{"uin":"IRDAN058RP0007V01201516","name":"Two Wheeler Long Term Package Policy","url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a long-term two-wheeler comprehensive package policy available for 2 years or 3 years. It covers own damage perils, third-party liability and personal accident cover for owner-driver, with IDV as the sum insured and a compulsory excess of INR 100/-.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:35:28.63176+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Two years","Three years"],"display":"Two years; Three years","note":null,"quote":"Policy duration Policy may be issued for\n1. Two years\n2. Three years\nNote: Short period policy cannot be issued.","sources":[{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-a-4"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be issued for 2 years or 3 years. Short period policy cannot be issued.","display":"2 years or 3 years; short period policy cannot be issued","note":null,"quote":"Long Term Two Wheeler Package Policy is a comprehensive package policy, which can be issued for 2 years or 3 years. ... Policy duration Policy may be issued for\n1. Two years\n2. Three years\nNote: Short period policy cannot be issued.","sources":[{"clause":null,"heading":"Prospectus","page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-prospectus"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-a-4"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the Company immediately upon the occurrence of any accident, loss or damage and in the event of any claim. Theft or other criminal act must also be notified immediately to the police.","display":"Immediately in writing to the Company; immediate notice to police for theft or other criminal act","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental or loss or damage and in the event of any claim ... In case of theft or other criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police","sources":[{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-1-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["detailed estimate of the cost of repairs","Every letter claim writ summons and/or process or copy thereof","genuine invoice"],"display":"Detailed repair estimate; every letter, claim, writ, summons and/or process or copy; genuine invoice","note":null,"quote":"b) the Company is furnished forthwith a detailed estimate of the cost of repairs ... Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured. ... In case of reimbursement basis, the amount for repair is to be paid by the insured to the garage first and then NICL shall reimburse the\ninsured of the claim amount upon production of a genuine invoice.","sources":[{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-b-2"},{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-1-2"},{"clause":null,"heading":"Criteria for Constructive Total Loss","page":4,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-criteria-for-constructive-total-loss-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Surveyor appointment is within 24 hours, survey report to the insurer is within 15 days of appointment, and claim decision is 7 days from receipt of survey report or after expiry of fifteen days from allocation of the claim to the surveyor, whichever is earlier.","display":"Surveyor appointment within 24 hours; survey report within 15 days; claim decision 7 days from receipt of survey report or after 15 days from surveyor allocation, whichever is earlier","note":null,"quote":"Turn Around Time (TAT) Surveyor Appointment – Within 24 hours Survey report to the insurer - Within 15 days of appointment Claim Decision – 7 days from receipt of Survey report or after expiry of fifteen days from allocation of the claim to the surveyor whichever is earlier.","sources":[{"clause":null,"heading":"Criteria for Constructive Total Loss","page":4,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-criteria-for-constructive-total-loss-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["consequential loss, depreciation , wear and tear, mechanical or electrical breakdown failures or breakages","damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","under the influence of intoxicating liquor or drugs","outside the Geographical Area","contractual liability","being used otherwise than in accordance with the Limitations as to Use","person other than a Driver as stated in the Driver's clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Consequential loss, wear and tear, mechanical/electrical breakdown, tyre/tube damage unless vehicle damaged, accessory theft unless vehicle stolen, intoxication, outside geographical area, contractual liability, use/driver violations, radiation, nuclear weapons material and war risks","note":null,"quote":"a) consequential loss, depreciation , wear and tear, mechanical or electrical breakdown failures or breakages ; ... b) damage to Tyres and Tubes unless the vehicle insured is damaged at the same time ... c) loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time ; ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... 1. any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.\n2. any claim arising out of any contractual liability. ... a) being used otherwise than in accordance with the Limitations as to Use or ... person other than a Driver as stated in the Driver's clause ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-c"},{"clause":"5(d)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-d"},{"clause":"IV","heading":"GENERAL EXCEPTIONS","page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-iv"},{"clause":"IV(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-iv-a"},{"clause":"IV(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-iv-b"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The insured person may first submit the grievance in writing to the Policy Issuing Office or Grievance cell at the Regional Office. If it remains unaddressed, the insured may contact the Customer Relationship Management Department, Bima Bharosa or the Insurance Ombudsman.","display":"First write to the Policy Issuing Office or Grievance cell at Regional Office; if unaddressed, contact Customer Relationship Management Dept., Bima Bharosa or Insurance Ombudsman","note":null,"quote":"In case of any