{"uin":"IRDAN103RPMT0053V02202425","name":"IndusInd Private Car Package Policy 3 Years","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Private Car Package Policy – 3 Years is a private car package policy covering own damage perils and third-party liability for a three-year term. It uses IDV as the sum insured, has compulsory deductibles of Rs.1000/- or Rs. 2000/- based on engine capacity, and offers add-ons such as Nil Depreciation, Engine Protect, Return to Invoice and Assistance Covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:45:45.557647+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe the base product and add-on covers, but do not name plan variants inside the base product.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is a three-year private car package policy; the wording also refers to a three-year policy as 1095 days.","display":"3 years (1095 days)","note":null,"quote":"INDUSIND PRIVATE CAR PACKAGE POLICY – 3 YEARS - POLICY WORDINGS ... If Policy Premium for a three-year (1095 days) policy is Rs. 1350.","sources":[{"clause":null,"heading":"INDUSIND PRIVATE CAR PACKAGE POLICY – 3 YEARS - POLICY WORDINGS","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-indusind-private-car-package-policy-3-years-poli"},{"clause":null,"heading":"5. Total Loss/ CTL/ Theft","page":44,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-total-loss-ctl-theft"}],"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 on any accidental loss or damage. Theft or criminal acts must also be reported immediately to the Police.","display":"Immediately upon the occurrence of accidental loss or damage; theft/criminal act also immediately to the Police","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police","sources":[{"clause":"18","heading":null,"page":44,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-18"}],"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, repair bills for reimbursement","note":null,"quote":"The policyholder must provide supporting documents at the time of claim, such as claim form, driving licence, Registration copy, Permit, Fitness, FIR, Un-traceable report ,Fire brigade report, repair bills (only in case of reimbursement).","sources":[{"clause":"20","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516#c-20"}],"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 appointed within 24 hours from claim intimation, claim approval is 7 days from receipt of the survey report, and settlement is 15 days from receipt of the surveyor report and/or the last relevant and necessary document.","display":"Settlement of claim: 15 days from surveyor report and/or last relevant and necessary document","note":null,"quote":"Appointment of Surveyor | <=24 hours from date of claim intimation ... Claims Approval | 7days from the date of receipt of survey report. ... Settlement of claim | 15 days from the date of receipt of Surveyor report and/or last relevant and necessary document","sources":[{"clause":"20(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516#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 Insured or any person driving the vehicle ... 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","Being driven by ... any person other than a Driver as stated in the Driver’s clause","Any liability ... arising from ionising radiations or contamination by radioactivity","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Consequential loss/wear and tear/breakdown; tyre and accessory-only losses; drunk driving; outside geographical area; contractual liability; use or driver outside policy limits; nuclear/radioactivity; war","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 ... 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. ... ionising radiations or contamination by radioactivity ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-d"},{"clause":"18(c)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-18-c"},{"clause":"18(a)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-18-a-2"},{"clause":"18(b)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#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":"First contact the branch office, call 022 4890 3009, or email services@Indusindinsurance.com. If not satisfied, contact the Nodal Grievance Officer, then the Head Grievance Officer, and then the Insurance Ombudsman if unresolved within 30 days.","display":"Branch/call 022 4890 3009/services@Indusindinsurance.com, then Nodal Grievance Officer, then Head Grievance Officer, then Ombudsman after 30 days","note":null,"quote":"For resolution of any complaint or grievance, Insured may contact the respective branch office of the Company or may call at 022 4890 3009 (paid) or may write an email at services@Indusindinsurance.com. In case the insured is not satisfied with the response of the office, insured may contact the Nodal Grievance Officer of the Company at Grievances@indusindinsurance.com. In the event of unsatisfactory response from the Nodal Grievance Officer, insured may email to Head Grievance Officer at HeadGrievances@indusindinsurance.com. In the event of unsatisfactory response from the Head Grievance Officer or the complaint is not resolved within 30 days, the insured may, subject to vested jurisdiction, approach the Insurance