DriveAssureEconomyTermsandConditions

1. Mainfeatures&CoveragesunderDriveAssureEconomy DepreciationShield EngineProtector 24X7SpotAssistance

2. TermsandConditionsindetail 2.1 DepreciationShield A. EndorsementWordings

Inconsiderationofpaymentofadditionalpremium,itisherebyagreedanddeclaredthatthisPolicyextendsto cover the depreciation amount, partly or fully, on assessed damaged parts allowed for replacement during repairsintheeventofaPartialLosstotheInsuredVehicle. Intheevent Youhaveoptedforcompulsoryorvoluntarydeductible,Yourcontributionshallbetotheextent agreedbyYouasshownintheScheduleforthedeductibleamountpayableontheassessedpartsforeachand everyPartialLossclaim. The benefits under Depreciation Shield would be available only if the Insured Vehicle is repaired at Our authorizedworkshops.IncaseYouhaveoptedtorepairtheInsuredVehicleatanonauthorizedworkshop,Our liabilitywillberestrictedto90%oftheassessedtotalclaimamountunderthiscover.

B. Conditions
a. ClaimsmadebyYouagainstUsunderDepreciationShieldaresubjecttothetermsandconditionsset forthundertheMotorInsurancePolicy b. In case of transfer of ownership of the Insured Vehicle, the cover under Depreciation Shield shall expire c. ThebenefitsunderDepreciationShieldcanbeutilizedforamaximumoftwotimesduringthePolicy Period

C.

Exclusions

InadditiontotheexclusionsmentionedunderMotorInsurancePolicy,WewillnotbeliabletoindemnifyYou forthefollowingevents: 1. Where the Own Damage Claim made by You against Us under the Motor Insurance Policy is not payable 2. Depreciationpertainingtoanypart/subpart/accessoriesnotapprovedforreplacementbyUsunder MotorInsurancePolicy 3. Lossordamagetotyresand/orbatteryoftheInsuredVehicle 4. ConsequentiallossofanykindarisingoutofclaimslodgedunderDepreciationShield 1

5. Wherealossiscovered underMotorInsurance Policyoranyothertypeofinsurance policywithany otherinsurerormanufacturerswarrantyorrecallcampaignorunderanyothersuchpackagesatthe sametime If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of provingthattheydonotapply.

D.

Definitions

ThewordsandphraseslistedhavespecialmeaningsWehavesetbelowwhenevertheyappearinboldtypeand initial capitals. Please note that references to the singular or to the masculine also include references to the pluralortothefemalethecontextpermitsandifappropriate. 1. You,Your,Yourself:ThepersonorpersonsWeinsureassetoutintheSchedule 2. We,Our,Us:BajajAllianzGeneralInsuranceCompanyLimited 3. Accident,Accidental:Asudden,unintendedandfortuitousexternalandvisibleevent 4. Policy/MotorInsurancePolicy:PrivateCarPackagePolicyissuedbyUstowhichthiscoverisextended 5. Insured Vehicle: The vehicle insured by Us under the Motor Insurance Policy and as shown on the Schedule 6. PolicyPeriod:Theperiodbetweenandincludingthecommencementdateandexpirydateasshownin theMotorInsurancePolicySchedule 7. Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your personal details andtheinsurancecoverinforce 8. OwnDamageClaim:TheclaimsraisedbyYouagainstUsforlossordamagetotheInsuredVehicledue totheperilsmentionedunderSection1ofMotorInsurancePolicy 9. TotalLoss/ConstructiveTotalLoss:AlossundertheMotorInsurancePolicywheretheaggregatecost ofretrievaland/orrepairoftheInsuredVehicle,subjecttotermsandconditionsofthePolicy,exceeds 75%oftheIDVoftheInsuredVehicle 10. PartialLoss:Anylossfallingintoacategoryotherthan (a)thelossmentionedunderSr.No.9aboveand (b)theftoftheInsuredVehicle 2.2

EngineProtector

A. EndorsementWordings
Inconsiderationofpaymentofadditionalpremium,itisherebyagreedanddeclaredthatthisPolicyextendsto covertheconsequentialdamagetotheinternalchildpartsoftheengineoftheInsuredVehiclearisingoutof water ingression/ leakage of lubricating oil and/or damage to gear box of the Insured Vehicle arising out of leakageoflubricatingoilduetoAccidentalmeans.Underthiscover,WewillcompensateYouforthefollowing: a. Repairorreplacementoftheinternalchildpartsoftheenginesuchaspistons,connectingrods,crank shaftandcylinderhead b. Repair or replacement of the internal parts of the gear box such as gears or shafts in the gear box housing c. LabourcostincurredbyYoutooverhaulthedamagedengineandgearbox

