Summary of Key Terms:

This summary of key terms under the Group Domestic Travel Insurance Policy Terms & Conditions
(“Policy”) is offered by Universal Sompo General Insurance Company Limited (“Universal Sompo”) to
ANI Technologies Private Limited (“Ola”). Covers under the Policy can be availed by registered users/
customers on the Ola mobile application or any other online platform, owned and/or operated by Ola,
including the One Travel Desk, (hereinafter referred to as “Ola App”) by selecting the option of ride
insurance.

The insurance cover under the Policy will apply only to Ola trips which are booked through the Ola
App. Insurance cover starts when customer’s Ola trip starts and cover ends when the Ola trip ends, up
to a maximum period of 1 day for City Taxi and Ola Rentals, and 10 days for Ola Outstation.

Key Benefits:

Key benefits available under the Policy for the named rider and co-passengers travelling with the
named rider on the same trip:

	Coverage Up to
Benefits	City Taxi	Rental	Outstation
Accidental Death Benefit	Rs. 7,50,000	Rs. 7,50,000	Rs. 1,500,000
Permanent Total Disability	Rs. 7,50,000	Rs. 7,50,000	Rs. 1,500,000
Permanent Partial Disability	Rs. 7,50,000	Rs. 7,50,000	Rs. 1,500,000
Accidental Medical Expense Reimbursement	Rs. 2,00,000	Rs. 2,00,000	Rs. 1,000,000
Trip Delay	Rs. 5,000	No	Rs. 20,000
Fire and Allied Perils (Home Building & Contents) &	Rs. 50,000	No	No
Home Insurance			Rs. 300,000
Hospital Daily Allowance	Rs. 750 per day (Max Rs. 5,250)	Rs. 750 per day (Max Rs. 5,250)	Rs. 2,000 per day (Max Rs. 14,000)
OPD Treatment (Accident & Sickness)	Rs. 3,000	Rs. 10,000	Rs. 20,000
Repatriation of Mortal Remains	Rs. 10,000	Rs. 10,000	Rs. 10,000
Ambulance Transportation Cover	Rs. 10,000	Rs. 10,000	₹20,000
Evacuation (Medical & Catastrophe)	Rs. 10,000	Rs. 10,000	₹20,000
Loss of Baggage and Personal Effects	No	No	Rs. 50,000
Electronic Equipment Cover	No	No	Rs. 50,000
Emergency Hotel Requirement	No	No	Rs. 15,000

City Taxi: All Ola rides which ply within city limits including Ola Auto, Ola Share, and Ola Bike. This does not include Ola Rental.

General Conditions:

• If due to any technical reason the insurance for the ride is not fulfilled & premium is not deducted then it is invalid. Insurance is valid only if the premium is deducted for the same along with the ride fare
• The insurance will not be available for bookings made from Ola’s partner platforms or Ola Point. Partner platforms are platforms where customers can book Ola rides via a platform owned and/or operated by third-party partners. Example: Tapzo, Google Maps, etc.
• The claim will not be permissible in case the number of passengers (including driver) is more than the permitted seating capacity of the vehicle.
• Loss of Baggage and Home Insurance does not cover any Valuables, Money, Securities, Jewellery, Tickets and Electronic items (other than Laptop). It covers only for the loss of the items and not partial damage.
• The claim will not be permissible in case of wilful act of the insured, self-inflicted injury, mental illness, drug or alcohol abuse.
• The policy does not cover any contractual and consequential liability, except as covered in the Policy or this summary.

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

• Any change of profession after inception of the Policy which results in the enhancement of the risk under the Policy, if not accepted and endorsed by Universal Sompo on the insurance certificate or insurance.
• Any event arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol, or hallucinogen.
• Any journey commenced to obtain medical care, treatment, or advice of any kind whether this is the sole purpose of customers journey or not.

Claim & Documents:

Rider can file a claim for any of these coverages on Ola App, Universal Sompo Website or Universal Sompo Contact number (1800-22-4030, 1800-200-4030) for registration of claim. Rider needs to submit following documents in case of a claim:

• Hospital bills and discharge summary in case of medical treatments.
• Respective certificates in case of death or disability.
• FIR in case of loss of baggage or loss under home insurance.
• Missed flight confirmation from airline carrier in case of missed flight.
• Hotel Bills in case of Emergency Stay.