grievance related to the Policy, the insured person may submit in writing to the Policy Issuing Office or Grievance cell at Regional Office of the Company for redressal. If the grievance remains unaddressed, the insured person may contact:\nCustomer Relationship Management Dept.","sources":[{"clause":null,"heading":"VII. Redressal of Grievance","page":6,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-vii-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland- waterway lift elevator or air","landslide rockslide"],"display":"Fire, explosion, self-ignition or lightning; burglary, housebreaking or theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide or rockslide","note":null,"quote":"i. by fire explosion self ignition or lightning;\nii. by burglary housebreaking or theft;\niii. by riot and strike;\niv. by earthquake (fire and shock damage);\nv. by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi. by accidental external means;\nvii. by malicious act;\nviii. by terrorist activity;\nix. whilst in transit by road rail inland- waterway lift elevator or air;\nx. by landslide rockslide.","sources":[{"clause":null,"heading":"II. Coverage","page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-ii-coverage"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"For the own damage portion, the retail policyholder may cancel at any time during the term by giving minimum 7 days' notice in writing. The company refunds premium for the unexpired policy period for policy years whose risk coverage has not commenced, subject to the stated minimum premium retention; the third-party portion can be cancelled only on double insurance or vehicle not in use due to total loss or constructive total loss.","display":"Own damage: cancel with minimum 7 days' written notice; refund of unexpired policy period where risk has not commenced, subject to minimum premium retention. Third party: only on double insurance or total/constructive total loss vehicle not in use","note":"Own-damage refund is subject to retention of minimum premium of Rs.200 for two year policy/Rs. 300/- for three year policy, with lower retained amounts for specified modified vehicles.","quote":"Cancellation of Third Party Liability portion (i.e., Section II) - The Motor Third Party Portion (i.e., Section II) of the Package Policy can be cancelled by the Insurer or the Insured on the following grounds only: ... a) Double Insurance ... Vehicle not in use anymore because of Total Loss or Constructive Total Loss In such a case, premium for the full unexpired years will be refunded.\nCancellation of Own Damage portion (i.e., Section I) ... The retail policyholder may cancel the policy at any time during the term, by giving minimum 7 days’ notice in writing. The Company shall refund premium for the unexpired policy period, in respect of policy with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-2"},{"clause":"5(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-a-5"},{"clause":"5(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-b-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The documents exclude loss outside the Geographical Area but do not define the geographical area.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["comprehensive package policy"],"display":"Comprehensive package policy","note":"The package includes Section I loss of or damage to the vehicle insured, Section II liability to third parties and Section III personal accident cover for owner-driver.","quote":"Long Term Two Wheeler Package Policy is a comprehensive package policy","sources":[{"clause":null,"heading":"Prospectus","page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-prospectus"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability from an accident arising out of use of the insured vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to third-party property. This is subject to the limits of liability laid down in the Schedule and Motor Vehicles Act provisions.","display":"Covers legal liability for death or bodily injury to any person and damage to property other than the insured's property, subject to schedule limits","note":null,"quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the insured vehicle against all sums which the insured shall become legally liable to pay in respect of ... i) death of or bodily injury to any person including occupants carried in the insured vehicle ... ii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-c-2"},{"clause":"5(c)(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-c-i"},{"clause":"5(c)(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-c-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value of the vehicle is deemed to be the sum insured and fixed at the commencement of each policy period. For total loss or constructive total loss, the company's liability does not exceed the IDV including accessories as specified in the Schedule, less the value of the wreck.","display":"IDV is the sum insured, fixed at commencement of each policy period; total loss/CTL liability is IDV less wreck value","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the “SUM INSURED” for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. ... for total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck.","sources":[{"clause":"5(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-c-4"},{"clause":"3","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-3-2"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres, tubes and batteries; 30% for fibre glass components; nil for glass; and for other parts including wooden parts it ranges from nil up to 50% by vehicle age. For painting, 50% depreciation applies only on the material cost of total painting charges.","display":"Parts depreciation: 50% rubber/nylon/plastic/tyres/tubes/batteries; 30% fibre glass; nil glass; other parts nil to 50% by age; painting 50% on material cost","note":null,"quote":"For all rubber/ nylon/ plastic parts, tyres, tubes and batteries - 50% ... For fibre glass components 30% ... For all parts made of glass Nil ... Rate of depreciation for all other parts including wooden parts will be as per the following schedule: ... Not exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 year but not exceeding 10 years | 40%\nExceeding 10 