{"uin":"IRDAN103RP0001V03202425","name":"IndusInd Private Car Policy Bundled","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Private Car Policy-Bundled covers private car own damage for 1 year and third party liability for 3 years. The sum insured is the vehicle IDV and the policy offers add-ons including nil depreciation, consumables, engine protect, return to invoice, assistance covers and EV covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:46:11.435465+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":"Own Damage cover runs for 1 Year and Third Party cover runs for 3 Years.","display":"Own Damage- 1 Year & Third Party- 3 Years","note":"From the prospectus; the policy wording defines the period by reference to the Schedule.","quote":"Policy Period: Own Damage- 1 Year & Third Party- 3 Years.","sources":[{"clause":null,"heading":"INDUSIND PRIVATE CAR POLICY - BUNDLED - PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9507#c-indusind-private-car-policy-bundled-prospectus"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing immediately upon accidental loss or damage. Theft or a criminal act must also be reported immediately to the Police.","display":"Immediately upon the occurrence; theft/criminal act to Police immediately","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject matter of a claim under this policy the insured shall give immediate notice to the Police","sources":[{"clause":null,"heading":"Conditions","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["claim form","driving licence","Registration copy","Permit","Fitness","FIR","Un-traceable report","Fire brigade report","repair bills (only in case of reimbursement)"],"display":"Claim form, driving licence, Registration copy, Permit, Fitness, FIR, Un-traceable report, Fire brigade report and reimbursement repair bills","note":null,"quote":"The policyholder must provide supporting documents at the time of claim, such as claim form, driving licence, Registration copy, Permit, Fitness, FIR, Un-traceable report ,Fire brigade report, repair bills (only in case of reimbursement).","sources":[{"clause":null,"heading":"For Addon Products","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9509#c-for-addon-products"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Claims approval is 7days from receipt of the survey report. Settlement of claim is 15 days from receipt of the surveyor report and/or last relevant and necessary document.","display":"Claims approval 7days from survey report; settlement 15 days from surveyor report and/or last relevant and necessary document","note":null,"quote":"Claims Approval | 7days from the date of receipt of survey report ... Settlement of claim | 15 days from the date of receipt of Surveyor ... report and/or last relevant and necessary document","sources":[{"clause":"17(e)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9509#c-17-e"}],"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 is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","consumed alcohol or is under the influence of intoxicating liquor or drugs or driving the insured vehicle without a valid license","outside the Geographical Area as stated in the schedule","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the Limitations as to Use as stated in the schedule","Being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the Driver’s clause","ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Main exclusions include wear and tear/breakdown, tyres unless vehicle also damaged, accessories theft unless vehicle stolen, alcohol/drugs/no valid licence, outside geographical area, contractual liability, improper use or driver, nuclear risks and war risks.","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time ... consumed alcohol or is under the influence of intoxicating liquor or drugs or driving the insured vehicle without a valid license ... outside the Geographical Area as stated in the schedule ... Any claim arising out of any contractual liability ... Being used otherwise than in accordance with the Limitations as to Use as stated in the schedule ... Being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the Driver’s clause ... ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"4(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-4-a"},{"clause":"4(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-4-b"},{"clause":"4(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-4-c"},{"clause":"4(d)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-4-d"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-1-2"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-2-2"},{"clause":"3(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-3-a"},{"clause":"3(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-3-b"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#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":"First contact the respective branch office, call 022 4890 3009 (paid), or email services@Indusindinsurance.com. If unsatisfied, contact the Nodal Grievance Officer at Grievances@ indusindinsurance.com, then the Head Grievance Officer at HeadGrievances@indusindinsurance.com before approaching the Insurance Ombudsman.","display":"Branch office / 022 4890 3009 / services@Indusindinsurance.com, then Nodal Grievance Officer, then Head Grievance Officer","note":null,"quote":"For resolution of any