{"uin":"IRDAN058RPMT0006V01202425","name":"Long Term Private Car Package Policy for New Vehicles","url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a comprehensive motor package policy for new private cars issued for Three years. It covers own-damage perils, third-party liability and compulsory owner-driver personal accident cover of Rs. 15 lakh, with IDV as the sum insured.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:35:10.590342+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":"not-stated","value":null,"display":null,"note":"The documents describe one product but do not name separate plan variants.","quote":null,"sources":[],"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":"Policy will be issued for Three years. Short period policy cannot be issued.","display":"Three years; short period policy cannot be issued","note":null,"quote":"Policy will be issued for Three years\nNote: Short period policy cannot be issued.","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#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":"Written notice must be given immediately upon accidental loss or damage and in the event of any claim. Letters, claim papers and legal process must be forwarded immediately, and theft or other criminal acts must be immediately notified to the police.","display":"Immediately in writing; theft or criminal act must also be reported immediately to the police","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage and in the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require. ... 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 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 and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-conditions"}],"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":["Every letter, claim, writ, summons and/or process or copy thereof","a detailed estimate of the cost of repairs","repair invoice should be in the name of National Insurance Company Limited"],"display":"Letters/claim/legal process copies, detailed repair estimate, and repair invoice in the name of National Insurance Company Limited","note":"The policy also says the insured must give all information and assistance required by the Company.","quote":"Every letter, claim, writ, summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured. ... the Company is furnished forthwith a detailed estimate of the cost of repairs ... In both cases, the repair invoice should be in the name of National Insurance Company Limited.","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-conditions"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-5"},{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12965#c-customer-information-sheet-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, the survey report is to reach the insurer within 15 days of appointment, and claim decision is 7 days from receipt of the survey report or after expiry of fifteen days from allocation to the surveyor, whichever is earlier.","display":"Surveyor appointment within 24 hours; survey report within 15 days; claim decision within 7 days from receipt of survey report or after fifteen days from surveyor allocation, whichever is earlier","note":"This turnaround time is stated in the Customer Information Sheet.","quote":"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":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12965#c-customer-information-sheet-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","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","Being driven by or is for the purpose of being driven by him/her in the charge of any 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, depreciation, wear and tear, breakdown, tyre/tube damage unless vehicle is also damaged, drunk/drug driving, outside geographical area, contractual liability, use/driver violations, nuclear/radioactivity and war risks","note":null,"quote":"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 in which case the liability of the company shall be limited to 50% of the cost of replacement. ... under the influence of intoxicating liquor or drugs. ... Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability. ... Being used otherwise than in accordance with the Limitations as to Use ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause. ... ionising radiations or contamination by radioactivity ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to or by or arising from nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-general-exceptions"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-5-3"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-6"}],"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":"Submit the grievance in writing to the Policy Issuing Office or the Grievance cell at the Regional Office first. If unaddressed, contact the Customer Relationship Management Department of National Insurance Company Limited before approaching Bima Bharosa or the Insurance Ombudsman.","display":"First write to the Policy Issuing Office or Regional Office Grievance cell; if unaddressed, contact the Customer Relationship Management Dept.","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., National Insurance Company Limited, Premises No. 18-0374, Plot no. CBD-81, New Town, Kolkata - 700156, email: customer.relations@nic.co.in, griho@nic.co.in","sources":[{"clause":null,"heading":"Redressal of Grievance","page":4,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-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","death of or bodily injury to any person","damage to property other than property belonging to the insured","bodily injury/ death sustained by the owner-driver"],"display":"Own damage perils, third-party death/bodily injury and property damage, and owner-driver personal accident","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst thereon\ni) 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. ... death of or bodily injury to any person including occupants carried in the insured vehicle ... damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... bodily injury/ death sustained by the owner-driver of the