UNITED INDIA INSURANCE COMPANY LIMITED

SHOP NO. 75, FIRST FLOOR, ANAJ MANDI,

FATEHABAD - 125050 HARYANA
PHONE: (01667) 220589,(01667) 221198 FAX: EMAIL:

BURGLARY STANDARD POLICY

Policy No.:1119031223P111342934

PERIOD OF INSURANCE
From 11:00 hrs on 07/12/2023
To Midnight on 31/03/2024

Insured
MR WAHIGURU RICE & GENERAL MILLS
VPO TELIWARA TEHSIL RATIA
125051
FATEHABAD
HARYANA
IMPORTANT NOTICE: KINDLY UPDATE YOUR AADHAAR NO. AND PAN/FORM 60. PLEASE IGNORE IF ALREADY UPDATED.

Agent Name : ROHIT KUMAR

Agent Code : AGN1047404
9671441315
Mobile/Landline Number/Email :
[email protected]

The genuineness of the policy can be verified through "Verify Your Policy" link at www.uiic.co.in.

For any Information, Service Requests, Claim intimation and Grievances please write to [email protected]

Download Customer App(www.uiic.co.in). REGD. & HEAD OFFICE, 24, WHITES ROAD, CHENNAI - 600014.
Website: http://www.uiic.co.in
Printed By : PAR28709 @ 07/12/2023 11:10:25 AM

This document is digitally signed

Signer: KALAIVENI SUBBIAH

Date: Thu, Dec 7, 2023 11:09:56 IST
Location: United India Insurance Company Ltd
1/7 Reason: Signing Policy for UIIC
 BURGLARY STANDARD POLICY
SCHEDULE

Policy Number 1119031223P111342934 Previous Policy Number 1119031223P101498632

Name/ID MR WAHIGURU RICE & GENERAL MILLS / 23066961747
Tel. (O) Tel.(R) Fax
Insured Details
Email [email protected] Mobile 8818000079
Business/Occupation Others
Period of Insurance From From 11:00 hrs on 07/12/2023 To To Midnight on 31/03/2024

Coinsurance Details UIIC 111903 : 100%

Agreement
Financier Name Branch Name Address
Type
AXIS BANK LTD. Hypothecation HISAR HISAR 125047 HARYANA

Premise:(Description and situation of the premises containing the Premium : 14,535.00

property insured) CGST(9%) : 1,308.00
SGST(9%) : 1,308.00
Note : The premises shall not include yard, garden,open space or
out building not communicating with the main building. Stamp Duty : 1.00
Total : 17,152.00
Receipt Number : 10111190323112778462
Receipt Date : 07/12/2023

Agent/Broker Code : AGN1047404

BDIS Code : BD37353

Pin
Location Id Location Address / Sitation
Code
JATINDER SINGH GODOWN NO 1 AND 2 LEASE TO WAHIGURU RICE AND GENERAL MILLS VILLAGE TELIWARA RATIA
23340982329 125051
125051

Description of Items Sum Sum

Location ID Risk No./Description-Description of Goods
Insured Insured/Item Insured/Risk
23340982329 Stock in Trade or Goods in the custody of the Insured - Other ALL TYPE OF RICE &
general goods PADDY AND BARDANA 170,000,000.00 170,000,000.00

Subject to BP clause as attached Total Sum Insured 170,000,000.00

Imposed Excess : 0/-

Additional conditions (if Nil

any):
Property described above is
Nil
mortagaged to:

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 Policy No.:1119031223P111342934

