Acko General Insurance Limited Key Terms - Group Domestic Travel Product

DriveU Terms & Conditions

This is a summary of the key terms under the Group Domestic Travel Product (“Policy”) offered by Acko General Insurance Limited (“Acko”) to Humble Mobile Solutions Private Limited (“DriveU”). The covers available under the Policy can be availed by registered users/ customers on the DriveU platform (mobile application) by selecting the option of travel insurance to insure their travel under the Policy.

The insurance cover under the Policy will be applicable only to the trips booked through the DriveU platform. The Insurance cover under the Policy starts when customer boards his/her car driven by a DriveU driver and lasts till the customers alights from the car and ends the DriveU trip.

Key Benefits

Key benefits available under the Policy for passengers as specified in the Certificate of Insurance:

Coverage	Sum Insured (INR)	Exclusions / Deductions
Accidental Death Benefit	5,00,000
Permanent Total Disability	5,00,000
Permanent Partial Disability	5,00,000
Accidental Medical Expense Reimbursement	1,00,000
OPD Treatment	3,000
Hospital Daily Allowance	500	Min: 1 Day, Max: 7 days
Evacuation (Medical & Catastrophe)	10,000
Repatriation of Mortal Remains	10,000
Fire and Allied Perils (Home Building & Contents)	1,00,000
Financial Emergency Cash and Emergency Hotel Requirement	10,000
Loss of Baggage and Personal Effects* (Including Laptop)	20,000

*Loss of Baggage is covered only if the same has been lost during the car trip from the passenger’s car and not otherwise.

General Conditions:

• Loss of Baggage does not cover any Valuables, Money, Securities, Jewellery and Tickets. It provides cover only for loss or complete damage of the items, and not any partial damage.
• We should be given immediate written notice of any event that may give rise to a claim under the Policy, in accordance with the claims procedure under the Policy;
• All the coverages under this policy is only applicable while customer is inside the car during the journey.
• All claims made under the Policy will be subject to the applicable deductible, any sub-limits and the availability of the Sum Insured.
• The Policy does not cover any contractual and consequential liability, except as covered in the Policy or the Certificate of Insurance issued to the customer.

The following general exclusions as stated in the Policy will not apply to DriveU or its customers:

• Any journey commenced to obtain medical care, treatment or advice of any kind whether is the sole purpose of customers journey or not.

Please note that this list is only indicative, and the full list of policy conditions and exclusions are available at: www.acko.com

Claim & Documents:

Customer can file a claim for any of these coverages on the DriveU App or the Acko Website. Alternatively, the customer can reach Acko at the Contact number provided below for registration of claim:

Acko: 1800 266 2256

Traveller needs to submit following documents in case of a claim:

• Hospital bills, prescriptions and discharge summary in case of medical treatments.
• Respective certificates & reports in case of death or disability.
• FIR in case of Loss of Baggage during the trip.
• Any other documentation that Acko may require upon intimation of claim.
• For payment we will require a cheque/ cancelled cheque from the claimant.

Claims process for customers on the DriveU App:

• Just go to your past drives in “My Drives” and tap on the one which you wish to raise a claim for.
• Now click on “Insurance” and then on “Claim Insurance” .Select the type of claim you wish to raise
• You will now be redirected to Acko’s online claim process.
• You will be required to answer a few questions that will help the team verify the nature and extent of the damages sustained.

Claims process for customers on Acko Website:

• Go to www.acko.com and Login with your mobile number registered on DriveU and enter the OTP you receive.
• Under the ‘Claims’ header, select ‘DriveU Passenger Insurance’ which opens your ‘My Account’ page
• Select the ‘Drives’ filter which opens all your trips.
• Select the trip for which you want to claim insurance, which will take you to the policy detail page. Click on Initiate Claim to claim.
• Select the type of claim, follow the next few steps, and your claim will be registered with Acko.

Please note that this is only a basic description of the key terms of the Policy.

Once you have opted for cover, you will receive a Certificate of Insurance from Acko which will contain complete details of your cover under the Policy, and the applicable conditions and exclusions.