Kotak Car Secure Documents

1. GeneralInsurance KotakMahindraGeneralInsuranceCompanyLtd. RegisteredOffice:27BKC,C27,GBlock,BandraKurlaComplex,BandraEast,Mumbai-400051.Maharashtra,India. KOTAKCARSECURE-BUNDLED AddOnCoverWordings 21-22/v1 2. ConsumablesCover: Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationof the paymentofanadditional premium bythe Insured, itisherebyagreed anddeclared that notwithstanding anything tothe contrarycontained inthe PolicytheCompanyhereby extendsthePolicytocoverexpensesincurredbytheInsuredin respect ofConsumableItems(asdefined below)intheeventofdamagetothe insuredvehicleand/ortoitsaccessories,arisingoutofanyperilas coveredunderthePolicy.ForthepurposeofthisEndorsement, ConsumableItemsshallmeanthosearticlesorsubstanceswhichhave specificusesandwhenappliedtotheirrespectiveusesareeither consumedtotallyor are renderedforcontinuousandpermanentuse. SuchConsumableItemswillincludenutandbolt,screw,washers, grease, lubricants clip,ac gas,bearings, distilledwater, engine oil,oil filter,fuelfilter,breakoilandthelike. ThefollowingAdd-onCoversareapplicableunderthePolicyonly if We havereceivedtheapplicablepremiumdueforthat Add-onCover in full andtheSchedulespecifiesthattheCoverisinforcefortheInsured Person. TheAdd-onCoversavailableunderthePolicyaredescribedbelow.Add- onCoverunderthisPolicywillbepayablesubjecttotheterms, conditions andexclusionsofthisPolicyandtheavailabilityoftheSum Insuredandsubjectalwaystoanysub-limitsspecifiedinrespectofthat Add-on Coverand any limitsapplicable undertheProductinforcefor theInsuredPersonasspecifiedintheSchedule. OurtotalliabilityforpaymentofanyandallClaimspertainingtothe respectiveAdd-onintheaggregateduring eachPolicyYearofthePolicy Periodshallnot exceed theSumInsuredfortherespectiveAdd-on: 1.DepreciationCover: Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationof the paymentofanadditional premium bythe Insured,itisherebyagreedandunderstood that notwithstanding anyothertermscontraryunderthePolicy,noamountsshallbe deductedbytheCompanyfordepreciationincaseofpartsreplacedon accountofdamagetotheinsuredvehicleand/ortoitsaccessories, arisingoutofanyperilcoveredunderSectionIofthePolicy. SpecialConditions: TheCompanyshallnotacceptanyclaimunderthisEndorsement, wherea claim under Section Iof the Policymade by Insuredwith the CompanyunderthePolicyisnotpayable. v1:Page1KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. ApplicableExclusions: The CompanyshallnotbeliableunderthisEndorsementinrespectof: SpecialConditions: ThiscoverunderthisEndorsementshallbeapplicabletothe numberof Own Damageclaimsasshown in the PolicySchedule duringthepolicyperiodandcommencingfromthepolicystart date;anysubsequentclaim(s)shallbesubjecttodeductionsfor depreciationattheratesmentionedinthePolicytermsand conditions.Thisaddonwouldbeapplicablefromthefirstsuch owndamage claimasreportedunderthepolicyuptothenumber ofOwnDamageclaimsasmentionedintheschedule. TheInsuredshallbeliable for theVoluntaryDeductibleamount,as optedbytheInsuredforthisEndorsementandspecifiedinthe Schedule,foreachandeveryclaimpayableunderthis Endorsement,whichshallbeapplicableinadditiontotheother deductiblesapplicableunderthePolicy. Consumablespertainingtoanypart/subpart/accessoriesnot approvedforreplacementbytheCompany. Consequentiallossof anykind. Inthe event of completeloss of the insuredvehicle(Constructive TotalLossorTotalLoss)asdeclaredunder thePolicy, nopayment shallbemadeunderthisEndorsement. WherelossiscoveredunderthePolicyoranyothertypeof insurancepolicy withanyotherinsurerormanufacturer’swarranty orrecall campaignorunderanyothersuchpackagesatthesame time. Anyclaimsrelatedtolossordamageduetowearandtear. Any claim whichis notified tothe Companyafter 30 daysof the happeningof lossor damageprovided that the Companymay,in itssolediscretion,condonethedelayinnotificationofclaimon meritiftheInsuredprovidestheCompanywiththereasonsfor delayinwriting. ApplicableExclusions: The CompanyshallnotbeliableunderthisEndorsementinrespectof: Depreciationpertainingtoanypart/subpart/accessoriesnot approvedforreplacementbytheCompanyunderthePolicy Nopaymentshallbemadeunderthisadd-onforcostof consumableslikenuts,bolts, grease,etc. Wherelossiscoveredundermanufacturer’swarrantyorrecall campaignorunderanyothersuchcoverageatthe sametime Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthePolicy. UIN:IRDAN152RP0010V01201819/A0018V01201819 3. EngineProtect: Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationofpaymentofanadditionalpremiumby the Insured,itisherebyagreedanddeclaredthatnotwithstandingany termscontrary underthe Policy,the Companyherebyundertakesto indemnifytheInsuredforexpensesincurredinrepairorreplacementof EngineParts,DifferentialPartsandGearBoxPartswhichbecomes necessaryduetoConsequentialDamagearisingoutofwater ingression/leakageoflubricatingoilwhichdirectlycauselossordamage totheaforesaidparts. InsuredmayoptfordeductiblesperclaimunderDepreciationCover.In suchinstancesadditionaldiscountwouldbeallowedaspertablebelow SpecialConditions: a)ForthepurposeofthisEndorsement,'ConsequentialDamage' shallmean"thedamagemorespecificallyexpressedhereinabove UIN:IRDAN152RP0010V01201819/A0017V02201819

