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CHOOSE ELECTRIC CARS

One of the most exciting entrants in the vehicle industry, at present, are electric cars. Once a concept, they have now become mainstream.

More and more people are now opting for it. Accessibility is said to be one of the reasons for more consumers opting for electric vehicles, especially cars.

Another reason may be that these vehicles are believed to be environmentally friendly.

Also, there are some financial benefits to buying electric vehicles. One such benefit is that you end up saving significantly on fuel costs.

You may also be offered some incentives for buying these vehicles.

There are primarily four types of electric vehicles available in the market today. These are:

✓  Battery electric vehicles

✓  Hybrid electric vehicles

✓  Plug-in hybrid electric vehicles

✓  Fuel cell electric vehicles

 

 

BUT DO NOT FORGET ELECTRIC CAR INSURANCE

As insurance is available for fuel vehicles, it is also available for electric vehicles. Electric car insurance policies are plans that provide financial cover against damages to your electric car.

Depending on the type of policy you choose, electric car insurance can offer you protection against third-party damages or damages to your car or self.

For example, a third-party liability cover will offer you protection against any damages caused to a third party, in a case where you were involved. On the other hand, are comprehensive policies.

If you want to cover your electric car against the financial costs of damages, it is advisable to buy a comprehensive policy cover.

  • ✅ Comprehensive policies include various add-ons too.
  • ✅ A  personal accident cover  is also available when you buy comprehensive policies.
  • ✅ Such a personal accident cover enables you to seek financial support from your policy in case you were to meet with an unfortunate incident.

 

 

CAPTIVATE YOURSELF WITH THE BENEFITS EV CAR INSURANCE

Is it necessary for you to get an electric car insurance policy?

According to the Motor Vehicles Act of 1988, it is mandatory for you to get a third-party liability for your car. The requirement extends to your electric car as well. However, it is not mandatory to get comprehensive coverage for your vehicle. Nonetheless, it is advisable to get it, especially if you seek financial coverage against the possibility of an unfortunate accident.

To completely grasp the importance of car insurance for an EV, you need to understand how insurance works. Suppose any damage were to befall your car.

Repairs would cost a significant amount and, possibly, burn a hole in your savings. When you have insurance, your savings remain relatively unaffected. The insurance provider, based on your policy details, will provide you coverage for the cost of repairs. Similarly, a third-party policy will protect you against having to pay for any damages to another person’s vehicle.

Hence, while getting a comprehensive policy may not be mandatory, it is in your best interest to buy one.

 

CHOOSE YOUR POLICY RIGHT WITH BAJAJ ALLIANZ GENERAL INSURANCE COMPANY’S EV POLICY

While there is a plethora of insurance alternatives for electric cars, a policy from Bajaj Allianz has the following advantages:

Features

Offerings

Cashless repairs

Across 7200+ network garages

Cashless hospitalisation facility

Across 8600+ hospitals

Quick purchase journey

Takes less than 3 minutes

Claim facility

Cashless claims

Transfer of No Claim Bonus

Available, up to 50%

Customizable add-ons

7+ add-ons including motor protection cover

Claims processing

Digital facility within 20 minutes

Claim settlement ratio

98%*

On-the-spot settlement

Available through the Caringly Yours app

*Standard T&C apply

 

ROUND-THE-CLOCK ASSISTANCE FOR ELECTRIC CAR INSURANCE

Anyone who has an electric car or plans to own one should consider buying a suitable electric car insurance policy. The electric car insurance plan offer financial security for any unexpected loss or damage incurred to and or by the vehicle insured.

You can have access to our specialized road side assistance services exclusive designed for Bajaj customers under EV insurance policy:

 

* In selected Cities 

Terms and conditions apply

CHECK OUT THE BENEFITS OF CHOOSING BAJAJ ALLIANZ’S EV INSURANCE POLICY


With an electric car, you are already taking a step towards saving the environment.

But here are some of the benefits of choosing Bajaj Allianz’s EV insurance policy for your car:

Financial Protection

Financial coverage

A car insurance policy for your new EV will ensure financial security, as the insurer covers the damages to your car.

