Total Disablement from

injuries other than named above

100%

Provided always that:

1) compensation shall be payable under only one of the items

(i) to (iv) above in respect of any such person arising out

of any one occurrence and total liability of the Company

shall not in the aggregate exceed the sum of Rs. * during

any one period of insurance in respect of any such person.

2) no compensation shall be payable in respect of death

or injury directly or indirectly wholly or in part arising or

resulting from or traceable to (a) intentional self injury,

suicide or attempted suicide physical defect or inﬁrmity

or (b) an accident happening whilst such person is under

the inﬂuence of intoxicating liquor or drugs.

3) such compensation shall be payable only with the approval

of the Insured named in the Policy and directly to the

injured person or his/her legal representative(s) whose

receipt shall be a full discharge in respect of the injury of

such person.

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

4) not more than …** persons/passengers are in the vehicle

insured at the time of occurrence of such injury.

Subject otherwise to the terms exceptions conditions and

limitations of this Policy.

*The Capital Sum Insured (CSI) per person is to be inserted.

** The registered sitting capacity of the vehicle insured to be

inserted.

IMT.17. PERSONAL ACCIDENT COVER TO PAID DRIVERS,

CLEANERS AND CONDUCTORS: (Applicable to all classes

of vehicles)

In consideration of the payment of an additional premium, it is

hereby understood and agreed that the Company undertakes

to pay compensation on the scale provided below for bodily

injury as hereinafter deﬁned sustained by the paid driver/

cleaner/conductor in the employ of the Insured in direct

connection with the vehicle insured whilst mounting into

dismounting from or travelling in the insured vehicle and

caused by violent accidental external and visible means which

independently of any other cause shall within six calendar

months of the occurrence of such injury result in :-

Nature of injury Scale of

compensation

i) Death 100%

ii) Loss of two limbs or sight of two eyes

or one limb and sight of one eye

100%

iii) Loss of one limb or sight of one eye 50%

iv) Permanent Total Disablement from

injuries other than named above

100%

Provided always that:

1) compensation shall be payable under only one of the items

(i) to (iv) above in respect of any such person arising out

of any one occurrence and total liability of the Company

shall not in the aggregate exceed the sum of Rs. * during

any one period of insurance in respect of any such person.

2) no compensation shall be payable in respect of death

or injury directly or indirectly wholly or in part arising or

resulting from or traceable to (a) intentional self injury

suicide or attempted suicide physical defect or inﬁrmity

or (b) an accident happening whilst such person is under

the inﬂuence of intoxicating liquor or drugs.

3) such compensation shall be payable only with the approval

of the Insured named in the Policy and directly to the

injured person or his/her legal representative(s) whose

receipt shall be a full discharge in respect of the injury of

such person.

Subject otherwise to the terms exceptions conditions and

limitations of this Policy.

* The Capital Sum Insured (CSI) per person is to be inserted.

IMT.18. PERSONAL ACCIDENT TO UNNAMED HIRER AND

UNNAMED PILLION PASSENGERS (Applicableto Motorised

Two wheelers with or without side Car)

In consideration of the payment of an additional premium it is

hereby understood and agreed that the insurer undertakes to

pay compensation to any unnamed hirer/ driver/any unnamed

pillion/ sidecar passenger* on the scale provided below for

bodily injury caused by violent, accidental, external and visible

means whilst mounting into/onto and/or dismounting from

or traveling in/on the vehicle insured which independently

of any other cause shall within three calendar months of the

occurrence of such injury results in :-

Nature of injury Scale of

compensation

i) Death 100%

ii) Loss of two limbs or sight of two eyes

or one limb and sight of one eye

100%

iii) Loss of one limb or sight of one eye 50%

iv) Permanent Total Disablement from

injuries other than named above

100%

Provided always that:

1) compensation shall be payable under only one of the items

(i) to (iv) above in respect of any such person arising out of

any one occurrence and total liability of the insurer shall

not in the aggregate exceed the sum of Rs. ............ ** during

any one period of insurance in respect of any such person.

