{"uin":"IRDAN103CPMT0001V01202526","name":"Motor Assured Value Insurance","url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"motor-addon","category_name":"Motor add-ons","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This product indemnifies the policyholder if the vehicle's actual re-sale value is lower than the Assured Value and the policyholder buys the vehicle at the Assured Value. It is for private four-wheeled vehicles with a certificate period up to 60 months and is ordinarily not renewable.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:46:43.208275+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":"Certificate period is up to 60 months. The policy is ordinarily not renewable.","display":"Certificate Period: Up to 60 months; ordinarily not renewable","note":null,"quote":"Certificate Period | Up to 60 months ... This Policy is ordinarily not renewable.","sources":[{"clause":"11","heading":"COVERAGE SUMMARY","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-11"},{"clause":"9.20","heading":"Renewal","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-9-20"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The policy says the Company should be intimated within the Intimation Window specified in the Certificate of Insurance, but the duration is not printed in the wording or prospectus.","quote":null,"sources":[],"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":["RC Docket","Signed relevant forms as specified by the Ministry of Road, transport and highway for transfer of ownership of the vehicle","NOC from financier, if applicable","Valid insurance policy(s)","PUC Certificate and duly executed RTO forms viz. Form 28, 29, 30, 35/NOC (if applicable)","Proof of receipt of sales proceeds and handover of Insured Vehicle to the Dealer or re-purchaser (buyer).","Any other document as required by the Company for establishing the claim."],"display":"RC Docket; transfer forms; financier NOC if applicable; valid insurance policy(s); PUC and RTO Forms 28, 29, 30, 35/NOC; proof of sales proceeds and handover; any other claim document required","note":null,"quote":"The following shall be required at the time of claim\ni) RC Docket,\nii) Signed relevant forms as specified by the Ministry of Road, transport and highway for transfer of ownership of the vehicle,\niii) NOC from financier, if applicable,\niv) Valid insurance policy(s),\nv) PUC Certificate and duly executed RTO forms viz. Form 28, 29, 30, 35/NOC (if applicable)\nvi) Proof of receipt of sales proceeds and handover of Insured Vehicle to the Dealer or re-purchaser (buyer).\nvii) Any other document as required by the Company for establishing the claim.","sources":[{"clause":"8","heading":"CLAIM DOCUMENTS","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-8"}],"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":"The policy leaves the number of days blank and says it is as specified in the Policy Schedule.","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":["Non-possession of Insured Vehicle: Failure or inability to obtain unencumbered actual or constructive possession of the Insured Vehicle for any reason.","Use other than for agreed purpose: Use of the Insured Vehicle in competitions, racing, rallying, motor sports, pacemaking, speed testing and or reliability trials, transportation of goods and or for hire as taxi or driving school or any other commercial use.","Accidental Damage: Own damage claim(s) under the Comprehensive Motor Insurance Policy(s) of the Insured Vehicle since the time of purchase of the new Insured Vehicle and upto the Time of Guarantee exceed the Own Damage Threshold as specified in the Certificate of Insurance.","Accidental total loss or Constructive Total Loss of the Insured Vehicle as defined under motor insurance package policy.","Incorrect Maintenance: Reduction in actual market value of a vehicle covered under the Policy, resulting from poor, incorrect, incomplete periodic maintenance as per the Manufacturer owner's manual","Fraudulent act committed by the Beneficiary or driver or the Insured or the Dealer.","Breach of Law: Beneficiary or the Insured committing or attempting to commit a breach of law with criminal intent.","Insured Vehicle, on which engine number or chassis number is deleted, defaced, and or altered shall not be eligible for claim under the Policy.","Unauthorized repair: Any failure due to unauthorized repairs, improper handling","EV Battery’s State of Health (SOH) being below the threshold specified in the Certificate of Insurance. (Applicable for electric vehicle).","Any loss or reduction in the actual market value of the Insured Vehicle, due to an environmental event such as but not limited to a volcanic eruption, earthquake, tidal wave, typhoon or flood.","War and terrorism: Any loss damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war"],"display":"Non-possession; use other than agreed purpose; own damage claims above threshold; total loss; incorrect maintenance; fraud; breach of law; deleted or altered engine/chassis number; unauthorized repair; EV battery SOH below threshold; natural disaster; war and terrorism","note":null,"quote":"i) Non-possession of Insured Vehicle: Failure or inability to obtain unencumbered actual or constructive possession of the Insured Vehicle for any reason. ... ii) Use other than for agreed purpose: Use of the Insured Vehicle in competitions, racing, rallying, motor