The electric car insurance rates can be significantly lower than the potential damage costs, thus offering you protection without being heavy on your pockets.

Abiding by the Laws

Enhanced insurance coverage

With an e-car insurance policy from Bajaj Allianz, you can not only choose to insure your car with the mandatory third-party coverage, but also opt for a comprehensive policy.

A comprehensive plan has better coverage, which includes the damages to your car. Further, comprehensive plans can be enhanced using add-ons that help you to fine-tune the insurance coverage.

Peace of Mind

A faster fix for damages

Via an EV policy for your car, damages for the repairs can be fixed swiftly.At a time when the repair costs are steep, you need not worry about the expenses, as your EV policy will have your back.

Once you consider the costs, you may prefer paying the electric car insurance rates over having to pay for any damages.

Peace of Mind

Compliance with the law

As a vehicle-owner, you must be aware of the mandatory requirement to have car insurance as per the Motor Vehicle Act of 1988.

Therefore, when you choose to buy an e-car insurance policy, it keeps you compliant with the law.

Peace of Mind

Mental peace

Lastly, mental peace is what you get when you choose to buy an e-car insurance policy.Repairs for your car are taken care of by your EV insurance plan, and thus, you no longer need to worry about expenses.

KNOW WHAT IS COVERED AND NOT COVERED IN AN ELECTRIC CAR INSURANCE BY BAJAJ ALLIANZ

  • Inclusions

  • Exclusions

Accidents

Accidents and collisions are unpredictable situations that may arise even if you are a safe driver.

Read more

Accidents

Accidents and collisions are unpredictable situations that may arise even if you are a safe driver.

By using EV insurance, you can ensure the damages to your car due to collisions and unfortunate accidents, whether due to your fault or not, are covered by your insurance coverage.

Theft

With the rise in the number of cars, there is also an increase in the thefts concerning them.

Read more

Theft 

With the rise in the number of cars, there is also an increase in the thefts concerning them.

Hence, in the unfortunate event of a theft of your car, whether from your garage or from any other location, an EV policy compensates for it. 

Fire

Fuels used to run cars are highly combustible. Hence, in the event of an accident, the car can catch fire.

Read more

Fire 

Fuels used to run cars are highly combustible. Hence, in the event of an accident, the car can catch fire.

These unfortunate situations of fire are also covered by the EV insurance plan. 

Natural disasters

Events such as hurricanes, cyclones, earthquakes, floods, and more, cause damage to human life.

Read more

Natural disasters

Events such as hurricanes, cyclones, earthquakes, floods, and more, cause damage to human life.

But they can also adversely impact the things you own - including your home and motor vehicles.

An EV policy can cover the damages to your car in the event of such natural disasters, thanks to the inclusions in the policy’s scope. 

Personal accidents

When you select the right e-car insurance policy, injuries that may lead to disability

Read more

Personal accidents

When you select the right e-car insurance policy, injuries that may lead to disability and death of the owner are also insured by the policy.

Losses to third-party

If you happen to injure a third person or cause damage to their property with your car

Read more

Losses to third-party

If you happen to injure a third person or cause damage to their property with your car, the third-party coverage of your insurance for an EV has got you covered.

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The damages due to electrical or mechanical failure

Damages due to routine wear and tear of the components (depreciation)

Driving without holding a valid driving license

Damages due to reckless driving

Driving without holding a valid driving licence

Driving under the influence of alcohol or other intoxicating substances

1 of 1

 

BROWSE DIFFERENT ADD-ONS THAT CAN ENHANCE YOUR EV CAR INSURANCE POLICY’S COVERAGE

Add-ons are additional features that are available with your e-car insurance on an optional basis. These additional features can help you fine-tune the policy coverage to personalise it based on your needs.

Here are some add-ons that you can choose –

  • Zero-depreciation cover

    Zero-depreciation cover : Zero-depreciation add-on, also known as bumper-to-bumper cover, is an add - on that helps cover depreciation, which is a part of the general exclusions for your EV insurance policy.

    Using the zero-depreciation add-on, your claim amount will not deduct the depreciation on the components at the time of its reimbursement.