vehicle","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-section-i"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-1-ii"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-section-iii"}],"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":"The third-party liability portion can be cancelled only for double insurance or if the vehicle is not in use because of total loss or constructive total loss, with premium for full unexpired years refunded. The own-damage portion may be cancelled by the policyholder with minimum 7 days’ written notice; premium for the unexpired policy period is refunded for policy years where risk coverage has not commenced, subject to minimum premium retention.","display":"TP cancellation only for double insurance or TL/CTL, refunding full unexpired years; OD cancellation by you with minimum 7 days’ notice, refunding unexpired policy period subject to minimum premium retention","note":"On transfer of ownership, the Own Damage section can be cancelled and unexpired premium refunded; the Third Party Liability section is not cancelled unless another third-party policy is evidenced.","quote":"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 ... b) 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. ... 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. Return of the premium by the company will be subject to retention of the minimum premium of Rs. 300/- (or Rs.75/- in respect of vehicles specifically designed/modified for use by blind/handicapped/mentally challenged persons).","sources":[{"clause":"6(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-6-b"},{"clause":"6(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-6-a-2"},{"clause":"6(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-6-b-2"}],"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 losses outside the Geographical Area but do not list the covered 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 motor package policy"],"display":"Comprehensive motor package policy","note":"The product structure includes Section I own damage, Section II third-party liability and Section III personal accident cover for owner-driver.","quote":"Long Term Private Car Package Policy for New Vehicles is a comprehensive motor package policy, which can be issued to new Private Car for 3 years.","sources":[{"clause":null,"heading":"I. Introduction","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-i-introduction"}],"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 arising from use of the insured vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and for damage to property other than property belonging to, held in trust by, or in the custody or control of the insured. Limits are as laid down in the Schedule.","display":"Covers legal liability for death/bodily injury to others and damage to others’ property, subject to schedule limits","note":"The documents provided do not print an unlimited limit for death or bodily injury.","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 ... death of or bodily injury to any person including occupants carried in the insured vehicle (provided such occupants are not carried for hire or reward) ... 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":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-1-2"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-1-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 (IDV) is deemed to be the sum insured. It is fixed at the commencement of each policy period for each year of coverage based on the manufacturer’s listed selling price of the brand and model, adjusted for depreciation; for TL/CTL it is treated as market value for that year without further depreciation.","display":"IDV is the sum insured, fixed each policy period from manufacturer’s listed selling price adjusted for depreciation; treated as market value for TL/CTL","note":"The vehicle is treated as CTL where retrieval and/or repair cost without taxes exceeds 75% of IDV; 70% to 75% is described as a borderline case where the insured may opt for CTL basis settlement.","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 each year of coverage. The IDV of the vehicle (and side car/accessories, if any, fitted to the vehicle) for each year 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 (as per schedule below). ... IDV for each year of insurance, as mentioned in the schedule, shall be treated as the “Market Value” for that particular year during the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"Schedule of Depreciation","page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-schedule-of-depreciation"}],"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, rubber/nylon/plastic parts, tyres, tubes and batteries are depreciated 50%; fibre glass components 30%; glass parts Nil. Other parts including wooden parts are Nil up to 6 months, 5% after 6 months up to 1 year, 10% after 1 year up to 2 years, and 15% after 2 years up to 3 years; painting has 50% depreciation on material cost only, with material treated as 25% of total painting charges if the bill is consolidated.","display":"Parts depreciation: rubber/nylon/plastic/tyres/tubes/batteries 50%; fibre glass 30%; glass Nil; other parts Nil to 15% by vehicle 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 ... 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% ... 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. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"1","heading":"For all rubber/ nylon/ plastic parts, tyres, tubes and batteries - 50%","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-1"},{"clause":"2","heading":"For fibre glass components 30%","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-2"},{"clause":"3","heading":"For all parts made of glass Nil","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-3"},{"clause":null,"heading":"AGE OF VEHICLE % OF DEPRECIATION","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-age-of-vehicle-of-depreciation"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#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 a new vehicle the No Claim Bonus is 0%. If NCB is transferred from a previous insurance policy, the discount on first-year OD premium is as per eligibility in the NCB certificate; on renewal, NCB is 20% for no claim during the third year, 25% for no claim during the second and third year, and 35% for no claim