sports, pacemaking, speed testing and or reliability trials, transportation of goods and or for hire as taxi or driving school or any other commercial use. ... iii) Accidental Damage: Own damage claim(s) under the Comprehensive Motor Insurance Policy(s) of the Insured Vehicle since the time of purchase of the new Insured Vehicle and upto the Time of Guarantee exceed the Own Damage Threshold as specified in the Certificate of Insurance. ... Accidental total loss or Constructive Total Loss of the Insured Vehicle as defined under motor insurance package policy. ... Incorrect Maintenance: Reduction in actual market value of a vehicle covered under the Policy, resulting from poor, incorrect, incomplete periodic maintenance as per the Manufacturer owner's manual ... vi) Fraud: Fraudulent act committed by the Beneficiary or driver or the Insured or the Dealer. ... vii) Breach of Law: Beneficiary or the Insured committing or attempting to commit a breach of law with criminal intent. ... Insured Vehicle, on which engine number or chassis number is deleted, defaced, and or altered shall not be eligible for claim under the Policy. ... xi) Unauthorized repair: Any failure due to unauthorized repairs, improper handling ... EV Battery’s State of Health (SOH) being below the threshold specified in the Certificate of Insurance. (Applicable for electric vehicle). ... Any loss or reduction in the actual market value of the Insured Vehicle, due to an environmental event such as but not limited to a volcanic eruption, earthquake, tidal wave, typhoon or flood. ... xxv) War and terrorism: Any loss damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war","sources":[{"clause":"5(i)","heading":"Non-possession of Insured Vehicle","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-i"},{"clause":"5(ii)","heading":"Use other than for agreed purpose","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-ii"},{"clause":"5(iii)","heading":"Accidental Damage","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-iii"},{"clause":"5(iv)","heading":"Accidental total loss of the vehicle","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-iv"},{"clause":"5(v)","heading":"Incorrect Maintenance","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-v"},{"clause":"5(vi)","heading":"Fraud","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-vi"},{"clause":"5(vii)","heading":"Breach of Law","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-vii"},{"clause":"5(viii)","heading":"Non-Identification","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-viii"},{"clause":"5(xi)","heading":"Unauthorized repair","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-xi"},{"clause":"5(xiv)","heading":"EV Battery’s State of Health (SOH)","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-xiv"},{"clause":"5(xxi)","heading":"Natural Disaster","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-xxi"},{"clause":"5(xxv)","heading":"War and terrorism","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-xxv"}],"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":"For a query or grievance, contact the branch office, call 022-48903990 or email services@indusindinsurance.com. If not satisfied, contact the Nodal Grievance Officer at grievances@indusindinsurance. com, then the Head Grievance Officer at Headgrievances@indusindinsurance.com, and then the Insurance Ombudsman.","display":"Branch office / 022-48903990 / services@indusindinsurance.com, then Nodal Grievance Officer, then Head Grievance Officer, then Insurance Ombudsman","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call at 022-48903990 or may write an email at services@indusindinsurance.com. In case the Insured is not satisfied with the response of the office, Insured may contact the Nodal Grievance Officer of the Company at grievances@indusindinsurance. com. In the event of unsatisfactory response from the Nodal Grievance Officer, Insured may email to Head Grievance Officer at Headgrievances@indusindinsurance.com. If the Insured is not satisfied with the Company's redressal of the Insured’s grievance through one of the above methods, the Insured may approach the nearest Insurance Ombudsman for resolution of the grievance.","sources":[{"clause":"10","heading":"GRIEVANCE REDRESSAL PROCEDURE","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-10"}],"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":["Loss if at the Time of Guarantee, the Actual Re-sale Value of the Insured Vehicle is lower than the Assured Value as specified in the Certificate of Insurance"],"display":"Assured Value loss when Actual Re-sale Value is lower than the Assured Value at the Time of Guarantee","note":null,"quote":"The Company shall Indemnify the Policyholder for the value of Loss if at the Time of Guarantee, the Actual Re-sale Value of the Insured Vehicle is lower than the Assured Value as specified in the Certificate of Insurance, and the Policyholder upholds the terms as per the Guarantee Agreement by buying the Insured Vehicle at the Assured Value.","sources":[{"clause":"3.1","heading":"Assured Value","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-3-1"}],"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":"At policy level, the insured may cancel any time during the policy period by giving 7 days written notice, but no refund is made. At certificate level, if the underlying Buyback Agreement