{"uin":"IRDAN103RPMT0055V02202425","name":"Motor Extended Warranty Insurance Private Car","url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"motor-addon","category_name":"Motor add-ons","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a motor extended warranty and protection policy for private cars covering ICE, hybrid and EV vehicles. It covers selected repair or replacement costs for electrical, mechanical or electronic breakdown due to manufacturing defects, with optional consumables, daily allowance and assistance covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:47:20.592109+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":"quote-verified","value":["ICE Part-wise Covers","Hybrid Electric Vehicle (HEV) Part-wise Covers","EV Part-wise Covers"],"display":"ICE, Hybrid Electric Vehicle (HEV) and EV part-wise cover variants","note":"These are vehicle/part-wise cover variants shown in the coverage summary, not separately named plans.","quote":"ICE Part-wise Covers:\n1 | Powertrain\n1 Powertrain\n2 | Steering, Suspension & Braking System ... Hybrid Electric Vehicle (HEV) Part-wise Covers:\n1 | Powertrain & Cooling system\n1 Powertrain & Cooling system ... EV Part-wise Covers:\n1 | Powertrain & Motor Cooling system\n1 Powertrain & Motor Cooling system","sources":[{"clause":"3.1","heading":"Extended Warranty","page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-3-1-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The fixed policy term is not printed. The wording defines the period by Risk Start Date, Risk End Date and Maximum Total Covered Distance as specified in the Policy Schedule.","quote":null,"sources":[],"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":"Notify the company in writing within 72 hours of the loss.","display":"Within 72 hours of the loss","note":null,"quote":"On the occurrence of any loss, within the scope of cover under the Policy the Insured shall:\n1. Notify the Company, in writing, within 72 hours of the loss.","sources":[{"clause":"9","heading":"Duties of the Insured on occurrence of loss","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-9-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form","Registration copy","Permit","Fitness","repair bills (only in case of reimbursement)","original document indicating the purchase/invoice price of insured asset","in case the asset is second hand purchase the documents for transfer of ownership","NOC from financer company, if hypothecated.","Any other document as maybe appropriately applicable."],"display":"Claim form, registration copy, permit, fitness, repair bills, purchase/invoice document, transfer documents for second hand purchase, NOC from financer if hypothecated, and any other applicable document","note":"The detailed document list is in the Customer Information Sheet.","quote":"4) The policyholder must provide supporting documents at the time of claim, such as ... a) Claim form, ... b) Registration copy, ... c) Permit, ... d) Fitness, ... e) repair bills (only in case of reimbursement), ... f) original document indicating the purchase/invoice price of insured asset, ... g) in case the asset is second hand purchase the documents for transfer of ownership, ... h) NOC from financer company, if hypothecated. ... i) Any other document as maybe appropriately applicable.","sources":[{"clause":null,"heading":"Add-on Covers","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-add-on-covers"},{"clause":"64(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-64-a-3"},{"clause":"64(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-64-b-2"},{"clause":"64(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-64-c-2"},{"clause":"64(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-64-d-2"},{"clause":"64(e)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-64-e-2"},{"clause":"64(f)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-64-f"},{"clause":"64(g)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-64-g"},{"clause":"64(h)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-64-h"},{"clause":"64(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543#c-64-i"}],"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":"conflicting","value":"The policy wording promises settlement within 30 days from the date of necessary documents required for processing the claim. If rejected, the rejection is to be within 30 days of the survey report or additional survey report.","display":"30 days from necessary documents; rejection within 30 days of survey report","note":"CIS says: 'Settlement of claim | 7 days from the date of receipt of survey report.'","quote":"The Company shall settle the claim under the Policy within 30 days from the date of necessary documents required for processing the claim. If the Company decides to reject a claim under the Policy, the Company shall do so within a period of 30 days of the survey report or the additional survey report","sources":[{"clause":"19","heading":"Claim settlement","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-19-2"},{"clause":null,"heading":"Sample Claim Calculation","page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9549#c-sample-claim-calculation"}],"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":["Any