2) no compensation shall be payable in respect of death

or injury directly or indirectly wholly or in part arising or

resulting from or traceable to (a) intentional self injury

suicide or attempted suicide physical defect or inﬁrmity

or (b) an accident happening whilst such person is under

the inﬂuence of intoxicating liquor or drugs.

3) such compensation shall be payable only with the approval

of the insured named in the policy and directly to the

injured person or his/her legal representative(s) whose

receipt shall be a full discharge in respect of the injury of

such person.

4) not more than persons/passengers are in the vehicle

insured at the time of occurrence of such injury.

Subject otherwise to the terms exceptions conditions and

limitations of this policy.

* Delete if P.A. cover for unnamed pillion /side car passenger

is not taken.

** The Capital Sum Insured (CSI) per passenger is to be inserted.

IMT.19. COVER FOR VEHICLES IMPORTED WITHOUT

CUSTOMS DUTY

Notwithstanding anything to the contrary contained in this

Policy it is hereby understood and agreed that in the event of

loss or damage to the vehicle insured and/or its accessories

necessitating the supply of a part not obtainable from stocks

held in the country in which the vehicle insured is held for

repair or in the event of the Company exercising the option

under ………., * to pay in cash the amount of the loss or damage

the liability of the Company in respect of any such part shall

be limited to

a) (i) the price quoted in the latest catalogue or the price

list issued by the Manufacturer or his Agent for the

country in which the vehicle insured is held for repair

less depreciation applicable;

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

(ii) if no such catalogue or price list exists the price

list obtaining at the Manufacturer’s Works plus the

reasonable cost of transport otherwise than by air

to the country in which the vehicle insured is held

for repair and the amount of the relative import duty

less depreciation applicable under the Policy; and

b) the reasonable cost of ﬁtting such parts.

Subject otherwise to the terms conditions limitations and

exceptions of this Policy.

* Insert “Condition 3” in the case of the Private Car and

Motorised Two Wheeler Policies and “Condition 4” in the case

of Commercial Vehicles Policy.

IMT.20. REDUCTION IN THE LIMIT OF LIABILITY FOR

PROPERTY DAMAGE

It is hereby understood and agreed that notwithstanding

anything to the contrary contained in the Policy the Company’s

liability is limited to Rs. 6000/- (Rupees six thousand only) for

damage to property other than the property belonging to the

Insured or held in trust or in custody or control of the Insured In

consideration of this reduction in the limit of liability a reduction

in premium of Rs. .........…..* is hereby made to the Insured.

Subject otherwise to the terms conditions limitations and

exceptions of the Policy.

*To insert Rs. 50 for Two wheelers, Rs. 100 for private cars,

Rs. 150 for Commercial Vehicles – three wheelers and taxis

or Rs. 200 for Commercial Vehicles (excluding three wheelers

and taxis).

IMT. 21. SPECIAL EXCLUSIONS AND COMPULSORY

DEDUCTIBLE (Applicable to all Commercial Vehicles

excluding taxis and motorized two wheelers carrying

passengers for hire or reward.)

Notwithstanding anything to the contrary contained herein it

is hereby understood and agreed that

1) Special Exclusions except in the case of Total Loss of the

vehicle insured, the insurer shall not be liable under Section

I of the policy for loss of or damage to lamps tyres tubes

mudguards bonnet side parts bumpers and paint work.

2) Compulsory Deductible. in addition to any amount which

the insured may be required to bear under para (a) above

the insured shall also bear under section I of the policy in

respect of each and every event(including event giving

rise to total loss/constructive total loss) the ﬁrst Rs * of

any expenditure (or any less expenditure which may be

incurred) for which provision is made under this policy

and/or of any expenditure by the insurer in the exercise

of its discretion under Condition No.4 of this policy.

If the expenditure incurred by the insurer shall include any

amount for which the insured is responsible hereunder

such amount shall be repaid by the insured to the insurer

forthwith.

For the purpose of this Endorsement the expression

“event” shall mean an event or series of events arising

out of one cause in connection with the vehicle insured in

respect of which indemnity is provided under this policy.

Subject otherwise to the terms conditions limitations and

exceptions of this Policy.