Ombudsman","sources":[{"clause":null,"heading":"Grievance","page":47,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#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/explosion/self ignition/lightning; burglary/housebreaking/theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide/rockslide","note":null,"quote":"I) By fire explosion self ignition or lightning; II) By burglary housebreaking or theft; III) By riot and strike; IV) By earthquake (fire and shock damage); V) By flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm or frost; VI) By accidental external means; VII) By malicious act; VIII) By terrorist activity; IX) Whilst in transit by road, rail, inland-waterway, lift, elevator or air; X) By landslide rockslide.","sources":[{"clause":"Section 1","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#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 has been no claim, the refund is on a pro-rata basis. If any claim has been admitted or lodged, there is no refund for the policy year in which the claim occurs, with remaining-year refund calculated as shown in the policy.","display":"No-claim cancellation: pro-rata refund; if a claim is admitted or lodged, no refund for the policy year of claim","note":"Motor third-party insurance cannot be cancelled except for double insurance or vehicle not in use because of Total Loss or Constructive Total Loss.","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":"5. Total Loss/ CTL/ Theft","page":44,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-total-loss-ctl-theft"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The base policy wording excludes losses outside the Geographical Area and provides an optional extension endorsement, but does not print the base geographical area itself.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Private Car Package Policy"],"display":"Private Car Package Policy covering own damage and third-party liability","note":"The wording describes Section 1 own damage and Section 2 third-party liability; it does not use the word comprehensive.","quote":"INDUSIND PRIVATE CAR PACKAGE POLICY – 3 YEARS - POLICY WORDINGS ... Section 1 LOSS OF OR DAMAGE TO THE VEHICLE INSURED ... Section 2 LIABILITY TO THIRD PARTIES","sources":[{"clause":null,"heading":"INDUSIND PRIVATE CAR PACKAGE POLICY – 3 YEARS - POLICY WORDINGS","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-indusind-private-car-package-policy-3-years-poli"},{"clause":"Section 1","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-section-1"},{"clause":"Section 2","heading":"LIABILITY TO THIRD PARTIES","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-section-2"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability from use of the insured vehicle for death or bodily injury to any person including occupants not carried for hire or reward, and for damage to property other than property belonging to or held by the insured.","display":"Covers legal liability for death/bodily injury to any person, including occupants not for hire or reward, and third-party property damage","note":"The wording says liability is subject to the limits of liability in the Schedule; it does not print an unlimited death or injury limit.","quote":"the Company will indemnify the Insured in the event of an accident caused by or arising out of the use of the Insured vehicle against all sums which the Insured shall become legally liable to pay in respect of (A) Death of or bodily injury to any person including occupants carried in the Insured vehicle (provided such occupants are not carried for hire or reward) ... (B) Damage to property other than property belonging to the Insured or held in trust or in the custody or control of the Insured","sources":[{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-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 Insured Declared Value is deemed to be the sum insured and is fixed for each policy year at the start of the policy period. It is based on the manufacturer’s listed selling price for the make/model variant, adjusted for depreciation; for total loss or constructive total loss claims, liability is the IDV for the year of loss less wreck value.","display":"IDV is the sum insured, fixed each year from manufacturer’s listed selling price adjusted for depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this Policy and shall be fixed for each year of the policy at the commencement of Policy period for the Insured vehicle. ... 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":"Insured Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-insured-declared-value-idv"},{"clause":"18","heading":null,"page":44,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-18"}],"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 partial loss claims, depreciation is 50% for rubber/nylon/plastic parts, tyres, tubes and batteries; 30% for fibre glass components; nil for glass; other parts follow an age scale from nil up to 50%; painting has 50% depreciation on material cost only.","display":"50% rubber/nylon/plastic, tyres, tubes and batteries; 30% fibre glass; Nil glass; other parts age-based up to 50%; painting 50% on material cost","note":"Nil depreciation add-on, if opted, can change depreciation treatment for approved partial loss claims.","quote":"For all rubber/ nylon/ plastic parts, tyres, tubes and batteries | 50% ... For fibre glass