Motor Insurance-Private Car-Brochure (HDFC)

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1. For more details on risk factors, terms and conditions, please read the sales brochure before concluding a sale. T rade Logo displayed above belongs to HDFC Ltd. and ERGO I n t e r n a t i o n a l A G a n d u s e d b y H D F C E R G O G e n e r a l I n s u r a n c e C o m p a n y u n d e r l i c e n s e . C I N : U 6 6 0 3 0 M H 2 0 0 7 P L C 1 7 7 1 1 7 . U I N : M o t o r I n s u r a n c e - IRDAN125P0005V01200203 . IRDAI Reg No. 146. Printing Code: MT/BR/0026/Sept18. UID No. 620 MOT OR INSURANCE: PRIV A TE CAR Comprehensive cover for your vehicle Take it easy! Take it easy! HDFC ERGO General Insurance Company Limited st Registered & Corporate Of fice: 1 Floor , HDFC House, 165-166 Backbay Reclamation, H. T . Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd Floor , Eastern Business District (Magnet Mall), LBS Marg, Bhandup (W est), Mumbai - 400 078. Fax: 91-22-6638 3699 T oll-free: 1800 2700 700 (Accessible from India only) care@hdfcergo.com www .hdfcergo.com

2. Y our vehicle is one of your most prized possessions. With HDFC ERGO M o t o r I n s u r a n c e , y o u r v e h i c l e i s p r o t e c t e d a g a i n s t a n y u n f o r s e e n circumstances. Now , you can be rest assured of hassle-free service, backed by a network spanning 6000+ authorized workshops and end to end automated process which ensures fast track claim settlement. it ensures you to get back in driver ’ s seat quickly , no matter what happens to your vehicle. WHA T IS COVERED Own damage to the vehicle caused by: ¡ Accident external means ¡ Burglary , housebreaking or theft ¡ Fire, explosion, self-ignition,lighting ¡ T errorism, riots, strike or malicious act ¡ T ransit by road, rail, inland waterway , lift ¡ Earthquake, flood, storm, landslide, rockslide Personal accident cover for registered owner of the vehicle. Y ou can also opt for a personal accident cover for passengers as well as paid drivers. Third Party Legal Liability: Provides cover for any legal liability arising out of the use of the vehicle for: ¡ Accidental death / injury to any third party ¡ Any damage to property owned by third party Y our Policy also includes: Reimbursement of towing charges up to ` 1500 (Cars) or actual, whichever is lower . WHA T IS NOT COVERED ¡ General aging, wear and tear ¡ Damage by a person driving without a valid license ¡ Mechanical or electrical breakdown, failure ¡ Damage by a person driving under the influence of liquor or drugs ¡ Depreciation, any consequential loss ¡ Loss/damage attributable to war , mutiny ,nuclear risks ¡ Damage to tyres and tubes, unless damaged during an accident ¡ Loss/damage outside India NO CLAIM BONUS As an incentive for you to drive carefully , if no claim is made or pending during the preceding year(s), you get a discount. Period of Insurance % o f D i s c o u n t o n o w n damage premium Preceding Y ear 20% Preceding 2 consecutive years 25% Preceding 3 consecutive years 35% Preceding 4 consecutive years 45% Preceding 5 consecutive years 50% PRODUCT HIGHLIGHTS ¡ Estimate approval in 24 hours of vehicle reaching garage. ¡ Cashless claim service* at authorized network garages. ¡ T oll-free help line for any policy queries and claims intimation. ¡ V alue-added services like towing / ambulance / claim assistance, on a best-ef fort basis. ¡ Hassle free claim settlement. In short, you can trust HDFC ERGO to get you back in the driver ’ s seat quickly . Because we provide you with not just comprehensive insurance but also comprehensive assistance, whenever you need it. * Condition apply PROHIBITION OF REBA TES - Section 41 of the Insurance Act, 1938 as amended by Insurance Laws (Amendment) Act, 2015: 1. No person shall allow or of fer 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 r e b a t e a s m a y b e a l l o w e d i n a c c o r d a n c e w i t h t h e p u b l i s h e d 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 ` 10 Lakhs.

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