@php $path = public_path('/images/fairfirst/home/fairfirst-logo-small.jpg'); $type = pathinfo($path, PATHINFO_EXTENSION); $data = file_get_contents($path); $base64 = 'data:image/' . $type . ';base64,' . base64_encode($data); @endphp

FAIRFIRST INSURANCE LIMITED
(Company No. PB 5180)
No. 33, St. Micheal's Road, Colombo 03, Sri Lanka.
Tel: 011-2428428 (Customer service)

{PAGENO}

MOTOR SCHEDULE

PRIVATE CAR VEHICLE – {{ strtoupper($policyTitle) }} POLICY

@if($quote_data['product_code'] == 'COMP' ) @else @endif

INSURED
	Name	{{ strtoupper($user_data['title']) . strtoupper($user_data['surname']) . ' ' . strtoupper($user_data['initials']) }}
	Policy No	{{ $quote_data['butterfly_policy_code'] }}
	Address	{{ strtoupper($user_data['address1'])}} @if(!is_null($user_data['address2'])) , {{strtoupper($user_data['address2'])}} @endif @if(!is_null($user_data['address3'])) , {{strtoupper($user_data['address3'])}} @endif @if(!is_null($user_data['city'])) , {{strtoupper($user_data['city'])}} @endif
	Policy Start Date	{{ $start_date }}
	Policy End Date	{{ $expire }}
VEHICLE
	Make/Model	{{ $quote_data['make'] . '/' . $quote_data['model'] }}	Body Type
	Engine no.	{{ $quote_data['engine_number'] }}	Reg.no.	{{ strtoupper($quote_data['vehicle_number']) }}
	Chassis no.	{{ $quote_data['chassis_number'] }}	Year of manufacture	{{ $quote_data['yom'] }}
	Capacity	{{ $model_data['engine_capacity'] }}	Manufacture	{{ $quote_data['make'] }}
	Fuel Type	{{ $quote_data['fuel'] }}	No of seats	{{ $model_data['seating_capacity'] }}
	Estimated Value	SLR {{ number_format($quote_data['insured_value'],2) }}
PREMIUM
	Basic annual premium(Comprehensive)		SLR	{{ number_format($quote_data['basic_premium'],2) }}
	Basic annual premium(Third Party Liability)		SLR	{{ number_format($quote_data['gross_premium'],2) }}
	Premium Due		SLR	{{ number_format(($quote_data['gross_premium'] - $quote_data['discount_amount']),2) }}
	Policy Fee		SLR	{{ number_format($quote_data['policy_fee'],2) }}
	Stamp Duty		SLR	{{ number_format($quote_data['stamp_duty'],2) }}
	Road Safety Fee		SLR	{{ number_format($quote_data['road_safety'],2) }}
	Taxes		SLR	{{ number_format($quote_data['cess'] + $quote_data['nbt'] + $quote_data['vat'] ,2) }}
	Total Due		SLR	{{ number_format($quote_data['total_activation_fee'],2) }}
UNDER WRITING FACTORS
	Value of vehicle		SLR	{{ number_format($quote_data['insured_value'],2) }}
	Age of the Vehicle		{{ \Carbon\Carbon::now(new DateTimeZone('Asia/Colombo'))->format('Y') - $quote_data['yom'] }}
	Vehicle Make		{{ $quote_data['make'] }}
	Year of vehicle		{{ $quote_data['yom'] }}
	Manufacture		{{ $quote_data['model'] }}

Authorised drivers:

Not being an Excluded driver as defined in the Certificate of Insurance

{{--@if ($quote_data['product_code'] == 'TP' || $quote_data['product_code'] == 'TL')--}}

Limitations as to use:

Not being within the definition of Excluded use as defined in the Certificate of Insurance

Terms, Conditions and Coverage under your Motor Policy

We are honored that you choose Fairfirst insurance to be your trusted insurance service provider, You are very important to us and we assure you that we will take care of you and your loved ones if you meet with any unfortunate motor accident. It’s time to start our journey together but before we do please take a moment to read our Terms and Conditions section. This will allow you to understand what you just bought.

We are Fairfirst and we believe in treating our customers exactly the way we want to be treated. So if you don’t like what you read about the terms, conditions or coverages applicable to your motor policy, we are the only insurance company in Sri Lanka which provides a cooling off period with a guaranteed money back policy.

MONEY BACK GURANTEE

In the event, you are dissatisfied/not in agreement with the Terms, Conditions and Coverage of this Policy, we will provide a 7 day "Cooling Off" period during which time you can cancel your policy, subject only to an administration fee.

A. General Terms

Cover note or Motor certificate is valid only for the vehicle number/chassis number stated herein.
Cover note or Motor certificate is issued for a vehicle in accident free good condition. (Without any pre-accident damages or losses)

@if ($quote_data['product_code'] == 'TP')

Why is this called Third Party?

First Party (Insured) = You (Our valued customer)

Second Party (Insurer) = Us (Fairfirst insurance)

Third Party = Any other road user

This policy only covers liability towards any other road users an essential security which provides the minimum protection required by law (Motor Traffic Act, No 14 of 1951 as amended). Our Third-Party motor insurance policy will cover the costs associated with loss or damage to a third party in case of an accident.