2. PurchaseInvoicePricealsoincludesthecostofastandard privatecarpackagepolicy(withoutanyaddoncoversorendorsements),amountpaidtowardsregistrationoftheinsuredvehicle,applicableroadtaxandOctroi. Incaseacopyofthepurchaseinvoiceisnotavailable,thePurchaseInvoicePriceoftheinsuredvehiclewillbecalculatedasbelow: PurchaseInvoicePrice=IDV/(1-Depreciation%,asdefinedbelow aspertheageoftheinsuredvehicle) TheCompanyshallnotacceptanyclaimunder thisEndorsement, whereaclaimunderSectionIofthePolicyisnotpayable. causedtoaninsuredvehiclenotarisingdirectlyfrom aperilinsured underthePolicybutas a directconsequencetothesame". ForthepurposeofthisEndorsement,'EngineParts'shallmeanall internallubricatedpartsoftheengine includingpistons,pinsand rigs,allpulleyscamshaft,followers,cambearings,connecting rodsandbearings,crankshaftandmainbearings,dipstickand tube,eccentricshaft,engineheadsandengineblocks,engine mountsandcushions,enginetorquestrut,flywheelandflywheel ringgear,harmonicbalancer,intakeandexhaustmanifolds,oil pan,oilpumps,pushrods,valves,springs,guides,seats,and lifters,rockerarms,shafts,andbushings, timingcovers,timing gears,chain,belttensioners,retainers,vacuumpump,valve covers,andwaterpumps,fuelinjectionpump(fordieselengines only)andfuelheater(fordieselenginesonly). ForthepurposeofthisEndorsement,'DifferentialParts'shall meanallinternallylubricatedpartscontainedwithinthe differentialhousingincludingaxleshafts,constantvelocityjoints, bearings, finaldrivehousing,fourwheeldrivehubsandbearings, retainers,transaxlehousinganduniversal joints, driveshafts,hub bearingsandsupports. ForthepurposeofthisEndorsement,'GearBoxParts'shallmean allinternallylubricatedpartscontainedwithinthetransmission caseincludingcooler,coolerlines,filertubesanddipsticks, internallinkage,mounts, oilpans, torqueconvertor,transfercase, transmissionand transfer case,transmissionparkbaseassembly, vacuummodulator,gearshafts,andgearbox. Incaseofanaccident, payment under thisEndorsementshallbe madeonlywhentheCompanyisprovidedwith evidenceofunder carriagedamage to EnginePartsand/or Gear Box Partsand/or DifferentialPartsdirectlycausing oilleakage. TheCompany shallnotacceptanyclaimunderthisEndorsement, whereaclaimunderSection1ofthePolicyisnotpayable. ApplicableExclusions: The CompanyshallnotbeliableunderthisEndorsementinrespectof: WherelossiscoveredunderthePolicyoranyothertypeof insurancepolicy withanyotherinsurerormanufacturer’swarranty orrecall campaignorunderanyothersuchpackagesatthesame time. AccessorieswhicharenotadditionallyinsuredunderthePolicy shallnotbecovered. Any claim whichis notified tothe Companyafter 30 daysof the happeningof lossor damageprovided that the Companymay,in itssolediscretion,condonethedelayinnotificationofclaimon meritiftheInsuredprovidestheCompanywiththereasonsfor delayinwriting. v1:Page2KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. ApplicableExclusions: The CompanyshallnotbeliableunderthisEndorsementinrespectof: Inthe event of completeloss of the insuredvehicle(Constructive TotalLossorTotalLoss)asdeclaredunder thePolicy, nopayment shallbemadeunderthisEndorsement. Costofconsumableslikenuts,bolts,grease, etc. WherelossiscoveredunderthePolicyoranyothertypeof insurancepolicy withanyotherinsurerormanufacturer’swarranty orrecall campaignorunderanyothersuchpackagesatthesame time. Anyclaimsrelatedtolossordamageduetowearandtear. Any claim whichis notified tothe Companyafter 30 daysof the happeningof lossor damageprovided that the Companymay,in itssolediscretion,condonethedelayinnotificationofclaimon meritiftheInsuredprovidestheCompanywiththereasonsfor delayinwriting. Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthePolicy. UIN:IRDAN152RP0010V01201819/A0020V01201819 5. RoadSideAssistance: Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationofpaymentofanadditionalpremiumby the Insured,itisherebyagreedanddeclaredthatnotwithstandingany termscontrary underthe Policy,the Companyherebyundertakesto providetheInsured,uponhisrequestthefollowingemergency assistanceservicesduringthePolicyPeriodthroughits networkgarages orserviceproviders,providedthat(i)theservicesarerequestedtobe providedinanareawherethe Companyhasitspresencethroughits networkgaragesor through thenetworkofitsserviceproviders;and(ii) TheCompanyshall beliable for onlyup to fouremergencyassistanceservicesclaimsduringthe Policy Period: Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthePolicy. UIN:IRDAN152RP0010V01201819/A0019V01201819 4.ReturntoInvoice: Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationofpaymentofanadditionalpremiumby theInsured, it isherebyagreedand understood that notwithstanding anyterms contraryunderthePolicy,theCompanyherebyundertakesto paythedifferencebetweentheInsured’sDeclaredValue(IDV)ofthe insuredvehicle andthePurchaseInvoicePrice(asdefined below) ofthe insuredvehicle,asspecifiedinthepurchaseinvoiceuponthe occurrenceofanyTotalLoss(includingtheft)/ConstructiveTotalLossas definedinthePolicy. Towingduetoanaccidentorbreakdown:Intheeventofthe insuredvehiclebeingimmobilizedorrenderedunfitforthe purposeofdrivingontheroad,theCompanyshallarrangeforappropriatetowingservicestothenearestgaragewithinaradiusof50kmsfromthelocationofthebreakdown/accident,providedalwaysthatanychargesfortowingtheinsuredvehiclefora distancebeyondtheaforesaidlimitshallbebornebytheInsured. Batteryjumpstart:Intheeventoftheinsuredvehiclebeing immobilizedduetoarun-downbattery,theCompanyshall arrangefor avehicletechnicianto jumpstart theinsuredvehicle withappropriatemeans,providedalwaysthatanycostof charging/replacementofbatteryshallbebornebytheInsuredand theCompanyshallonlybeliableforalllabourandconveyance costs,towardsbatteryjumpstartassistanceunderthis Endorsement. Arrangement/Supplyoffuel:Intheeventoftheinsuredvehicle beingimmobilized due toemptyingof its fueltank,theCompany SpecialConditions: a)ForthepurposeofthisEndorsement,“PurchaseInvoicePrice” shallmeantheex-showroompriceoftheinsuredvehicleand includesthevalueoffactoryorcardealeraccessoriesthatwere fittedatthetimeofpurchase.