during the entire policy period.","display":"New vehicle 0%; transferred NCB may apply to 1st-year OD premium; renewal NCB 20%, 25% or 35% depending on claim-free years","note":null,"quote":"No Claim Bonus | 3 year policy\nNew vehicle | 0%\nNew Vehicle with NCB transferred from Previous Insurance Policy, if any | Discount percentage on 1st year OD Premium as per eligibility in NCB Certificate given by previous Insurer ... Claims Status | NCB\nNo claim made or pending during the third year of the policy | 20%\nNo claim made or pending during the second and third year of the policy | 25%\nNo claim made or pending during the entire policy period | 35%","sources":[{"clause":null,"heading":"1. No Claim Bonus (NCB)","page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-1-no-claim-bonus-ncb"},{"clause":"5(d)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-5-d-2"}],"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 compulsory excess is INR 1000 for private cars not exceeding 1500 cc/65 KW and INR 2000 for private cars exceeding 1500 cc/65 KW.","display":"INR 1000 for Private Car not exceeding 1500 cc/65 KW; INR 2000 for exceeding 1500 cc/65 KW","note":null,"quote":"The policy is subject to a compulsory excess of INR 1000/- for Private Car not exceeding 1500 cc/ 65 KW and INR 2000/- for Private Car exceeding 1500 cc/ 65 KW.","sources":[{"clause":null,"heading":"X. Compulsory Deductible","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-x-compulsory-deductible"}],"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 voluntary deductible over and above the compulsory deductible. Options shown are Rs. 2500, Rs. 5000, Rs. 7500 and Rs. 15000, with OD premium discounts.","display":"Optional: Rs. 2500, Rs. 5000, Rs. 7500 or Rs. 15000 over the compulsory deductible","note":"Voluntary deductible applies only if opted.","quote":"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. 2500 | 20% on the OD premium for each year of the policy period, subject to a maximum of Rs 750\nRs. 5000 | 25% on the OD premium for each year of the policy period, subject to a maximum of Rs 1500\nRs. 7500 | 30% on the OD premium for each year of the policy period, subject to a maximum of Rs 2000\nRs. 15000 | 35% on the OD premium for each year of the policy period, subject to a maximum of Rs 2500","sources":[{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-5-a-5"}],"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":"Owner-driver personal accident cover pays for accidental death or bodily injury connected with the insured vehicle, with compensation of 100% for death, loss of two limbs/sight of two eyes/one limb and one eye, or permanent total disablement, and 50% for loss of one limb or sight of one eye. The aggregate liability is Rs. 15 lakh during any one year of the period of insurance, subject to the owner-driver being the registered owner, named insured and holding an effective driving licence.","display":"Compulsory owner-driver PA cover up to Rs. 15 lakh per year; 100% for death/PTD or specified severe losses and 50% for one limb/one eye","note":null,"quote":"Nature of injury | Scale of compensation\n(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%\nProvided always that A) the compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakh during any one year of the period of insurance ... the owner-driver is the registered owner of the vehicle insured herein;\nb) the owner-driver is the insured named in this policy.\nc) the owner-driver holds an effective driving license","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-section-iii"},{"clause":"2","heading":"This cover is subject to","page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-2-3"}],"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":["Nil Depreciation Add-on","Nil Depreciation Plus Add-on","Engine Protect Add-on","Invoice Protect Add-on","Loss of Driving Licence and Vehicular Documents Add-on","EMI Protect Add-on","Daily Allowance Add-on","No Claim Bonus Protect Add-on","Loss of Belonging Add-on","Consumable Protect Add-on","National Fuel Flip Flop Add-on","Pick & Drop Facility Add-on","National Electric Vehicle Protect Add-on (for HEV)","National Electric Vehicle Protect Plus Add-on (for BEV & PHEV)","Road Side Assistance (RSA) Add-on","Lock and Key Protect Add-on","National Invoice Protect Add-on"],"display":"Nil Depreciation, Nil Depreciation Plus, Engine Protect, Invoice Protect, Loss of DL and Vehicular Documents, EMI Protect, Daily Allowance, NCB Protect, Loss of Belonging, Consumable Protect, Fuel Flip Flop, Pick & Drop, EV Protect, EV Protect Plus, RSA, Lock and Key Protect, National Invoice Protect","note":"Add-ons are optional and available only if opted with the policy.","quote":"Following add-on may be opted along with the policy. ... Nil Depreciation Add-on, UIN: IRDAN058RPMT0006V01202425/A0007V01202425 ... Nil Depreciation Plus Add-on, UIN: IRDAN058RPMT0006V01202425/A0008V01202425 ... Engine Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0009V01202425 ... Invoice Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0010V01202425 ... Loss of Driving Licence and Vehicular Documents Add-on, UIN: IRDAN058RPMT0006V01202425/A0011V01202425 ... EMI Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0012V01202425 ... Daily Allowance Add-on, UIN: IRDAN058RPMT0006V01202425/A0013V01202425 ... No Claim Bonus Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0014V01202425 ... Loss of Belonging Add-on, UIN: IRDAN058RPMT0006V01202425/A0015V01202425 ... Consumable Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0016V01202425 ... National Fuel Flip Flop Add-on, UIN: IRDAN058RPMT0006V01202425/A0018V01202425 ... Pick & Drop Facility Add-on, UIN: IRDAN058RPMT0006V01202425/A0019V01202425 ... National Electric Vehicle Protect Add-on (for HEV), UIN: IRDAN058RPMT0006V01202425/A0082V01202425 ... National Electric Vehicle Protect Plus Add-on (for BEV & PHEV), UIN ... Road Side Assistance (RSA) Add-on, UIN: IRDAN058RPMT0006V01202425/A0092V01202526 ... Lock and Key Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0097V01202526 ... National Invoice Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0098V01202526","sources":[{"clause":null,"heading":"XI. Add-ons","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-xi-add-ons"},{"clause":"1","heading":"Nil