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$path = public_path('/images/fairfirst/home/fairfirst-logo-small.jpg');
$type = pathinfo($path, PATHINFO_EXTENSION);
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FAIRFIRST INSURANCE LIMITED (Company No. PB 5180) No. 33, St. Micheal's Road, Colombo 03, Sri Lanka. Tel: 011-2428428 (Customer service) |
{PAGENO}
PRIVATE CAR VEHICLE – {{ strtoupper($policyTitle) }} POLICY
| INSURED | ||||
| Name | {{ strtoupper($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
{{--@endif--}}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.
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MONEY BACK GUARANTEE 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. |
CAUTION – Luxury/Semi Luxury LevyIf you are liable to pay please make sure to pay your tax amounts on time as strict compliance is expected. If deviated from, a 50% penalty will be imposed together with the original tax amount as per tax guidelines issued by the Department of Motor Traffic. |
CAUTION – Luxury/Semi Luxury LevyIf you are liable to pay please make sure to pay your tax amounts on time as strict compliance is expected if deviated from a 50% penalty will be imposed together with the original tax amount as per tax guidelines issued by the Department of Motor Traffic. |
Our Third-Party motor insurance policy will cover the costs associated with loss or damage to a third party in case of an accident.
Death or Bodily Injury to a third party – Unlimited cover
Property damage cover up to Rs. 5 Million
NO. This policy will cover only death or bodily injury and/or property damage caused to a third party.
@endif @if ($quote_data['product_code'] == 'TL')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
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' || $quote_data['product_code'] == 'CUST')We will cover you against the following liabilities:
We will indemnify you against loss of or damage to your vehicle
PLAN 1
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PLAN 2
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PLAN 3
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PLAN 4
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PLAN 5
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AGENT'S REPAIR OPTION - YES |
| Owners contribution charts - Agent Repair Cover (Yes) (In the event of brand new parts been replaced the following owner’s contribution will have to be borne by the Insured) |
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| Age of vehicle/Years | Owner's contribution | |
| Replacements | Consumables | |
| 1st Year | Nil | 25% |
| 2nd Year | Nil | 25% |
| 3rd Year | Nil | 50% |
| 4th Year | 15% | 50% |
| 5th Year | 20% | 50% |
| 6th Year | 30% | 50% |
| 7th Year | 30% | 50% |
| 8th Year | 35% | 50% |
| 9th Year | 35% | 50% |
| 10th Year | 35% | 50% |
| 11th Year & above | 50% | 50% |
Customer Protection Cover Contains Below |
Free Towing CoverIf the vehicle need to be towered after an accident, the cost of towing up to the maximum of SLR. 20,000/- per annum is payable subject to production of bills. |
Free Accidental Hospitalization Including Ambulance Services CoverIf the Insured is hospitalized due to an injury caused solely by a Motor Traffic accident of the motor vehicle described in the Schedule hereto. The Company will pay the Accidental Hospitalization including ambulance services of SLR. 5,000/per day up to maximum of 10 days based on the copy of completed diagnosis card and payment receipts. The company will not make any payment for first 2 days of Hospitalization, which has to be borne by the insured. Total liability of the Company under this endorsement shall not in any case exceed Rs 50,000/- per annum. |
Vehicle Taxi/Rental AllowanceIn the event of motor vehicle described in the schedule hereto being disabled by reason of loss or damage covered under this policy, the Company will pay the insured a vehicle rental allowance of Rs. 1,500 /- day up to a maximum of 10 days based on Company’s motor assessor’s estimated repair period, and such calculation shall be based on number of man days. The company will not make any payment for first 4 days of repairs, which has to be borne by the insured. Total liability of the Company under this endorsement shall not in any case exceed Rs 15,000/- per annum. |
Personal Accident Benefit CoverCover limited to capital benefits to 04 persons up to SLR. 250,000/- per person, due to accidental death whilst travelling in the car. (excluding SRCC and TC) Total liability of the Company under this endorsement shall not in any case exceed SLR 1,000,000/- per annum. |
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Strikes, riots and civil commotion (SRCC) |
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Terrorism Cover |
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RSA1 - Roadside Assistance |
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24 Hours Breakdown Service of First Aid nature consisting of jumpstart, flat tyre, engine misses, checking of electrical system including horn, checking of air pressure. |
Deductible Amount SLR {{ number_format($quote_data['deductible_amount'], 2) }}
[What is an Deductible? Based on your selection this is the monetary amount on each & every claim
which we will be reducing from your approved claim amount.]
