Welcome to Aditya Birla Insurance Brokers Limited, a subsidiary of Aditya Birla Capital Limited!

Dear MR. SHIVANSHU GAUTAM,

We thank you for the trust you have shown by making us your preferred choice for your motor insurance needs. It͛s our pleasure to have
you as a valued customer. Aditya Birla Capital͛s protecting solutions enable you to protect against risks to you and your vehicle.
Your decision to choose your Motor Insurance under the Royal Enfield Secure Program will not only protect you against the risks, but it
also gives you a host of unique features such as:

‡ Instant online policy schedule cum certificate of insurance

‡ Online payment facility
‡ Fast, hassle-free and cashless claim settlements at the dealerships. Please note that the admission and settlement of claim is at
sole discretion of Insurance Company

What͛s more, this policy program is recognized by all Royal Enfield Secure Program dealers across the country, thus, leaving you with
even lesser worries! Please find enclosed the following:

‡ A Policy Schedule cum Certificate of Insurance, containing details of your vehicle insurance cover and premium calculation
‡ A Policy Wording Document with Terms & Conditions, as per your motor insurance policy. For detailed policy wording kindly refer
respective Insurance Company website
We hope that you were satisfied with all the insurance company options that were presented to you by your dealer and policy was
issued as per your choice of insurer
Meeting your life͛s money needs

Our purpose at Aditya Birla Capital is to make money matters simpler to understand to help you live the life you imagined. Therefore, all
ƚŚĞĮŶĂŶĐŝĂůƐĞƌǀŝĐĞƐďƵƐŝŶĞƐƐĞƐŽĨĚŝƚLJĂŝƌůĂ'ƌŽƵƉǁŝůůŶŽǁƐĞƌǀĞ/ŶĚŝĂĂƐŽŶĞďƌĂŶĚʹAditya Birla Capital. One trusted name you can
rely on to understand and meet all your money needs throughout your life.
While you have availed our Protecting solution through Motor Insurance under the Royal Enfield Secure Program, Aditya Birla Capital
ĂůƐŽŽīĞƌƐƚŽŚĞůƉLJŽƵŝŶ/ŶǀĞƐƚŝŶŐƉƌƵĚĞŶƚůLJĨŽƌLJŽƵƌĨƵƚƵƌĞƚŽĞŶĂďůĞLJŽƵƚŽůŝǀĞƚŚĞůŝĨĞLJŽƵĂƐƉŝƌĞ͖&ŝŶĂŶĐŝŶŐLJŽƵƌůŝĨĞ͛s immediate
desires and fueling your ambitions without having to wait; and in Advising the right solutions for your needs throughout your life.

We assure you of the best customer service always. Looking forward to a long and successful journey ahead!

Yours Sincerely,

Aditya Birla Insurance Brokers Limited

 ICICI Lombard General Insurance Co. Ltd.
Standalone Own Damage Two wheeler Insurance POLICY CUM RECEIPT (Product Code:3005/O)
(FORM 51 OF THE CENTRAL MOTOR VEHICLE RULES, 1989) UIN: IRDAN115RP0002V02201920
OD Policy No 3005/O/RF-19775066/00/B00 Proposal No. & Date P29534159, 04 Nov 2024
Policy Issued On 04 Nov 2024 2:03PM Period of Own Damage Cover 04 Nov 2024 2:03PM to 03 Nov 2025 11:59PM(Midnight) 1 Year

Insured Name MR. SHIVANSHU GAUTAM Previous Policy No. 3005/O/RF-18581155/00/000

Insured Add. 621 , SOFIPUR, MEERUT, R.A.BAZAR, MEERUT , Previous Insurer ICICI Lombard General Insurance Co. Ltd.
MEERUT , UTTAR PRADESH-250001 GSTIN :NA
Servicing Office of Insurer Chamber I, Fourth Floor, Eldeco Corporate, Gomti Nagar, Lucknow, Uttar Pradesh 226024, LUCKNOW , UTTAR PRADESH-226024 State Code-09
PAN: NA GSTIN: 09AAACI7904G1ZL
Make Model Variant Cubic Capacity Manufacturing Year Seating capacity
Royal Enfield Motors India Ltd. NEW CLASSIC 350-CLASSIC 350 DARK STEALTH BLACK 349 2022 2
Body Type Registration No. RTO Hypothecation/Lease* Fuel Type Chassis No.
BIKE UP 15 DX 2213 MEERUT Yes PETROL ME3J3C5FFN2004564
Vehicle IDV Elec. Accessories Non-Elec. Accessories CNG/LPG Kit Total IDV Engine No.
152,313 0 0 0 152,313 J3A5FFN2644444
Liability Policy Insurance Liability Policy Start
Liability Policy No. Liability Policy End Date
Comp. Date
ICICI Lombard General
3005/RF-17625346/00/000 28 Oct 2022 27 Oct 2027
Insurance Co. Ltd.
Schedule of Premium (Amount in Rs.)
Own Damage Premium (A)
Basic Premium Amount (Rs.) Discounts Amount (Rs.)

