{"uin":"IRDAN103RP0010V02100001","name":"IndusInd Private Car Package","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001","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 Package Policy covers private car own damage and third-party liability, with personal accident cover for the owner-driver up to Rs. 15 lakhs. The prospectus states an Own Damage term of 1 Year and Third Party term of 3 Years, and the policy offers add-ons such as nil depreciation, engine protector, return to invoice and roadside assistance.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:45:44.890027+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe a single IndusInd Private Car Package Policy and add-on covers, but do not name separate plan variants inside the product.","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- 1 Year & Third Party- 3 Years.","display":"Own Damage- 1 Year & Third Party- 3 Years","note":null,"quote":"Policy Period: Own Damage- 1 Year & Third Party- 3 Years.","sources":[{"clause":null,"heading":"INDUSIND PRIVATE CAR PACKAGE POLICY - PROSPECTUS","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9503#c-indusind-private-car-package-policy-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 of accidental loss or damage must be given in writing to the Company immediately. Theft or criminal act must also be immediately notified to the police.","display":"Immediately, in writing; theft/criminal act also immediately to the police","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject 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-package-irdan103rp0010v02100001/document/9501#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 repair bills for reimbursement","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 Add On Products","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9506#c-for-add-on-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 7 days 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 7 days from receipt of survey report; Settlement 15 days from receipt of Surveyor report and/or last relevant and necessary document","note":null,"quote":"Claims Approval | 7 days 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":"20(e)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9506#c-20-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","under the influence of intoxicating liquor or drugs","outside the geographical area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the 'Limitations as to Use'","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Consequential loss, wear and tear, breakdown, tyre/tube damage unless vehicle also damaged, intoxicated driving, outside geographical area, contractual liability, use/driver clause breaches, radioactivity, nuclear weapons 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 ... under the influence of intoxicating liquor or drugs ... Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the 'Limitations as to Use' ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-5-c"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-general-exceptions"},{"clause":"2(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-2-a-2"},{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-2-b-2"}],"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 not satisfied, escalate to the Nodal Grievance Officer at Grievances@indusindinsurance.com, then Head Grievance Officer at HeadGrievances@indusindinsurance.com, before the Insurance Ombudsman if unresolved within 30 days.","display":"Branch office / 022 4890 3009 / services@Indusindinsurance.com, then Nodal Grievance Officer, then Head Grievance Officer, then Ombudsman after 30 days","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. In the event of unsatisfactory response from the Head Grievance Officer or the complaint is not resolved within 30 days, the insured may, subject to vested jurisdiction, approach the Insurance Ombudsman","sources":[{"clause":null,"heading":"GRIEVANES CLAUSE","page":37,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-grievanes-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":["By fire explosion self ignition or lightning","By burglary housebreaking or theft","By riot and strike","By earthquake (fire and shock damage)","By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","By accidental external means","By malicious act","By terrorist activity","Whilst in transit by road rail inland-waterway lift elevator or air","By landslide rockslide"],"display":"Fire/explosion/self ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood and storm perils, accidental external means, malicious act, terrorism, transit, landslide/rockslide","note":null,"quote":"i) By fire explosion self ignition or lightning ;\nii) By burglary housebreaking or theft ;\niii) By riot and strike;\niv) By earthquake (fire and shock damage);\nv) By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi) By accidental external means;\nvii) By malicious act;\nviii) By terrorist activity;\nix) Whilst in transit by road rail inland-waterway lift elevator or air;\nx) By landslide rockslide.","sources":[{"clause":"Section 1","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#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":"The insured may cancel at any time during the term without assigning reason, provided no claim has arisen; refund is on a pro-rata basis. If any claim has been admitted or lodged, there is no refund for the Policy Year.","display":"Pro-rata refund if you cancel and no claim has arisen; no refund if a claim has been admitted or lodged","note":null,"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 on pro-rata basis ... Where any claim has been admitted or has been lodged by the person under the Policy, there shall be no refund of premium for the Policy Year.","sources":[{"clause":"2(b)(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-2-b-i"},{"clause":"2(b)(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-2-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 excludes loss outside the geographical area but the provided documents do not specify the geographical area; the schedule pointer is not an answer.","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 indemnifies the insured for legal liability arising from use of the vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and for damage to third-party property, subject to schedule limits.","display":"Covers legal liability for death or bodily injury to any person and damage to property, subject to schedule limits","note":null,"quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the 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 vehicle ... Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-1"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#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 and is fixed each policy year at commencement, based on the manufacturer’s listed selling price of the vehicle and accessories adjusted for depreciation. For total loss or constructive total loss, liability is the IDV specified in the schedule less the value of the wreck.","display":"IDV is the Sum Insured, fixed each policy year from manufacturer’s listed selling price adjusted for depreciation; total loss/CTL pays IDV less wreck value","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this Policy and shall be fixed for each year of the policy at the commencement of Policy period ... fixed on the basis of the manufacturer’s listed selling price ... adjusted for depreciation ... For total loss / constructive total loss of the vehicle - the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck.","sources":[{"clause":null,"heading":"Sum Insured – Insured's Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-sum-insured-insured-s-declared-value-idv"},{"clause":"2(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-2-a-3"}],"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 and tubes, batteries and air bags are depreciated 50%; fibre glass components 30%; glass parts Nil. Other parts including wooden parts follow an age scale from Nil up to 50%, and painting applies 50% only on material cost.","display":"Parts: rubber/nylon/plastic, tyres/tubes, batteries and air bags 50%; fibre glass 30%; glass Nil; other parts by age up to 50%; painting 50% on material cost","note":null,"quote":"For all rubber / nylon / plastic parts, tyres and tubes, batteries and air bags | 50% ... For fibre glass components | 30% ... For all parts made of glass | Nil ... Rate of depreciation for all other parts including wooden parts will be as per the following schedule. ... Not exceeding 6 months | Nil ... Exceeding 10 years | 50% ... Rate of Depreciation for painting: In the case of painting the depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"Section 1","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-section-1"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-4"},{"clause":"5","heading":"Rate of Depreciation for painting","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus discount on own-damage premium is 20% after the preceding full claim-free year, 25% after 2 consecutive years, 35% after 3 consecutive years, 45% after 4 consecutive years and 50% after 5 consecutive years. The maximum capping for NCB is 50%.","display":"20%, 25%, 35%, 45% and 50% for 1 to 5 claim-free years; maximum 50%","note":null,"quote":"No claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive year of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive year of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive year of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive year of insurance | 50%\nMaximum capping for NCB will be 50%.","sources":[{"clause":"2(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-2-c-2"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"For each Section 1 own-damage claim, private cars not exceeding 1500cc have a compulsory deductible of Rs. 1000 and private cars exceeding 1500cc have a compulsory deductible of Rs. 2000.","display":"Rs. 1000 for private cars not exceeding 1500cc; Rs. 2000 for private cars exceeding 1500cc","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 1500cc) | 1000/- ... Private Cars including three wheelers rated as Private Cars (Exceeding 1500cc) | 2000/-","sources":[{"clause":null,"heading":"DEDUCTIBLE","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#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":"Personal accident cover pays compensation for death, loss of limbs/sight or permanent total disablement of the owner-driver, with total liability not exceeding Rs. 15 lakhs during any one period of insurance, subject to the owner-driver being the registered owner, named insured and holding an effective driving license.","display":"Owner-driver PA up to Rs. 15 lakhs for death, specified disablement or permanent total disablement","note":"The cover is subject to the owner-driver being the registered owner, the insured named in the policy and holding an effective driving license.","quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver ... Death | 100% ... Loss of one limb or sight of one eye | 50% ... Permanent total disablement from injuries other than named above. | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance.","sources":[{"clause":"Section 3","heading":"PERSONAL ACCIDENT COVER FOR OWNER - DRIVER","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-section-3"},{"clause":"1","heading":"Provided always that","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-1-2"}],"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":["NCB Retention Cover","Nil Depreciation","Voluntary Deductible","Return to Invoice","Tyre Protector","Rim Protector","Hospital Cash Cover","Consumable Expenses","Engine Protector","Key Protect cover","Loss of personal belongings","Cover For Replacement Car","Daily Allowance Benefit Plus","EMI Protection","IndusInd Limit Sure - Pay as you Drive","IndusInd Electric Vehicle Battery Protection Cover","IndusInd Electric Motor Protect Cover","IndusInd Electric Vehicle Charger Cover","IndusInd Private Car Preferred Network Garage Benefit Add-on cover","IndusInd Private Car Assistance"],"display":"NCB retention, nil depreciation, voluntary deductible, return to invoice, tyre/rim protector, hospital cash, consumables, engine/key/personal belongings/replacement car, daily allowance, EMI protection, pay-as-you-drive, EV battery/motor/charger, preferred network garage and private car assistance","note":"Most add-ons are applicable only if shown in the policy schedule and/or on payment of additional premium.","quote":"1. NCB Retention Cover ... 2. Nil Depreciation ... 3 Voluntary Deductible ... 4 Return to Invoice ... 5 Tyre Protector ... 6 Rim Protector ... 7 Hospital Cash Cover ... 8 Consumable Expenses ... 9 Engine Protector ... 10 Key Protect cover ... 11 Loss of personal belongings ... 12 Cover For Replacement Car ... 13 Daily Allowance Benefit Plus ... 14 EMI Protection ... 15 IndusInd Limit Sure - Pay as you Drive ... 16 IndusInd Electric Vehicle Battery Protection Cover ... 17 IndusInd Electric Motor Protect Cover ... 