3. ApplicableExclusions: The CompanyshallnotbeliableunderthisEndorsementinrespectof: • shallarrange forsupplyofuptofivelitersoffuel,at thelocation of thebreakdown,provided alwaysthatall actualfuelcostsshallbe bornebytheInsuredandthe Companyshallonlybeliable forall laborcostsandconveyancecostsunderthisEndorsement. • Emptying offueltank:Inthe eventofthefueltankoftheinsured vehiclebeingfilledwithan incompatiblefuel,theCompany shall arrangefor emptying ofthefueltankwiththehelp ofappropriate techniciansandifrequired,arrangefortowingtheinsuredvehicle to thenearestgarageforthepurposeofemptyingthefueltank, providedalwaysthatallchargestowardsthetowingofthevehicle shallbebornebytheInsured. • FlatTyre(s):Intheeventoftheinsuredvehiclebeingimmobilized dueto aflattyre,theCompanyshall assisttheInsuredby: • Organizingforavehicletechniciantoreplacetheflattyrewiththesparestepneytyreofthevehicleatthelocationofbreakdown;ORintheeventofrepairsnotbeingpossibleatthe placeofbreakdown • Byarrangingtotakethe flattyreto thenearestplaceof repair anddeliveringthetyrebacktotheplaceofbreakdownand attachingittotheinsuredvehicle. • Providedalwaysthatanyexpensesonmaterial/sparepartsandany otherincidentalcosts,ifrequiredwhilecarryingouttherepairs, wouldbebornebytheInsuredandtheCompanyshallonlybe liableforexpensesonlabourcostandconveyancecost,in relation toparas(a)and(b)above,underthisEndorsement. • Breakdownsupportoverphone:In theeventofminormechanical errors/faults/non-functioningoftheinsuredvehicleoranypart thereof,theCompanyshallthrough its networkserviceproviders providetheInsuredwithtelephonicassistancetocomeupwith solutionsfor suchminormechanicalerrors/faults/non-functioning oftheinsuredvehicle. • TaxiBenefits: Intheeventoftheinsuredvehiclebeingimmobilized duetoanaccidentorbreakdown, theCompanyshallarrangefor freetraveloftheoccupantsoftheInsuredvehicleanduptoa distanceof50kilometers,providedalwaysthat: • Theeventhasoccurred50kmsaway from theInsured’splace ofresidenceasdeclaredbytheInsuredatthetimeofpolicy issuance. • Anychargesforadistancebeyondthecovereddistanceas statedaboveshallbebornebytheInsured. • The cover underthisEndorsementshall remainrestricted in respectoftheactualnumberofoccupantsoftheInsured vehicleorthemaximumseatingcapacityoftheInsured vehicle,subjectalwaystothelimitsmentionedabove. • Arrangementof keys:IntheeventoftheInsuredlosingthekeysof theinsuredvehicle,theCompanyshallarrangeforpickupand deliveryofthe sparekeysof the insuredvehicleto the place where theinsuredvehicleislocated.Alternatively,theCompanyshall providetheservice ofunlockingthe insuredvehiclewith thehelp ofvehicletechniciansatthelocationoftheinsuredvehicle, provided alwaysthattheCompanyshallbeliableonlyforall labour andconveyancecostsunderthisEndorsementandtheInsured shallberequiredtosubmitanidentityprooftoprovehis ownershipoftheinsuredvehicle,beforeavailinganyofthe aforesaidservices.Itisfurtherherebyagreedandunderstoodthat thisserviceshallbeprovidedonlywithinarangeof50kms. • MessageRelay:Intheeventoftheinsuredvehiclebecoming immobilizedasaresultofanaccidentorabreakdown,the Companyshallarrange,upontheInsured’srequest,tosend throughavailablemeansofcommunicationurgentmessagesto thepersonsspecifiedbytheInsured. • MinorRepairs:Intheeventoftheinsuredvehiclebeingimmobilizedduetoaminormechanicalorelectricalfault,the CompanyshallassisttheInsuredbysendingavehicletechniciantothelocationoftheinsuredvehicletocarryoutMinorRepairs(asdefinedbelow),providedalwaysthattheCompanyshallonlybeliablefortheexpensesonlabour cost andconveyance cost underthisEndorsement. • ForthepurposeoftheEndorsement,MinorRepairsshallmean repairswhichcanbecarriedoutatthelocationof breakdown/accident, requiringnosparesandwould require less than45minutesoflabourtime. providingtheabovementionedservicesunderconditionsof earthquake,war,invasion,rebellion,revolt,riot,civilcommotion, civilwar,exceptionaladverseweatherconditions,actsof terrorism,nuclearfission,strike,act(s)ofgovernment(s)/ governmentagencies/judicial/quasi-judicialauthorities. Any claimsinrespectofaninsuredvehiclewhich isbeingusedfor thepurposeofracing,rallying,motor-sports,orisnotbeing used/drivenin accordancewithapplicablelawsandregulations. Anyclaiminrespectofaninsuredvehiclewhichcanbesafely transferredonitsownpowertothenearestgarage/workshop. Anyclaimsarisingoutoftheft; Anyformofconsequentialloss. Any losswhichiscoveredunder thePolicy,anyotherinsurance policy ormanufacturer’swarrantyorrecallcampaignor underany othersuchpackagesatthe sametime. Anyexpensesforsupplyorreplacementofparts/consumables. Anyloss/damagecausedtotheinsuredvehiclewhenitisbeingused/drivenagainsttherecommendationsoftheowner’s/manufacturer’smanual. Anyclaimsinrespectofwhichserviceshavebeenavailedof withoutthepriorconsentoftheCompany. UIN:IRDAN152RP0010V01201819/A0021V01201819 6. ADD-ON:LossofPersonalBelongings Subjectotherwise to theterms,exclusions,conditionsandlimitationsof thisPolicy,inconsiderationofthepaymentofanadditionalpremiumby theInsured, it isherebyagreedand understood that notwithstanding anyothertermscontraryunderthePolicy,wewillpayforthelossor damage to YouandYourFamilymember’spersonalbelongingscaused byperilsmentionedundersection1ofthe Comprehensivepolicywhile personal belongingsareinthevehicleatthetimeoflossordamageto thevehicle. Personalbelongingsforthepurposeofthissectionmeansitemssuchas clothes and otherarticlesofpersonal naturelikelytobeworn,usedor carriedandincludesaudio/videotapes,CDsbutexcludesmoney, securities,cheques,bankdrafts,creditordebitcards,jewellery,lens, glasses,traveltickets,watches,valuables,manuscripts,paintingsand items ofsimilar nature. Any goodsorsamplesorbelongingscarriedin connectionswithanytradeorbusiness isnotcovered. FamilymembersforthepurposeofthissectionincludesSelf,lawfully weddedspouse, son,daughter,mother,father,brother,sister,mother in-law,fatherin-law,sonin-law,daughterin-law,brotherin-law,sister in-law. v1:Page3KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. SpecialConditions: ThecoverunderthisAdd-onshallbeapplicableonlyifofficial police reportisfiled for claimsdue to burglary,house-breakingor theft. Themaximumamountpayableduringtheperiodofinsurance underthissectionisasspecifiedintheSchedule. TheCompany shallnotacceptanyclaimunderthis Add-on, where aclaimunderSectionIofthePolicyisnotpayable Theinsuredwillbear first Rs.250 ofeach and everyclaimunder this section.(Thismaybe waived forspecificchannels, locations, segments oranyothercategoryofcustomersasperthemarket dynamics) UIN:IRDAN152RP0010V01201819/A0001V01201920 7. ADD-ON:KeyReplacement Subjectotherwise to theterms,exclusion,conditionsandlimitationsof thisPolicy,inconsiderationofthepaymentofanadditionalpremiumby theInsured, it isherebyagreedand understood that notwithstanding anyothertermscontraryunderthePolicy,Weherebyundertaketo indemnifytheInsured,thecostofrepair/replacementofInsured Vehiclekey(s),including laborcost,incasekey(s) ofInsuredVehicleare lost/stolenordamaged.