* to insert amount as appropriate to the class of vehicle insured

as per GR.40 of the tari.

IMT.22. COMPULSORY DEDUCTIBLE (Applicable to Private

Cars, three wheelers rated as private cars, all motorized two

wheelers, taxis, private car type vehicle plying for public/

private hire, private type taxi let out on private hire)

Notwithstanding anything to the contrary contained in the

Policy it is hereby understood and agreed that the Insured

shall bear under Section I of the Policy in respect of each

and every event (including event giving rise to a total loss/

constructive total loss) the ﬁrst Rs. *(or any less expenditure

which may be incurred) of any expenditure for which provision

has been made under this Policy and/or of any expenditure by

the Company in the exercise of his discretion under Condition

no. .............…** of this Policy.

If the expenditure incurred by the Company shall include

any amount for which the Insured is responsible hereunder

such amount shall be repaid by the Insured to the Company

forthwith.

For the purpose of this Endorsement the expression “event”

shall mean an event or series of events arising out of one

cause in connection with the vehicle insured in respect of

which indemnity is provided under this Policy.

Subject otherwise to the terms conditions limitations and

exceptions of this Policy.

*(i) to insert amount as appropriate to the class of vehicle

insured as per GR.40 of the tari.

(ii) in respect of a vehicle rated under the Tari for Private

Car and in respect of a motorised two wheeler not carrying

passengers for hire or reward, if any deductible in addition

to the compulsory deductible provided in this endorsement

is voluntarily borne by the Insured, the sum representing the

aggregate of the compulsory and the voluntary deductibles

is to be inserted.

** to insert Condition no 3 in respect of a vehicle rated under

Tari for Private Car / Two wheelers or Condition no 4 in respect

of a vehicle rated under the Tari for Commercial Vehicles.

IMT.22A. VOLUNTARY DEDUCTIBLE (For Private Cars/

motorized two wheelers other than for hire or reward)

It is hereby declared and agreed that the Insured having opted

a voluntary deductible of Rs. ………..*, a reduction in premium

of Rs. .............** under Section I of the Policy is hereby allowed.

In consideration of the above, it is hereby understood and

agreed that the insured shall bear under Section I of the Policy

in respect of each and every event (including event giving rise

to a total loss/constructive total loss) the ﬁrst Rs. ........*** (or any

less expenditure which may be incurred) of any expenditure for

which provision has been made under this Policy and/or of any

expenditure by the Company in the exercise of its discretion

under Condition no. .............# of this Policy.

If the expenditure incurred by the Company shall include

any amount for which the Insured is responsible hereunder

such amount shall be repaid by the Insured to the Company

forthwith.

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

For the purpose of this Endorsement the expression “event”

shall mean an event or series of events arising out of one

cause in connection with the vehicle insured in respect of

which indemnity is provided under this Policy.

Subject otherwise to the terms conditions limitations and

exceptions of this Policy.

*to insert voluntary deductible amount opted by the Insured

under tari for Private Car / Tari for motorised two wheelers.

**to insert appropriate amount relating to the voluntary

deductible opted as per the provision of the tari for Private

car / tari for motorised two wheelers

*** to insert aggregate amount of voluntary deductible opted

and the compulsory deductible applicable to the vehicle

insured as in G.R 40.

# to insert Policy condition No. 3 of the tari for private car /

tari for motorised two wheelers.

IMT.24. ELECTRICAL / ELECTRONIC FITTINGS (Items ﬁtted

in the vehicle but not included in the manufacturer’s listed

selling price of the vehicle – Package Policy only)

In consideration of the payment of additional premium of Rs.

............, notwithstanding anything to the contrary contained

in the Policy it is hereby understood and agreed that the

Company will indemnify the Insured against loss of or damage

to such electrical and/or electronic ﬁtting(s) as speciﬁed in the

Schedule whilst it/these is/are ﬁtted in or on the vehicle insured

where such loss or damage is occasioned by any of the perils

mentioned in Section I of the Policy.