  • Motor protector cover

    Motor protector cover :  For electric cars, the motor is the most crucial part-the heart of your vehicle.

    However, due to the limitations of a standard policy, these repairs are not a part of the standard e-car insurance coverage.

    Hence, a motor protector cover is what will help you take care of the necessary repairs.

    In addition, any repairs to the motor may burn a hole in your wallet.

    Using the motor protector add-on cover, repairs concerning the motor of your EV are covered by the insurance company.

  •  24X7 Roadside assistance cover

     24X7 Roadside assistance cover : Breakdowns are a part of your vehicle ownership experience. While some may face it with access to a service garage, some don’t.

    If you are travelling, and you happen to encounter a breakdown situation during your journey, the roadside assistance cover  is a handy add-on that helps you get it fixed.

    Whether it is a stalled engine or a flat tire, help is a call or a click away to get you out of the ordeal.

  • Lock and Key replacement cover

    Lock and Key replacement cover : Car keys are a common item that often gets misplaced. From losing it in your own home to forgetting it at a café, the possibilities are endless.

    But when it comes to replacing a key, it is not just the key itself, but the entire locking system of your car.

    Moreover, modern cars have electronic chips embedded within them, making them even more expensive. With a lock and key replacement cover, these replacement costs are covered by your EV insurance policy, saving you substantial repair costs.

  • Consumables add-on cover

    Consumables add-on cover : Buying an EV car and maintaining one are two separate things. While it may be straightforward to buy one, it is equally challenging to keep up with its maintenance - maybe not financially, but in terms of changing spares and components.

    In the process, at times, these replacements, if neglected, can adversely impact the overall performance of your car.

    Hence, timely replacement of necessary fluids and components is essential.

    With a consumables add-on cover, this replacement becomes a worry-free experience, since your electric car policy covers the various expenses.

  • Personal baggage cover

    Personal baggage cover: Items kept in your car, like laptops, mobile phones and other valuable items, are not safe from theft and burglary.

    With a personal baggage cover, the financial loss due to the theft of your personal belongings is covered under this add-on.

  • Conveyance benefit add-on

    Conveyance benefit add-on : Bajaj Allianz’s EV car insurance has another useful add-on where the insurer pays for the time when your car is getting serviced after an accident.

    Thus, you need not worry about taking care of your commute while your car is getting fixed. 

 

FAMILIARISE YOURSELF WITH THE PARAMETERS THAT AFFECTS YOUR EV POLICY’S PREMIUM

An EV car insurance is a no one-size-fits-all product. Thus, you and your friend, despite having the same car, may have different premium amounts.
Many factors impact the premium calculation in tandem.

Here are some parameters that impact the premium of your EV insurance policy –

1. Type of Car :
The model and make of your EV car have a direct correlation to its premium. Insurance companies maintain a separate report of claim ratios of different models from various manufacturers.
Thus, insurers have a statistical approach to deciding the risk for your car. Depending on the risk, the premium is decided by the insurance company.
Further, luxury cars and high-end models have a higher premium compared to mid-range and low-end counterparts.

2.  Insured Declared Value :
Insured Declare Value or IDV is the maximum amount which the insurance company compensates in the event of complete loss or total loss.
Thus, the IDV of your car is the maximum compensation that shall be paid by the insurer.
Since IDV is the maximum amount which the insurer underwrites, it has a direct relation to the electric car policy’s premium.
Thus, the higher the IDV, the higher will be the resulting premium, and vice versa.

3. Geographical Zone :
The location of your EV car’s registration has an impact on the electric car policy’s premium.
This is because India is divided into two zones - Zone A comprising eight metro cities of Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi, and Pune and Zone B comprising the rest of India.
Since there is a higher risk of damage to the vehicles in congested metro regions, the risk underwritten is higher, pushing up the premiums.

4. Add-on Covers :
As discussed above, add-on covers are optional riders that enhance your electric car policy’s coverage. Since they cover those aspects that aren’t included in the standard policy’s scope, they impact the premium.
Depending on how many add-ons you choose, your premium gets impacted.    

