Relax. We've got you covered.

MIRZA SAMEEM BAIG

17-1-178/11 SRI NAGAR MADANNAPET
Hyderabad 500001, Telangana
Contact: +91 7995861894

Dear MIRZA,

A warm welcome from all of us.

You've made a great choice by selecting Zuno Private Car Liability Only Insurance . Your Policy No. is
402000196720.

We're going to do our best to provide you amazing service at all times. Count on us to always give you the full
picture, and to be completely fair and honest.

After reading this letter, do take a little time to download and go through the relevant policy information on our
website www.hizuno.com. It will help you know all the important details of the cover you now enjoy. We know
that insurance documents can make simple things sound difficult, but we really think you should read them,
because this is important!

The above information bears the main features and benefits, of course, and just as importantly, the features
which are not covered under your policy

You can download the relevant policy information by following the steps given below:
• Visit www.hizuno.com
• Visit product page
• Select the desired product
• Download the relevant policy information

We're just a call or an email away if you need to ask us something.

Write to us at support@hizuno.com or call us at 1800 12000.
Once again, we're delighted to have you with us.

Warm regards,

Shubhdarshini Ghosh
Executive Director & CEO

Zuno General Insurance Lim ited, (Formerly know n as Edelw eiss General Insurance Company Limited) Registered Office: 2nd Floor,
Tow er 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:
U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free), 022 42312000 (Call charges applicable) Email: support@hizuno.com,
Website: w w w .hizuno.com, Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal Officer: +91 22 4231 2022, Dedicated Toll-Free
Number for Grievance: 1800 120 216216. Trade logo displayed above belongs to Zuno General Insurance Limited under license.
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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
Objects in this document
are simpler than they seem.
Zuno Private Car Liability Only Insurance

Policy Schedule
Intermediary name: Policy Bazaar Insurance brokers Pvt Ltd
Intermediary reference code: 2210002570 Contact: 18002585970

Policy Details
Policy Servicing Office: MUMBAI Policy No. 402000196720
Period of Insurance: From 12:01:00 of 14/05/2024 to 23:59:00 of 13/05/2025
Insured's Name: MIRZA SAMEEM BAIG Insured's GST No.:
Insured's Address: 17-1-178/11 SRI NAGAR MADANNAPET Hyderabad 500001, Telangana
Insured's ID: 1002759847 Policy Issued On: 11/05/2024
Co-insurance Details: N.A Geographical Area: India
Proposal/Cover Note No.: 388337260 Zone: B

We love your car, too.

Here are your car's important details. Please check if you've provided the correct ones?

Vehicle details
Registration Seating
mark Year of capacity
Engine No. Chassis No. Make Model Variant CC
& place of manufacture including
registration driver
AP27J0007
ONGOLE /
LF50110814
CHIRALA / 2L9839B32 TOYOTA QUALIS FS 2446 2004 10
7
MARKAPUR /
PRAKASAM

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 How have we worked out your premium?
'Liability' means the damage to someone else.

Liability
Base Premium including Premium for TPPD ₹ 7897.00 Add:
Total ₹ 7897.00 PA
PA Owner Driver ₹ 220.00
Sub Total (additions) ₹ 220.00
Legal Liability
Legal Liability To Paid Drivers ₹ 50.00
Sub Total (additions) ₹ 50.00
Total liability premium ₹ 8167.00
CGST @9% ₹ 735.03
SGST @9% ₹ 735.03
Final premium ₹ 9637.06

P.A. Cover for Owner - Driver under section III (CSI) - ₹ 1500000

Note:- ​A s per Section 34(2) of the CGST Act 2017, GST will not be refunded/adjusted for any cancellation / endorsement/ deletion/refund after 6
months from the end of the previous financial year in which the policy was issued​.

Did you love someone else before we met?

It's OK, we'll deal with it. Here are the details of your last insurer.

Previous Insurer: Bharti AXA General Insurance Company Limited.