complaint or grievance, Insured may contact the respective branch office of the Company or may call at 022 4890 3009 (paid) 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.","sources":[{"clause":null,"heading":"GRIEVANCE CLAUSE","page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-grievance-clause"}],"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 or frost","accidental external means","malicious act","terrorist activity","Whilst in transit by road, rail, inland-waterway, lift, elevator or air","landslide and rockslide"],"display":"Fire/explosion/self ignition/lightning, burglary/housebreaking/theft, riot/strike, earthquake, flood/storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"By fire, explosion, self ignition or lightning; II) By burglary, housebreaking or theft; III) By riot and strike; IV) By earthquake (fire and shock damage); V) By flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm or frost; VI) By accidental external means; VII) By malicious act; VIII) By terrorist activity; IX) Whilst in transit by road, rail, inland-waterway, lift, elevator or air; X) By landslide and rockslide.","sources":[{"clause":"Section 1","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-section-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":"You may cancel at any time during the term without giving a reason if no claim has arisen; refund is as per the three-year third-party premium refund table. If a claim has occurred, the third-party premium refund depends on the claim year and there is no refund of Own Damage premium.","display":"No-claim cancellation: refund as per table; with claim: TP refund by claim year, no Own Damage premium refund","note":"The wording also says motor third-party insurance cannot be cancelled except for double insurance or the vehicle no longer being in use due to total loss or constructive total loss.","quote":"The policy may be cancelled at any time during the term, by informing the insurer without assigning any reason provided no claim has arisen during the period of insurance. In the event of cancellation by the insured the refund amount shall be calculated as set out in the below table where Annual Third Party Premium = Third Party Premium/3 ... In the event of Claim, following table will be applicable for refund of third party premium in case of cancellation initiated by the insured: ... Year 3 | No refund ... There shall be no refund of Own Damage premium in the event of claim in the policy.","sources":[{"clause":"6(b)(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-6-b-i"},{"clause":"6(b)(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-6-b-ii"}],"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 base policy wording only refers to the Geographical Area stated in the Schedule, which is a pointer and not a printed territory.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"not-stated","value":null,"display":null,"note":null,"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":"quote-verified","value":"The policy covers legal liability arising out of use of the insured vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to third-party property, subject to the limits of liability in the Schedule.","display":"Legal liability for death/bodily injury and third-party property damage, subject to Schedule limits","note":"The documents provided here do not print an unlimited death/injury limit; the wording refers to limits in the Schedule.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the Insured in the event of an accident caused by or arising out of the use of the Insured vehicle against all sums which the Insured shall become legally liable to pay in respect of ... Death of or bodily injury to any person including occupants carried in the Insured vehicle ... Damage to any property other than the property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-1"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-1-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value (IDV) is deemed the sum insured, fixed each year at commencement of the policy period based on the manufacturer’s listed selling price for the make/model variant adjusted for depreciation. For total loss or constructive total loss, liability is the IDV specified in the Schedule for the relevant year less the value of the wreck.","display":"IDV is the sum insured, fixed each year from manufacturer’s listed selling price adjusted for depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this Policy and shall be fixed for each year of the policy at the commencement of Policy period for the Insured vehicle. The IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price ... For total loss / constructive total loss of the insured vehicle - the Insured’s Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule against the year in which loss falls less the value of the wreck.","sources":[{"clause":null,"heading":"Sum Insured Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-sum-insured-declared-value-idv"},{"clause":"6(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-6-a"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts: rubber/nylon/plastic parts, tyres, tubes and batteries 50%; fibre glass components 30%; glass Nil. Other parts follow the age schedule: Nil up to 6 months, 5% over 6 months to 1 year, 10% over 1 to 2 years, 15% over 2 to 3 years, 25% over 3 to 