4. outsidemanufacturer'srecommendedlimitsorwheel balance,failure of suspension component, wheelbearingor shockabsorber anylossordamagewithinfirst15daysofinceptionofthe policy anylossordamageoccurredpriortoinceptionofthepolicy anylossordamageresultingintototallossofthevehicle routinemaintenanceincludingadjustment,alignment, balancingorrotationofwheels/tyres/tubes lossordamagetowheelaccessories,anyotherpartsorrim (unlesscoveredbypayingadditionalpremium) theftoftyre(s)/tube(s)oritspartsaccessorieswithoutvehicle beingstolenortheftofentirevehicle ifthetyre(s)/tube(s)beingclaimedisdifferentfromtyre(s) insured/suppliedasoriginal equipmentalongwiththevehicle unlessinformed totheCompanyandmentioned/endorsedon thepolicy SpecialConditions: IncaseoftheftofInsuredVehiclekey(s)entiresetofInsured Vehiclekey,lockandlocksetwouldbereplaced. ClaimresultingfromBurglaryortheftshouldbesupportedbyaFirst InformationReport(FIR)filedwiththepoliceauthorities Maximum 2 replacements/reimbursementswill beallowedduring thepolicyperiod. Wepayonlyupto50%ofSumInsuredoptedasmentionedinthe policyschedule,peroccurrenceduringthepolicyperiod. Incaseoflostorstolenkeys,allotherduplicatesofthelostor stolenkeysmustbedepositedwithus. AclaimpreferredunderthisClausewouldnotimpacttheNoClaimBonusundertheBasePackagePolicycoveringtheinsured’svehicle.Thisissubjecttonootherclaimfordamageto/lossofthe vehicleduringthepolicyperiod. ApplicableExclusions: TheCompanyshallnotbeliableunderthisAdd-oninrespectof: 1.ThecosttoreplacekeystovehiclesthatYoudonotownfor personaluse; UIN:IRDAN152RP0010V01201819/A0002V01201920 anyfraudulentordishonestact lossordamagearisingoutofimproperstorageor transportation anyconsequentiallossordamagesuchasbutnotlimitedto noises,vibrationsandsensationsthatdonotaffecttyre functionorperformance lossordamagearisingoutofmodificationsnotapprovedby tyremanufacturer lossordamageresultingfromharddrivingduetorace,rallyor illegalactivities lossordamageduetoneglectofperiodicmaintenanceas specifiedbymanufacturer lossordamageresultingfrompoorworkmanshipwhilerepair lossordamagearisingoutofanymanufacturingdefector designincludingmanufacturer'srecall minordamageorscratchnotaffectingthefunctioning tyrewhichhasbeenusedforitsfullspecifiedlifeasper manufacturer's guideline orwhereunusedtreaddepthisless than3mm 8. ADD-ON:TyreCover Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationofpaymentofanadditionalpremiumby the Insured,itisherebyagreedanddeclaredthatnotwithstandingany terms contraryunder thePolicy, theCompanyherebyundertakesto indemnifytheInsuredforthe costofrepairand/or replacementoftyres andtubes,asmaybenecessitatedarisingoutofaccidentallossor damageorimpactbulgingofsidewallexcludingmanufacturingdefect, chemical or atmosphericdamages. v1:Page4KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. BasisofLossSettlement Inanysituationcompany'sliabilitywouldnotexceedthefollowing, basis theunusedtreaddepthofrespectivetyre ImportantConditions • IftheInsuredmakesafraudulentclaimwhichisdeclinedasperApplicableExclusionsmentionedabove,coverageunderthissectionshallceasewithimmediateeffect. • If during the periodof insuranceany tyreisreplaced for any reasonforwhichclaimisnotpreferredunderthecoverage, coveron newtyrewouldnotbeavailableunlessdetailsofnew tyreareinformedtotheCompany. • Incaseofreplacementoftyreforwhichaclaimispreferred underthecoverage,replacedtyrecanbeincludedbyway of endorsementbypayingrequisitepremium. • Allclaimsmustbemadewithin3workingdaysofdamage. • TheInsuredmusttakeallreasonablestepstoavoidlossor damagetotyre(s).TheInsuredmust notcontinue to drivethe vehicleafteranydamageorincidentifthesamecould cause furtherdamagetotyre(s). • Rim/Alloy(ifnotmanufacturerfitted)tobecovered,would requireextrapremiumalongwiththedetails UnusedTreaddepthwillbemeasuredatthecentreofthetread. Minimum4measurementsat4differentplaceswillbetakenforthe purposeofarrivingatmeanstreaddepthwhichwillbethebasisof indemnityunderthecoverage. Wheneverreplacementoftyrewillbealloweditwillbeofthesame makeandspecificationandiftyreofsimilarspecificationisnotavailable andreplacedtyreissuperior todamagedtyrethentheCompanywillnot beliableforbettermentcharges.Maximumof4(four)tyre replacementswillbeallowedduringtheperiodofinsurance. Ifdamagetotyreandtubeisduetotheaccidentaldamagetothe InsuredVehiclecoveredunder "Own Damage"section of thepolicy,the Company’sliabilityunderthiscoverwillberestrictedtothedifferenceof depreciationpercentageappliedunder"OwnDamage"sectionandas mentionedabovebasistheunusedtreaddepth. Theclausewillbeinoperable: • Ifthe vehiclemeetswithanaccidentandif the vehicleandthe tyre(s)fittedontothecaralsogetdamaged,onlythebase PrivateCarPackage/ComprehensivePolicywillcoverthetyre damageand no separateclaim would bepayable under this Addon.However,incaseoftheclaimundertheAddoncover exceedsthetotalclaimpayableunderthe“OwnDamage” sectionofthebasePrivateCarPackage/ComprehensivePolicy, suchdifferentialamountshallalsobepayableasperthe“Basis ofLossSettlement”mentionedabove. ApplicableExclusions Theclaimwillnotbepayableifanyorallofthefollowingcondition applies: ifvehicleisnotrepairedatAuthorisedgarage lossordamagearisingoutofnatural wearand tearincluding unevenlyworntyrescausedbydefectivesteeringgeometry