The Company shall, however, not be liable for loss of or

damage to such ﬁtting(s) caused by/as a result of mechanical

or electrical breakdown. Provided always that the liability of the

Company hereunder shall not exceed the Insured’s Declared

Value (IDV) of the item.

Subject otherwise to the terms conditions limitations and

exceptions of this Policy.

IMT.25. CNG / LPG KIT IN BI-FUEL SYSTEM (Own Damage

cover for the kit)

In consideration of the payment of premium of Rs. ..............

* notwithstanding anything to the contrary contained in the

Policy it is hereby understood and agreed that the Company

will indemnify the Insured in terms conditions limitations and

exceptions of Section I of the Policy against loss and/or damage

to the CNG/LPG kit ﬁtted in the vehicle insured arising from an

accidental loss or damage to the vehicle insured, subject to

the limit of the Insured’s Declared Value of the CNG/LPG kit

speciﬁed in the Schedule of the Policy.

Subject otherwise to the terms conditions limitations and

exceptions of this Policy.

* To insert sum arrived at in terms of G.R.42.

IMT.28. LEGAL LIBILITY TO PAID DRIVER AND/OR

CONDUCTOR AND/OR CLEANER EMPLOYED IN

CONNECTION WITH THE OPERATION OF INSURED

VEHICLE (For all Classes of vehicles)

In consideration of an additional premium of Rs. 50/-

notwithstanding anything to the contrary contained in the

Policy it is hereby understood and agreed that the Company

shall indemnify the insured against the Insured’s legal liability

under the Employee Compensation Act, 2010, the Fatal

Accidents Act, 1855 or at Common Law and subsequent

amendments of these Acts prior to the date of this Endorsement

in respect of personal injury to any paid driver and/or conductor

and/or cleaner whilst engaged in the service of the Insured in

such occupation in connection with the vehicle insured herein

and will in addition be responsible for all costs and expenses

incurred with its written consent.

Provided always that:

1) this Endorsement does not indemnify the Insured in

respect of any liability in cases where the Insured holds or

subsequently eects with any insurer or group of insurers

a Policy of Insurance in respect of liability as herein deﬁned

for Insured’s general employees;

2) the Insured shall take reasonable precautions to prevent

accidents and shall comply with all statutory obligations;

3) the Insured shall keep record of the name of each paid

driver conductor cleaner or persons employed in loading

and/or unloading and the amount of wages and salaries

and other earnings paid to such employees and shall at

all times allow the Company to inspect such records on

demand.

4) in the event of the Policy being cancelled at the request

of the Insured no refund of the premium paid in respect

of this Endorsement will be allowed.

Subject otherwise to the terms conditions limitations and

exceptions of the Policy except so far as necessary to meet

the requirements of the Motor Vehicles Act, 1988.

*In case of Private cars/ motorised two wheelers (not used for

hire or reward) delete this para.

IMT.29. LEGAL LIBILITY TO EMPLOYEES OF THE INSURED

OTHER THAN PAID DRIVER AND / OR CONDUCTOR AND

/ OR CLEANER WHO MAY BE TRAVELLING OR DRIVING IN

THE EMPLOYER’S CAR (Private Car’s only/ Motorised two

wheelers [not for hire or reward])

In consideration of the payment of an additional premium @

Rs.50/- per employee insured notwithstanding anything to the

contrary contained in the Policy it is hereby understood and

agreed that the Company will indemnify the Insured against

the Insured’s liability at Common Law and Statutory Liability

under the Fatal Accidents Act,1855 for compensation (including

legal costs of any claimant) for death of or bodily injury to

any employee (other than paid drivers) of the within named

Insured being carried in or upon or entering in or getting on

to or alighting from or driving the vehicle insured.

Provided that in the event of an accident whilst the vehicle

insured is carrying more than * employees of the Insured

(including the driver) the Insured shall repay to the Company

a rateable proportion of the total amount payable by the

Company by the reason of this endorsement in respect of

accident in connection with such vehicle insured.

Subject otherwise to the terms, conditions limitations and

exceptions of this Policy.

NB. * To insert the number of employees for which the premium

has been paid.