Kindly incorporate the following: Excess: 5% of claim amount subject to minimum of Rs.10,000/-
Warranties: 1.Warranted that the premises are not left open during night time. 2.warrantied that
the insured location is safeguarded 24 hours 3.Burglary alarm should be fitted in case the
premises is unoccupied 4.CCTV cameras should be fitted in the premises and should be working
at the time of loss 5.Warranted that Goods held in trust or commission are not covered under
the policy 6.Warranted that burglary alarm should be installed in the premises & the same
should be working at the time of loss Conditions: 24*7 security arrangement and CCTV
Underwriting Remarks Surveillance /watch and ward facility should be there. Exclusions: 1)Dishonesty of an employee.
2)Shortfalls due to errors or omissions. 3)Mysterious disappearance & Loss discovered during
inventory or stock taking is not covered 4)Loss, destruction or damage arising outside the
territories specified in the schedule. 5) Any loss due to depreciation in value. 6)Any loss from
unattended vehicle. 7)Liability for bodily injury caused to employees or representatives of the
insured who may be attacked while carrying or handling money and / or securities on behalf of
the insured. 8)Communicable diseases exclusion clause 9)Larceny is excluded under the policy
10)Terrorism exclusion All other T & C as per Burglary policy

Voluntary Excess( ) 0.00 Compulsary Excess( ) 10000

Customer GST/UIN No.: 06GIPPS0860B1Z5 Office GST No.: 06AAACU5552C1ZN

SAC Code: 997137 Invoice No. & Date: 1223I111342934 & 07/12/2023
Amount Subject to Reverse Charges-NIL

We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the
aggregate turnover notified under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of the said
sub-rule.
Anti Money Laundering Clause:-In the event of a claim under the policy exceeding 1 lakh or a claim for refund of premium exceeding
1 lakh, the insured will comply with the provisions of AML policy of the company. The AML policy is available in all our operating offices as
well as Company's web site.

LET US JOIN THE FIGHT AGAINST CORRUPTION. PLEASE TAKE THE PLEDGE AT https://pledge.cvc.nic.in.

Date of Proposal and Declaration: 07/12/2023

IN WITNESS WHEREOF,the undersigned being duly authorised has hereunto set his/her hand at BO FATEHABAD 111903 on this 07th day of
December 2023 .

For and On behalf of

United India Insurance Co. Ltd.

Affix Policy
Stamp here.

Duly Constituted Attorney(s)

Underwritten By - PAR28709 ( BO UNDERWRITER ) , Approved By -
KAM37331(RO UNDERWRITER NEW)

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 Policy No.:1119031223P111342934

BURGLARY AND HOUSE BREAKING POLICY (BUSINESS PREMISES)

PREAMBLE

WHEREAS the Insured described in the Schedule hereto (hereinafter called the "Insured") by a proposal and declaration which shall be the
basis of this contract and is deemed to be incorporated herein has applied to UNITED INDIA INSURANCE COMPANY LIMITED (hereinafter
called the "Company") for the insurance hereinafter contained and has paid the premium stated in the said Schedule as consideration for
such insurance during the period stated in the said Schedule or during any further period for which the Company may accept payment for
the renewal or extension of this policy.

OPERATIVE CLAUSE

The Company hereby agrees subject to terms, conditions and exclusions herein contained or endorsed or otherwise expressed hereon to
indemnify the Insured to the extent of intrinsic value of :

(a) Any loss of or damage to property or any part thereof whilst contained in the premises described in the schedule hereto due to
Burglary or House-breaking (theft following upon an actual forcible and violent entry of and / or exit from the premises) and Hold-
up.

(b) Damage caused to the premises to be made good by the Insured resulting from burglary and / or house-breaking or any attempt
there at any time during the period of insurance.

Provided always that the liability of the Company shall in no case exceed the sum insured stated against each item or Total Sum
Insured stated in the Schedule.

EXCLUSIONS

The Company shall not be liable in respect of :

(i) Gold or Silver articles, watches or jewellery or precious stones or models or coins or curios, sculptures, manuscripts, rare books,
plans, medals, moulds, designs, deeds, bonds, bills of exchange, bank, treasury or promissory notes, cheques, money,securities,
stamps, collection of stamps, business books or papers, unless specifically insured.

(ii) Loss or damage where any inmate or member of the Insured's household or of his business staff or any other person lawfully in the
premises in the business is concerned in the actual theft or damage to any of the articles or premises or where such loss or damage
have been expedited or any way assisted or brought about by any such person or persons.