Previous Policy No.: ABC123 Expiry on: 10/02/2024

Who's your nominee?

It's always good to have a Nominee, and you did the right thing by naming one. Given below are the details.

Name and Age of Nominee: LEGEL HEIR & 40 years Relationship with Insured: Spouse
Name of Appointee (If Nominee is minor): NA
Relationship of Appointee with Nominee: NA

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 Red, orange or green?
What kind of loss/damage is covered, and what isn’t? As a thumb rule here, are a few things you should remember.

Use of the vehicle:

The Policy covers the use of the vehicle for any purpose except Motor Trade, hiring or rew ard, carrying goods (other than samples or personal
luggage), organized racing, pacemaking, speed testing, teliability trials etc.
Who can drive?
The driver can be anybody including the insured, provided he/she holds an effective driving license at the time of the accident and is not
disqualified from holding a driving license. How ever, the driver must satisfy the requirements of Rule 3 of the Central Motor Vehicles Rules, 1989.
Loss/damage to others:
Section II-1 (i) of your policy, covers you for liability for an amount of `6,000/ in case of loss/damage to someone else’s property, or unlimited liability
for injury/death to other third parties in case you have an accident.

This is most important! Slow down here.

Although w e’d love to cover your vehicle w ithout exception, w e can’t. Your policy covers loss to your vehicle only if all the terms are met.
And any payment w e make because of terms appearing in this schedule or to comply w ith the Motor Vehicles Act, 1988, isrecoverable from you.
You should definitely read the clause, 'Avoidance of certain terms and right of recovery' in your policy w ording. Warranted that the Assured named
herein/ow ner of the vehicle insured holds a valid Pollution Under Control (PUC) Certificate on the date of commencement of the Policy and renew s
and maintains valid and effective PUC Certificate during the duration of the Policy period. If the PUC is not found valid on the date of loss, the
company shall repudiate any claim made under the Policy.
Please make sure that the vehicle details mentioned in your policy are correct, regarding the make, model, number of w heels, usage, tonnage, etc
of your vehicle. If any of these details do not match, it w ill count as fraud, and your policy w ill stand cancelled right from the start. If there's any
such mistake in your Policy Schedule/Document, let us know w ithin 15 days of getting it.
Subject to I.M.T. Endt. Nos. & Memorandum , IMT - 22 A printed/attached here.
Date of duly signed proposal 11/05/2024 .
In Witness w hereof this Policy has been signed at: Mumbai on this 11th day of May 2024;
Receipt No. Date 11/05/2024
Consolidated stamp duty paid vide Letter of Authorisation No. CSD/02/2023/4267/2023 dated 25-Oct-2023 at General Stamp Office, Mumbai .
Received premium payment of ₹ 9637.06. vide instrument / reference number PB94066245. dated 11/05/2024 . against receipt number .
It is certified that your Policy and this Schedule have been issued according to the provisions of Chapter X and Chapter XI of the Motor Vehicles
Act, 1988.

Tax is not payable under reverse charge by the recipient

GST Registration No.: 27AAECE2328J1ZO HSN/SAC Code: 997134
Description of Goods or Service: General Insurance Service Place of Supply
State: 40 Code: 40

We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified
under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of the said sub-rule.

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 Address of Issuing Office: 2nd Floor, Tower 3, B Wing , For Zuno General Insurance Limited
Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (W),
Digitally signed by DS ZUNO GENERAL INSURANCE LIMITED
Mumbai 400070 Date: 2024-05-11
Date of Issue: 11/05/2024 Reason: Authentication
location: Mumbai