PLAN 1
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PLAN 2
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PLAN 3
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PLAN 4
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PLAN 5
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AGENT'S REPAIR OPTION - NO In consideration of a special reduction in the premium it is hereby understood and agreed that you agreed to carry out the repairs on your car for a claim that we may become liable under section 1, 3 to 6 and endorsement sections of the policy at our affiliated garage or any other garage excluding authorized agent. However, if you choose to carry out the repairs at a garage of the authorized agent, deduction of 25% will be applicable on the approved labour component. |
| Owners contribution charts - Agent Repairs Cover (No) (In the event of brand new parts been replaced the following owner's contribution will have to be borne by the Insured) |
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| Age of vehicle/Years | Owner's contribution | |
| Replacements | Consumables | |
| 1st Year | 5% | 50% |
| 2nd Year | 10% | 50% |
| 3rd Year | 15% | 50% |
| 4th Year | 20% | 50% |
| 5th Year | 25% | 50% |
| 6th Year | 30% | 50% |
| 7th Year | 30% | 50% |
| 8th Year | 35% | 50% |
| 9th Year | 35% | 50% |
| 10th Year | 35% | 50% |
| 11th Year & above | 50% | 50% |
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Strikes, riots and civil commotion (SRCC) |
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Terrorism Cover |
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Cover Bundle |
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Electric Cover Bundle |
BEV CoverWe will provide indemnity in the event of a loss or damage to your electric battery and or inverter due to any accidental externally visible damage(s) We will not cover damages or loss due to any Faulty Circuitry, Manufacture Defects, Electrical, Electronic or Mechanical breakdowns. |
Liability Cover While on ChargeWe will cover your legal liability for death, bodily injury or damage to property arising out of the connection of the insured car to a domestic mains power supply or a rapid charging unit for the purposes of charging the car but only whilst it is connected by means of the manufacturer supplied domestic charging cable or the rapid charging unit’s standard heavy-duty cable. |
Domestic Charger Cable CoverWe will provide coverage for manufacturer supplied domestic charging cable for damages due to Electrical Surges, Overcharging, Overloading, Overheating, or through a combination of the above creating an insured peril while connected to a charging point or any other external power outlet. (Per Annum) |
Road Rescue CoverWe will provide coverage for the cost of onward transport of your insured vehicle to the nearest charging booth in case if you ran out of your battery charge for a maximum of SLR. 50,000/- (Per Annum) |
A compulsory excess of SLR 5,000/- will be applied to each and every claim from third claim onwards
@endif @if($quote_data['product_code'] == 'COMP' && ($quote_data['fuel_type'] =='MVPH' || $quote_data['fuel_type'] =='MVPE'))A compulsory excess of SLR 10,000/- will be applied to each and every claim from second claim onwards – Hybrid / Electric only
@endif
APPLICABLE ONLY FOR COMPREHENSIVE HYBRID MOTOR POLICIESA) The company shall indemnify the insured for damage to the battery and / or inverter as a result of collision damage to the vehicle insured under the policy with visible external means only |
| B) Maximum liability of the company in respect of the battery and / or inverter shall be limited to 10% of the insured value of the vehicle or 10% of the estimated market value of the vehicle at the time of the accident/damage or the current market value of a similar battery and / or inverter or the cost of restoring the damage battery and / or inverter to its pre-damage condition, whichever is less. |
| C) The Company will exclude liability to the Hybrid Battery unless it is directly damaged as a result of the Accident. Consequential Loss, subject to Impact on other areas of the Vehicle will not be covered. |
ELECTRICAL EXCESSNot with standing anything contrary in the policy, it is hereby declared and agreed that coverage under section 1 b.) |
IS AMENDED TO READ AS FOLLOWSb.) It is further understood and agreed that by Fire, External-explosion, Self-ignition, Lightning, will not apply in the event of any loss or damage whilst the vehicle is being charged by connected to the National Energy Grid. |
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Not with standing anything contrary in the policy, it is hereby declared and agreed that General Exclusions under Section 5 will be amended
to include the following wording as the 6th point). 6.) Further excluding any loss or damage caused due to Electrical Surges, Overcharging, Overloading, Overheating, or through a combination of the above creating an insured peril while connected to the National Energy Grid.
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THIS IS A COMPUTER-GENERATED DOCUMENT. HENCE NO MANUAL SIGNATURE IS REQUIRED.
{{--Security Code : {{ md5($quote_data['vehicle_number'] . $quote_data['product_code'] . \Carbon\Carbon::today()->format('d/m/Y H:i:A')) }}
--}}