(iii) Loss or damage which is recoverable under Fire or Plate Glass Insurance policy, or any other policy.

(iv) (a) Loss or damage directly or indirectly, proximately or remotely occasioned by, or which arises out of or in connection with
Riot and Strike, Civil Commotion, Terrorist activities, Earthquake, Flood, Storm, Volcanic eruption, Typhoon, Hurricane, Tornado,
Cyclone or other convulsions of nature or atmospheric disturbances.

(b) Loss or damage whether direct or indirect arising from war, warlike operations and / or foreign enemy hostilities (whether war be
declared or not), civil war, revolution, insurrection, civil commotion, military or usurped power, seizure, capture, confiscation,
arrests, restraints and detainment by order of any governments or any other authority.

In any action, suit or other proceedings where the Company alleges that by reason of the above Provisions any loss or damage is
not covered by this Insurance, the burden of proving that such loss or damage is covered shall be upon the Insured.

(v) (a) Any loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any
Consequential Loss and any Legal Liability of whatsoever nature directly or indirectly caused by, or contributed to, or arising
from ionising radiation or contamination by radioactivity from any source whatsoever.

(b) Any accident, loss, destruction, damage or Legal Liability directly or indirectly caused by or contributed to by or arising from
Nuclear weapons material.

(vi) Consequential Loss or Legal Liability of any kind.

(vii) Loss of money and/or other property abstracted from safe following the use of the key to the said safe or any duplicate key thereof
belonging to the Insured, unless such key has been obtained by assault or violence or any threat thereat.

(viii) This policy shall cease to attach

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 Policy No.:1119031223P111342934

(a) If the premises shall have been left uninhabited by day and night for seven or more consecutive days and nights while the
premises are left uninhabited.

(b) If the Insured shall cause or suffer any material alteration to be made in the premises or anything to be done whereby the
risk is increased.

(c) To any property the interest of the Insured in which shall pass from the Insured otherwise than by will or operation of law.

unless in every case, the consent of the company to the continuance of the Insurance thereon is obtained and signified on
the policy

SPECIAL CONDITIONS

1. Reinstatement of Sum Insured :

Immediately upon the happening of any loss or damage as described in the policy, the Total Sum Insured and the Sum Insured
upon the various descriptions of property which have been lost or damaged, shall be reduced by the amount of loss or damage and
such reduced Sums Insured shall be the limit of the Company's liability in respect of any further loss or damage occurring during the
current period of Insurance unless the Company consents, upon payment of additional premium to reinstate the full Sum Insured.

2. Maintenance of Books & Keys:

The Insured shall keep a daily record of the amount of cash contained in the Safe or Strongroom and such record shall be deposited
in a secure place other than the Safe or Strongroom and produced as documentary evidence in support of a claim under this policy.
The keys of the Safe or Strongroom shall not be left on the premises out of business hours unless the premises are occupied by the
Insured or any other authorised employee of the Insured in which case such keys if left on the premises shall be deposited in a
secure place not in the vicinity of the Safe or Strongroom.

GENERAL CONDITIONS

1. NOTICE: Every notice and communication to the Company required by this Policy shall be in writing to the office of the Company
through which this insurance is effected.

2. DUTY OF DISCLOSURE: This policy shall be void and all premium paid thereon shall be forfeited to the Company in the event of
misrepresentation, misdescription or non-disclosure of any material fact.

3. REASONABLE CARE: The Insured shall take all reasonable steps to safeguard the property insured against accident, loss or damage

4. CLAIMS PROCEDURE: Upon the happening of any event giving rise or likely to give rise to a claim under this Policy :

(a) The insured shall give immediate notice thereof in writing to the nearest office of the Company with a copy to the policy issuing
office of the Company as well as lodge forthwith a complaint with the Police.