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

IMT.31. RELIABILITY TRIALS AND RALLIES (Private Cars and

Motorised Two Wheelers Only)

In consideration of the payment of an additional premium it is

hereby understood and agreed that in the indemnity granted

by this Policy is extended to apply whilst the vehicle insured

is engaged in ……………………….* to be held at .......................** on

or about the date of ../../…. under the auspices of ...................#

Provided that –

a) No indemnity shall be granted by this Endorsement

to ................................. #

b) This Policy does not cover use for organised racing, pace

making, or speed testing.

c) During the course of the ..................... *, the Company shall

not be liable in respect of death of or bodily injury to any

person being carried in or upon or entering or getting on

to or alighting from the vehicle insured at the time of the

occurrence of the event out of which any claim arises.

## It is further understood and agreed that while the vehicle

insured is engaged in …………..*, the Insured shall bear the ﬁrst

Rs. ............... @ (or any less amount for which the claim may be

assessed) of each and every claim under Section I of this Policy.

Provided that if the Company shall make any payment in

exercise of its discretion under condition No. 3 of the Policy

in settlement of any claim and such payment includes the

amount for which the Insured is responsible by reason of this

Endorsement the insured shall repay to the Company forthwith

the amount for which the Insured is so responsible.

For the purpose of this Endorsement the expression “claim”

shall mean a claim or series of claims arising out of one event.

Subject otherwise to the terms, conditions limitations and

exceptions of this Policy.

* To insert the name of the event

** To insert the venue of the event.

@ To insert Rs. 5000/- for Private Cars. For the duration of

the event the deductible under Section I of this Policy for the

purpose of IMT 22 will be the amount stated in IMT 22 or the

amount stated herein, whichever is higher.

# To insert the name of the promoters of the event.

## To delete the entire paragraph in case of Liability Only

Policies.

IMT.32. ACCIDENTS TO SOLDIERS /SAILORS/ AIRMEN

EMPOYED AS DRIVERS

In consideration of the payment of an additional premium of

Rs 100/-* it is hereby understood and agreed that in the event

of any Soldier/Sailor/Airman employed by the Insured to drive

the vehicle insured being injured or killed whilst so employed,

this Policy will extend to relieve the Insured of his liability to

indemnify Ministry of Defence under the respective Regulations.

Subject otherwise to the terms, conditions limitations and

exceptions of this Policy.

* This additional premium is ﬂat and irrespective of period

of insurance not exceeding 12 months. Any extension of the

Policy period beyond 12 months will call for payment of further

additional premium under this Endorsement.

IMT. 33. LOSS OF ACCESSORIES (Applicable to Motorised

Two Wheeler Policies only)

In consideration of the payment of an additional premium of

Rs. it is hereby understood and agreed that as from ..../….../…..

notwithstanding anything to the contrary contained in Section

I but subject otherwise to the terms exceptions conditions and

limitations of this Policy the insurer will indemnify the insured

in respect of loss of or damage to accessories the property

of the insured, speciﬁcally declared by the insured caused by

burglary, housebreaking or theft.

Subject otherwise to the terms conditions limitations and

exceptions of this policy.

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If you have a grievance that you wish us to redress, you may

Ø Call Center ( Toll free helpline )

1800 2 700 700 (accessible from any Mobile and Landline

within India) 1800 226 226 (accessible from any MTNL and

BSNL Lines)

Ø Emails – [email protected]

Ø Designated Grievance Ocer in each branch.

Ø Company Website – www.hdfcergo.com

Ø Fax : 022 - 66383699

Ø Courier : Any of our Branch oce or corporate oce

You may also approach the Complaint & Grievance (C&G) Cell

at any of our branches with the details of your grievance during

our working hours from Monday to Friday.

If you are not satisﬁed with our redressal of your grievance

through one of the above methods, you may contact our Head

of Customer Service at

The Complaint & Grievance Cell,

HDFC ERGO General Insurance Company Ltd.

D-301, 3rd Floor, Eastern Business District (Magnet Mall),

LBS Marg, Bhandup (West).

MUMBAI – 400078.