B. Conditions
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a. ClaimsmadebyYouagainstUsunderEngineProtectoraresubjecttothe conditionssetforthunder theMotorInsurancePolicy b. ClaimsmadebyYouagainstUsunderEngineProtectorwouldbeadmissibleif: ThereisevidencethattheInsuredVehiclestoppedinwaterloggedarearesultingintodamagetothe internalpartsoftheengineduetowateringression There is evidence of under carriage damage to engine and/or gear box leading to oil leakage and resultingintodamagetointernalpartsoftheengineand/orgearbox c.ThelossordamageisnotpayableunderMotorInsurancePolicy d.IncaseoftransferofownershipoftheInsuredVehicle,thecoverunderEngineProtectorshallexpire

C. YourObligations
a. You should avoid driving the Insured Vehicle through water logged area as far as possible. If it is unavoidable,thevehicleshouldbedriveninlowgearand/orhighengineRPMs b. YoushouldnottrytocrankorpushstarttheengineoncetheInsuredVehiclehadstoppedinthewater loggedareaorundercarriagedamagehadtakenplace c. YoushouldintimateOurnearestofficeforspotsurveyandtoobtainhelpfromanexperttechnician D. Exclusions WewillnotbeliabletoindemnifyYouforthefollowing: 1. Where a loss is covered under any other type of insurance policy with any other insurer or manufacturerswarrantyorrecallcampaignorunderanyothersuchpackagesatthesametime 2. Any consequential loss apart from the damage to the internal child parts of the engine due to water ingression/leakageoflubricatingoiland/ordamagetogearboxarisingoutofleakageoflubricatingoil duetoAccidentalmeans 3. Costofengineoilandconsumablesincaseofflushingofengine 4. LossordamageincludingcorrosionofengineduetodelayinintimatingUsordelayinretrievalofthe InsuredVehiclefromthewaterloggedarea 5. WherereasonablecarehasnotbeentakenbyYoutoprotectthelossordamagetotheInsuredVehicle If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of provingthattheydonotapply.

E. Definitions
ThewordsandphraseslistedhavespecialmeaningsWehavesetbelowwhenevertheyappearinboldtypeand initial capitals. Please note that references to the singular or to the masculine also include references to the pluralortothefemalethecontextpermitsandifappropriate. 1. 2. 3. 4. 5. 6. 7. You,Your,Yourself:ThepersonorpersonsWeinsureassetoutintheSchedule We,Our,Us:BajajAllianzGeneralInsuranceCompanyLimited Accident,Accidental:Asudden,unintendedandfortuitousexternalandvisibleevent Policy/MotorInsurancePolicy:PrivateCarPackagePolicyissuedbyUstowhichthiscoverisextended InsuredVehicle:ThevehicleinsuredbyUsundertheMotorInsurancePolicy IDV:InsuredsDeclaredValue(SumInsured)oftheInsuredVehicleundertheMotorInsurancePolicy TotalLoss/ConstructiveTotalLoss:AlossundertheMotorInsurancePolicywheretheaggregatecost ofretrievaland/orrepairoftheInsuredVehicle,subjecttotermsandconditionsofthePolicy,exceeds 75%oftheIDVoftheInsuredVehicle 3

8. PolicyPeriod:Theperiodbetweenandincludingthecommencementdateandexpirydateasshownin theMotorInsurancePolicySchedule 9. Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your personal details andthetypeofinsurancecoverinforce 10. OwnDamageClaim:TheclaimsraisedbyYouagainstUsforlossordamagetotheInsuredVehicledue totheperilsmentionedunderSection1ofMotorInsurancePolicy