4 years, 35% over 4 to 5 years, 40% over 5 to 10 years and 50% over 10 years; painting material cost is depreciated at 50%.","display":"Parts depreciation: rubber/nylon/plastic/tyres/tubes/batteries 50%, fibre glass 30%, glass Nil; other parts Nil to 50% by vehicle age","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 ... Exceeding 6months but not exceeding 1 year | 5% ... Exceeding 1 year but not exceeding 2 years | 10% ... Exceeding 2 years but not exceeding 3 years | 15% ... Exceeding 3 years but not exceeding 4 years | 25% ... Exceeding 4 years but not exceeding 5 years | 35% ... Exceeding 5 years but not exceeding 10 years | 40% ... Exceeding 10 years | 50% ... In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"Section 1","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-section-1"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-4"}],"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 applies on renewal of annual policy on the own-damage premium: 20% after the preceding full claim-free year, 25% after 2 consecutive claim-free years, 35% after 3, 45% after 4 and 50% after 5; maximum capping is 50%.","display":"20% to 50% discount on Own Damage Premium for claim-free years","note":null,"quote":"No Claim Bonus (NCB), wherever applicable, will be as per the following table, which will be applicable for renewal of annual policy. ... No claim made or pending during the preceding full year of insurance | 20% ... No claim made or pending during the preceding 2 consecutive year of insurance | 25% ... No claim made or pending during the preceding 3 consecutive year of insurance | 35% ... No claim made or pending during the preceding 4 consecutive year of insurance | 45% ... No claim made or pending during the preceding 5 consecutive year of insurance | 50% ... Maximum capping for NCB will be 50%.","sources":[{"clause":"11","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-11"}],"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":"For each Section 1 own-damage claim, the compulsory deductible is Rs 1000/- for private cars not exceeding 1500 cc and Rs 2000/- for private cars exceeding 1500 cc.","display":"Rs 1000/- up to 1500 cc; Rs 2000/- above 1500 cc","note":null,"quote":"The deductible in respect of Any one Accident shall be the amount of Deductible for Section 1 Own Damage as specified below: ... Private Cars including three wheelers rated as Private Cars (Not exceeding 1500 cc) | 1000/- ... Private Cars including three wheelers rated as Private Cars (Exceeding 1500 cc) | 2000/-","sources":[{"clause":null,"heading":"Deductible","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-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":"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":"quote-verified","value":"The owner-driver personal accident cover pays compensation for death, specified limb/eye loss or permanent total disablement from accidental injury connected with the insured vehicle, with aggregate liability not exceeding Rs. 15 lakh during one period of insurance. The owner-driver must be the registered owner, the insured named in the policy and hold a valid driving license at the time of accident.","display":"PA owner-driver cover up to Rs. 15 lakh","note":null,"quote":"the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the insured vehicle ... (i) Death | 100% ... (iii) Loss of one limb or sight of one eye | 50% ... the total liability of the Company shall not in the aggregate exceed the sum of Rs. 15 lakh during any one Period of Insurance. ... The Owner-Driver is the registered owner of the vehicle Insured herein; ... The Owner-Driver is the Insured named in this Policy. ... The Owner-Driver holds a valid driving license","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-section-iii"},{"clause":"Section III(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-section-iii-a"},{"clause":"Section III(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-section-iii-b"},{"clause":"Section III(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-section-iii-c"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Nil depreciation","Consumables Expenses","Engine Protect","Return to Invoice","Assistance Covers","EMI Protect Cover","EV -Battery Protection Cover","EV- Motor Protect Cover","EV- Charger Cover","Daily Allowance Benefit Plus","Hospital Cash Cover","Voluntary Deductible","No Claim Bonus Retention Cover","Tyre Protector","Rim Protector","Loss of Personal Belongings","Key Protect","Replacement Car","Limit Sure Pay As You Drive","Private Car Preferred Network Garage Benefit"],"display":"Nil depreciation, consumables, engine protect, return to invoice, assistance, EMI protect, EV covers, daily allowance, hospital cash, voluntary deductible, NCB retention, tyre/rim, personal belongings, key protect, replacement car, limit sure and preferred network garage","note":null,"quote":"Add Ons UIN Nil depreciation IRDAN103RP0001V03202425/A0038V01201819 Consumables Expenses IRDAN103RP0001V03202425/A0027V02201819 Engine Protect IRDAN103RP0001V03202425/A0036V02201819 Return to Invoice IRDAN103RP0001V03202425/A0010V01202021 Assistance Covers IRDAN103RP0001V03202425/A0045V01202223 EMI Protect Cover IRDAN103RP0001V03202425/A0006V02202526 EV -Battery Protection IRDAN103RP0001V03202425/A0027V01202223 ... EV- Motor Protect Cover | IRDAN103RP0001V03202425/A0029V01202223 ... EV- Charger