Claims Process on the Ola App:

• Choose the ride from ‘Your Rides’ for which you wish to raise a claim.
• Tap ‘Support’ from the bottom bar.
• Tap ‘Claim Insurance for this ride’ from the list of the issues.
• On next screen, tap on ‘Claim Insurance’ to create a claim.

Claims Process on Universal Sompo website:

Ride with confidence, knowing we’re here to support you every step of the way..

On the Ola App:

Please note that this is only a basic description of the key terms. Once you have opted for cover, you
will receive a Certificate of Insurance from Universal Sompo which will contain complete details of
your cover under the Policy. If you should require any further details on the scope of cover or terms
and conditions, you can visit https://www.universalsompo.com/assets/file/OLA_T&C.pdf

      2W RoadSide Assistance

Benefits

The territorial scope of the Road Assistance Services provided by ROADZEN will be in the Republic of India, excluding islands

• Towing Service
• On Site Repair
• Fuel Assistance
• Flat Tyre Support
• Ambulance Support

Validity

• The plan is valid for 90 days from the date of registration. 
• Only the vehicle number registered will be serviced. 

Disclaimer

• The benefits are available only for non-electric retail 2 wheelers in India. Commercial vehicles and electric vehicles are not part of this program
• The plan will be activated after 7 days from the date of registration
• The validity of the plan is 90 days from the date of registration
• Only the vehicle number that was registered will be covered under this plan

Availing the Service

• You can call RoadZens’ 24×7 Toll Free number 08447748950
• Confirm your vehicle details to our executive
• Request for your service

Services 

1. Technical Assistance over phone: In the event of the customers calling for support related to any vehicle problem, ROADZEN shall understand the basic problem prior to offering solutions. Some minor, recurring issues such as Dashboard lights, boot, minor wiring problems, internal buttons not working etc. can be supported over the phone and ROADZEN shall try to resolve and guide customers for phone resolution.

2. “On Site” Repair of the Vehicle: Should a vehicle be immobilized due to a mechanical breakdown only that could be repaired within 30 minutes and during the process of which there will not be disassembly or demolition of parts, ROADZEN shall dispatch a technician or Service Provider, as the case may be, and bear transportation and labor costs.

3. Replacement/ Locked or Lost Keys: In event that the Customer inadvertently locks himself out of the vehicle or loses or breaks his/her keys, ROADZEN will provide locksmith dispatch service. The Service Provider shall have the right to require the Customer to show his/her ID card, driver’s license and/or other proof of ownership of the vehicle before providing the service. If a customer cannot provide the documents referred above or fails to authenticate the ownership of a vehicle the Service Provider has the right to refuse to provide this service. Alternatively, ROADZEN can arrange to recuperate the spare key at a place designated by the Customer and deliver it to the place where the vehicle is immobilized. This service is limited to delivery within the same city, and the distance between the place that the spare keys are stored, and the delivery location specified by the customer or the parking location of the vehicle is less than 50 KMs.

4. In case of Breakdown: In the event Vehicle suffers an immobilizing break down due to a mechanical or electrical fault which cannot be repaired on the spot, Customer will get the assistance in towing the vehicle to the nearest garage

5. In case of an Accident: In the event, Vehicle suffers an immobilizing breakdown due to an accident, Customer will get assistance in towing the vehicle to the nearest garage, using the appropriate towing mechanism.

6. Customer conference calling: For seamless & speedy services a conference call (wherever required) between the Customer, the assistance provider and itself will be arranged. Customers will be kept updated on the progress of intervention.
7. Flat Tyre Support: If the Vehicle has punctured or burst tyre (s) or bolts or valve related issues, ROADZEN shall take care of changing it with the spare tyre carried in the customer’s vehicle. In a case where a spare tyre cannot be used, the service provider shall accompany the customer to the nearest tyre repair shop and back to the vehicle. The customer shall have to pay directly to the tyre repair shop for repair and quality or workmanship. For vehicles stranded far away from relevant tyre repair shops we shall transfer the vehicle.