5.  No-Claim Bonus : 
No-claim bonus or NCB is a concession offered by the insurance company for not raising any claim during the previous policy period.
As the NCB considers the previous policy period as a basis for the markdown in premium, it is available from the time second-year premiums begin.
With the NCB benefit, you can reduce your overall insurance outflow from 20% to all the way up to 50%, based on consistent claim-free policy renewals.

6. Voluntary Excess :
Every EV insurance policy has a mandatory amount of deductible known as the standard or compulsory deductible.
This deductible amount is required to be paid by the policyholder at the time of every claim.
However, voluntary excess or deductible is the amount required to be paid by you, the policyholder, over and above the standard deductible.
Depending on the amount of voluntary excess a policyholder chooses, a concession is available in calculating the premiums.

7. Security accessories : 
Security features that enhance the safety levels of the car tend to impact the electric car policy premium positively.
Since these features lower the overall risk, they contribute to bringing down the premium.

8. Special Concessions : 
Other than the above reasons, your electric car policy premium may go down due to certain special concessions, which can be in the form of associations to a recognised automobile association, having anti-theft devices fitted to your EV car, and opting for voluntary excess.

REASONS TO GET YOUR EV CAR INSURANCE PLAN FROM BAJAJ ALLIANZ

The Bajaj Allianz’s EV car insurance policy offers the following benefits that you can enjoy:

Financial security
Enhanced insurance coverages and services for your EV
Faster claim settlement
Compliance with the law
Peace of mind
Specialized EV 24x7 assistance
EV helpline
On-site charging

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CONSIDER THESE 3 FACTORS WHEN BUYING AN ELECTRIC CAR INSURANCE POLICY

Buying electric car insurance must be a thoughtful process and hence, the following considerations can help you select a suitable plan.

1. The cost of the vehicle 
The repair costs for any vehicle are proportionate to its price. Hence, when choosing an electric car policy, you must carefully set the IDV, as it ensures adequate compensation for the necessary repair costs.

2. Special features of the electric vehicle 
Compared to a conventional internal combustion engine car, electric cars work differently. Hence, a consideration for the coverage of the special features of your EV car is essential. Battery replacements and repairs are a critical component and hence, you must check for its coverage in your policy.

3. Add-on features offered 
The add-on features offered in your policy increase your policy’s scope significantly. As they impact the overall premium, they must be factored in for coverage, as well as the impact on price. 

SAVE THIS LIST OF DOCUMENTS REQUIRED TO PURCHASE AN ELECTRIC CAR INSURANCE POLICY ONLINE

In this digital era, your electric car policy can also be purchased online, along with traditional offline purchases.
When you choose to take the digital route, these are a few soft copies of documents you need to keep in hand for a seamless buying process –

  • ✓ Registration certificate of your car
  • ✓Valid driver’s licence
  • ✓Personal identification details
  • ✓Tax receipts of your car
  • ✓Bank details

While the documents may differ among insurance companies, vehicle’s identification and registration details along with the policyholder’s identification details are essential. 

 

 

BUY YOUR ELECTRIC CAR INSURANCE POLICY ONLINE

With Bajaj Allianz, you can get your electric car insurance policy in five simple steps:

1.       Visit Bajaj Allianz’s Car Insurance Page.

2.       Specify the details of your car, such as the manufacturer, its model and make, and the registration location.

3.       Select a policy that best fits your requirements.

4.       If you are renewing your policy, mention the details of your existing insurance for your EV along with details of any claims made and the available no-claim bonus.

5.       Once your quote is generated, you can opt for an add-on based on the type of policy you have opted for. At this stage, you can also change your car’s IDV and check the overall impact on the premium.

6.       Finally, make the payment based on the selections in your policy and receive the policy within seconds in your inbox.