5. thetheft,inwhichcase,theCompanywillallowsameNo claimbonusonnewmotorvehicleasisshownintheschedule. • TheInsuredmust prove eligibilityofNCBby way ofarenewalnoticeorNoclaimconfirmationletterfromthepreviousInsurer • Mid-terminclusionorremovalofthiscovershallnotbe allowed • Incaseofpartialloss,theNCBinthisclausecannotbe transferredfromonevehicletoanother–evenifbothor multiplevehiclesareinthenameofthe sameInsured • OnthedeathoftheInsured,thisclausewillcontinueto operateprovidedthevehicleistransferredinthenameofa legalheirandthesameisendorsedinthepolicy Ifanyclaimismadefraudulentlyoranyclaimisrejecteddueto concealmentofmaterialfacts,misrepresentation orfraud oranyclaim duetoanywilfulactcommittedbyInsuredorpersonsauthorisedby Insured. UIN:IRDAN152RP0010V01201819/A0003V01201920 9. ADD-ON:DailyCarAllowance Subjectotherwisetotheterms,exceptions,conditionsandlimitationsofthisPolicy,inconsiderationofpaymentofanadditionalpremiumbytheInsured,itisherebyagreedanddeclaredthatnotwithstandinganytermscontraryunderthePolicy,theCompanyherebyundertakestopaytheInsured,DailyCarAllowanceasmentionedinthescheduletoenablehim/hertomeetthecostofhiredtransporttoreducehis/herinconvenience,iftheInsuredVehicleisdamagedbyacoveredperil mentionedinsection1ofthebasePrivateCarPackage/ComprehensivePolicy. Theallowancewouldbepayableforamaximumperiodof10days duringtheperiodofinsurance.Incaseoftheft/totallossclaim,the Companywillpayformaximum15daysduringtheperiodofinsurance. Damagesnotadmissibleundersection1ofthePrivateCar Package/ComprehensivePolicy(asagreedbetweentheInsured, surveyor&garage/workshopmanager)wouldbeexcludedforthe purposeofcomputationofDailyCarAllowance. TheentitlementofDailyCarAllowancewillstartfromthefollowingcalendardayoftheInsuredVehiclereachingthegarageforrepair&shallendonthedaygarageintimatestheInsuredtotakedeliveryofthe Vehicle. ThisClausewillnotoperateunderfollowingconditions: • Thisclause willbeinoperableonthetransferofthevehicle.On transfer,the buyer will have to purchase this clauseafreshby paymentoffullannualpremium. • ThisclausewillnotoperateifNCBintheexistingpolicyis wronglyclaimedandinsuredisineligiblefortheNCB. • Thisclause willnotoperateif anyclaimismadefraudulentlyor anyclaimisrejectedduetoconcealmentofmaterialfacts, misrepresentationorfraud. CancellationClause: TheNCBProtectwillbecancelledif: ApplicableExclusions The Daily CarAllowancewillnot bepayableifany orallofthefollowing conditionapplies: NCBiswronglyclaimedinapolicyandinsuredisineligiblefor NCB AnyOwnDamageclaimfraudulentlymade Anymisrepresentation/concealmentoffactsresultingina claimorleakageofpremium v1:Page5KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. IftheInsured isclaimingonlyforwindscreenor glassdamageunder section1ofthepolicy. IfVehicle isnotrepairedattheAuthorisedGarage Ifclaimundersection1isnotvalidandadmissible. Iftimerequiredforrepairofmotorvehicleisupto3days. Refundofpremiumwillnotbemadeoncancellationofthiscoverdueto theabovereasons. UIN:IRDAN152RP0010V01201819/A0005V01201920 11.AdditionalPAcoverforOwnerDriver Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationofpaymentofanadditionalpremiumby the Insured,itisherebyagreedanddeclaredthatnotwithstandingany terms contraryunder thePolicy, theCompanyherebyundertakesto provide the compensationto theregisteredOwner-Driverof theInsured vehicle uptotheamountasshowninthepolicyscheduleonthescale providedbelowforbodilyinjuryashereinafterdefinedsustainedin directconnectionwithvehicleinsuredorwhilstmountingand dismountingfromordrivingortravellingintheinsuredvehicleand causedbyviolent,accidentalexternalandvisiblemeanswhich independentlyofanyothercauseshallwithinsixcalendarmonthsofthe occurrenceof such injuryresultin:- UIN:IRDAN152RP0010V01201819/A0004V01201920 10.ADD-ON:NCBProtect Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationofpaymentofanadditionalpremiumby the Insured,itisherebyagreedanddeclaredthatnotwithstandingany terms contraryunder thePolicy, theCompanyherebyundertakesto allowtheInsuredthesameNo claimbonusslab,asshown onpolicy scheduleatthetimeofrenewalprovided- • TherateofNoclaimbonusasshowninthescheduleisan accumulationofapplicableclaimfreeyear(s)andtheirbeing noowndamageclaimintheapplicableprecedingyearsor • NCBreservingcertificatebeingproducedwithminimum20% NCB • Notmorethan1owndamageclaimisregisteredinthecurrent periodofinsurance. • TherenewalofpolicyisdonewiththeCompanywithin90 daysofexpiryofthepolicy • Theclaiminthecurrentperiodof insurance isnotaTotalLOSS(TL)/ConstructiveTotalLoss(CTL) TheCompanyshallpayunder onlyoneoftheitems(i)to(iv)abovein respect of the owner-driverarising out of any one occurrence and the totalliabilityoftheInsurershallnotin theaggregateexceedthe amount statedinthepolicyscheduleagainstthisaddonduringanyoneperiod ofinsurance.Thebenefitunderthisaddonshallbeinadditionto liabilitycoveredunder CompulsoryPAforOwnerDriverasmentionedin SectionIIIofthePolicy. Specialconditionsapplicabletothisbenefitinadditiontothe generalconditions: • Theclaim madewithusisfordamagesonlytothewindscreen glass/rearglass/doorglassessunroofglass,willnotbe consideredasa claimunderthisbenefit. • Theclaimforonlypartialtheftofaccessories/partswillnotbe consideredasa claimunderthisbenefit. • AclaimfortheftofentiremotorvehiclewillnotbeconsideredasaTL/CTLforthispurposeprovidedanewmotorvehicleispurchasedandinsuredwiththeCompanywithin90daysof • ApplicableConditions: • Suchcompensationshallbepayabledirectlytotheinsuredor his/herlegalrepresentativeswhosereceiptshallbethefull dischargeinrespectoftheinjurytotheinsured.

