{"uin":"IRDAN103RP0047V01202223","name":"IndusInd Comprehensive Package Insurance For Low Speed Electric Two Wheelers","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a motor two-wheeler package for unregistered low-speed electric two-wheelers with vehicle own damage cover, optional third-party cover and optional owner-driver personal accident cover. The policy period is 1 YEAR, IDV is the sum insured, and add-ons include nil depreciation, consumables, helmet cover, electric motor protect, battery cover, EV charger cover and return to invoice.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:49:08.713408+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":"1 YEAR","display":"1 YEAR","note":null,"quote":"2. POLICY PERIOD: 1 YEAR","sources":[{"clause":null,"heading":"INDUSIND COMPREHENSIVE PACKAGE INSURANCE FOR LOW SPEED ELECTRIC TWO WHEELERS","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9708#c-indusind-comprehensive-package-insurance-for-low"}],"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 to the Company immediately upon accidental loss or damage. For theft, the insured should report to the Police as well as the Company within 48 hrs from theft and obtain an FIR or written police acknowledgement.","display":"Immediately; theft within 48 hrs","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any Accidental Loss or damage and in the event of any claim and thereafter the Insured shall give all such information and assistance as the Company shall require. ... If the claim is for theft, Insured should report to the Police as well as Company within 48 hrs from theft and obtain an FIR or a written acknowledgement from the Police authorities.","sources":[{"clause":"5.1(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-5-1-i"},{"clause":"5.2","heading":"Notification of Claim","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-5-2"}],"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":["Duly filled and signed claim form","Copy of Policy document","License copy of the driver driving the vehicle at the time of the accident (where applicable)","Attested copy of FIR / Panchanama / Inquest Panchanama and final report of the police where applicable","An estimate of the vehicle repair cost OR Repair bills and payment receipts (original)","Vehicle inspection address details","Additional informative handles and accessories, including warranty cards, booklets, duplicate keys, etc.","Letter of Subrogation","Claim Discharge Voucher (produced with signature across a revenue stamp)","Attested copy of Death Certificate in case of death","Attested copy of Post Mortem Report (only if conducted)","Attested copy of disability certificate from the specialist treating doctor stating percentage of disability."],"display":"Claim form, policy document, driving licence where applicable, FIR/police papers where applicable, repair estimate or bills, inspection address and other listed documents","note":"The Company may call for other documents required to assess the claim.","quote":"Below listed documents are required for a claim.\ni) Duly filled and signed claim form\nii) Copy of Policy document\niii) License copy of the driver driving the vehicle at the time of the accident (where applicable)\niv) Attested copy of FIR / Panchanama / Inquest Panchanama and final report of the police where applicable\nv) An estimate of the vehicle repair cost OR Repair bills and payment receipts (original)\nvi) Vehicle inspection address details\nvii) Additional informative handles and accessories, including warranty cards, booklets, duplicate keys, etc. ... viii) Letter of Subrogation\nix) Claim Discharge Voucher (produced with signature across a revenue stamp)\nx) Attested copy of Death Certificate in case of death\nxi) Attested copy of Post Mortem Report (only if conducted)\nxii) Attested copy of disability certificate from the specialist treating doctor stating percentage of disability.\nNote: The Company may call for any other documents as required by the Company to assess the Claim.","sources":[{"clause":"5.3","heading":"Claim Documents","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-5-3"}],"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":"The CIS says the surveyor is allocated within <=24 hours from report of claim, the survey report is submitted to the insurer within <= 15 days of surveyor allocation, and the insurer decides on the claim within 7 days of receipt of the survey report.","display":"Surveyor <=24 hours; survey report <=15 days; claim decision within 7 days of survey report","note":"From the CIS; the policy wording gives claim steps but does not print these TAT figures.","quote":"Allocation of Surveyor | <=24 hours from report of claim\nAllocation of Surveyor | <=24 hours from report