SOME OTHER EXISTING SERVICES ARE ALSO AVAILABLE HEREWITH

Time to get a motor insurance: Less than 3 minutes
Tailored add-ons: Enhance protection with list of add ons
No claim bonus transfer: Up to 50%
Claims settlement ratio: 98%
Cashless services: Across 7,200+ network garages
Claims process: Digital - within 20 minutes*
On-The-Spot claim settlement: With 'Caringly Yours' app

Secure your smiles, drive electric and insure the future of transportation today

 

CHECK THE STATUS OF YOUR ELECTRIC CAR INSURANCE POLICY ONLINE

Even if you do not remember your electric car policy details, or have misplaced your policy documents, there is an easy way to check the status of your car insurance for an electric car online.

The online mode of interacting with your policy is efficient and fast.

Here are five steps to know the status of your policy online –

1.       Log on to the official IIB web-portal.

2.       Enter the necessary details into the web portal. These details include name, email ID, mobile number, address, car registration number, etc.

3.       Once you have filled in all the details and verified them, click on the submit button.

4.       The details of the policy associated with your details will appear.

5.       That means your policy is still active.

However, if it is not active, the results will show the details of the previous policy.

6.       If following this method does not get you the required results, you can search again by using the engine and chassis number of your car.

 

RENEW YOUR ELECTRIC CAR INSURANCE POLICY ONLINE


All car insurance policies for electric cars are valid only for a limited duration. Thus, you need to be mindful of its expiry date.

An expired policy leaves you exposed to the perils and the risks of accidents as well as the regulatory compliance.

With an online renewal facility, you can ensure your policy is renewed on time with no break in its coverage.

Here’s how you can renew your electric vehicle policy online –

Step 1:     Visit Bajaj Allianz’s Car Insurance Page and locate the renewal section.

Step 2:     For online renewals, you need to provide your existing policy details, which include the policy number.

This helps the insurer pull up any existing insurance covers for your EV car.

Step 3:     When renewing the policy, you can amend any details to make sure they are up to date.

At this stage, select the type of policy and make the necessary modification to its coverage, such as adding add-on covers.

Step 4:     On finalising the policy details, complete the payment. Since the policy is renewed online, the coverage begins once your payment is successful, and you can receive the policy document in your mailbox.

 

CONSIDER THESE 3 FACTORS WHEN BUYING AN ELECTRIC CAR INSURANCE POLICY

Buying electric car insurance must be a thoughtful process and hence, the following considerations can help you select a suitable plan.

1. The cost of the vehicle 
The repair costs for any vehicle are proportionate to its price. Hence, when choosing an electric car policy, you must carefully set the IDV, as it ensures adequate compensation for the necessary repair costs.

2. Special features of the electric vehicle 
Compared to a conventional internal combustion engine car, electric cars work differently. Hence, a consideration for the coverage of the special features of your EV car is essential. Battery replacements and repairs are a critical component and hence, you must check for its coverage in your policy.

3. Add-on features offered 
The add-on features offered in your policy increase your policy’s scope significantly. As they impact the overall premium, they must be factored in for coverage, as well as the impact on price. 

FILE A CLAIM UNDER YOUR ELECTRIC CAR INSURANCE POLICY WITH EASE

When you buy an electric car insurance policy, it isn’t only for legal compliance, but also to provide financial coverage in times when an unforeseen loss or damages takes place.

When something unfortunate happens, you need to follow the below-mentioned steps –

✓         Inform your insurance company first.

It is the first step is raising a claim for damages.

✓         Click pictures evidencing the damages to your car.

This acts as proof which is required to be submitted to the insurer.

✓         Ensure you keep all necessary documents ready when filing the claim, including the claim form.

✓         Once the inspection by the insurance surveyor to note the extent of damages is complete, your electric car can be fixed.

✓         Finally, the compensation is disbursed by the insurance company.

Depending on the type of compensation, car insurance for electric cars can be divided into cashless plans and reimbursement plans.

Cashless plans are those policies where the insurer directly pays the service garage the cost of the repair after removing the amount of deductible.

Just keep in mind that your electric car must be repaired at one of the network garages. Reimbursement plans are traditional ways of compensation, where the insurance company reimburses the policyholder for the repair costs incurred.