Authorized Signatory

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
TRANSCRIPT OF THE PROPOSAL
Product Details Valid from (dd-mmm-yyyy) 14/05/2024
Product Name Private Motor Car Multiyear Valid to (dd-mmm-yyyy) 13/05/2025
Product Type Liability Only Fitness Cerficate Valid upto NA
Business Type Rollover Previous History
Proposal Details Date of Purchase NA
Gender Male Vehicle was New or Second Hand at the Used Car
Proposer Title time of purchasee
Proposer Name MIRZA SAMEEM BAIG Vehicle be used exclusively for NA
Proposer DOB Private,Social, Domestic, Pleasure &
17-1-178/11 SRI NAGAR
Proposer Address with Pincode MADANNAPET , Hyderabad Professional Purpose
500001, Telangana
Contact Number 7995861894 Carriage Goods other than sample or NA

Email ID personal luggage

spotinsurance247@gmail.com
PAN Number NA Vehicle in Good Condition (Yes/No) NA
GST Number NA If No (Not in Good Condition) - Details NA
Occupation Has any company, in respect of the
Policy Period (OD) risk to which this Proposal relates NA
Policy Start Date ever
Policy Start Time A) Declined a proposal, refused NA
Policy End Date renewal or terminated insurance NA
Policy End Time B) Required an increased premium or NA
Policy Period (3 Year TP) imposed special conditions
Policy Start Date 14/05/2024 Detail if A or B selected as "Yes" NA
Policy Start Time 00:00:00 Previous Insurance Detail
Bharti AXA General
Policy End Date 13/05/2025 Insurer Name
Insurance Company Limited.
Policy End Time 23:59:59 Policy Number ABC123
Policy Period (CPA) Policy Expiry Date 10/02/2024
Policy Start Date 14/05/2024 Type of Cover PA Compulsary Contract
Policy Start Time 00:00:00
Policy End Date 13/05/2025 Claim Lodged NA
Policy End Time 23:59:59 Claim Year NA
Vehicles Details Number of Claims NA
Registration Number AP27J0007 Claim Amount NA
ONGOLE / CHIRALA /
Registration Place Nom inee Details
MARKAPUR / PRAKASAM
Registration Date 19/05/2004 Nominee Name LEGEL HEIR
Engine Number 2L9839B32 Nominee Age 40
Chassis Number LF501108147 Realtionship with Proposer Spouse
Vehicle Make TOYOTA Date of Birth 11/05/1984
Vehicle Model and Variant QUALIS & FS Name of the Appointee (for Minor) NA
Cubic Capacity / GVW / HP 2446 Relationship to the Nominee NA
Seating Capacity (Including Driver) 10 Insured Declared Value (IDV)
Carrying Capacity 10 Vehicle IDV 0.00
Colour Non Electrical Accessories IDV 0.00
Fuel Type Diesel Electrical Accessories IDV 0.00
Body type Saloon Trailer IDV 0.00
Year of Manufacture 2004 Fuel Value (CNG / LPG) IDV 0.00
Transmission Type Gear Fuel discerption for
Vehicle Usage Non Conventional Source
Car Parking Place Proposed Coverage
Financier Details Type of Cover
Financier Type Geographical Area Extn. yes

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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718
 Financier Name Geographical Area India
Financier Address Imported Vehicles without
PUC Details Custom Duty
PUC Number Fibre Glass Tanks