of claim\nSurvey report submission to Insurer | <= 15 days of Surveyors allocatio\nSurvey report submission to Insurer <= 15 days of Surveyors allocation\nThe Insurer shall decide on the claim | Within 7 days of receipt of the su report\nThe Insurer shall decide on the claim Within 7 days of receipt of the survey report","sources":[{"clause":null,"heading":"Claim TAT","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9740#c-claim-tat"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a complaint or grievance, 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, and then the Insurance Ombudsman if the response is unsatisfactory or the complaint is not resolved within 30 days.","display":"Branch/call/email, then Nodal Grievance Officer, then Head Grievance Officer, then Ombudsman after unsatisfactory response or 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 for the redressal of grievance.","sources":[{"clause":"7.11","heading":"Grievances Clause","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-7-11"}],"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 or strike","earthquake (fire and shock damage)","flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost","accidental external means","malicious act","terrorist activity","whilst in transit by road, rail, inland- waterway, lift, elevator or air","landslide rockslide","Accidental Death of or bodily injury to any person other than the Insured/ Vehicle Driver","Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured","bodily injury/ death sustained by the owner-driver"],"display":"Own-damage perils, third-party death/injury or property damage, and owner-driver accidental injury/death","note":null,"quote":"i) by fire, explosion, self-ignition or lightning;\nii) by burglary, housebreaking or theft;\niii) by riot or 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. ... i) Accidental Death of or bodily injury to any person other than the Insured/ Vehicle Driver.\nii) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... bodily injury/ death sustained by the owner-driver","sources":[{"clause":"1.1.1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-1-1-1-1"},{"clause":"1.2.1.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-1-2-1-1"},{"clause":"1.3.1.1","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-1-3-1-1"}],"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":"If no claim has arisen, the insured may cancel at any time during the term by informing the insurer without assigning any reason, and the refund is on a pro-rata basis. If any claim has been admitted or lodged, there is no refund of premium for the policy year.","display":"Pro-rata refund if no claim; no refund if a claim is admitted or lodged","note":"Motor Third Party Premium refund is subject to cancellation rules mentioned under Conditions Point no.10.","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":"7.2(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-7-2-i"},{"clause":"7.2(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-7-2-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":"quote-verified","value":"The geographical area is the boundaries of the Republic of India unless otherwise agreed and stated in the Policy Schedule or later endorsements.","display":"Republic of India","note":null,"quote":"Unless otherwise agree and stated in the Policy Schedule or in any subsequent endorsements, the Geographical Area of operating the Insured Vehicle is boundaries of the Republic of India.","sources":[{"clause":"4.12","heading":"Geographical Area","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-4-12"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Section 1 – Vehicle Own Damage Cover | Mandatory","Third Party Cover | Optional","Personal Accident Cover for Owner / Driver | Optional"],"display":"Vehicle Own Damage mandatory; Third Party and Personal Accident optional","note":null,"quote":"1.1.1 | Section 1 – Vehicle Own Damage Cover | Mandatory | Insured Declared Value as described in Section 1.1.2 (as per the Policy Schedule) ... 1.2 | Third Party Cover | Optional | Sum Insured as per the Policy Schedule. T Third Party Property Cover is Sub-limited XX% of this Sum Insured. ... 