In case you are not satisﬁed with the response / resolution given

/ oered by the C&G cell, then you can write to the Principal

Grievance Ocer of the Company at the following address

To the Principal Grievance Ocer

HDFC ERGO General Insurance Company Ltd.

D-301, 3rd Floor, Eastern Business District (Magnet Mall),

LBS Marg, Bhandup (West).

MUMBAI – 400078.

e-mail: principalgrievanceo[email protected]

You may also approach the nearest Insurance Ombudsman

for resolution of your grievance. The contact details of

Ombudsman oces are mentioned below if your grievance

pertains to:

• Insuranceclaimthat has beenrejectedor disputeofa

claim on legal construction of the policy

• Delayinsettlementofclaim

• Disputewithregardtopremium

• Non-receiptofyourinsurancedocument

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

You may also refer our website www.hdfcergo.com https://www.hdfcergo.com/customer-care/grievances.html for detailed

grievance redressed procedure.

NAMES OF OMBUDSMAN AND ADDRESSES OF OMBUDSMEN CENTERS

OFFICE DETAILS JURISDICTION OF OFFICE (UNION TERRITORY, DISTRICT)

AHMEDABAD - Shri Kuldip Singh

Oce of the Insurance Ombudsman,

Jeevan Prakash Building, 6th ﬂoor, Tilak Marg, Relief Road,

Ahmedabad – 380 001.

Tel.: 079 - 25501201/02/05/06

Email: [email protected]

Gujarat, Dadra & Nagar Haveli, Daman and Diu.

BENGALURU - Smt. Neerja Shah

Oce of the Insurance Ombudsman,

Jeevan Soudha Building, PID No. 57-27-N-19, Ground Floor,

19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078.

Tel.: 080 - 26652048 / 26652049

Email: [email protected]

Karnataka.

BHOPAL - Shri Guru Saran Shrivastava

Oce of the Insurance Ombudsman,

Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar,

Opp. Airtel Oce, Near New Market, Bhopal – 462 003.

Tel.: 0755 - 2769201 / 2769202

Fax: 0755 - 2769203

Email: [email protected]

Madhya Pradesh, Chattisgarh.

BHUBANESHWAR - Shri Suresh Chandra Panda

Oce of the Insurance Ombudsman,

62, Forest park, Bhubneshwar – 751 009.

Tel.: 0674 - 2596461 /2596455

Fax: 0674 - 2596429

Email: [email protected]

Orissa.

CHANDIGARH - Dr. Dinesh Kumar Verma

Oce of the Insurance Ombudsman, S.C.O. No. 101, 102 & 103,

2nd Floor, Batra Building, Sector 17 – D, Chandigarh – 160 017.

Tel.: 0172 - 2706196 / 2706468

Fax: 0172 - 2708274

Email: [email protected]

Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and

Bahadurgarh) Himachal Pradesh, Union Territories of Jammu & Kashmir,

Ladakh & Chandigarh.

CHENNAI - Shri M. Vasantha Krishna

Oce of the Insurance Ombudsman,

Fatima Akhtar Court, 4th Floor, 453,

Anna Salai, Teynampet,

CHENNAI – 600 018.

Tel.: 044 - 24333668 / 24335284

Fax: 044 - 24333664

Email: [email protected]

Tamil Nadu, Puducherry Town and Karaikal (which are part of

Puducherry).

DELHI - Shri Sudhir Krishna

Oce of the Insurance Ombudsman,

2/2 A, Universal Insurance Building,

Asaf Ali Road,

New Delhi – 110 002.

Tel.: 011 - 23232481/23213504

Email: [email protected]

Delhi & Following Districts of Haryana - Gurugram, Faridabad, Sonepat

& Bahadurgarh.

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

OFFICE DETAILS JURISDICTION OF OFFICE (UNION TERRITORY, DISTRICT)

GUWAHATI - Shri Kiriti B. Saha

Oce of the Insurance Ombudsman,

Jeevan Nivesh, 5th Floor,

Nr. Panbazar over bridge, S.S. Road,

Guwahati – 781001 (ASSAM).

Tel.: 0361 - 2632204 / 2602205

Email: [email protected]

Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland

and Tripura.

