{"uin":"IRDAN058RPMT0056V01202425","name":"Private Car Package Policy","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425","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 Pay As You Drive standalone own-damage private car policy for one year. It covers listed own-damage perils up to opted and top-up kilometres, with only theft and fire admissible beyond those kilometres.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:34:27.141562+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":null,"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":"One year or twelve calendar months; no short period policy can be issued.","display":"One year or twelve calendar months; no short period policy can be issued.","note":null,"quote":"This Policy covers ONLY damage to the Insured Vehicle, and shall be valid during the period of one year or twelve calendar months.\nNote 2: No short period policy can be issued.","sources":[{"clause":null,"heading":"National Insurance Company Limited","page":1,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-national-insurance-company-limited"}],"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 any accidental loss or damage and in the event of any claim. For theft or another criminal act, immediate notice must also be given to the police.","display":"Immediately in writing to the Company; for theft or other criminal act, immediate notice 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. 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":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-1-4"}],"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","repair invoice should be in the name of National Insurance Company Limited","genuine invoice"],"display":"Detailed estimate of repair costs, repair invoice in National Insurance Company Limited's name, and genuine invoice for reimbursement.","note":"CIS also says the insured must provide documents as and when required by NICL.","quote":"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. 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 insured of the claim amount upon production of a genuine invoice.","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-5"},{"clause":"6(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12942#c-6-c"}],"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":"not-stated","value":null,"display":null,"note":"CIS only points to IRDAI regulations/company citizen charter for TAT and does not state a specific settlement time.","quote":null,"sources":[],"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","Any claims other than due to Theft or Fire damage to the Insured Vehicle, beyond opted kilometers and Top Up kilometers","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","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Main exclusions include wear and tear/breakdown, tyre and tube damage unless the vehicle is also damaged, intoxication, non-theft/fire claims beyond opted/top-up kilometres, outside geographical area, contractual liability, use outside limitations, non-authorised driver, nuclear/radioactivity, nuclear weapons 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 in which case the liability of the company shall be limited to 50% of the cost of replacement. ... c) 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. ... d) Any claims other than due to Theft or Fire damage to the Insured Vehicle, beyond opted kilometers and Top Up kilometers (if\nany). ... Any accidental loss and/or damage caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability. ... a) Being used otherwise than in accordance with the Limitations as to Use or ... b) 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. ... ii) Any liability of whatsoever nature directly or indirectly caused by or contributed to or by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... Any accidental loss and/or damage directly or indirectly caused by or contributed to or by or arising from nuclear weapons material ... Any accidental loss and/or damage directly or indirectly or proximately or remotely occasioned by or contributed to or by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-5"},{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-1-3"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-2-3"},{"clause":"3(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-3-a"},{"clause":"3(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-3-b"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-5-2"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#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. If unaddressed, contact the Customer Relationship Management Department of National Insurance Company Limited before approaching Bima Bharosa or the Insurance Ombudsman.","display":"Write to the Policy Issuing Office or Regional Office Grievance cell; if unaddressed, contact Customer Relationship Management Dept., National Insurance Company Limited.","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":"V","heading":"REDRESSAL OF GRIEVANCE","page":4,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-v"}],"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/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood and storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/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":"I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 in the supplied clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Stand Alone Private Car Own Damage Cover"],"display":"Standalone own damage.","note":null,"quote":"Own Damage Cover Whereas the Insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated herein has applied to the company for insurance of Private Car hereinafter contained and has paid the premium mentioned in the schedule as consideration for such insurance in respect of accidental loss or damage to the motor vehicle occurring during the Period of Insurance on ‘Pay As You Drive’ basis. ... The term ‘Policy’ used in this Policy shall mean National Stand Alone Private Car Own Damage