Depreciation Add-on, UIN: IRDAN058RPMT0006V01202425/A0007V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-1-5"},{"clause":"2","heading":"Nil Depreciation Plus Add-on, UIN: IRDAN058RPMT0006V01202425/A0008V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-2-5"},{"clause":"3","heading":"Engine Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0009V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-3-5"},{"clause":"4","heading":"Invoice Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0010V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-4-3"},{"clause":"5","heading":"Loss of Driving Licence and Vehicular Documents Add-on, UIN","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-5-4"},{"clause":"6","heading":"EMI Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0012V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-6-3"},{"clause":"7","heading":"Daily Allowance Add-on, UIN: IRDAN058RPMT0006V01202425/A0013V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-7-2"},{"clause":"8","heading":"No Claim Bonus Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0014V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-8-2"},{"clause":"9","heading":"Loss of Belonging Add-on, UIN: IRDAN058RPMT0006V01202425/A0015V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-9-2"},{"clause":"10","heading":"Consumable Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0016V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-10"},{"clause":"11","heading":"National Fuel Flip Flop Add-on, UIN: IRDAN058RPMT0006V01202425/A0018V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-11"},{"clause":"12","heading":"Pick & Drop Facility Add-on, UIN: IRDAN058RPMT0006V01202425/A0019V01202425","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-12"},{"clause":"13","heading":"National Electric Vehicle Protect Add-on (for HEV), UIN","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-13"},{"clause":"14","heading":"National Electric Vehicle Protect Plus Add-on (for BEV & PHEV), UIN","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-14"},{"clause":"15","heading":"Road Side Assistance (RSA) Add-on, UIN: IRDAN058RPMT0006V01202425/A0092V01202526","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-15"},{"clause":"16","heading":"Lock and Key Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0097V01202526","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-16"},{"clause":"17","heading":"National Invoice Protect Add-on, UIN: IRDAN058RPMT0006V01202425/A0098V01202526","page":6,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898#c-17"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Repairs can be cashless at garages having tie-ups with NICL. The insured must contact the concerned claims hub; for cashless claims NICL pays the garage directly, and the cashless garage list is available on the insurer’s website.","display":"Yes, at cashless garages having tie-ups with NICL","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":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12965#c-customer-information-sheet-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":["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","under the influence of intoxicating liquor or drugs","outside the Geographical Area","Being used otherwise than in accordance with the Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause","contractual liability","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/breakdown, consequential loss, tyre/tube-only damage, drunk/drug driving, outside geographical area, use outside limitations, driver-clause breach, contractual liability, nuclear/radioactivity and war risks","note":null,"quote":"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 ... under the influence of intoxicating liquor or drugs. ... Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability. ... Being used otherwise than in accordance with the Limitations as to Use ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause. ... ionising radiations or contamination by radioactivity ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to or by or arising from nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-general-exceptions"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-5-3"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-6"}],"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 cover amount is on IDV basis. The Insured’s Declared Value of the vehicle is deemed to be the sum insured, fixed at the commencement of each policy period for each year of coverage based on the manufacturer’s listed selling price adjusted for depreciation.","display":"IDV basis, fixed from 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 which is fixed at the commencement of each policy period for the insured vehicle for each year of coverage. The IDV of the vehicle (and side car/accessories, if any, fitted to the vehicle) for each year 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 (as per schedule below).","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":1,"url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Terms and Conditions for LT Private Car Package Policy for New Vehicles","pages":5,"fetched_at":"2026-10-17 19:53:31+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/LT-PC%20Package%20%28New%20Vehicles%29-T%26C.pdf","url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12892"},{"kind":"prospectus","label":"Prospectus for LT PC Package for New Vehicles","pages":7,"fetched_at":"2026-10-17 19:53:43+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/LT-PC%20Package%20%28New%20Vehicles%29-Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12898"},{"kind":"cis","label":"CIS for LT Package Policy for New Vehicles","pages":5,"fetched_at":"2026-10-17 19:55:56+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/LT-PC%20Package%20%28New%20Vehicles%29-%20CIS.pdf","url":"https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425/document/12965"}],"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":"Long Term Private Car Package Policy for New Vehicles (UIN IRDAN058RPMT0006V01202425), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/long-term-private-car-package-policy-for-new-vehicles-irdan058rpmt0006v01202425"}