Vehicle Used for Driving Tuition No Loss /Cost

Name of Automobile Association N Circumstance Of Accident / Loss
Membership No Addon Cover
Date of expiry of membership Consumable Expenses Protect
Annual Mileage 10000 - 20000 Km Key and Locks Protect
Voluntary Discount NCB Protect
Anti-Theft Discount 0 Mandatory Deduction Protect
Auto Mobile Association Discount 0 Personal Belongings Protect
Vintage Car Depreciation Protect
Used Confined to Own Premises Discount Engine Protect
Handicapped Discount Invoice Value Protect
Restricted TPPD Emergency Medical Expenses Protect
Owner Driver Road Side Assistance
PA Unnam ed Passenger SI Pillion Protect
PA Unnamed Passenger Number Personal Accident Protect
PA Named Passenger Number Tyre Protect
PA Named Passenger - Name EMI Protect
PA Named Passenger - CSI Key and Locks Protect Plus
PA Named Passenger - Nominee Consumables Expenses Protect Plus
PA Named Passenger - Relations Basic Coverage (Battery Protection)
Legal Liability To Employees Number Pay as You Drive
Legal Liability To Paid Drivers 50.00 Pay How You Drive
Legal Liability To Other than Paid Drivers Paym ent Details
Legal Liability To Employee who are not
Payment Mode Net Banking
"Workman"
Driver Details Instrument Date 11/05/2024
Driver Name Instrument / Reference Number PB94066245
Driver Relationship with the Proposer SELF Premium Amount 9637.06
Driver Date of Birth Interm ediary Details
Policy Bazaar Insurance
Driver Occupation Intermediary Name
brokers Pvt Ltd
Experience - No. of Driving Years 1 Intermediary Reference Code 2210002570
Driver Suffer from Defective vision or
Intermediary Contact Number 18002585970
Hearing or any Physical Infirmity
Infirm ity Details Intermediary Email
Involved / Convicted For Causing Any Intermediary Sales Person's Name
Accident/Loss Intermediary Sales Person's Contact
Pending Prosecutins Details Servicing Branch Name
Date Of Accident Servicing Branch Code

I do not want the physical copy of my policy documents.

I want the physical copy of the policy documents to be sent to my address, as mentioned in the proposal form
* These documents w ill figure in phyical form unless our system allow s upload of information. There should be a corresponding sentence in this
box and it should read as 'Documents related to and submited in pursuance to this proposal shall form part of this proposal.'
*The information, together w ith all statements, disclosure, representation and declaration, received from you (proposer), as has been reproduced
above, forms the basis of the insurance policy issued to you. Please inform us (insurer) immediately in case of any error or omission contained in
such information.

Proposal Transcript Generation Date:06/10/2023 Time:12:01:34

As a go-green initiative, Zuno General Insurance Co. Ltd. shall be sending the policy documents to your e-mail address, as provided by you in this
proposal form.
 Zuno General Insurance Limited
Acknowledgment of Premium Receipt

Registered Office Address: 2nd Floor, Tower 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla
(West), Mumbai 400070
Issuing Office Address: 2nd Floor, Tower 3, B Wing , Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla(W),
Mumbai 400070
Product Name: Private Motor Car
Policy No: 402000196720

Office Code: 13 Office location: Maharashtra

Receipt No: Receipt generation date/time: 11/05/2024

Intermediary/agency name: Policy Bazaar Insurance

Intermediary/agency code: 2210002570
brokers Pvt Ltd
Policyholder's ID: 1000127971 Name of policyholder/financier: MIRZA SAMEEM BAIG

Payment received from: MIRZA SAMEEM BAIG Mode of payment: Net Banking
Instrument/transaction No: PB94066245 Cheque drawn on:
Instrument date: 11/05/2024

Consolidated stamp duty paid vide letter of authorisation No. CSD/02/2023/4267/2023 dated 25-Oct-2023 at
General Stamp Office, Mumbai

Branch Address: Branch Address: 2nd Floor, Tower 3, B Wing , Kohinoor City Mall, Kohinoor City, Kirol Road,
Kurla (W),Mumbai 400070
Note: Premium amount is inclusive of GST.

Zuno General Insurance Lim ited, (Formerly know n as Edelw eiss General Insurance Company Limited) Registered Office: 2nd Floor,
Tow er 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai - 400 070, IRDAI Regn. No.: 159, CIN:
U66000MH2016PLC273758, Reach us on: 1800 12000 (Toll-Free), 022 42312000 (Call charges applicable) Email: support@hizuno.com,
Website: w w w .hizuno.com, Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal Officer: +91 22 4231 2022, Dedicated Toll-Free
Number for Grievance: 1800 120 216216. Trade logo displayed above belongs to Zuno General Insurance Limited under license.
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Zuno Private Car Liability Only Insurance | UIN: IRDAN159P0001V01201718