(b) The insured shall deliver to the Company, within 14 days of the date on which the event shall have come to his knowledge, a
detailed statement in writing, of the loss or damage, with an estimate of the intrinsic value of the property lost and the amount
of damage sustained.

(c) The Insured shall tender to the Company all reasonable information, assistance and proofs in connection with any claim
hereunder.

5. INDEMNITY: The Company may at its option reinstate, replace or repair the property or premises lost or damaged or any part
thereof instead of paying the amount of loss or damage or may join with any other insurer in so doing. However the Company shall
not be bound to reinstate exactly or completely but only as circumstances permit and in reasonably sufficient manner and in no case
shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the
time of the occurrence of such loss or damage not more than the sum insured thereon.

6. AVERAGE: If the property hereby insured shall at the time of any loss or damage be collectively of greater value than the sum
insured thereon, then the Insured shall be considered as being his own insurer f o r t h e d i f f e r e n c e , a n d s h a l l b e a r a r a t e a b l e
proportion of the loss or damage accordingly. Every item, if more than one, in the Policy, shall be separately subject to this condition.

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 Policy No.:1119031223P111342934

7. CONTRIBUTION: If at the time of the happening of any loss or damage covered by this policy there shall be existing any other
insurance of any nature whatsoever covering the same, whether effected by the Insured or not, then the Company shall not be liable
to pay or contribute more than its rateable proportion of any loss or damage.

8. SUBROGATION: The Insured and any claimant under this Policy shall at the expense of the Company do or concur in doing or
p e r m i t t o b e d o n e a l l s u c h a c t s a n d things that may be necessary or reasonably required by the Company for t h e p u r p o s e o f
enforcing any rights and remedies or obtaining relief or indemnity from other parties to which the Company shall be or would
become entitled or subrogated upon the Company paying for or making good any loss or damage under this Policy whether such
acts and things shall be or become necessary or required before or after the Insured's indemnification by the Company.

9. FRAUD: If any claim under this Policy shall be in any respect fraudulent or if any fraudulent means or devices are used by the
Insured or any one acting on the insured's behalf to obtain any benefit under this Policy, all benefits and rights under the Policy shall
be forfeited.

10. CANCELLATION: The Company may at any time cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material
fact or non-cooperation by the insured by sending fifteen days notice in writing by Registered A/D to the insured at his last known
address in which case the Company shall return to the insured a proportion of the last premium corresponding to the unexpired
period of insurance if no claim has been paid under the policy. The insured may at any time cancel this policy and in such event the
Company shall allow refund of premium at Companys short period rates provided no claim has occurred upto t h e d a t e o f
cancellation.

11. ARBITRATION AND DISCLAIMBER: If any difference shall arise as to the quantum to be paid under this Policy (liability being
otherwise admitted) such difference shall independently of all other questions be referred to the decision of a sole arbitrator to be
appointed in writing by the parties in difference, or if they cannot agree upon a single arbitrator within 30 days of any party invoking
arbitration, the same shall be referred to a panel of three arbitrators, comprising of two arbitrators, one to be appointed by each of
the parties to the dispute / difference, and the third arbitrator to be appointed by such two arbitrators, and arbitration shall be
conducted under and in accordance with the provisions of the Arbitration and Conciliation Act 1996.

It is clearly agreed and understood that no difference or dispute shall be referable to arbitration as hereinbefore provided, if the
Company has disputed or not accepted liability under or in respect of this policy.

It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this policy that
the award by such arbitrator / arbitrators of the amount of the loss or damage shall be first obtained.

12. OBSERVANCE OF TERMS AND CONDITIONS: The due observance and fulfillment of the terms, conditions and endorsements of this
policy in so far as they relate to anything to be done or complied with by the Insured, shall be a condition precedent to any liability
of the Company to make any payment under this Policy.