years | 50% ... Rate of Depreciation for Painting: In the case of Painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"1","heading":"For all rubber/ nylon/ plastic parts, tyres, tubes and batteries - 50%","page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-1"},{"clause":"2","heading":"For fibre glass components 30%","page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-2"},{"clause":"3","heading":"For all parts made of glass Nil","page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-4"},{"clause":null,"heading":"AGE OF VEHICLE % OF DEPRECIATION","page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-age-of-vehicle-of-depreciation"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"For an old vehicle without any claim in the preceding year, the first-year premium discount is the NCB percentage applicable on renewal of an annual policy. The product also states loyalty discounts on OD premium after fixed discount for the next block: 25% for no claim in a two-year block and 35% for no claim in a three-year block.","display":"No-claim old vehicle: discount on first year premium for annual-policy NCB percentage; loyalty discount 25% for no claim in two-year block, 35% for no claim in three-year block","note":"The documents do not print the annual policy NCB percentage scale.","quote":"Old vehicle without any claim in the preceding year of insurance (No Claim) | Discount on first year premium for the NCB percentage applicable on renewal of annual policy | Discount on first year premium for the NCB percentage applicable on renewal of annual policy ... If no claim is made during the two year block, then a discount of 25% will apply on the OD Premium after fixed discount for the next block of two years. ... If no claim is made during the three year block, then a discount of 35%will apply on the OD Premium after fixed discount for the next block of three years.","sources":[{"clause":"5(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-d-2"},{"clause":"5(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-e"},{"clause":null,"heading":"2. Three Year Policy","page":4,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-2-three-year-policy"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"The policy is subject to a compulsory excess of INR 100/-.","display":"INR 100/-","note":null,"quote":"Compulsory Excess The policy is subject to a compulsory excess of INR 100/-.","sources":[{"clause":"5(g)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-g"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"The insured may opt for a higher voluntary deductible over and above the compulsory deductible. Available slabs are Rs. 500, Rs. 750, Rs. 1000, Rs. 1500 and Rs. 3000, with OD premium discounts as stated in the table.","display":"Optional voluntary deductible of Rs. 500, Rs. 750, Rs. 1000, Rs. 1500 or Rs. 3000 over the compulsory deductible","note":null,"quote":"Voluntary Deductibles Insured may opt for higher deductible over and above the compulsory deductible (GR- 40) in which case suitable discount will be allowed as per the following table:-\nVoluntary Deductible | Discount\nRs. 500 | 5% on the OD premium of the two wheeler, subject to a maximum of Rs. 100 for 2 years and Rs 150 for 3 years\nRs. 750 | 10% on the OD premium of the two wheeler, subject to a maximum of Rs. 150 for 2 years and Rs225 for 3 years\nRs. 1000 | 15% on the OD premium of the two wheeler, subject to a maximum of Rs. 250 for 2 years and Rs375 for 3 years\nRs. 1500 | 20% on the OD premium of the two wheeler, subject to a maximum of Rs. 400 for 2 years and Rs600 for 3 years\nRs. 3000 | 25% on the OD premium of the two wheeler, subject to a maximum of Rs. 500 for 2 years and Rs750 for 3 years","sources":[{"clause":"5(f)(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-f-i"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The owner-driver personal accident cover pays compensation for bodily injury or death in direct connection with the insured vehicle, as per the stated scale, with total liability not exceeding Rs. 1 lakh during any one year of the period of insurance. The owner-driver must be the registered owner, the insured named in the policy and hold an effective driving licence at the time of the accident.","display":"Owner-driver PA cover up to Rs. 1 lakh during any one year; death 100%, specified severe injuries 100%, loss of one limb or sight of one eye 50%","note":null,"quote":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER\nSubject otherwise to the terms exceptions conditions and limitations of this Policy, the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver ... (i) Death | 100%\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100%\n(iii) Loss of one limb or sight of one eye | 50%\n(iv) Permanent total disablement from injuries other than named above. | 100% ... total liability of the insurer shall not in the aggregate exceed the sum of Rs. 1 lakh during any one year of period of insurance. ... a) the owner-driver is the registered owner of the vehicle insured herein; ... b) the owner-driver is the insured named in this policy. ... c) the owner-driver holds an effective driving license","sources":[{"clause":"5(c)(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-c-ii"},{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-a-3"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-b-3"},{"clause":"5(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-c-3"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Invoice Protect","Engine Protect","Nil Depreciation","Nil Depreciation Plus","Road Side Assistance","EMI Protect","Daily Allowance"],"display":"Invoice Protect; Engine Protect; Nil Depreciation; Nil Depreciation Plus; Road Side Assistance; EMI Protect; Daily Allowance","note":"Add-on benefit/coverage is available only if opted by the insured and mentioned in the Schedule.","quote":"1 | Invoice Protect | Pays the difference between the Current Invoice Price (Price of vehicle at the time of policy inception) of the Insured Vehicle and IDV ... 2 | Engine Protect | Extend the Policy to cover repair of Engine /allied assemblies arising out of water ingression due to flood or failure due to leakage of lubricating oil ... 