{"uin":"IRDAN103RPMT0004V03202425","name":"IndusInd Private Car Policy Own Damage","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425","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":"This is a standalone own damage private car policy covering loss or damage to the insured vehicle from perils such as fire, theft, flood, accidental external means and transit. The sum insured is the IDV, with optional add-ons including nil depreciation, engine protector, consumables, return to invoice, assistance, tyre and rim protection, and EV covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:46:07.761596+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":"The policy may be annual or long-term; the exact start and end dates are as specified in the policy schedule.","display":"Annual as well as long-term; exact period as specified in the schedule","note":null,"quote":"Means the period commencing from policy start date and hour and terminating on the policy end date and hour as specified in Schedule of the policy ... annual as well as Long term policy","sources":[{"clause":null,"heading":"Policy Period / Period of Insurance","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-policy-period-period-of-insurance"},{"clause":null,"heading":"Deductible","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-deductible"}],"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 occurrence of accidental loss or damage. Theft or criminal acts must also be reported immediately to the Police.","display":"Immediately upon occurrence; theft/criminal act also immediately to 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":"GENERAL CONDITIONS","page":41,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-general-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":"supporting documents at the time of claim, such as claim form, driving licence, Registration copy, Permit, Fitness, FIR, Un-traceable report, Fire brigade report, repair bills (only in case of reimbursement).","sources":[{"clause":null,"heading":"For Addon Products","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9513#c-for-addon-products"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS states appointment of surveyor within 24 hours from claim intimation, receipt of survey report within 15 days from appointment of surveyor, and settlement of claim within 7 days from receipt of survey report.","display":"Surveyor within 24 hours; survey report within 15 days; settlement within 7 days from receipt of survey report","note":null,"quote":"Appointment of Surveyor | <=24 hours from date of claim intimation ... Receipt of Survey report | <=15days from the date appointment of the Surveyor. 7 days from the date of receipt of survey report. ... Settlement of claim | 7 days from the date of receipt of survey report.","sources":[{"clause":"20(e)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9513#c-20-e-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","Any accidental loss or damage suffered whilst the driver has consumed alcohol or is under the influence of intoxicating liquor or drugs","Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area","Any claim arising out of any contractual liability","Vehicle being used otherwise than in accordance with the Limitations as to Use","Vehicle being driven by or in the charge of any person other than a Driver as stated in the Driver’s clause","Nuclear radiation, radioactive contamination and nuclear weapons material","War, invasion, act of foreign enemies, hostilities, civil war, mutiny rebellion, military or usurped power"],"display":"Main exclusions include wear and tear/breakdown, tyre-only damage, accessories theft unless vehicle stolen, drunk/drug driving, outside geographical area, contractual liability, use/driver limitations, nuclear risks and war risks","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... Damage to Tyres and Tubes unless the vehicle is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; and ... Any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured has consumed alcohol or is under the influence of intoxicating liquor or drugs. ... Any accidental loss 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 or ... 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 liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-5-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS (APPLICABLE TO ALL SECTIONS OF THE POLICY)","page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"18(a)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-18-a-2"},{"clause":"18(b)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-18-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":"The insured may first contact the company through its website, email, telephone, branch office or correspondence address. If not satisfied with the company's redressal, the insured may approach the nearest Insurance Ombudsman.","display":"First contact IndusInd General Insurance by website, email, telephone, branch/courier or correspondence address; then Insurance Ombudsman if not satisfied","note":null,"quote":"If the Insured has a grievance that the Insured wishes the Company to redress, Insured may contact the Company with the details of his grievance through:\nWebsite: | https://www.indusindinsurance.com ... Email: | services@Indusindinsurance.com ... Telephone: | 022 4890 3009 (paid) ... Post/Courier: | Any branch office, the correspondence address, during normal business hour ... If the Insured is not satisfied with the Company's redressal of the Insured’s grievance through one of the above methods, the Insured may approach the nearest Insurance Ombudsman for resolution of the grievance.","sources":[{"clause":null,"heading":"GRIEVANCE","page":44,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-grievance"}],"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 or 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, theft, riot/strike, earthquake, flood/storm perils, accidental external means, malicious act, terrorist activity, transit and 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 or 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-policy-own-damage-irdan103rpmt0004v03202425/document/9510#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":"If the insured cancels and there is no claim, 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 in which the claim occurs, with other provisions of the no-claim refund applying.","display":"Pro-rata refund if no claim; no refund for the policy year in which a claim occurs","note":null,"quote":"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 in which the claim occurs.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":41,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-general-conditions"}],"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 wording excludes loss outside the Geographical Area but does not define the base Geographical Area in the clauses provided. Assistance add-on territory and optional geographical extension endorsements are not the base territorial cover.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["standalone own damage"],"display":"Standalone own damage","note":null,"quote":"IndusInd Private Car Policy - Standalone Own Damage.","sources":[{"clause":"Row 1","heading":"Product Name","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9513#c-row-1"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"This is a standalone own-damage policy. The base policy section quoted covers loss or damage to the vehicle insured, and third-party liability is not stated as a base cover.","display":"Not a third-party liability policy; standalone own damage","note":null,"quote":"IndusInd Private Car Policy - Standalone Own Damage. ... The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon","sources":[{"clause":"Row 1","heading":"Product Name","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9513#c-row-1"},{"clause":"Section 1","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-section-1"}],"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 vehicle's Insured Declared Value is deemed to be the sum insured. For total loss or constructive total loss, the company's liability is the IDV of the vehicle including accessories as specified in the schedule for the year of loss, less the value of the wreck.","display":"IDV is the sum insured; for total loss/CTL, liability is 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 ... 