2.3 24x7SPOTASSISTANCE

A. EndorsementWordings
In consideration of the payment of additional premium, it is hereby agreed and declared that You shall be entitledtooneormoreofthebelowmentionedbenefitsdependingontheplanoptedbyYouandasshownon theSchedule: a) FlatBattery:IntheeventoftheInsuredVehiclebeingimmobilizedduetoaflatbattery,Wewillmake alternative arrangements to make the Insured Vehicle mobile again provided the event has occurred within100kilometersfromthecenterpointofthecityofYourresidenceandtheInsuredVehiclehas notreachedaworkshop/repairer b) SpareKeys:IntheeventofYoulosingkeysoftheInsuredVehicle,Wewillarrangeforthepickupand deliveryofsparekeystothespotwheretheInsuredVehicleislocatedprovidedtheeventhasoccurred within100kilometersfromthecenterpointofthecityofYourresidenceandtheInsuredVehiclehas notreachedaworkshop/repairer c) FlatTyre:IntheeventoftheInsuredVehiclebeingimmobilizedduetoflattyres,Wewillarrangeforthe refilloftheflattyresand/orreplacementoftheflattyreswithausablesparetyretomaketheInsured Vehicle mobile again provided the event has occurred within 100 kilometers from the center point of thecityofYourresidenceandtheInsuredVehiclehasnotreachedaworkshop/repairer d) Minor Repairs: In the event of the Insured Vehicle being immobilized due to mechanical and/or electrical breakdown, We will arrange for minor mechanical and/or electrical repairs to make the Insured Vehicle mobile again provided the event has occurred within 100 kilometers from the center pointofthecityofYourresidenceandtheInsuredVehiclehasnotreachedaworkshop/repairer e) TowingFacility:IntheeventoftheInsuredVehiclegettingimmobilizedasaresultofAccidentand/or breakdown,WeshallarrangefortowingawayoftheInsuredVehiclefromthespotofimmobilizationto Ournearestpreferredworkshopprovidedtheeventhasoccurredwithin100kilometersfromthecenter pointofthecityofYourresidence f) UrgentMessageRelays:IntheeventoftheInsuredVehiclegettingimmobilizedasaresultofAccident and/or breakdown, We will send urgent message on Your request to the specified persons through availablemeansofcommunication g) MedicalCoordination:IntheeventoftheInsuredVehiclemeetingwithanAccident,YoucancallUson our Toll Free Number, mentioned on the Schedule, to obtain details regarding the nearest medical centerthatcanprovideemergencyreliefservices h) FuelAssistance:IntheeventoftheInsuredVehiclebeingimmobilizedduetoanemptyfueltankand/or contaminatedfuel,Wewilleitherarrangeforsupplyof3litresofpetrolordieselonchargeablebasis and/or towing of the Insured Vehicle to Our nearest preferred workshop provided the event has occurred within 100 kilometers from the center point of the city of Your residence and the Insured Vehiclehasnotreachedaworkshop/repairer i) TaxiBenefits:IntheeventoftheInsuredVehiclemeetingwithanAccident/breakdown,Wewillarrange forafreetraveloftheoccupantsoftheInsuredVehicletoasingledestinationwithinavicinityof50 kilometersfromthespotofimmobilizationthroughataxioranyothertransportationserviceprovided theeventhasoccurredwithin100kilometersfromthecenterpointofthecityofYourresidenceandthe InsuredVehiclehastobetowedawaytoOurnearestpreferredworkshop. Anytravelbeyond50kilometerscanbecoveredonpaymentofadditionalamountasspecifiedbyUs. 4

In the unlikely event of We being unable to arrange for this service, We may request You to arrangeforataxitotransfertheoccupantsoftheInsuredVehicleonYourownandsubmitthe billsforaprecommunicatedamountforreimbursementtoUs.
j) AccommodationBenefits:IntheeventoftheInsuredVehiclemeetingwithanAccident/breakdown,We willprovideoccupantsoftheInsuredVehiclewithahotelaccommodationforonedayprovidedthe eventhasoccurredbeyond100kilometersfromthecenterpointofthecityofYourresidencebutwithin 100kilometersofanothercoveredcityandthetimetorepairtheInsuredVehiclewillexceed12hours fromthetimeofreportingtheincident. TheaccommodationbenefitswouldbeofferedsubjecttoaperdaylimitofRs.2000peroccupantanda maximum total limit of Rs. 16000 for all the occupants of the Insured Vehicle through out the Policy Period.

In the unlikely event of We being unable to arrange for this service, We may request You to arrangeforahotelaccommodationfortheoccupantsoftheInsuredVehicleonYourownand submitthebillsforaprecommunicatedamountforreimbursementtoUs.
k) LegalAdvice:IntheeventoftheInsuredVehiclemeetingwithanAccident,Youshallbeentitledfora freelegaladvicefromalegaladvisoroverthephoneforamaximumdurationof30minutes.Subsequent totheexpiryofthespecifiedperiodof30minutes, You maycontinuewiththesamelegal advisoron directpaymentbasis

B. Conditions
1. In case of transfer of ownership of the Insured Vehicle, the cover under 24x7 Spot Assistance shall expire 2. The benefits under 24x7 Spot Assistance can be utilized for a maximum of 4 times during the Policy Period except for Fuel Assistance, Taxi Benefits, Accommodation Benefits and Legal Advice for whichtheaggregateutilizationlimitis2timesduringthePolicyPeriod