What we cover

Death or Bodily Injury to a third party – Unlimited cover

Property damage cover up to Rs. 15,000

Does this policy cover damages to my vehicle?

Sadly, NO. Select the one which suites for you from our range of products which protects You, Your loved ones, Your Vehicle and any other road user.

@endif @if ($quote_data['product_code'] == 'TL')

B. Coverage under your Motor Policy

What is a Total Loss? Any damage beyond economical repair..

What is meant by Beyond Economical Repair is that the estimated cost of repairing your car exceeds the Replacement or Market value of a similar conditioned vehicle.

What is Third Party Insurance?

First Party (Insured) = You (Our valued customer)

Second Party (Insurer) = Us (Fairfirst insurance)

Third Party = Any other road user

What is Covered

Total Loss of vehicle due to Theft, Accident, Fire, External Explosion, Self-Ignition, Lightning or Natural Disaster.
Third party Death or Bodily injury – Unlimited
Third party property damage up to a maximum of SLR. 15,000/-

What is Not Covered

Any partial Loss or Damages to insured vehicle due to Accident(s), Theft, Fire, External Explosion, Self-Ignition, Lightning, Natural Disaster or any Malicious act.
Any partial loss or Total loss due to SRCC (Strike Riots and Civil Commotion Cover).
Any partial loss or Total loss due to TC (Terrorism Cover).

C. Conditions

Intimation

All Claims need to be immediately reported to Fairfirst Insurance LTD, via our Accident Hotline number 011-2428428. Failing to do so may prejudice your Motor Claim.

Total Loss Settlement

In the event of the Vehicle been damage beyond economical repair, the Value of the Vehicle will be ascertained via an independent Valuation obtained by a Reputed Valuer which will be the basis of the Total Loss settlement offered.

@endif @if ($quote_data['product_code'] == 'COMP')

B. Coverage under your Motor Policy

1. Your Liability

We will insure You for all amounts which You may have to pay as a result of You being legally liable for:

Another person’s death or injury by your Motor Bike.
Damage to another person’s property up to a maximum amount of LKR. 15,000 (including that person’s cost and expenses and any other cost and expenses) as a result of an accident caused by your Motor Bike.

2. Loss of or Damage to Your Vehicle

We will indemnify you against loss of or damage to your Motor Bike

By accidental external means, or
By fire, or
By Theft, or Theft of Parts or
By Malicious act, or
By Specified natural perils
By Strikes, riots and civil commotion (SRCC) or

The above covers are extended to your Motor Bike whilst your Motor Bike is in transit by road, rail, inland waterway, lift or elevator if we accept the liability to pay a claim under section 1 (of the Motor Policy), we may at our own option:

Pay for your Motor Bike to be repaired; or
Replace your Motor Bike; or
Pay you a cash amount equal to value of the loss or damage.

3. What is Not Covered

]

Age of Vehicle/Years	Owner’s contribution Replacement		Consumables/Working and Moving Parts/Electronic and Electrical Items
	Replacements	Replacement Motor Scooters
1st Year	NIL	NIL	50%
2nd Year	10%	20%	50%
3rd Year	15%	25%	50%
4th Year	25%	35%	50%
5th Year	30%	40%	50%
6th Year	35%	45%	50%
7th Year	40%	45%	50%
8th Year	45%	45%	50%
9th Year	50%	50%	50%
10th Year & above	50%	50%	50%

C. Conditions

Intimation

All Claims need to be immediately reported to Fair First Insurance LTD, via our Accident Hotline number 011-2428428. Failing to do so may prejudice your Motor Claim.

Flood Claims

In the event of Claims arising out of Natural Perils/Floods, The Company will not be liable for damage caused to exposed, mechanical and Electrical Units, unless the Vehicle is fully submerged under flood water.
The Company will not cover damage caused as a result of Aquaplaning or water ingress into mechanical and sealed electrical components as result of same.

Accidental External Impact

The Company will exclude liability primarily arising out of any damage caused only to Rims (Alloy Wheels) and/or Tyres, unless such vehicle sustains other damages as a result of accidental external means. It will also exclude mechanical components attached to the wheel (Tyre/Rim).

Consumable Items

Items such as Oils, Gases, Lubricants, Repair Kits, CV Joints, Boot Covers, Gaskets, Belts, Brake Pads, Liners, Clutch & Pressure Plates, Plastic Clips, Tapes, Oil Seals, O-Rings, Stickers, Wiper Blades, Rubber Beadings, Filters, Washers and other Rubber parts are considered Consumables. The Liability of the Company will be limited to 50% of the adjusted replacements costs.

Total Loss Settlement

In the event of the Vehicle been damage beyond economical repair, the Value of the Vehicle will be ascertained via an independent Valuation obtained by a Reputed Valuer which will be the basis of the Total Loss settlement offered.

@endif

THIS IS A COMPUTER-GENERATED DOCUMENT. HENCE NO MANUAL SIGNATURE IS REQUIRED.

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