Cover","sources":[{"clause":null,"heading":"National Insurance Company Limited","page":1,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-national-insurance-company-limited"},{"clause":"1","heading":"The term ‘Policy’ used in this Policy","page":1,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-1"}],"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":"No third-party liability cover is stated for this base product; the policy covers only damage to the insured vehicle.","display":"No third-party liability cover; this policy covers only damage to the insured vehicle.","note":null,"quote":"This Policy covers ONLY damage to the Insured Vehicle","sources":[{"clause":null,"heading":"National Insurance Company Limited","page":1,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-national-insurance-company-limited"}],"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 is the sum insured, 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; for total loss/constructive total loss, liability is IDV including accessories 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":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-sum-insured-insureds-declared-value-idv"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-2-4"}],"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":"Depreciation for replaced parts is 50% for rubber/nylon/plastic parts, tyres, tubes and batteries, 30% for fibre glass components, nil for glass, and for other parts by vehicle age from nil to 50%. Painting depreciation is 50% on material cost, with material taken as 25% of total painting charges in a consolidated bill.","display":"50% for rubber/nylon/plastic parts, tyres, tubes and batteries; 30% for fibre glass; nil for glass; other parts by vehicle age from nil to 50%; 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%\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. 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/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-1-2"},{"clause":"2","heading":"For fibre glass components 30%","page":1,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-2-2"},{"clause":"3","heading":"For all parts made of glass Nil","page":1,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-3"},{"clause":null,"heading":"AGE OF VEHICLE % OF DEPRECIATION","page":1,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-age-of-vehicle-of-depreciation"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#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":"No Claim Bonus is a discount on OD premium of 20%, 25%, 35%, 45% or 50% depending on consecutive claim-free years.","display":"NCB discount on OD premium: 20%, 25%, 35%, 45% or 50% for 1 to 5 consecutive claim-free years.","note":"From the prospectus.","quote":"No Claim Bonus (NCB) Discount on premium as per eligibility in NCB Certificate given by previous Insurer In case of renewal, No Claim Bonus certificate shall be issued depending on the Claims (if any) during the term of the Policy\nClaim Status | Discount on OD premium\nNo claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive years of insurance | 50%","sources":[{"clause":"5(e)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12880#c-5-e"}],"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 Private Car exceeding 1500 cc/65 KW.","note":"From the prospectus.","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":5,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12880#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 of Rs. 2500, Rs. 5000, Rs. 7500 or Rs. 15000 over and above the compulsory deductible, with the stated OD premium discounts.","display":"Optional voluntary deductibles of Rs. 2500, Rs. 5000, Rs. 7500 or Rs. 15000 over and above the compulsory deductible.","note":"From the prospectus.","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. 2500 | 20% on the OD premium, subject to a maximum of Rs 750\nRs. 5000 | 25% on the OD premium, subject to a maximum of Rs 1500\nRs. 7500 | 30% on the OD premium, subject to a maximum of Rs 2000\nRs. 15000 | 35% on the OD premium, subject to a maximum of Rs 2500","sources":[{"clause":"5(f)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12880#c-5-f"}],"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":"No personal accident cover for owner-driver is stated in this base policy; the policy covers only damage to the insured vehicle.","display":"Not included in this standalone own-damage policy; it covers only damage to the insured vehicle.","note":null,"quote":"This Policy covers ONLY damage to the Insured Vehicle","sources":[{"clause":null,"heading":"National Insurance Company Limited","page":1,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-national-insurance-company-limited"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 if the insured approaches cashless garages having tie-ups with NICL. For cashless claims, NICL pays the garage directly.","display":"Yes, at cashless garages having tie-ups with NICL; payment is made directly to the garage.","note":null,"quote":"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.","sources":[{"clause":"6(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12942#c-6-c"}],"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","Any claims other than due to Theft or Fire damage to the Insured Vehicle, beyond opted kilometers and Top Up kilometers","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","contractual liability","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Main motor exclusions include wear and tear/breakdown, tyre and tube damage unless the vehicle is also damaged, intoxication, non-theft/fire claims beyond opted/top-up kilometres, outside geographical area, use outside limitations, non-authorised driver, contractual liability, nuclear/radioactivity, nuclear weapons 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 in which case the liability of the company shall be limited to 50% of the cost of replacement. ... c) 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. ... d) Any claims other than due to Theft or