Loss which would not have been covered under the original Manufacturer’s Warranty.","Any parts to the extent that they are under Manufacturer’s Warranty or warranty from the original supplier to the Manufacturer or any other warranty at the time of Breakdown.","Any Deductible as specified in the Policy Schedule.","Claim arising within Time Deductible as specified in the Policy Schedule.","Any willful act, neglect, and or negligence by the Insured or any person in charge of Insured vehicle on behalf of the Insured.","Non-adherence of servicing and maintenance guidelines as instructed by the Manufacturer in the warranty booklet and or user manual","Normal wear and tear of the parts, gradual deterioration, vibrations, oil seepage or any other gradually operating cause","Failure caused by usage of the Insured Vehicle in competitions, racing, rallying, motor sports, pace-making, speed testing and or reliability trials, transportation of goods and or for hire as taxi or driving school or any other commercial use","Insured Vehicle being driven by any person not holding a license to drive the Insured Vehicle.","Pre-Existing defect or failure: Any repairs and or loss on account of Mechanical, Electronic, and or Electrical failure existing before the commencement of Period of Insurance.","Unauthorized repair: Any failure due to unauthorized repairs, improper handling","Damage Covered by Comprehensive Motor Insurance: Damage caused by self-ignition, fire, theft, attempted theft, lightning, flood, ingress of moisture and or other risk which could be covered by comprehensive motor insurance.","Geographical limits: Any repairs performed outside the geographical limits of India"],"display":"Main exclusions include loss not covered by manufacturer warranty, manufacturer/OEM warranty items, deductibles, time deductible, wilful act or negligence, non-adherence to service guidelines, wear and tear, racing/commercial use, no valid licence, pre-existing defects, unauthorized repair, comprehensive motor insurance risks, and repairs outside India.","note":null,"quote":"Not Covered under Manufacturer’s Warranty: Any Loss which would not have been covered under the original Manufacturer’s Warranty. ... Any parts to the extent that they are under Manufacturer’s Warranty or warranty from the original supplier to the Manufacturer or any other warranty at the time of Breakdown. ... Deductible: Any Deductible as specified in the Policy Schedule. ... Time Deductible: Claim arising within Time Deductible as specified in the Policy Schedule. ... Any willful act, neglect, and or negligence by the Insured or any person in charge of Insured vehicle on behalf of the Insured. ... Non-adherence of servicing and maintenance guidelines as instructed by the Manufacturer in the warranty booklet and or user manual ... Normal wear and tear of the parts, gradual deterioration, vibrations, oil seepage or any other gradually operating cause ... Failure caused by usage of the Insured Vehicle in competitions, racing, rallying, motor sports, pace-making, speed testing and or reliability trials, transportation of goods and or for hire as taxi or driving school or any other commercial use ... Insured Vehicle being driven by any person not holding a license to drive the Insured Vehicle. ... Pre-Existing defect or failure: Any repairs and or loss on account of Mechanical, Electronic, and or Electrical failure existing before the commencement of Period of Insurance. ... Unauthorized repair: Any failure due to unauthorized repairs, improper handling ... Damage Covered by Comprehensive Motor Insurance: Damage caused by self-ignition, fire, theft, attempted theft, lightning, flood, ingress of moisture and or other risk which could be covered by comprehensive motor insurance. ... Geographical limits: Any repairs performed outside the geographical limits of India","sources":[{"clause":"1","heading":"Not Covered under Manufacturer’s Warranty","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-1"},{"clause":"2","heading":"Loss covered by the OEM","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-2"},{"clause":"3","heading":"Deductible","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-3"},{"clause":"4","heading":"Time Deductible","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-4"},{"clause":"5","heading":"Break down/Impairment/ Seizure due to","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-5"},{"clause":"5(c)(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-5-c-i"},{"clause":"5(c)(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-5-c-iii"},{"clause":"19","heading":"Pre-Existing defect or failure","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-19"},{"clause":"23","heading":"Unauthorized repair","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-23"},{"clause":"24","heading":"Damage Covered by Comprehensive Motor Insurance","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-24"},{"clause":"45","heading":"Geographical limits: Any repairs performed outside the geographical limits of India","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-45"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the respective branch office, call 022-48903990 or email services@indusindinsurance.com. If unsatisfied, contact