6. Subjecttotheinsuredbeingtheregisteredownerofthe vehicleinsuredandholdinganeffectivedrivinglicense,in accordancewiththeprovisionsofRule3oftheCentralMotor VehiclesRules,1989,atthetimeof theaccidentincasehe/she wasdrivingtheinsuredvehicle. • WrittennoticeofclaimmustbegiventotheCompanywithin7 daysafteranactualorpotentiallossbeginsorassoonas reasonablypossibleandinanyeventnotlaterthan30days afteractualorpotentiallossbegins. • TheinsuredshallprovidetheCompanywithall documentation,medicalrecordsandinformationthatthe Companymayrequesttoestablishthecircumstancesofthe claim, itsquantum orliability forthe claimwithin 15daysof noticeofclaimtotheCompany. • Failureto furnishsuchevidence within the time requiredshall notinvalidatenorreduceanyclaimifInsuredcansatisfy Insurerthatitwasnotreasonablypossibletogiveproof within suchtime. • TheCompanymayacceptclaimswheredocumentshavebeenprovidedafteradelayedintervalonlyin special circumstanceswhereinsufficientreasonshavebeenprovidedbytheInsuredforsuchdelayand/orforthereasonsbeyondthecontrolofthe insured. report,ifconducted,on theInsured’sbodyaspermittedbylaw. Insured orhisestate’scompliancewiththeneedforsuchexaminationisa conditionprecedenttoestablishingliabilityunderthePolicy. UIN:IRDAN152RP0010V02201819/A0001V01202122 12.AdditionalPAcoverforPassengers Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationofpaymentofanadditionalpremiumby the Insured,itisherebyagreedanddeclaredthatnotwithstandingany terms contraryunder thePolicy, theCompanyherebyundertakesto providethecompensationtothepassengerstravelingintheInsured vehicle uptotheamountasshowninthepolicyscheduleonthescale providedbelowforbodilyinjuryashereinafterdefinedsustainedin directconnectionwithvehicleinsuredorwhilstmountingand dismountingfromortravellingintheinsuredvehicleandcausedby violent,accidentalexternalandvisiblemeanswhichindependentlyof anyothercauseshallwithinsixcalendarmonthsoftheoccurrenceof suchinjuryresultin:- • ApplicableExclusions: • The Companyshall notpayanycompensation inrespectof deathorinjurydirectlyorindirectlywhollyorinpartarising or resultingfromtraceabletoa)intentionalself-injury,suicideor attemptedsuicide,physicaldefectorinfirmityorb)an accident happening whilst suchpersondriving is under the influenceofintoxicatingliquorordrugs. TheCompanyshallpayunder onlyoneoftheitems(i)to(iv)abovein respect of anysuchpersonarising outof anyone occurrence andthe totalliabilityoftheinsurershallnotintheaggregateexceedthe amountstatedinthe policyscheduleagainstthisaddonduringanyone periodof insurance.Thebenefitunderthisaddonshallbeinadditionto liability coveredunderPAcoverforPassengerasmentionedinSectionIII ofthePolicy(ifopted). v1:Page6KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. Documentation(AllClaimsunderthisAdd-on): PhotoIdentityProof(Anyone)-VoterID,Passport,PANCard, DrivingLicense,RationCard,Aadhar,oranyotherproof acceptedby theKYCnormsasapprovedbytheCompanyand whichisadmissibleincourtoflaw Dulycompletedandsignedclaimforminoriginalasprescribed bytheCompany. CopyofFIR/Panchnama/PoliceInquestReport(if conducted) dulyattestedbytheconcerned Police Station; CopyofMedicoLegalCertificate(ifconducted) dulyattested bytheconcernedHospital ApplicableConditions: • SuchcompensationshallbepayableonlywiththeInsured’s approvalanddirectlytotheinjuredpersonorhis/herlegal representativeswhosereceiptshallbethefulldischargein respectoftheinjurytotheinsured. • Thebenefitunderthisaddonisnotpayableincasethe number ofpersons/passengerstravelingin theinsuredvehicle aremorethanasspecifiedintheregistration certificateatthe timeofoccurrenceofsuchincident. • Subjecttotheconditionthattheseperson(s)aretravelingin personalcapacity&notunderHireandreward • Subjecttopersondrivingtheinsuredvehicleholdingan effectivedriving license, in accordancewith the provisionsof Rule 3oftheCentralMotor Vehicles Rules,1989 • WrittennoticeofclaimmustbegiventotheCompanywithin7 daysafteranactualorpotentiallossbeginsorassoonas reasonablypossibleandinanyeventnotlaterthan30days afteractualorpotentiallossbegins. • TheclaimantshallprovidetheCompanywithall documentation,medicalrecordsandinformationthatthe Companymayrequesttoestablishthecircumstancesofthe claim, itsquantum orliability forthe claimwithin 15daysof noticeofclaimtotheCompany. • Failureto furnishsuchevidence within the time requiredshall notinvalidatenorreduceanyclaimifInsuredcansatisfy Insurerthatitwasnotreasonablypossibletogiveproof within suchtime. • TheCompanymayacceptclaimswheredocumentshavebeenprovidedafteradelayedintervalonlyin special circumstanceswhereinsufficientreasonshavebeenprovidedbytheInsuredforsuchdelayand/orforthereasonsbeyondthecontrolofthe insured. AdditionaldocumentsrequiredincaseofDeath OriginalDeathcertificateissuedbytheofficeofRegistrarof Birth&Deaths; DeathsummaryissuedbyaHospital; PostMortemReport(ifconducted); IdentityproofofNomineeorOriginalSuccession Certificate/OriginalLegalHeirCertificateoranyotherproofto thesatisfactionoftheCompanyforthepurposeofavalid dischargeincasenominationisnotfiledbydeceased. AdditionaldocumentsrequiredincaseofDisablement OriginaltreatingMedicalPractitioner’scertificatedescribing thedisablement; OriginalDischargesummaryfromtheHospital; PhotographoftheInsured Personreflectingthedisablement; Prescriptionsandconsultationpapersofthetreatment; Disabilitycertificate issued bytreatingMedicalPractitioner. Anyothermedical,investigationreports,inpatientor consultationtreatmentpapers,asapplicable. TheCompany,atitsown expense, shall have therightandopportunity oftheInsured’smedicalexaminationthroughitsappointedagentswhose detailswillbenotifiedwhen and asoftenastheCompanymayreasonablyrequireduringthe pendency ofaclaim hereunder, andalsotherightandopportunitytoarrangeforapostmortemexamination • ApplicableExclusions: • TheCompanyshallnot payany compensationin respectof deathorinjurydirectlyorindirectlywhollyorinpartarisingor