Fire damage to the Insured Vehicle, beyond opted kilometers and Top Up kilometers (if\nany). ... Any accidental loss and/or damage caused sustained or incurred outside the Geographical Area. ... a) Being used otherwise than in accordance with the Limitations as to Use or ... b) 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. ... Any claim arising out of any contractual liability. ... ii) Any liability of whatsoever nature directly or indirectly caused by or contributed to or by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... Any accidental loss and/or damage directly or indirectly caused by or contributed to or by or arising from nuclear weapons material ... Any accidental loss and/or damage directly or indirectly or proximately or remotely occasioned by or contributed to or by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-5"},{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-1-3"},{"clause":"3(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-3-a"},{"clause":"3(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-3-b"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-2-3"},{"clause":"5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-5-2"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#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 sum insured is the Insured's Declared Value, fixed at commencement of each policy period on the basis of the manufacturer's listed selling price and adjusted for depreciation.","display":"IDV basis: manufacturer's listed selling price at commencement/renewal, 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. 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 (as per schedule below).","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Pay As You Drive Bundled Policy for Private Car","pages":6,"fetched_at":"2026-10-17 19:51:10+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/1.%20Long%20term%20PC%20Bundled%20Policy%20PAYD.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12834"},{"kind":"wording","label":"Terms and Conditions for Private Car Package Policy-Base Product","pages":8,"fetched_at":"2026-10-17 19:50:52+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Private%20Car-package%20policy-Base%20Product-Terms%20and%20Conditions_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12838"},{"kind":"wording","label":"Pay As You Drive Package Policy for Private Car","pages":6,"fetched_at":"2026-10-17 19:51:20+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/1.%20PAYD%20PC%20Package%20Policy.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12842"},{"kind":"wording","label":"Pay As Drive Stand Alone OD Policy","pages":5,"fetched_at":"2026-10-17 19:51:29+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/1.%20SAOD%20PC%20Policy%20PAYD_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12846"},{"kind":"wording","label":"Bundled Policy-PAYD-PC-T&C","pages":6,"fetched_at":"2026-10-17 19:53:08+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/LT%20Bundled%20Policy-PAYD-PC-T%26C.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12881"},{"kind":"wording","label":"Package Policy-PAYD-PC-T&C","pages":6,"fetched_at":"2026-10-17 19:53:24+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Package%20Policy-PAYD-PC-T%26C_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12888"},{"kind":"prospectus","label":"SAOD-PAYD-PC-Prospectus","pages":6,"fetched_at":"2026-10-17 19:53:04+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/SAOD%20Prospectus%20PC%20SAOD_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12880"},{"kind":"prospectus","label":"Bundled Policy-PAYD-PC-Prospectus","pages":8,"fetched_at":"2026-10-17 19:53:12+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/LT%20Bundled%20Policy-PAYD-PC-Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12883"},{"kind":"prospectus","label":"Package Policy-PAYD-PC-Prospectus","pages":8,"fetched_at":"2026-10-17 19:53:28+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Package%20Policy-PAYD-PC-Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12894"},{"kind":"prospectus","label":"Package Policy-PC-Prospectus","pages":5,"fetched_at":"2026-10-17 19:53:36+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-05/PC%20Package%20Policy%20Prospectus%2027.05.26.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12896"},{"kind":"cis","label":"Customer Information Sheet for Nil Dep","pages":1,"fetched_at":"2026-10-17 19:52:04+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Customer%20Information%20Sheet%20for%20Nil%20Dep_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12853"},{"kind":"cis","label":"SAOD-PAYD-PC-CIS","pages":7,"fetched_at":"2026-10-17 19:55:12+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/SAOD%20CIS%20PC%20PAYD_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12942"},{"kind":"cis","label":"Bundled Policy-PAYD-PC-CIS","pages":8,"fetched_at":"2026-10-17 19:55:31+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/Long%20Term%20CIS%20Bundled%20PC%20PAYD_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12953"},{"kind":"cis","label":"Package Policy-PC-CIS","pages":5,"fetched_at":"2026-10-17 19:55:44+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/CIS%20for%20Package%20Policy%20PC%202024_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12958"},{"kind":"cis","label":"Package Policy-PAYD-PC-CIS","pages":8,"fetched_at":"2026-10-17 19:55:50+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/PAYD%20CIS%20PC_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425/document/12964"}],"versions":[{"uin":"IRDAN058RPMT0038V01202425","version":null,"approved_on":null},{"uin":"IRDAN058RP0034V01100001","version":null,"approved_on":null},{"uin":"IRDAN058RPMT0020V01202425","version":null,"approved_on":null},{"uin":"IRDAN058RPMT0056V01202425","version":null,"approved_on":null}],"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":"Private Car Package Policy (UIN IRDAN058RPMT0056V01202425), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/private-car-package-policy-irdan058rpmt0056v01202425"}