C. Exclusions
WewillnotbeliabletoindemnifyYouforthefollowingevents:

1. Where the Insured Vehicle can be safely transferred on its own power to nearest dealer/workshop 2. AnyAccident,loss,damageand/orliabilitycaused, sustainedorincurredwhilsttheInsuredVehicleis 3.
beingusedotherwisethaninaccordancewiththelimitationsastouse Anyliability ofwhatsoevernature directlyorindirectly causedbyorcontributedto byorarisingfrom ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste fromthecombustionofnuclearfuel.Forthepurposeofthisexception,combustionshallincludeany selfsustainingprocessofnuclearfission AnyAccident,loss,damageand/orliabilitydirectlyorindirectlyorproximatelyorremotelyoccasioned by contributed to/by or traceable to or arising out of or in connection with war, invasion, the act of foreignenemies,hostilitiesorwarlikeoperations(whetherbeforeorafterdeclarationofwar),civilwar, mutinyrebellion,militaryorusurpedpowerorbyanydirectorindirectconsequencesofanyofthesaid occurrences Anylossordamagecausedduetoriots,strikesandActofGodperilslikeflood,earthquakeetc. Claimspertainingtotheftlosses Anyconsequentiallossarisingoutofclaimslodgedunder24x7SpotAssistance Wherealossiscovered underMotorInsurance Policyoranyothertypeofinsurance policywithany other insurer or manufacturers warranty or recall campaign or under any other such packages at the sametime 5

4.

5. 6. 7. 8.

9. Replacementcostofbatteryand/oranyassociatedrepaircost 10. Costofsupplyofpartsorreplacementselementsorconsumables 11. Repaircostoftyreand/orpartsorreplacementcostofanypartofconsumableatathirdparty

workshop/repairer

12. Anytaxes,levyandexpensesincurredinexcessofthelimitdescribedundertheplanoptedbyYou 13. LossofvaluablesandpersonalbelongingskeptintheInsuredVehicle 14. AnylossordamagetotheInsuredVehiclearisingoutofparticipationinamotorracingcompetitionor

trialruns 15. WhereitisprovedthatYouhaveabusedthebenefitsunder24x7SpotAssistance 16. Anylossordamagecausedduetopreexistingdamages 17. AnylossordamagearisingoutofinterventionofGovernmentAuthorizedAgencies,PoliceAuthoritiesor LawEnforcingAgencies 18. Any loss or damage resulting from the use of Insured Vehicle against the recommendations of the ownersmanualand/ormanufacturersmanual 19. AnylossresultingfromYourdeliberateorintentionaland/orunlawfulorcriminalact 20. Benefits under Taxi Benefits and Accommodation Benefits for occupants in excess of the seating capacityaspertheregistrationcertificateoftheInsuredVehicle 21. AdditionalcostincurredintowingtheInsuredVehicletoadealer/workshopasspecifiedbyYouinstead toOurspecifiednearestauthorizedworkshop 22. ServicesorganizedwithoutOurpriorconsentforthevariousassistanceservices 23. IfYouorYourpersonalrepresentativeisalreadyatagaragefordeliveryoftheInsuredVehicleoratthe placeofrecoveryincaseoftheft 24. Mechanical and/or electrical breakdowns that require replacement of spare parts and/or specialized tools/equipmentsthatareusuallyavailableonlyinautomotiveworkshops If You do not agree whether any of these exclusions apply to Your claim, You agree to accept the burden of provingthattheydonotapply.

D. Definitions
ThewordsandphraseslistedhavespecialmeaningsWehavesetbelowwhenevertheyappearinboldtypeand initial capitals. Please note that references to the singular or to the masculine also include references to the pluralortothefemalethecontextpermitsandifappropriate. 1. You,Your,Yourself:ThepersonorpersonsWeinsureassetoutintheSchedule 2. We,Our,Us:BajajAllianzGeneralInsuranceCompanyLimitedand/ortheServiceProviderwithwhom Bajaj Allianz General Insurance Company Limited has entered into a contract to provide the benefits underthiscovertoYou 3. Accident,Accidental:Asudden,unintendedandfortuitousexternalandvisibleevent 4. Policy/MotorInsurancePolicy:PrivateCarPackagePolicyissuedbyUstowhichthiscoverisextended 5. InsuredVehicle:ThevehicleinsuredbyUsundertheMotorInsurancePolicy 6. PolicyPeriod:Theperiodbetweenandincludingthecommencementdateandexpirydateasshownin theMotorInsurancePolicySchedule 7. Schedule: The Schedule and any Annexure or Endorsement to it which sets out Your personal details andthetypeofinsurancecoverinforce