HYDERABAD - Shri I. Suresh Babu

Oce of the Insurance Ombudsman,

6-2-46, 1st ﬂoor, “Moin Court”,

Lane Opp. Saleem Function Palace,

A. C. Guards, Lakdi-Ka-Pool,

Hyderabad - 500 004.

Tel.: 040 - 23312122

Fax: 040 - 23376599

Email: [email protected]

Andhra Pradesh, Telangana, Yanam and part of Union Territory of

Puducherry.

JAIPUR - Smt. Sandhya Baliga

Oce of the Insurance Ombudsman,

Jeevan Nidhi – II Bldg., Gr. Floor,

Bhawani Singh Marg,

Jaipur - 302 005.

Tel.: 0141 - 2740363

Email: bimalokpal.[email protected]

Rajasthan.

ERNAKULAM - Ms. Poonam Bodra

Oce of the Insurance Ombudsman,

2nd Floor, Pulinat Bldg.,

Opp. Cochin Shipyard, M. G. Road,

Ernakulam - 682 015.

Tel.: 0484 - 2358759 / 2359338

Fax: 0484 - 2359336

Email: [email protected]

Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry.

KOLKATA - Shri P. K. Rath

Oce of the Insurance Ombudsman,

Hindustan Bldg. Annexe, 4th Floor,

4, C.R. Avenue,

KOLKATA - 700 072.

Tel.: 033 - 22124339 / 22124340

Fax : 033 - 22124341

Email: [email protected]

West Bengal, Sikkim, Andaman & Nicobar Islands.

LUCKNOW - Shri Justice Anil Kumar Srivastava

Oce of the Insurance Ombudsman,

6th Floor, Jeevan Bhawan, Phase-II,

Nawal Kishore Road, Hazratganj,

Lucknow - 226 001.

Tel.: 0522 - 2231330 / 2231331

Fax: 0522 - 2231310

Email: [email protected]

Districts of Uttar Pradesh :

Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad,

Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur, Varanasi,

Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur,

Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi,

Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang,

Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau,

Ghazipur, Chandauli, Ballia, Sidharathnagar.

HDFC ERGO General Insurance Company Limited. IRDAI Reg. No. 146. CIN: U66030MH2007PLC177117. Registered & Corporate Oce: 1st Floor,

HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Trade Logo displayed above belongs to HDFC

Bank Ltd and ERGO International AG and used by the Company under license. UIN: Standalone Motor Own Damage Cover - Two Wheeler -

IRDAN125RP0002V01201920.

OFFICE DETAILS JURISDICTION OF OFFICE (UNION TERRITORY, DISTRICT)

MUMBAI - Shri Milind A. Kharat

Oce of the Insurance Ombudsman,

3rd Floor, Jeevan Seva Annexe,

S. V. Road, Santacruz (W),

Mumbai - 400 054.

Tel.: 022 - 26106552 / 26106960

Fax: 022 - 26106052

Email: [email protected]

Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane.

NOIDA - Shri Chandra Shekhar Prasad

Oce of the Insurance Ombudsman,

Bhagwan Sahai Palace

4th Floor, Main Road,

Naya Bans, Sector 15,

Distt: Gautam Buddh Nagar,

U.P - 201301.

Tel.: 0120-2514252 / 2514253

Email: [email protected]

State of Uttaranchal and the following Districts of Uttar Pradesh:

Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah,

Kanooj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar,

Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautambodhanagar,

Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj,

Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur.

PATNA - Shri N. K. Singh

Oce of the Insurance Ombudsman,

1st Floor, Kalpana Arcade Building,,

Bazar Samiti Road, Bahadurpur,

Patna - 800 006.

Tel.: 0612-2680952

Email: [email protected]

Bihar, Jharkhand.

PUNE - Shri Vinay Sah

Oce of the Insurance Ombudsman,

Jeevan Darshan Bldg., 3rd Floor,

C.T.S. No.s. 195 to 198,

N.C. Kelkar Road, Narayan Peth,

Pune – 411 030.

Tel.: 020-41312555

Email: [email protected]

Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai

Metropolitan Region.