7. Minimum24hourhospitalizationinahospitalasdefined underthisadd-on. • TheCompanywouldnotpayforhospitalizationdueto medicalreasons,illnessorduetoanypre-existingdiseases. • Submissionofhospitaldischargesummaryis required. resultingfromtraceabletoa)intentionalself-injury,suicideor attemptedsuicide,physicaldefectorinfirmityorb)anaccident happeningwhilstsuchperson driving isunder the influenceof intoxicatingliquorordrugs. Documentation(AllClaimsunderthisAdd-on): PhotoIdentityProof(Anyone)-VoterID,Passport,PANCard, DrivingLicense,RationCard,Aadhar,oranyotherproof acceptedbytheKYCnormsasapprovedbytheCompanyand whichisadmissibleincourtoflaw Dulycompletedandsignedclaimforminoriginalasprescribed bytheCompany. CopyofFIR/Panchnama/PoliceInquestReport(if conducted) dulyattestedbytheconcerned Police Station; CopyofMedicoLegalCertificate(ifconducted) dulyattested bytheconcernedHospital Definitionforthepurposeofthisadd-on: AdditionaldocumentsrequiredincaseofDeath OriginalDeathcertificateissuedbytheofficeofRegistrarof Birth&Deaths; DeathsummaryissuedbyaHospital; PostMortemReport(ifconducted); IdentityproofofNomineeorOriginalSuccessionCertificate/ OriginalLegalHeirCertificateoranyotherprooftothe satisfactionoftheCompanyforthepurposeofavalid dischargeincasenominationisnotfiledbydeceased. AdditionaldocumentsrequiredincaseofDisablement v1:Page7KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. OriginaltreatingMedicalPractitioner’scertificatedescribing thedisablement; OriginalDischargesummaryfromtheHospital; PhotographoftheInsured Personreflectingthedisablement; Prescriptionsandconsultationpapersofthetreatment; Disabilitycertificate issued bytreatingMedicalPractitioner. Anyothermedical,investigationreports,inpatientor consultationtreatmentpapers,asapplicable. UIN:IRDAN152RP0010V02201819/A0003V01202122 14.EmergencyHotelandTaxiExpenses Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationof the paymentofanadditional premium bythe Insured,itisherebyagreedandunderstood that notwithstanding anyothertermscontraryunderthePolicy, theCompanywill reimburse theamount asmentionedin thePolicySchedule, towardsthe costof overnightstayandtaxiexpensesforreturning toyourplaceofresidence ortothenearestcityfromplaceofaccidentwhicheverisnearbyifyour vehiclehas metwithanaccidentandcannotbedriven. TheCompany,atitsown expense, shall have therightandopportunity oftheInsured’smedicalexaminationthroughitsappointedagentswhose detailswillbenotifiedwhen and asoftenastheCompanymayreasonablyrequireduringthe pendency ofaclaim hereunder, andalsotherightandopportunitytoarrangeforapostmortemexamination report,ifconducted,ontheInsured’sbodyaspermittedbylaw.Insuredorhisestate’scompliancewiththeneedforsuchexaminationisaconditionprecedenttoestablishingliabilityunderthePolicy. UIN:IRDAN152RP0010V02201819/A0002V01202122 SpecialConditions: Theclaimunderthisaddonwouldbe payableonlyifthereisa validandadmissibleclaimunderSectionIofthepolicy. TheCompanywillpaymaximum50%oftheSumInsured optedasmentionedinthepolicyscheduleinanyoneaccident. Minimumoftheactual expenses incurredoramountasperthe occurrencelimitsofthepolicywouldbepayable. OriginalBillsforHotelandtransportationmustbesubmitted asproofofexpenditure. 13.HospitalCashBenefit Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationofpaymentofanadditionalpremiumby the Insured,itisherebyagreedanddeclaredthatnotwithstandingany termscontrary underthe Policy,the Companyherebyundertakesto providedailycashbenefitequivalenttotheamountspecifiedinthe PolicyScheduletotheperson(s)travelingintheinsuredvehicleinthe eventof hospitalizationdue toan accidentoftheinsuredvehicle.This benefitwillbepayablefortheactualnumberofdaysforwhichthe injuredpersonishospitalizeduptothemaximumnumberofdaysas mentionedinthePolicyScheduleforthisAddon. UIN:IRDAN152RP0010V02201819/A0004V01202122 • EMIProtect • Subjectotherwisetotheterms,exceptions,conditionsandlimitationsofthisPolicy,inconsiderationoftheextrapremiumpaidbytheInsured,itisherebyunderstoodandagreedthattheCompanywillreimbursethe EMI(EquatedMonthlyInstallment)againsttheoutstandingloanofthe InsuredvehicleuptoamaximumamountandforthenumberofEMI’sasmentionedinthePolicyScheduleforeachcompletedperiodof30daysforwhichtheinsuredvehicleisunderrepairarisingoutofaccidentaldamagesprovided: • Thevehicleisrepairedat a garageauthorizedbytheCompany • Importantconditions: • Theclaimunderthisaddonwouldbepayableonlyifclaim underSectionIisvalidandadmissible. • Thebenefitunderthisaddonisnotpayableincasethe numberofpersons/passengerstravelingintheinsuredvehicle aremorethanasspecifiedintheregistration certificate atthe timeofoccurrenceofsuchincident.

8. Forcomputationof‘completedperiodof30days’,thestart datewillbetheday onwhichtheinsuredvehicleisgivento garageforrepairandenddatewillbethedayonwhich intimationregardingdeliveryofrepairedvehicleisgivento Insured.Timetakenbythegaragetocommencetherepair work,timetakenbyinsuredforsubmissionofdocumentsto defineclaimadmissibilityorwaitingtimeduetonon- availabilityofspareswillnotbeconsidered. • Theclaimunderthisadd-onshallbepaiddirectlytothe financierasmentionedontheschedule,towhichtheinsured vehicle is hypothecated. • LiabilityoftheCompanyshallbelimitedtotheEMIamount mentionedinthescheduleortheactualEMIprevailingatthe timeoflosswhicheverislower.Also,innocase,Companyshall payanamounthigherthantheactualamountofloan outstandingagainsttheinsuredvehicle. SpecialConditions: Thisbenefitisover&abovethetowingchargescover against accidentalbreakdownasperthestandardpackagepolicy. Anychargesincurredoverandabovethelimitmentionedfor thisAddoninthePolicySchedulewillbebornebyinsuredonly. Minimumoftheactualexpensesincurredoramountasperthe policyterms&conditionswouldbepayable. Documentaryproofofexpenditureincurredtowards additionaltowingchargesofthevehiclemustbesubmitted. UIN:IRDAN152RP0010V02201819/A0007V01202122 18.MedicalExpensesduetoAccident: Subjectotherwise to the terms,exceptions,conditions and limitations ofthisPolicy,in considerationofthe paymentofanadditional premium bythe Insured,itisherebyagreedandunderstood that notwithstanding anyotherterms contraryunderthePolicy, dependingupontheoption chosenbytheinsuredtheCompanywillreimbursethe actual amount uptothelimitasmentionedinthe policyscheduletoonlythe registered ownerdriverofthevehicleORtoallthepersonstravellinginthevehicle includingtheowner driverasmentioned inthepolicy scheduleandas pertheregisteredseatingcapacity(includingtheregisteredowner driver)towardsmedicalexpensesincurred forthe treatmentof bodily