1.3 | Personal Accident Cover for Owner / Driver | Optional | Specific Sum Insured for the Owner and Unnamed Driver, as per the Policy Schedu","sources":[{"clause":"6","heading":"Table of Covers","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-6"}],"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":"Third Party Cover is marked optional in the table of covers. It indemnifies the insured for accident caused by or arising out of use of the low-speed electric two-wheeler anywhere in India, for accidental death or bodily injury to persons other than the insured/vehicle driver and damage to others' property, subject to the policy schedule limit.","display":"Optional; legal liability for third-party death, bodily injury and property damage, subject to schedule limit","note":"The documents do not state an unlimited limit for death or injury; they refer to the limit in the schedule.","quote":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Low-Speed Electric Two-Wheeler anywhere in India against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of:\ni) Accidental Death of or bodily injury to any person other than the Insured/ Vehicle Driver.\nii) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... 1.2 | Third Party Cover | Optional | Sum Insured as per the Policy Schedule. T Third Party Property Cover is Sub-limited XX% of this Sum Insured.","sources":[{"clause":"1.2.1.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-1-2-1-1"},{"clause":"6","heading":"Table of Covers","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-6"}],"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":"IDV is deemed the Sum Insured and is fixed at commencement of each policy period. It is based on the manufacturer's listed selling price of the brand and model at commencement of insurance or renewal, adjusted for depreciation, and is treated as Market Value throughout the policy period for TL/CTL claims.","display":"IDV is the Sum Insured, based on listed selling price adjusted for depreciation","note":"For vehicles beyond 5 years and obsolete models, IDV is determined by understanding between insurer and insured.","quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insured’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and sidecar/accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... IDV shall be treated as the 'Market Value' throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":"1.1.2.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-1-1-2-1"}],"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 in own-damage claims: rubber/nylon/plastic parts, tyres, tubes and batteries 50%; fibre glass components 30%; glass nil. Other parts are nil up to 6 months, then 5%, 10%, 15%, 25%, 35%, 40% and 50% by age bands; painting applies 50% depreciation only on material cost, or on 25% of total painting charges in a consolidated bill.","display":"50% on rubber/nylon/plastic, tyres, tubes and batteries; 30% on fibre glass; nil on glass; other parts nil to 50% by age","note":null,"quote":"i. For all rubber / nylon / plastic parts, tyres, tubes and batteries – 50%\nii. For fibre glass components - 30%\niii. For all parts made of glass- Nil ... Not exceeding 6 months | Nil ... Exceeding 6 months 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 year but not exceeding 10 years | 40% ... 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. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation.","sources":[{"clause":"1.1.1.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-1-1-1-1"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"conflicting","value":"NCB applies on Section-1 Vehicle Own Damage Cover on renewal if no claim has been made during the expiring policy period and the policy is renewed within 90 days. For a 1-year expiring policy, the discount is 5%, 10%, 15%, 20% and 25% after one to five claim-free consecutive years; maximum NCB is 25%.","display":"5% to 25% on own-damage premium; renewal within 90 days","note":"Policy wording states maximum 25%. Prospectus text says: 'The discount can go as high as 20%' but its table also shows 25% for preceding 5 consecutive years.","quote":"The Insured is entitled for a No Claim Bonus on Section-1 Vehicle Own Damage Cover as per NCB entitlement (in %) as per details below: ... No claim made or pending during the preceding full year of | 5%\ninsurance No claim made or pending during the preceding 2 consecutive years 10% of insurance No claim made or pending during the preceding 3 consecutive years 15% of insurance No claim made or pending during the preceding 4 consecutive years 20% of insurance No claim made or pending during the preceding 5 consecutive years 25% of insurance No Claim Bonus will only be allowed on Renewal, if no claim has been made during the expiring Policy Period and the Policy is renewed within 90 days of the expiry date of the previous policy.