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 against the year in which loss falls less the value of the wreck.","sources":[{"clause":null,"heading":"Sum Insured Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-sum-insured-declared-value-idv"},{"clause":null,"heading":"GENERAL CONDITIONS","page":41,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-general-conditions"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus discount on own damage premium is shown in a grid for annual and long-term renewals, with typical claim-free discounts progressing from 20% up to a maximum cap of 50%. Claims during the policy period can reduce the NCB as shown in the grid.","display":"NCB on own-damage premium ranges up to 50%; claim-free renewals show 20%, 25%, 35%, 45% and 50%","note":null,"quote":"No Claim Bonus, wherever applicable, will be as per the following table ... 0% | 20% | 25% | 35% ... 20% | 25% | 35% | 45% ... 25% | 35% | 45% | 50% ... Maximum capping for NCB will be 50%.","sources":[{"clause":null,"heading":"Deductible","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-deductible"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"conflicting","value":"The policy wording states compulsory deductibles of Rs. 500 for private cars not exceeding 1500 cc and Rs. 1000 for private cars exceeding 1500 cc.","display":"Policy wording: Rs. 500 for private cars not exceeding 1500 cc; Rs. 1000 for private cars exceeding 1500 cc","note":"CIS says: 'Compulsory Deductible | Below 1500cc - Rs.1000/- & Above 1500cc - Rs. 2000/- for each claim'.","quote":"Private Cars including three wheelers rated as Private Cars (Not exceeding 1500 cc) | 500/- ... Private Cars including three wheelers rated as Private Cars (Exceeding 1500 cc) | 1000/-","sources":[{"clause":null,"heading":"Deductible","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-deductible"},{"clause":"12","heading":"NCB Retention This cover protects applicable earned","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9513#c-12"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible is available only if opted by the insured; the amount is the voluntary deductible amount opted by the insured and is borne for each event under Section 1.","display":"Optional; voluntary deductible amount opted by the Insured, borne for each and every event","note":"No fixed voluntary deductible amount is printed in the wording; it is as opted and shown in the policy schedule.","quote":"It is hereby declared and agreed that the Insured having opted a voluntary deductible of ₹....................* a reduction in premium of ₹....................** under Section 1 of the Policy is hereby allowed. ... To insert voluntary deductible amount opted by the Insured under tariff for Private car / tariff for motorised two wheeler.","sources":[{"clause":null,"heading":"Endt 17. Voluntary Deductible (Erstwhile IMT. 22 A.)","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-endt-17-voluntary-deductible-erstwhile-imt-22-a"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"The CIS describes a cashless process in which the insured registers the claim, visits network garages for vehicle repair, the vehicle is surveyed and claim documents are submitted, liability is confirmed, and then the vehicle is delivered.","display":"Yes, through network garages under the cashless process","note":null,"quote":"For Cashless Process: a) Register claim by calling (022) - 4890 3009 (paid) b) Visit to our network garages for vehicle repair. c) Survey of the vehicle & submission of claim documents d) Liability confirmation e) Vehicle delivery","sources":[{"clause":null,"heading":"Sample Claim Calculation","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9513#c-sample-claim-calculation"}],"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":["Vehicle used otherwise than in accordance with the Limitations as to Use","Vehicle driven by or in charge of a person other than a Driver as stated in the Driver’s clause","Driver consumed alcohol or is under the influence of intoxicating liquor or drugs","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","Accessories theft unless the vehicle is stolen at the same time","Loss outside the Geographical Area","Contractual liability","Nuclear radiation, radioactive contamination or nuclear weapons material","War, invasion, hostilities, civil war, mutiny rebellion, military or usurped power"],"display":"Use/driver limitations, drunk or drug driving, wear and tear/breakdown, tyre-only damage, accessories theft unless vehicle stolen, outside geographical area, contractual liability, nuclear risks and war risks","note":null,"quote":"Being used otherwise than in accordance with the Limitations as to Use or ... 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 suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured has consumed alcohol or is under the influence of intoxicating liquor or drugs. ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... Damage to Tyres and Tubes unless the vehicle is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; and ... Any accidental loss 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":null,"heading":"GENERAL EXCEPTIONS (APPLICABLE TO ALL SECTIONS OF THE POLICY)","page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-general-exceptions-applicable-to-all-sections-of"},{"clause":"18(a)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-18-a-2"},{"clause":"18(b)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-18-b-2"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-5-d"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-5-c"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is the Insured Declared Value. The IDV is fixed each policy year at commencement and is based on the manufacturer's listed selling price of the brand and model, adjusted for depreciation as per the company's IDV criteria.","display":"IDV basis: manufacturer's listed selling price adjusted for depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this Policy and shall be fixed for each year of the policy at the commencement of Policy period for the Insured Vehicle. The IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the Insured vehicle at the commencement of insurance/renewal and adjusted for depreciation","sources":[{"clause":null,"heading":"Sum Insured Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510#c-sum-insured-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Private Car Policy Own Damage Policy Wording","pages":49,"fetched_at":"2026-10-17 19:38:25+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-policy-own-damage-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9510"},{"kind":"prospectus","label":"IndusInd Private Car Policy Stand Alone Own Damage Prospectus","pages":18,"fetched_at":"2026-10-17 19:38:26+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-policy-stand-alone-own-damage-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9512"},{"kind":"cis","label":"IndusInd Private Car Policy Standalone Own Damage CIS","pages":18,"fetched_at":"2026-10-17 19:38:27+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-policy-standalone-own-damage-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425/document/9513"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.indusindinsurance.com/about-us/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"IndusInd Private Car Policy Own Damage (UIN IRDAN103RPMT0004V03202425), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-policy-own-damage-irdan103rpmt0004v03202425"}