is cancelled within the period specified in the Policy Schedule, the insured is eligible for refund of premium paid for that vehicle less issuance expenses and stamp duty charges.","display":"Policy level: no refund on cancellation; certificate level: refund less issuance expenses and stamp duty if Buyback Agreement is cancelled within the specified period","note":"The certificate-level cancellation period is left blank in the wording and is to be specified in the Policy Schedule.","quote":"The Insured may cancel the Policy anytime during the Policy Period by giving 7 days written notice to the Company. No refund shall be made in case of cancellation. ... If the underlying Buyback Agreement for an Insured Vehicle is cancelled within a period of ____ days (as specified in the Policy Schedule) from date of the Buyback Agreement, the Insured shall be eligible for a refund of the premium paid for that Insured Vehicle less any expenses incurred by the Company on issuance and the stamp duty charges.","sources":[{"clause":null,"heading":"6.10 Cancellation or termination","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-6-10-cancellation-or-termination"}],"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":"quote-verified","value":"The policy applies to any Loss incurred or Claims made in India, unless otherwise stated in the Policy Schedule.","display":"India, unless otherwise stated in the Policy Schedule","note":null,"quote":"this Policy shall apply to any Loss incurred or Claims made in India, unless otherwise stated in the Policy Schedule.","sources":[{"clause":"9.18","heading":"Territorial Scope","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-9-18"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"not-applicable","value":null,"display":null,"note":"This product is an assured value cover for resale-value loss, not a comprehensive, standalone own-damage or third-party motor policy.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"This assured value product does not provide compulsory third-party liability cover for injury, death or property damage to others.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"The product pays assured value loss on resale, not IDV for theft or total loss under a motor own-damage policy.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"This product does not pay repair bills for replaced parts, so a depreciation-on-parts table does not apply.","quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-applicable","value":null,"display":null,"note":"This assured value cover is not an own-damage motor policy with a no-claim bonus discount.","quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-applicable","value":null,"display":null,"note":"This product is not a standard motor own-damage cover where a fixed compulsory deductible applies to each own-damage claim.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-applicable","value":null,"display":null,"note":"This assured value product does not provide the compulsory personal accident cover for an owner-driver.","quote":null,"sources":[],"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":"not-applicable","value":null,"display":null,"note":"This product does not cover vehicle repair bills, so cashless repair at network garages is not applicable.","quote":null,"sources":[],"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":["Use of the Insured Vehicle in competitions, racing, rallying, motor sports, pacemaking, speed testing and or reliability trials, transportation of goods and or for hire as taxi or driving school or any other commercial use.","Own damage claim(s) under the Comprehensive Motor Insurance Policy(s) of the Insured Vehicle since the time of purchase of the new Insured Vehicle and upto the Time of Guarantee exceed the Own Damage Threshold as specified in the Certificate of Insurance.","Accidental total loss or Constructive Total Loss of the Insured Vehicle as defined under motor insurance package policy.","Reduction in actual market value of a vehicle covered under the Policy, resulting from poor, incorrect, incomplete periodic maintenance as per the Manufacturer owner's manual","Beneficiary or the Insured committing or attempting to commit a breach of law with criminal intent.","Insured Vehicle, on which engine number or chassis number is deleted, defaced, and or altered shall not be eligible for claim under the Policy.","Any failure due to unauthorized repairs, improper handling","Use of adulterated or improper service products such as fuel, oils, brake fluids, coolants, washing and polishing products","EV Battery’s State of Health (SOH) being below the threshold specified in the Certificate of Insurance. (Applicable for electric vehicle).","The use of charger or charging stations not recommended by Manufacturer of the vehicle. (Applicable for electric vehicle).","Reduction in actual market value of the Insured Vehicle due to theft/absence of vehicle equipment’s and/or Accessories, fitted in new vehicle as standard Equipment supplied by the Manufacturer"],"display":"Use other than agreed purpose; own-damage claims above threshold; accidental total loss or CTL; incorrect maintenance; breach of law; deleted or altered engine/chassis number; unauthorized repairs; adulterated or improper service products; EV battery SOH below threshold; non-recommended charger; theft or absence of standard