Vehicle 1,207 Voluntary Deductibles (0) (IMT-22A) 0

Non-Elec. Accessories 0 Anti Theft Device (IMT-10) 0
Elec. Accessories (IMT-24) 0 AA Membership (IMT-8) 0
Sub Total (Basic Premium) 1,207 No Claim Bonus (20%) 242
IMT 33 0 Sub Total (Discounts) 242
Add On (NIL DEP) 1,524
Geographical Area Extension (IMT-1) 0
Sub Total-Addition 2,731 Net Own Damage Premium (A) 2,489
SGST(9.00%) 225
CGST(9.00%) 225

Gross Premium Paid 2,939

Addon UIN: NIL DEP - IRDAN115RP0002V01201920/A0003V01201920
Note: 1.Policy issuance is subject to realization of cheque
2.The Stamp duty µpaid vide deface no. CSD372024252885 dated 15/07/2024. Note: This challan number is not applicable for Jammu & Kashmir policies.

3.The policy is subject to compulsory deductible of Rs.100 (IMT-22)

4.Geographical Area-India
*Subject to IMT Endt. Nos.& Memorandum:,22,7
Insured Declared Value :
The schedule of age-wise insured declared value(IDV) as shown in the below table is applicable for the purpose of Total loss including Theft/Constructive Total Loss(TL/CTL) claims only on basis of loss
date falling in the respective year. A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and/or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of
the IDV.
Tenure 04 Nov 2024 to 03 Nov 2025 - - - -
Total IDV 152313 0 0 0 0
Limitations as to use: The policy covers use of the vehicle for any purpose other than (1) Hire or Reward (2) Carriage of goods (other than samples or personal luggage) (3) Organized racing (4) Pace
making (5) Speed testing (6) Reliability trials (7) Any purpose in connection with motor trade.
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 Vehicles Rules, 1989".
Note: This policy covers damages to vehicle only and not the Third Party losses. Third Party cover is taken by the customer in previous policy, details of which are as per the customer declaration only.
Customer needs to ensure that there is a valid TP cover at all times.³Own Damage Cover is subject to a valid Third Party Policy.´This Policy covers only Own Damage Risk with no other liability in
connection with Two Wheeler vehicle including third party cover and is issued basis the following : Third party Policy no. ±RF-17625346/00/000, valid from 28 Oct 2022 to 27 Oct 2027, Insured by
ICICI Lombard General Insurance Co. Ltd..
No Claim Bonus: No Claim Bonus is subject to no claim on the previous policy. Benefits under the policy stands forfeited if claim is/was made in previous policy
Grievance Clause: For resolution of any query or grievance, you may contact us on our toll free no. 1800 2666, or visit any of our branch offices. You can also wrote to us at
[email protected]. For detailed grievance redressal mechanism please visit the 'Grievance Redressal' on our website www.icicilombard.com.
Hypothecation Details: IDFC FIRST BANK LTD. , - MEERUT MISP Name - MOTO RIDERS,MISP Code - AB-MRE000215
,DP Name: AKASH KUMAR SAINI,DP Code: AB-DPRE000213-0954
Registered Office of Insurer : ICICI Lombard House, 414,Veer Savarkar Marg,Prabhadevi,,MUMBAI , MAHARASHTRA-400025
IRDAI Registration No.: 115 CIN: L67200MH2000PLC129408
Important Notice: The insured is not indemnified, if the vehicle is used or driven otherwise than in accordance with the schedule.
SAC 997134 Description of Service : Motor Insurance Place of Supply : UTTAR PRADESH(State Code-09) Insurer Invoice Number : 18112441145
For & On Behalf of ICICI Lombard 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 World Centre, Tower-1, 7th floor, Jupiter Mill
Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013. Tel. No.: +91 22 43568585. Fax: +91-22-4356 8511 License Number: 146 CIN: U99999GJ2001PLC062239 . Broker Code
:10000001926