MAKE USE OF AN ELECTRIC CAR INSURANCE PREMIUM CALCULATOR

An EV insurance calculator is a nifty tool provided as an additional facility where you can estimate the premium of your policy based on the selection of the plan, as well as the various add-ons with it.

This facility is generally available on the insurance company’s website for no additional charges.

Setting the right IDV, helping you select appropriate add-ons, and ensuring the premium fits within your budget, are some advantages of using one.

In addition, you can also use an EV insurance premium calculator to compare different plans and choose one based on your requirements.

Customer Reviews & Ratings

Average Rating:

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(Based on 18,050 reviews & ratings)

Siba Prasad Mohanty

The vehicle was used by our Zonal Manager Sir. We appreciate the timely and speedy action initiated by you in getting the vehicle ready for use within short span of time. The action has been appreciated by all. 

Rahul

“A range of options to choose from.”

Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well. With the add-ons and comprehensive plans,...

Meera

“OTS claims was a blessing in disguise.”

I was in the middle of the road when a mishap happened. With cash crunch, I was looking for ways to get my car serviced without affecting my monthly budget...

UNDERSTAND ELECTRIC CAR INSURANCE BETTER WITH THESE FREQUENTLY ASKED QUESTIONS

  Is it necessary to have car insurance for an electric car in India?

If you own a car, electric or otherwise, it is necessary for you to get insurance cover for the same. According to the Motor Vehicles Act of 1988, you are required to get at least a third-party liability cover for your vehicle.

It is ideal to get a comprehensive cover as it can protect you financially if you or your vehicle were to face any damage.

Which type of insurance should you choose for your electric car?

It is best to get the maximum possible coverage for your electric vehicle.

Getting third-party liability coverage is necessary as it is mandated by the Motor Vehicles Act. However, this only provides you financial protection for the damages to a third party.

If you seek broader coverage, opt for a comprehensive plan.

What is the method of calculating the electric car insurance premium?

Several factors come into play when it comes to calculating the car insurance premium for your electric car.

Some of these factors are the make and the model of your car, its age, and the engine capacity.

Is electric vehicle insurance more expensive than insurance for petrol or diesel vehicles?

The price of your car insurance for an electric car may depend on the price of your vehicle. Some electric cars may be priced higher than their petrol and diesel counterparts.

Moreover, parts of electric vehicles also tend to be priced higher. Hence, it is possible the cost of electric vehicle insurance is relatively higher

Does electric car insurance cover theft, fire, or natural disasters?

A third-party liability cover will not cover your vehicle against these possibilities. However, a comprehensive plan may offer you protection against them.

When buying a policy, check for the coverage and inclusions of the plan. This will help you understand what you are protected against.

What add-ons should one take?

There are several add-on options available if you are opting for comprehensive electric car insurance.

Some of these are zero depreciation cover, own damage cover, and personal accident cover. Each of these will help you stay protected in different ways.

Choose a cover based on your needs and what is feasible for you.

Is it mandatory to get a comprehensive car insurance plan for electric vehicles?

Motor vehicle regulations do not require you to take comprehensive car insurance for electric cars. Only a third-party liability cover is mandatory.

However, getting a comprehensive cover can get you additional coverage against various possibilities.

How to save on electric car insurance?

You are required to renew your insurance before it reaches expiry. You may be able to get better electric car insurance rates then if you haven’t claimed your insurance previously.

This may earn you a ‘no-claim bonus’.

Is towing covered by electric car insurance?

If you have a comprehensive cover that provides roadside assistance, towing your car to the nearest service centre will be covered by your insurance.

However, it is also subject to the inclusions of your insurance policy.

What is commonly covered under EV insurance?

When you buy comprehensive EV insurance for cars, it may cover you against the following:

-          Accidents

-          Natural disasters

-          Fire

-          Theft

Third-party coverage is a part of comprehensive EV insurance for cars and is also available as a standalone, which can cover you against damage to third parties.

Are batteries covered under EV insurance?

Comprehensive car insurance policies for electric vehicles may cover the cost of battery replacement if you opt for a battery replacement cover.

Opting for additional cover may slightly affect your electric car insurance rates.

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Executive will call you back shortly to assist you through the Process.

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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