the Nodal Grievance Officer at grievances@indusindinsurance.com, then the Head Grievance Officer at Headgrievances@indusindinsurance.com before approaching the Insurance Ombudsman.","display":"Branch / 022-48903990 / services@indusindinsurance.com, then Nodal Grievance Officer, then Head Grievance Officer","note":null,"quote":"For resolution of any query or grievance, Insured maycontact the respective branch office of the Company or may call at 022- 48903990 or may write an email at services@indusindinsurance.com. In case the Insured is not satisfied with the response of the office, Insured may contact the Nodal Grievance Officer of the Company at grievances@indusindinsurance.com. In the event of unsatisfactory response from the Nodal Grievance Officer, Insured may email to Head Grievance Officer at Headgrievances@indusindinsurance.com.","sources":[{"clause":null,"heading":"30 Grievance Redressal Procedure","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-30-grievance-redressal-procedure"}],"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":["sudden and unforeseen failure of Insured Vehicle caused by an Electrical, Mechanical or Electronic Breakdown","Electrical, Mechanical or Electronic Breakdown occurring directly in connection with the Enhancement(s)","Unexpected Power Surge while charging the lithium-ion battery","Mechanical shock to the lithium-ion Battery or Battery Management System (BMS)","Water ingress or moisture buildup within the lithium-ion battery or the BMS, due to submergence in water following a flood and or inundation","Spontaneous, unexplained, and uncontrolled exothermic electrochemical reactions","Screen Damage of the Insured Vehicle, due solely and directly to any external, involuntary and unforeseeable cause"],"display":"Electrical, mechanical or electronic breakdown from manufacturing defects; enhancement-related breakdown; EV battery power surge, mechanical shock, water ingress after flood/inundation, spontaneous exothermic reactions; EV screen damage due external, involuntary and unforeseeable cause","note":"Cover is only to the extent of covers opted and limits specified in the Policy Schedule.","quote":"sudden and unforeseen failure of Insured Vehicle caused by an Electrical, Mechanical or Electronic Breakdown under normal operating condition of the Insured Vehicle ... Electrical, Mechanical or Electronic Breakdown occurring directly in connection with the Enhancement(s) made to the Insured Vehicle ... i) Unexpected Power Surge while charging the lithium-ion battery\nii) Mechanical shock to the lithium-ion Battery or Battery Management System (BMS)\niii) Water ingress or moisture buildup within the lithium-ion battery or the BMS, due to submergence in water following a flood and or inundation\niv) Spontaneous, unexplained, and uncontrolled exothermic electrochemical reactions ... In the event of Screen Damage of the Insured Vehicle, due solely and directly to any external, involuntary and unforeseeable cause","sources":[{"clause":"3.1","heading":"Extended Warranty","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-3-1"},{"clause":"3.2","heading":"Enhancement Cover","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-3-2"},{"clause":"3.3","heading":"EV Battery Protection Cover","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-3-3"},{"clause":"3.4(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-3-4-i"}],"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, the company cancels from the date of receipt of notice and retains premium for the period the policy has been in force if no claim has been admitted. With no claim, refund is on a pro-rata basis; if a claim is admitted or lodged, there is no refund for the policy year in which the claim occurs.","display":"Pro-rata refund if no admitted claim; no refund for the policy year in which a claim is admitted or lodged","note":null,"quote":"The Insured may also give notice in writing, to the Company, for the cancellation of this Policy, including for reasons of Theft, Total Loss or Constructive Total Loss. In such case the Company shall cancel the Policy from the date of receipt of such notice and retain the premium for the period this Policy has been in force, provided there is no claim admitted under the Policy during the Period of Insurance. No refund shall be payable for the Policy Year in which a claim has been admitted under the Policy.\n1. In case of no claim in the policy 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":"15","heading":"Cancellation or termination","page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-15-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy applies to losses incurred or claims made in India, unless otherwise stated in the Policy Schedule.","display":"India, unless otherwise stated in the Policy Schedule","note":"For Assistance Cover, services are separately limited to motorable roads within India.","quote":"Where legally permissible by the law of this Policy and the jurisdiction in which the payment is to be made and subject to all the terms and conditions of this Policy, this Policy shall apply to any Loss incurred or Claims made in India, unless otherwise stated in the Policy Schedule.","sources":[{"clause":"24","heading":"Territorial