\nNOTE:\ni) Maximum NCB that can be earned by an Insured is 25%","sources":[{"clause":"7.5","heading":"No Claim Bonus (NCB)","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-7-5"},{"clause":"7.5(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-7-5-a"},{"clause":null,"heading":"INDUSIND COMPREHENSIVE PACKAGE INSURANCE FOR LOW SPEED ELECTRIC TWO WHEELERS","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9708#c-indusind-comprehensive-package-insurance-for-low"}],"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":"A compulsory deductible of Rs 100 applies on each and every claim, including Total loss/ Constructive Total Loss, under Section 1.","display":"Rs 100 per claim","note":null,"quote":"A compulsory deductible of Rs 100 shall be applicable on each and every claim (including Total loss/ Constructive Total Loss) made under this Section.","sources":[{"clause":"1.1.1.2(v)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-1-1-1-2-v"}],"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":"The documents state a compulsory deductible but do not state a voluntary deductible chosen for a lower premium.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["OD Add-On Cover 1 – Electrical and or Electronic Fittings","OD Add-On Cover 2 – Nil Depreciation","OD Add-On Cover 3 – Consumables Cover","OD Add-On Cover 4 – Helmet Cover","OD Add-On Cover 5 – Electric Motor Protect","OD Add-On Cover 6 – Battery Cover","OD Add-On Cover 7 – EV charger cover","OD Add-On Cover 8-Return to Invoice"],"display":"Electrical/electronic fittings, nil depreciation, consumables, helmet cover, electric motor protect, battery cover, EV charger cover and return to invoice","note":null,"quote":"1.1.3 | OD Add-On Cover 1 – Electrical and or Electronic Fittings | Add On | Sum Insured for Electrical and Electronic Fittings (per the Policy Schedule) ... 1.1.4 | OD Add-On Cover 2 – Nil Depreciation | Add On | Sublimit of IDV ... 1.1.5 | OD Add-On Cover 3 – Consumables Cover | Add On | Sublimit of IDV ... 1.1.6 | OD Add-On Cover 4 – Helmet Cover | Add On | Sum Insured for the Helmet (as per the Policy Schedule) ... 1.1.7 | OD Add-On Cover 5 – Electric Motor Protect | Add On | Sublimit of IDV ... 1.1.8 | OD Add-On Cover 6 – Battery Cover | Add On | Sublimit of IDV ... 1.1.9 | OD Add-On Cover 7 – EV charger cover | Add On | Sublimit of IDV ... 1.1.10 | OD Add-On Cover 8-Return to Invoice | Add On | Calculated as per terms","sources":[{"clause":"6","heading":"Table of Covers","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-6"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"The insured is entitled to cashless repair at the Company's authorized garages that offer cashless repairs, and the policy provides a link for the list of cashless garages. Reimbursement can be filed if the insured uses a garage not covered by the Company.","display":"Cashless repair at Company’s Authorized garages","note":null,"quote":"For Accidental Claim: The Insured is entitled to avail Cashless repair at Company’s Authorized garages which tend to offer cashless repairs as a part of the insurance policy. For list of Cashless garage, refer below link https://igi-locator.appspot.com/?Search_by=garage& sourcesystem=website&phonenumber=&emailid=#/ However, Insured can file for reimbursement in case Insured opt for a garage not covered by the Company.","sources":[{"clause":"5.3","heading":"Claim Documents","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-5-3"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 for vehicle own damage is IDV. IDV is fixed at the start of each policy period based on the manufacturer's listed selling price of the brand and model at commencement of insurance or renewal, adjusted for depreciation, and treated as market value for TL/CTL claims.","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 which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and sidecar/accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... IDV shall be treated as the 'Market Value' throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":"1.1.2.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712#c-1-1-2-1"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Comprehensive Package Insurance For Low Speed Electric Two Wheelers Policy Wordings","pages":21,"fetched_at":"2026-10-17 19:47:16+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-policy-wordings","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9712"},{"kind":"prospectus","label":"IndusInd Comprehensive Package Insurance For Low Speed Electric Two Wheelers Prospectus","pages":6,"fetched_at":"2026-10-17 19:47:17+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9708"},{"kind":"cis","label":"IndusInd Comprehensive Package Insurance For Low Speed Electric Two Wheelers CIS","pages":12,"fetched_at":"2026-10-17 19:48:11+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223/document/9740"}],"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 Comprehensive Package Insurance For Low Speed Electric Two Wheelers (UIN IRDAN103RP0047V01202223), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-comprehensive-package-insurance-for-low-speed-electric-two-wheelers-irdan103rp0047v01202223"}