General Exclusions

1. Any event where breakdown is caused by deliberately inflicted damage, vandalism or participation in a criminal act or offense.
2. Any event when the driver of the vehicle is found to be in any of the situations that are indicated below:
3. The state of intoxication or under the influence of drugs, toxins or narcotics not medically prescribed.
4. Lack of permission or corresponding license for the category of the vehicle or violation of the sanction of cancellation or withdrawal of them.
5. Those accidents resulted from the illegitimate removal of the vehicle.
6. Those accidents or breakdowns that are produced when the Customers infringed upon the regulatory ordinances as far as the requisites and number of persons transported, weight and means of things and animals that can be transported or the form of handling.
7. Those happening while the vehicle lacks documentation or requisites (including the Technical Inspection of the Vehicles and Obligatory Insurance) legally necessary to circulate on public roads in the country where the vehicle is found.
8. Any vehicle involved in or liable to be involved in legal case prior to or post immobilization.
9. Those caused by fuels, mineral essences, and other inflammable, explosive or toxic materials transported in the vehicle.
10. Any accident or breakdown caused due to usage of the car for racing, rally and criminal activity purposes.
11. Luggage that is not sufficiently wrapped or identified, fragile luggage or perishable products, and any commercial goods carried in the vehicle.
12. Any animals carried in the vehicle.
13. Damaged door glasses or non-functional windows when there is no security or risks.
14. Broken rear-view mirror not obstructing driver’s view.
15. Damaged or faulty external fuel cap but vehicle has sufficient fuel to reach the nearest authorized dealer.
16. Windscreen wipers turning faulty in fair weather or vehicle running out of windscreen
17. wiper fluid.

The problems/ situations mentioned shall not immobilize the vehicle. It is important to consider that such a program is designed for emergencies. However, as it is an endeavor of ROADZEN to provide best customer support. In any such case if ROADZEN finds that customer’s safety might be at risk or he may be in adverse situation, relevant assistance service shall be activated as a goodwill measure even for the scenarios mentioned above.

Offer Eligibility

* This offer is applicable only when you Pay on Ola for ₹100 or more
* Offer can be availed 1 time during the campaign validity
* Offer is valid only on making payment on Ola using Paytm wallet

Offer Duration

* On your first transaction, the offer will be automatically activated.
* Pay on Ola 2 times before 31-10-2022, 23:59:00 to earn ₹50 cashback

Rewards

* Each reward will be received within 24 hours of completion of transaction on which the reward is eligible
* All scratch cards issued from this offer will expire after 7 days
* Paytm reserves its absolute right to withdraw and/or alter any terms and conditions of the offer at any time without prior notice.

Offer Eligibility

* This offer is applicable only when you Pay on Ola for ₹100 or more
* Offer can be availed 1 time during the campaign validity
* Offer is valid only on making payment on Ola using Paytm wallet

Offer Duration

* On your first transaction, the offer will be automatically activated.
* Pay on Ola 3 times before 31-10-2022, 23:59:00 to earn ₹75 Cashback

Rewards

* Each reward will be received within 24 hours of completion of the transaction on which the reward is eligible.
* All scratch cards issued from this offer will expire after 7 days
* Paytm reserves its absolute right to withdraw and/or alter any terms and conditions of the offer at any time without prior notice.

Offer Eligibility

* This offer is applicable only when you Pay on Ola for ₹100 or more
* Offer can be availed 1 time during the campaign validity
* Offer is valid only on making payment on Ola using Paytm wallet

Offer Duration

* On your first transaction, the offer will be automatically activated.
* Pay on Ola 5 times before 31-10-2022, 23:59:00 to earn ₹50 cashback

Rewards

* Each reward will be received within 24 hours of completion of the transaction on which the reward is eligible.
* All scratch cards issued from this offer will expire after 7 days
* Paytm reserves its absolute right to withdraw and/or alter any terms and conditions of the offer at any time without prior notice.