18 IndusInd Electric Vehicle Charger Cover ... 19 IndusInd Private Car Preferred Network Garage Benefit Add-on cover ... 20. IndusInd Private Car Assistance","sources":[{"clause":null,"heading":"ADD-ON COVERS","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-add-on-covers"},{"clause":null,"heading":"2. Nil Depreciation","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-2-nil-depreciation"},{"clause":"3","heading":"Voluntary Deductible","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-3-2"},{"clause":"4","heading":"Return to Invoice","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-4-3"},{"clause":"5","heading":"Tyre Protector","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-5-3"},{"clause":"6","heading":"Rim Protector","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-6"},{"clause":"7","heading":"Hospital Cash Cover","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-7"},{"clause":"8","heading":"Consumable Expenses","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-8"},{"clause":"9","heading":"Engine Protector","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-9"},{"clause":"10","heading":"Key Protect cover","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-10"},{"clause":"11","heading":"Loss of personal belongings","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-11"},{"clause":"12","heading":"Cover For Replacement Car","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-12"},{"clause":"13","heading":"Daily Allowance Benefit Plus","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-13"},{"clause":"14","heading":"EMI Protection","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-14"},{"clause":"15","heading":"IndusInd Limit Sure - Pay as you Drive","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-15"},{"clause":"16","heading":"IndusInd Electric Vehicle Battery Protection Cover","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-16"},{"clause":"17","heading":"IndusInd Electric Motor Protect Cover","page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-17"},{"clause":"18","heading":"IndusInd Electric Vehicle Charger Cover","page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-18"},{"clause":"19","heading":"IndusInd Private Car Preferred Network Garage Benefit Add-on cover UIN: IRDAN103RP0010V02100001/A0049V01202425","page":27,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-19"},{"clause":null,"heading":"20. IndusInd Private Car Assistance","page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-20-indusind-private-car-assistance"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Yes. For cashless process, the CIS says to register the claim and visit network garages for vehicle repair.","display":"Yes, via 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":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9506#c-sample-claim-calculation"},{"clause":"20(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9506#c-20-a"},{"clause":"20(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9506#c-20-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","under the influence of intoxicating liquor or drugs","Being used otherwise than in accordance with the 'Limitations as to Use'","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","outside the geographical area","Any claim arising out of any contractual liability","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/breakdown, tyre/tube damage unless vehicle also damaged, intoxicated driving, non-permitted use, driver-clause breach, outside geographical area, contractual liability, radiation, nuclear weapons 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 ... under the influence of intoxicating liquor or drugs ... Being used otherwise than in accordance with the 'Limitations as to Use' ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-5-c"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-general-exceptions"},{"clause":"2(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-2-a-2"},{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-2-b-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is IDV. The IDV is fixed at the start of each policy year based on the manufacturer’s listed selling price of the make and model variant, adjusted for depreciation as per the Company’s IDV criteria.","display":"IDV, based on manufacturer’s listed selling price adjusted for depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this Policy ... The IDV of the vehicle (and 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 – Insured's Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501#c-sum-insured-insured-s-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Private Car Package Policy Wording","pages":39,"fetched_at":"2026-10-17 19:38:10+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-package-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9501"},{"kind":"wording","label":"Daily Allowance Benefit Plus for Private Car (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:39:26+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN103RP0010V02100001A0010V02201415_GEN4190.pdf/d4458111-aa87-5063-d16b-3a833b42b58b?version=1.1&t=1668687279356&download=true","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/26936"},{"kind":"wording","label":"EMI Protection for Private Car (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:39:28+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN103RP0010V02100001A0006V02201415_GEN4191.pdf/f61e0981-d6cb-032e-cc77-4341fbf7920f?version=1.1&t=1668687381758&download=true","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/26937"},{"kind":"prospectus","label":"Prospectus For IndusInd Private Car Package Policy","pages":4,"fetched_at":"2026-10-17 19:38:12+00","source_url":"https://www.indusindinsurance.com/downloads/prospectus-for-indusind-private-car-package-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9503"},{"kind":"cis","label":"IndusInd Private Car Package Policy CIS","pages":20,"fetched_at":"2026-10-17 19:38:13+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-package-policy-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9506"},{"kind":"brochure","label":"IndusInd Private Car Package Policy","pages":8,"fetched_at":"2026-10-17 19:38:00+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-package-policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001/document/9505"}],"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 Package (UIN IRDAN103RP0010V02100001), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-irdan103rp0010v02100001"}