Cover | IRDAN103RP0001V03202425/A0035V01202223 ... Daily Allowance Benefit Plus | IRDAN103RP0001V03202425/A0010V02202526 ... Hospital Cash Cover | IRDAN103RP0001V03202425/A0014V01202021 ... Voluntary Deductible | IRDAN103RP0001V03202425/A0026V01201819 ... No Claim Bonus Retention Cover | IRDAN103RP0001V03202425/A0033V02201819 ... Tyre Protector | IRDAN103RP0001V03202425/A0011V01202021 ... Rim Protector | IRDAN103RP0001V03202425/A0012V01202021 ... Loss of Personal Belongings | IRDAN103RP0001V03202425/A0013V01202021 ... Key Protect | IRDAN103RP0001V03202425/A0037V02201819 ... Replacement Car | IRDAN103RP0001V03202425/A0031V01201819 ... Limit Sure Pay As You | IRDAN103RP0001V03202425/A0033V01202223 ... Private Car Preferred | IRDAN103RP0001V03202425/A0048V01202425","sources":[{"clause":"Row 2","heading":"Unique Identification Number (UIN) allotted by IRDAI","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9509#c-row-2"},{"clause":"Annexure B","heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9509#c-annexure-b-2"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless process is available by registering the claim by phone and visiting network garages for vehicle repair.","display":"Cashless process at network garages","note":null,"quote":"For Cashless Process: ... a) Register claim by calling (022)-48903009(paid) ... b) Visit to our network garages for vehicle repair.","sources":[{"clause":null,"heading":"Sample Claim Calculation","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9509#c-sample-claim-calculation"},{"clause":"17(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9509#c-17-a"},{"clause":"17(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9509#c-17-b"}],"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 is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","consumed alcohol or is under the influence of intoxicating liquor or drugs","driving the insured vehicle without a valid license","outside the Geographical Area as stated in the schedule","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the Limitations as to Use as stated in the schedule","Being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the Driver’s clause","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"No wear and tear/breakdown, tyre-only damage, accessory theft unless vehicle stolen, drunk/drug driving, no valid licence, outside geographical area, contractual liability, non-permitted use, non-permitted driver and war risks","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time ... consumed alcohol or is under the influence of intoxicating liquor or drugs or driving the insured vehicle without a valid license ... outside the Geographical Area as stated in the schedule. ... Any claim arising out of any contractual liability. ... Being used otherwise than in accordance with the Limitations as to Use as stated in the schedule ... Being driven by or is for the purpose of being driven by or in the charge of any person other than a driver as stated in the Driver’s clause. ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"4(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-4-a"},{"clause":"4(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-4-b"},{"clause":"4(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-4-c"},{"clause":"4(d)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-4-d"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-1-2"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-2-2"},{"clause":"3(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-3-a"},{"clause":"3(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-3-b"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-6"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is based on the Insured’s Declared Value (IDV). IDV is deemed the sum insured and is fixed each year from the manufacturer’s listed selling price of the make and model variant, adjusted for depreciation.","display":"IDV basis","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 and shall be fixed for each year of the policy at the commencement of Policy period for the Insured vehicle. The IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the make and model variant of the Insured vehicle at the commencement of insurance/renewal and adjusted for depreciation","sources":[{"clause":null,"heading":"Sum Insured Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508#c-sum-insured-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Private Car Policy Bundled Policy Wording","pages":44,"fetched_at":"2026-10-17 19:38:18+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-policy-bundled-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9508"},{"kind":"prospectus","label":"IndusInd Private Car Policy Bundled Prospectus","pages":7,"fetched_at":"2026-10-17 19:38:19+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-policy-bundled-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9507"},{"kind":"cis","label":"IndusInd Private Car Policy Bundled","pages":19,"fetched_at":"2026-10-17 19:38:20+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-policy-bundled","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425/document/9509"}],"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":"IndusInd Private Car Policy Bundled (UIN IRDAN103RP0001V03202425), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-bundled-irdan103rp0001v03202425"}