injurysustainedbythecoveredoccupantsofthevehicleindirect connectionwithvehicleinsuredorwhilstmountinganddismounting fromordrivingortravellingintheinsuredvehicleandcausedbyviolent, accidentalexternalandvisiblemeans. Further, • TheCompanywould notbeliable topayanyclaimunderthis addoncoveriftheclaimundersectionIisnotvalidor admissibleorif thevehiclehasundergone totalloss ortheft is reported. • TheCompanywouldnotbeliabletopayforanyEMIamount and/oradditionalpaymentwhichbecomesduebecauseof default,non-payment or delayedpaymentofany amount due totheBank/Financial Institution. UIN:IRDAN152RP0010V02201819/A0005V01202122 16.CourtesyCarReimbursement: Subjectotherwisetotheterms,exceptions,conditionsandlimitationsofthisPolicy,inconsiderationofthepaymentofanadditionalpremiumbytheInsured,itisherebyagreedandunderstoodthatnotwithstanding anyother terms contraryunderthePolicy,the Company willreimbursetotheInsuredtheactualchargesincurredforhiringanalternative transportation/useofrentalcar,incasetheinsured vehicle isingarageformorethan2daysonaccountofdamagearisingoutofanyperil coveredunderSectionIofthePolicysubjecttothelimitsasmentionedin thePolicySchedule. Importantconditions: • Theclaimunderthisaddonwouldbepayableonlyifclaim underSectionIisvalidandadmissible. • Theinsuredmaychooseeither‘OwnerDriver’or‘All Occupants’underthisaddon&benefitshallbepayableonly tothepersonsincludedasabovebytheinsured. • ThebenefitunderthisaddonisNOTpayableincasethe numberofpersons/passengerstravelingintheinsuredvehicle aremorethanasspecifiedintheregistration certificateatthe timeofoccurrenceofsuchincident. • Minimum24hourhospitalizationinahospitalasdefined underthisadd-on. • Submissionofhospitaldischargesummaryis required. v1:Page8KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. SpecialConditions - Theclaimunderthisaddonwouldbepayableonlyifclaim underSectionIisvalidandadmissible Thebenefitwillnotbeapplicableif theInsuredisclaimingonly forwindscreenorglassdamageundersectionIofthepolicy. Theentitlement ofCourtesyCar willstart from thefollowing calendardayoftheInsuredVehiclereachingthegaragefor repair &shallendonthe daygarage/ Company intimatesthe InsuredtotakedeliveryoftheVehicle. Thebenefitwillnotbepayableiftimerequiredforrepairof motorvehicleisupto2days Thebenefitcanbeavailedforamaximum number ofdaysasoptedandspecifiedinthepolicyschedule. Documentaryproofofexpendituremustbesubmitted. Thevehicleisrepairedat a garageauthorizedbythecompany Thebenefitwillbepaidonactualuptotheperdaylimitas showninthePolicySchedule Definitionforthepurposeofthisadd-on: UIN:IRDAN152RP0010V02201819/A0006V01202122 17. AdditionalTowingcharges: Subjectotherwise to the terms,exceptions,conditions and limitations ofthisPolicy,in considerationofthe paymentofanadditional premium bythe Insured,itisherebyagreedandunderstood that notwithstanding anyothertermscontraryunderthePolicy,theCompanywillreimburse the towingchargessubjecttothelimitasspecifiedinthePolicyschedule andincurredbytheinsuredwhiletowingthevehicletothenearest garageintheeventoftheinsured’svehiclebeingimmobilizedor renderedunfitforthepurposeofdrivingontheroadduetoanaccident ormechanicalbreakdown.

9. 19.LoanProtect Subjectotherwiseto theterms,exceptions,conditionsand limitations ofthisPolicy,inconsiderationof the paymentofanadditional premium bythe Insured,itisherebyagreedandunderstood that notwithstanding any other terms contrary underthe Policy, the Company willpay the outstandingloanamounton theinsuredvehicle, in caseof death ofthe registeredownerdriverofthevehicleduetoaccidentoftheinsured vehicle. ApplicableExclusions: • Anyexpensesforhospitalizationduetoanypre-existing diseases. • Anyexpensesrelatedtoasickness,diseaseor medical disorder notdirectly consequential toaccident. • Anyexpensestowardspsychosomaticdisordersofanykind, whethercausedoraccentuatedbyaccidentorotherwise. • Any physiotherapytreatment. • Anyexpensenotsupportedbyanoriginalandvalidbill/ receiptandrelatedprescriptionoftheattendingMedical Practitioner/Hospital/NursingHome. • Any Expenses, ifthetreatment isstartedafter 5daysfromthe dateofAccident • Anyexpensearisingorresultingfromortraceableto intentionalself-injury,suicideorattemptedsuicidephysical defectorinfirmity. • Anyexpensearisingorresultingfromortraceabletoan accidenthappening whilstundertheinfluenceofintoxicating liquorordrugs. • Thecompanywill paylower oftheactualamountoutstanding atthe timeofclaimor totaloutstandingamountasmentioned onthepolicyschedulesubjecttoconditionb)mentioned below. • Theclaimunderthisadd-onshallbepaiddirectlytothe financierasmentionedontheschedule,towhichtheinsured vehicle is hypothecated. Further, TheCompanywouldnotbeliabletopayanyclaimunder this addoncoveriftheclaimundersectionIisnotvalidor admissibleorifthevehiclehasundergonetotallossortheftis reported. TheCompanywouldnotbeliabletopayforanyEMIamount and/oradditionalpaymentwhichbecomesduebecauseof default,arrears;non-paymentordelayedpaymentofany amountduetotheBank/FinancialInstitution. NoPaymentshallbemadeunderthisaddoniftheloanis closed/fullypaidasonthe dateoftheaccidentresultinginto deathoftheregisteredownerdriver. UIN:IRDAN152RP0010V02201819/A0009V01202122 UIN:IRDAN152RP0010V02201819/A0008V01202122 v1:Page9KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. KotakMahindraGeneralInsuranceCompanyLtd. CIN:U66000MH2014PLC260291.RegisteredOffice:27BKC, C 27, G Block,BandraKurlaComplex,BandraEast, Mumbai - 400051. Maharashtra,India. Office:8thFloor,ZoneIV,Kotak Infiniti,Bldg.21,InfinityITPark,OffWEH,Gen.AKVaidyaMarg,Dindoshi,Malad (E), Mumbai–400097.India. TollFree:18002664545Email:care@kotak.comWebsite:www.kotakgeneral.comIRDAIReg.No.152.

10. Thank You Know more about third party car insurance, v1:Page9KotakMahindraGeneralInsuranceCompanyLtd.,KOTAKCARSECURE-BUNDLEDUIN:IRDAN152RP0010V02201819;AddOnCoverWordings. KotakMahindraGeneralInsuranceCompanyLtd. CIN:U66000MH2014PLC260291.RegisteredOffice:27BKC, C 27, G Block,BandraKurlaComplex,BandraEast, Mumbai - 400051. Maharashtra,India. Office:8thFloor,ZoneIV,Kotak Infiniti,Bldg.21,InfinityITPark,OffWEH,Gen.AKVaidyaMarg,Dindoshi,Malad (E), Mumbai–400097.India. TollFree:18002664545Email:care@kotak.comWebsite:www.kotakgeneral.comIRDAIReg.No.152.