Receipt No. - 18112441145,Payment Mode - APD

The Compulsory Personal Accident cover has not been opted in this policy as the Owner driver has a separate existing Personal Accident cover against Death and Permanent Disability (Total and Partial)
for Sum Insured of at least Rs.15 lakhs.
For Renewal/Claims assistance - please contact Insurance.Co./Broker through : SMS "CLAIM" TO 575758 /MOTO RIDERS MEERUT at 084-76900094

1. It is hereby declared and agreed that any damages pre-existing ,any losses occured & any liability having been insured,prior to the communication of cover under this policy
are excluded from the scope of this policy
2. Updating Registration Number of Vehicles within 15 days of policy inception is MANDATORY as per IRDA. Kindly provide the same to your agent/Our call centre/Policy
issuing branch (Applicable for policies booked without Registration No of vehicles)
As a responsible broker, we take a complete systematic approach to ensure that the IDV for the vehicle of age exceeding 5 years would be determined mutually by insurer
motor insurance opted by you meets their requirements and triggers the best way at and insured.
the time of need. Schedule of depreciation for fixing IDV of the vehicle
Policy Cover - 50% for all rubber/nylon/plastic parts, tyres, tubes, batteries and air bags
- Loss or damage to your vehicle or the accessories due to: - 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. 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
Man-made Calamities: depreciation.(Applicable for policies with risk inception date on or after 1st February
- Burglary, theft, riot, strike, malicious act, accident by external means, terrorist 2013).
activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, etc. For all other parts depreciation rate is applicable as following:

Age of the vehicle % of Depreciation

Not exceeding 6 months Nil
Exceeding 6 months but not exceeding 1
5%
year
- Any damage caused to the property Exceeding 1 year but not exceeding 2
10%
- Towing Charges as applicable years
Exceeding 2 years but not exceeding 3
15%
years
Exceeding 3 years but not exceeding 4
25%
years
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 opting higher voluntary excess Add On Cover
- Discount for installation of approved anti-theft devices
- Discount for AAI membership Addon Cover(s): If opted, the benefits and exclusions applicable as per insurance
- Depreciation is applicable company's rules & regulations. Coverage Details : Nil Dep- Nil Depreciation , RTI-
for the parts needing replacement in accident Return To Invoice, EP-Engine Protect, EME- Emergency medical expense The details
furnished above do not constitute the entire terms & conditions. For details please
What is not covered in the Policy? refer to insurance company's Policy Document on insurance company's website:
- Mechanical/Electrical breakdown, manufacturing defect www.icicilombard.com
- Consequential loss, depreciation, wear & tear
- Any contractual liability
- Intoxicated driving
- Deliberate accidental loss
- Damages due to nuclear weapons material or war
- Accidents outside the Geographical Area
- Policy Excess

Schedule of Depreciation
Schedule of depreciation for fixing IDV of the vehicle

Disclaimer: The Policy shall be void from inception if the premium in full is not realised by the company. In the event of misrepresentation, fraud, or non-disclosure of material
fact, the Company reserves the right to cancel the Policy. Please note that the insured vehicle was pre-inspected and a report was prepared accordingly. The existing damages to
the vehicle as mentioned in the report shall not be paid by the Company. The policy is issued basis the information provided by you, which is available with the company. In
case of discrepancy or non-recording of relevant information in the policy, the insured is requested to bring the same to the notice of the company within 15 days. GST for this
invoice is not payable under reverse charge basis.
Transcript Declaration : In case disagreement or objection or any other changes with respect to information and contents mentioned herein above, please contact our toll-free
number and register your objections / changes / disagreement to the conte nt of this transcript or you may also send us email or written correspondence at the following details
within a period of 15 days from date of your receipt of this transcript along.
Anti rebate clause : Prohibition of Rebates (Section 41 of Insurance Act, 1938 as amended) : 1. No person shall allowo r offer to allow, either directly or indirectly, as an
inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the
commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate
as may be allowed in accordance with the published prospectuses or tables of the insurer: provided that acceptance by an insurance agent of commission in connection with a
policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of
such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. 2. Any person making default
in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

Age of the vehicle % of Depreciation PUC Clause:

Not exceeding 6 months 5%

Exceeding 6 months but not exceeding 1
15%
year
Exceeding 1 year but not exceeding 2
20%
years
Exceeding 2 years but not exceeding 3
30%
years
Exceeding 3 years but not exceeding 4 Additional Deductible: For multi-year policy (2/3 Years),Rs 500 or 5% of the claim
40%
years value whichever is lower for third admissible claim in the policy tenure.
Rs 1000 or 10% of claim value whichever is lower for 4th or subsequent admissible
Exceeding 4 years but not exceeding 5 claims during the policy tenure.
50%
years