Offer: Rs. 50 cashback on 3 rides of Rs. 100 or more using Paytm Wallet

Minimum Ride fare: Rs 100

Offer Eligibility

• This offer is applicable only when you Pay on OLA for ₹100 or more
• Offer can be availed 1 time during the campaign validity
• Offer is valid only on making payment on OLA using Paytm wallet

Offer Duration

• On your first transaction, the offer will be automatically activated
• Pay on OLA 3 times before 30-09-2022, 23:59:00 to earn ₹50 Cashback
• The validity of the offer will be from 7th September 2022 till 30th September 2022

After	Cashback
1st Ride	Rs. 10
2nd Ride	Rs. 15
3rd Ride	Rs. 25

Important Terms

• This offer is applicable only when you Pay on OLA for ₹100 or more
• Offer can be availed 1 time during the campaign validity
• Cashback will be credited after 3 successfully completed rides
• No Cashback will be credited if only 1 or 2 rides taken

Rewards

• Each reward will be received within 24 hours of completion of the transaction on which the reward is eligible
• All scratch cards issued from this offer will expire after 7 days
• If you have not completed your KYC, or have breached your monthly wallet limit, instead of cashback, you will receive cashback in Gift Voucher
• Paytm reserves its absolute right to withdraw and/or alter any terms and conditions of the offer at any time without prior notice

Q. What benefits are covered under Flight insurance?

Flight insurance provides coverage against Missed flight, Baggage Loss, Flight delay, Missed connection flight,carrier cancellation ,delay in checked in baggage and bounce booking.

Q. How do I claim for Flight insurance?

● Email at customerfirst@careinsurance.com​ to intimate the claim. 

● You should mention your CRN number of the trip ( along with the benefit for which the claim is made)

● We recommend raising a claim within 24 hours after  the carrier reaches the destination. 

Q. Is the cover applicable for international flights?

No, the coverage is applicable only for domestic flights

Q. What is the duration of the cover?

The coverage starts when your OLA ride to the airport starts and ends when the carrier reaches the destination or in 24 hours whichever is earlier.

Q. Who can make a claim for flight insurance

The registered OLA user who booked the ride to the airport can make a claim for Flight insurance

Q. How do I opt in for Flight insurance?

When you book a ride to the airport you will be shown a blocker as soon as you click on the booking button, you can optin from that blocker.

Q. How will I pay the premium?

Once opted in , the premium will be added to your OLA bill.

Q. Can I cancel my flight insurance once the trip starts?

No you won’t be able to cancel the policy after the trip starts since the duration of the policy is very short.

Q. Where can I get the certificate of insurance?

Certificate of insurance will be sent to your OLA registered email id. It can also be downloaded from the ride history page

For any queries email us at insurance_care@olamoney.com

Terms & Conditions

• This offer is subject to conditions and eligibility criteria set by the bank.
• The Zero Down Payment option is being offered by IDFC First Bank and Tata Capital. 
• The aforementioned banks will provide a funding of 110% for select cases based on the customer profile and post completion of car profiling.

Buyer eligibility criteria (expected by most of the lenders): 

1. Buyer must have an adequate credit profile in accordance with the underwriting standards of the respective financier. 
2. Buyer must be a salaried individual with a salary of over one lakh monthly liabilities/payables that is not more than 40% of the net monthly take home.
3. The occupation and permanent address of the buyer must remain unchanged for at least a year.
4. Submission of negative pin code or address is prohibited.
5. Buyer must be employed with any of the top category or listed companies.
6. Buyer can not have a bounce record or dispute(s) within any loan case in the duration of the last one year. Buyer should be able to provide documentation or proof of the same.

At Ola, we’re always looking at ways to improve your experience. You asked for it, we’ve got it. Now, whenever you pick the digital option to pay for rides, you’ve got two easy options to complete the payment.

1. You pay during the trip; it’s simple – you know how this works
2. You pay after the trip–but without cash–yes! You can pay digitally from the comfort of your couch before your next trip

This means you don’t need to complete your payment by paying the driver any cash. You’ll do it when it’s convenient to you–digitally. 

Pick the digital payment option confidently! You don’t need to worry about low network areas, transaction failures, or just not remembering to pay during the ride. 

Please note:

• This change applies only to your daily intra-city rides and if you have chosen any payment mode other than cash
• Do not pay any cash to your driver if your selected payment instrument is not cash