equipment/accessories","note":null,"quote":"Use of the Insured Vehicle in competitions, racing, rallying, motor sports, pacemaking, speed testing and or reliability trials, transportation of goods and or for hire as taxi or driving school or any other commercial use. ... Own damage claim(s) under the Comprehensive Motor Insurance Policy(s) of the Insured Vehicle since the time of purchase of the new Insured Vehicle and upto the Time of Guarantee exceed the Own Damage Threshold as specified in the Certificate of Insurance. ... Accidental total loss or Constructive Total Loss of the Insured Vehicle as defined under motor insurance package policy. ... Reduction in actual market value of a vehicle covered under the Policy, resulting from poor, incorrect, incomplete periodic maintenance as per the Manufacturer owner's manual ... Beneficiary or the Insured committing or attempting to commit a breach of law with criminal intent. ... Insured Vehicle, on which engine number or chassis number is deleted, defaced, and or altered shall not be eligible for claim under the Policy. ... Any failure due to unauthorized repairs, improper handling ... Use of adulterated or improper service products such as fuel, oils, brake fluids, coolants, washing and polishing products ... EV Battery’s State of Health (SOH) being below the threshold specified in the Certificate of Insurance. (Applicable for electric vehicle). ... The use of charger or charging stations not recommended by Manufacturer of the vehicle. (Applicable for electric vehicle). ... Reduction in actual market value of the Insured Vehicle due to theft/absence of vehicle equipment’s and/or Accessories, fitted in new vehicle as standard Equipment supplied by the Manufacturer","sources":[{"clause":"5(ii)","heading":"Use other than for agreed purpose","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-ii"},{"clause":"5(iii)","heading":"Accidental Damage","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-iii"},{"clause":"5(iv)","heading":"Accidental total loss of the vehicle","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-iv"},{"clause":"5(v)","heading":"Incorrect Maintenance","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-v"},{"clause":"5(vii)","heading":"Breach of Law","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-vii"},{"clause":"5(viii)","heading":"Non-Identification","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-viii"},{"clause":"5(xi)","heading":"Unauthorized repair","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-xi"},{"clause":"5(xii)","heading":"Use of adulterated or improper products","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-xii"},{"clause":"5(xiv)","heading":"EV Battery’s State of Health (SOH)","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-xiv"},{"clause":"5(xv)","heading":"Non-recommended equipment","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-xv"},{"clause":"5(xvi)","heading":"Theft","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-5-xvi"}],"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 the Assured Value specified in the Certificate of Insurance, which is the minimum value guaranteed for the Insured Vehicle at the Time of Guarantee. The cover details express it as XX% of Ex-showroom price at the end of XX months from the date of purchase.","display":"Assured Value specified in the Certificate of Insurance; XX% of Ex-showroom price at the Time of Guarantee","note":null,"quote":"Assured Value means the value as specified in the Certificate of Insurance, which is the minimum value guaranteed to the Beneficiary by the Policyholder for the Insured Vehicle at a particular point in time referred as the ‘Time of Guarantee’ ... XX% of Ex-showroom price | at the end of XX months from the date of purchase of the Insured Vehicle","sources":[{"clause":"2(iv)","heading":"Assured Value","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-2-iv"},{"clause":null,"heading":"COVER DETAILS","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539#c-cover-details"}],"law":[]},{"key":"addon_cover","label":"What the add-on pays","section":"Cover","meaning":"What this add-on adds to the base motor policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"addon_limits","label":"Limits on the add-on","section":"Limits and co-pay","meaning":"Number of claims per year, vehicle age limits and other caps.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Motor Assured Value Insurance Policy Wordings","pages":11,"fetched_at":"2026-10-17 19:39:11+00","source_url":"https://www.indusindinsurance.com/downloads/motor-assured-value-insurance-policy-wordings","url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9539"},{"kind":"prospectus","label":"Motor Assured Value Insurance Prospectus","pages":8,"fetched_at":"2026-10-17 19:39:12+00","source_url":"https://www.indusindinsurance.com/downloads/motor-assured-value-insurance-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526/document/9540"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.indusindinsurance.com/about-us/grievance-redressal","note":null},{"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."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"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":"Motor Assured Value Insurance (UIN IRDAN103CPMT0001V01202526), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/motor-assured-value-insurance-irdan103cpmt0001v01202526"}