components | 30% ... For all parts made of glass | Nil ... Not exceeding 6 months | Nil ... Exceeding 10 years | 50% ... Rate of Depreciation for painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"Section 1","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-section-1"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-4"},{"clause":"5","heading":"Rate of Depreciation for painting","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus is a discount on Own Damage premium. For the 3-year policy table, no claim gives 35% when inception NCB is 0%, 45% when inception NCB is 20%, and 50% when inception NCB is 25% or more; 1 claim gives 25%, 2 claims gives 20%, and 3 or more claims gives 0%, with maximum capping at 50%.","display":"Own Damage premium discount up to 50%; for 3-year policy no-claim: 35%, 45% or 50% depending inception NCB","note":null,"quote":"No Claim Bonus, wherever applicable, will be as per the following table ... No claim bonus discount | % of Discount on Own Damage premium ... No claim | 0% | 35% ... No claim | 20% | 45% ... 25% & More | 50% ... 1 claim | NA | 25% ... 2 claims | NA | 20% ... >=3 claims | NA | 0% ... 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-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#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":"quote-verified","value":"For Section 1 own damage, the compulsory deductible is Rs.1000/- for private cars not exceeding 1500cc and Rs.2000/- for private cars exceeding 1500cc.","display":"Rs.1000/- up to 1500cc; Rs.2000/- above 1500cc","note":null,"quote":"Private Cars including three wheelers rated as Private Cars (Not exceeding 1500cc) | 1000/- ... Private Cars including three wheelers rated as Private Cars (Exceeding 1500 cc) | 2000/-","sources":[{"clause":null,"heading":"Deductible","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-deductible"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible can be opted for under Section 1; in return for a premium reduction, the insured bears the first opted deductible amount for each event.","display":"Optional voluntary deductible; insured bears the first opted amount for each event","note":"The amount is inserted in the policy schedule or endorsement.","quote":"the Insured having opted a voluntary deductible of `...................* a reduction in premium of ` ....................** under Section 1 of the Policy is hereby allowed. ... the Insured shall bear under Section 1 of the policy in respect of each and every event","sources":[{"clause":null,"heading":"ENDT 19. Voluntary Deductible (Erstwhile IMT.22.A.)","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-endt-19-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":"quote-verified","value":"The policy pays compensation for bodily injury or death of the owner-driver in direct connection with the insured vehicle, with total liability not exceeding Rs. 15 lakh during any one period of insurance. The owner-driver must be the registered owner, the insured named in the policy, and hold an effective driving licence.","display":"Owner-driver PA cover up to Rs. 15 lakh, subject to registered owner/named insured/effective driving licence conditions","note":null,"quote":"the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the Owner-Driver ... the total liability of the Company shall not in the aggregate exceed the sum of Rs. 15 lakh during any one period of insurance. ... The Owner-Driver is the registered owner of the vehicle Insured herein; ... The Owner-Driver is the Insured named in this Policy. ... The Owner-Driver holds an effective driving license","sources":[{"clause":"Section 3","heading":"PERSONAL ACCIDENT COVER FOR OWNER DRIVER","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-section-3"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Nil depreciation","Consumables Expenses","Engine Protect","Return to Invoice","Assistance Covers","EMI Protect Cover","Electric Vehicle Battery Protection Cover","Electric Motor Protect Cover","Electric Vehicle Charger Cover","Daily Allowance Benefit Plus","Hospital Cash Cover","Voluntary Deductible","No Claim Bonus Retention Cover","Tyre Protector","Rim Protector","Loss of Personal Belongings","Key Protect","Replacement Car"],"display":"Nil depreciation; Consumables Expenses; Engine Protect; Return to Invoice; Assistance Covers; EMI Protect Cover; EV Battery, Motor and Charger covers; Daily Allowance Benefit Plus; Hospital Cash; Voluntary Deductible; NCB Retention; Tyre Protector; Rim Protector; Loss of Personal Belongings; Key Protect; Replacement Car","note":null,"quote":"Nil depreciation | IRDAN103RPMT0053V02202425/A0054V02202425 ... Consumables Expenses | IRDAN103RPMT0053V02202425/A0048V02202425 ... Engine Protect | IRDAN103RPMT0053V02202425/A0051V02202425 ... Return to Invoice | IRDAN103RPMT0053V02202425/A0065V01202425 ... Assistance Covers | IRDAN103RPMT0053V02202425/A0061V01202425 ... EMI Protect Cover | IRDAN103RPMT0053V02202425/A0009V03202526 ... Electric Vehicle Battery Protection Cover | IRDAN103RPMT0053V02202425/A0063V01202425 ... Electric Motor Protect Cover | IRDAN103RPMT0053V02202425/A0062V01202425 ... Electric Vehicle Charger Cover | IRDAN103RPMT0053V02202425/A0064V01202425 ... Daily Allowance Benefit Plus | IRDAN103RPMT0053V02202425/A0013V03202526 ... Hospital Cash Cover | IRDAN103RPMT0053V02202425/A0060V01202425 ... Voluntary Deductible | IRDAN103RPMT0053V02202425/A0056V02202425 ... No Claim Bonus Retention Cover | IRDAN103RPMT0053V02202425/A0053V02202425 ... Tyre Protector | IRDAN103RPMT0053V02202425/A0057V01202425 ... Rim Protector | IRDAN103RPMT0053V02202425/A0058V01202425 ... Loss of Personal Belongings | IRDAN103RPMT0053V02202425/A0059V01202425 ... Key Protect | IRDAN103RPMT0053V02202425/A0052V02202425 ... Replacement Car | IRDAN103RPMT0053V02202425/A0055V02202425","sources":[{"clause":"Annexure B","heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516#c-annexure-b-2"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repair process is available through network garages: register the claim, visit network garages for vehicle repair, have survey and documents submitted, receive liability confirmation, and take vehicle delivery.","display":"Yes, through network garages for vehicle repair","note":null,"quote":"For Cashless Process: ... Register claim by calling (022)-48903009(paid) ... Visit to our network garages for vehicle repair. ... Survey of the vehicle & submission of claim documents ... Liability confirmation ... Vehicle delivery","sources":[{"clause":null,"heading":"Processing","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516#c-processing"},{"clause":"20(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516#c-20-a-3"},{"clause":"20(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516#c-20-b-2"},{"clause":"20(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516#c-20-c-2"},{"clause":"20(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516#c-20-d-2"},{"clause":"20(e)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516#c-20-e-2"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","driving ... has consumed alcohol or is under the influence of intoxicating liquor or drugs","outside the Geographical Area","contractual liability","Being used otherwise than in accordance with the Limitations as to Use","person other than a Driver as stated in the Driver’s clause","ionising radiations or contamination by radioactivity","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/breakdown; tyres-only/accessories-only losses; drunk driving; outside geographical area; contractual liability; use or driver not permitted; nuclear/radioactivity; war","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 ... driving the vehicle with the knowledge and consent of the Insured has consumed alcohol or is under the influence of intoxicating liquor or drugs. ... outside the Geographical Area. ... contractual liability. ... Being used otherwise than in accordance with the Limitations as to Use or ... person other than a Driver as stated in the Driver’s clause. ... ionising radiations or contamination by radioactivity ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-5-d"},{"clause":"18(c)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-18-c"},{"clause":"18(a)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-18-a-2"},{"clause":"18(b)","heading":null,"page":46,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-18-b-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is on an IDV basis: the vehicle’s IDV is deemed to be the sum insured and is fixed each year at commencement of the policy period based on the manufacturer’s listed selling price adjusted for depreciation.","display":"IDV basis, fixed yearly from manufacturer’s listed selling price adjusted for depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this Policy and shall be fixed for each year of the policy at the commencement of Policy period for the Insured vehicle. The IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the make and model variant of the Insured vehicle at the commencement of insurance/renewal and adjusted for depreciation","sources":[{"clause":null,"heading":"Insured Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517#c-insured-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Private Car Package Policy Wording 3 Years","pages":49,"fetched_at":"2026-10-17 19:38:33+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-package-policy-wording-3-years","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9517"},{"kind":"prospectus","label":"IndusInd Private Car Package Policy 3 Years Prospectus","pages":14,"fetched_at":"2026-10-17 19:38:34+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-package-policy-3-years-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9515"},{"kind":"cis","label":"IndusInd Private Car Package Policy 3Years","pages":16,"fetched_at":"2026-10-17 19:38:35+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-package-policy-3years","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9516"},{"kind":"brochure","label":"IndusInd Private Car Package Policy 3 Years Brochure","pages":8,"fetched_at":"2026-10-17 19:38:08+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-private-car-package-policy-3-years-brochure","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425/document/9502"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.indusindinsurance.com/about-us/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"IndusInd Private Car Package Policy 3 Years (UIN IRDAN103RPMT0053V02202425), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-private-car-package-policy-3-years-irdan103rpmt0053v02202425"}