13. RENEWAL NOTICE: The Company shall not be bound to accept any renewal premium nor give notice that such is due.

Communicable Disease Exclusion Clause:-

1. Notwithstanding any provision, clause or term of the Policy, to the contrary, it is declared and/or clarified that nothing in the Policy shall
be construed as covering loss, cost, damage, liability, claim, fines, penalty or expense or any other amount of whatsoever nature, whether
directly or indirectly and/or in whole or in part, related to, caused by, contributed to by, resulting from, as a consequence of, attributable to,
arising under, out of or in connection with, or in any way involving (this includes all other terms commonly used and/or understood to
reflect or describe nexus and/or connection from one thing to another whether direct or indirect):
1.1 a Communicable Disease including fear and/or threat thereof (whether actual or perceived), the actual or alleged transmission thereof,
regardless of any other cause or event having occurred or contributed thereto either concurrently or in any sequence
1.2 a pandemic or epidemic, whether declared by the World Health Organisation or any governmental authority.
2. As used herein, Communicable Disease means: any infectious, contagious or communicable substance or agent and/or any infectious,
contagious or communicable disease which can be caused and/or transmitted by means of substance or agent where:
2.1 the disease includes, but is not limited to an illness, sickness, condition or an interruption or disorder of body functions, systems or
organs, and
2.2 the substance or agent includes, but is not limited to, a virus, bacterium, parasite, other organism or other micro-organism (whether
asymptomatic or not); including any variation or mutation thereof, whether deemed living or not, and
2.3 the method of transmission, whether direct or indirect, includes but not limited to, airborne transmission, bodily fluid transmission,
transmission through contact with human fluids, waste or the like, transmission from or to any surface or object, solid, liquid or gas or
between organisms including between humans, animals, or from any animal to any human or from any human to any animal, and
2.4 the disease, substance or agent is such:
2.4.1 that causes or threatens damage or can cause or threaten damage to human health or human welfare, or
2.4.2 that causes or threatens damage to or can cause or threaten damage to, deterioration to, contamination of, loss of value of, loss of
marketability of or loss of use or usefulness of, tangible or intangible property. For avoidance of doubt, Communicable Disease includes
but is not limited to Coronavirus Disease 2019 (Covid -19) and any variation or mutation thereof.
3. For further avoidance of doubt, any contingent or other business interruption loss, cost, damage, loss of income, loss of use, increased
cost of working and/or extra expense arising out of or attributable to:
3.1 any partial or complete closure of and/or slowdown in, including but not limited to any closure by or under the advisories of public,
military, government or civil authorities, or any prevention/denial of access to insured premises, or customer and or supplier premises
(including service / utility providers), or
3.2 change in consumer behaviour, or
3.3 an absence of infected employees or employees suspected of being infected shall not be covered by this Insurance Contract.
4.For still further avoidance of doubt, loss, cost, damage, liability, claim, fines, penalty or expense or any other amountexcluded hereby,
includes but is not limited to any cost to identify, clean-up, detoxify, disinfect, decontaminate, mitigate, remove, evacuate, repair, replace,
monitor, sanitize or test:
(1) for a Communicable Disease or
(2) any tangible or intangible property covered by this Iinsurance Contract that is affected by such Communicable Disease.
5. It is clarified that
(1) no other prior, concurrent or subsequent provision, clause, term or exception of this Insurance Contract (including (but not limited to)
any prior, concurrent or subsequent endorsement and/or any provision, clause, term, buy back or exception that operates, or is intended
to operate, to extend the coverage of, or protections provided by, this Insurance Contract by whatever name called like any coverage
extension, additional coverage, global extension, exception to any exclusion);

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(2) any change in the law, clause or similar provision;
(3) any follow the fortunes clause or similar provision; and/or
(4) no change in the law or any regulation (to the extent permitted by applicable law), shall operate to provide any Insurance, coverage or
protection under this Insurance Contract that would otherwise be excluded through the exclusion set forth in this Endorsement Clause.
6.If the Insurer alleges that by reason of this Endorsement, any amount is not covered by this Insurance Contract,the burden of proving
to the contrary shall be upon the Insured.

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