3 | Nil Depreciation | Pays the amount of depreciation deducted on the value of the parts replaced in the event of a partial loss claim ... 4 | Nil Depreciation Plus | Pays the amount of depreciation deducted on the value of the parts replaced in the event of a partial loss claim, without payment of any additional excess. ... 5 | Road Side Assistance | Shall arrange to provide services such as Towing, Battery Jumpstart, Fuel re-filling, Spot repair etc. through third party service provider ... 6 | EMI Protect | Indemnify the Insured up to two Equated Monthly Instalments ... 7 | Daily Allowance | Pays a fixed daily allowance to the insured in case the repair claim for accidental loss or damage is admitted","sources":[{"clause":"Row 1","heading":"Invoice Protect","page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-row-1-2"},{"clause":"Row 2","heading":"Engine Protect","page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-row-2-2"},{"clause":"Row 3","heading":"Nil Depreciation","page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-row-3-2"},{"clause":"Row 4","heading":"Nil Depreciation Plus","page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-row-4-2"},{"clause":"Row 5","heading":"Road Side Assistance","page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-row-5-2"},{"clause":"Row 6","heading":"EMI Protect","page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-row-6"},{"clause":"Row 7","heading":"Daily Allowance","page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-row-7"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless service is available at cashless garages having tie-ups with the insurer. In cashless claims, payment is made directly to the garage by NICL.","display":"Yes, at cashless garages having tie-ups with NICL; payment directly to the garage","note":null,"quote":"For both cashless and reimbursement claims, the insured needs to contact the concerned claims hub and provide documents as and when required by NICL. Insured shall readily get cashless if he/she approaches the cashless garages having tie ups with us (list of such garages are available on our website). ... In case of cashless claims, the payment will be made directly to the garage by NICL. Link of Cashless garage: https://nationalinsurance.nic.co.in/infodesk/our-networks/cashless-garages","sources":[{"clause":null,"heading":"Criteria for Constructive Total Loss","page":4,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008#c-criteria-for-constructive-total-loss-2"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["outside the Geographical Area","being used otherwise than in accordance with the Limitations as to Use","person other than a Driver as stated in the Driver's clause","under the influence of intoxicating liquor or drugs","consequential loss, depreciation , wear and tear, mechanical or electrical breakdown failures or breakages","damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","contractual liability","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Outside geographical area; limitation-as-to-use or driver-clause breach; intoxication; consequential loss, wear and tear or breakdown; tyre/tube damage unless vehicle damaged; accessory theft unless vehicle stolen; contractual liability; radiation, nuclear and war risks","note":null,"quote":"1. any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.\n2. any claim arising out of any contractual liability.\n3. any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is: ... a) being used otherwise than in accordance with the Limitations as to Use or ... person other than a Driver as stated in the Driver's clause ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... a) consequential loss, depreciation , wear and tear, mechanical or electrical breakdown failures or breakages ; ... b) damage to Tyres and Tubes unless the vehicle insured is damaged at the same time ... c) loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time ; ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"IV","heading":"GENERAL EXCEPTIONS","page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-iv"},{"clause":"IV(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-iv-a"},{"clause":"IV(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-iv-b"},{"clause":"5(d)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-d"},{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-c"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is IDV. The IDV is fixed using the manufacturer's listed selling price of the brand and model at the commencement of insurance or renewal, adjusted for depreciation.","display":"IDV based on manufacturer's listed selling price, adjusted for depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the “SUM INSURED” for the purpose of this policy ... The IDV of the vehicle (and side car/accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and adjusted for depreciation","sources":[{"clause":"5(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928#c-5-c-4"}],"law":[]}],"documents":[{"kind":"prospectus","label":"LT Package Policy-MCY-Prospectus","pages":6,"fetched_at":"2026-10-17 19:54:50+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Long%20term%20TW%20Policy_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12928"},{"kind":"prospectus","label":"Long Term Package-TW- Prospectus","pages":6,"fetched_at":"2026-10-17 19:54:58+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Long%20Term%20Package-TW-%20Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/12934"},{"kind":"cis","label":"LT Package Policy-MCY-CIS","pages":5,"fetched_at":"2026-10-17 19:57:07+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/CIS%20for%20Long%20Term%20Two%20wheeler%20Package%20Policy%202024%20%28For%202_3%20Years%29%20_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516/document/13008"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"National Insurance official website","url":"https://nationalinsurance.nic.co.in","note":"Website as listed by IRDAI. Not checked: the site could not be reached from our crawler on 2026-10-19 (connection or TLS error)."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Two Wheeler Long Term Package Policy (UIN IRDAN058RP0007V01201516), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/two-wheeler-long-term-package-policy-irdan058rp0007v01201516"}