Scope","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-24-2"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"not-applicable","value":null,"display":null,"note":"This is an extended warranty and protection product, not a standard motor comprehensive, standalone own-damage or third-party motor policy.","quote":null,"sources":[],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"No third-party liability cover is provided under this extended warranty policy; third parties do not get enforceable rights under the policy and legal liability is excluded.","display":"No third-party liability cover","note":null,"quote":"Notwithstanding what is stated in any Law, this Policy is not intended to confer any rights or benefits on and or enforceable by any Third Party other than the Insured and accordingly no Third Party shall acquire any rights in relation to or under this Policy nor can enforce any benefits or Claim under term of this contract against the Insured. ... Consequential Loss: Compensation for loss of use and or any consequential loss and or legal liability of any kind whatsoever.","sources":[{"clause":"22","heading":"Third Parties","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-22-2"},{"clause":"27","heading":"Consequential Loss","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-27"}],"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":"No IDV amount is printed in the wording. The policy uses the Sum Insured in the Policy Schedule, and maximum liability is capped at the original purchase price subject to depreciation or the fair market value immediately before the insured event, whichever is lesser.","display":"No IDV amount; Sum Insured in schedule and liability capped at original purchase price after depreciation or fair market value, whichever is lesser","note":"This extended warranty policy does not print a fixed IDV amount; it refers to the Policy Schedule.","quote":"Sum Insured means the maximum amount of cover available as specifically stated in the Policy Schedule which represents the Company’s total and absolute liability for any or all Claims payable to the Insured during the Period of Insurance. ... The Company’s maximum liability arising out of any claim and in aggregate of all claims in respect of an Insured Vehicle under this Policy during the Period of Insurance shall not exceed the original purchase price of the Insured Vehicle subject to Depreciation, or the Fair Market Value of the Insured Vehicle on the date immediately preceding the Insured Event, whichever is lesser","sources":[{"clause":"1.51","heading":"Sum Insured","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-1-51"},{"clause":"Section 7","heading":"LIMIT OF LIABILITY","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-section-7"}],"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":"The wording says depreciation applies as per the scale in the Policy Schedule, but the actual depreciation rates are not printed in the provided documents.","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 is a 5% discount on renewal premium if the expiring policy has been claim-free in the immediately preceding 12 months before renewal. If a claim for that period is admitted after renewal, the bonus is withdrawn and the proposer must pay the equivalent premium, failing which the policy is void.","display":"5% renewal premium discount for claim-free immediately preceding 12 months","note":null,"quote":"No Claim Bonus, shall be applicable as a discount of 5% on the renewal premium provided the expiring policy has been claim\n- free in the immediately preceding 12 months before renewal. In case a claim is intimated for such period after the renewal of the policy and the claim is admitted by the Company, then the No Claim Bonus shall stand withdrawn","sources":[{"clause":"Section 5","heading":"NO CLAIM BONUS","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-section-5"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The CIS shows 'Compulsory Deductible Rs.................... (as per Policy Schedule)' and the wording refers to the schedule, but no fixed amount is printed.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-stated","value":null,"display":null,"note":"The policy defines a Deductible or Excess and says the amount is as mentioned in the schedule, but it does not state a voluntary deductible chosen for lower premium.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-applicable","value":null,"display":null,"note":"This extended warranty policy is not a standard motor package or liability policy with compulsory personal accident cover for owner-driver.","quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Consumable Expenses","Daily Allowance Benefit Plus","Assistance Cover"],"display":"Consumable Expenses, Daily Allowance Benefit Plus and Assistance Cover","note":null,"quote":"The covers listed below are optional covers and are available to the Insured, on payment of additional premium. ... 4.1 Consumable Expenses (Not Applicable to Section – II Accidental Damage Covers) ... 4.2 Daily Allowance Benefit Plus ... 4.3 Assistance Cover","sources":[{"clause":"Section 4","heading":"ADD ON COVERS","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-section-4"},{"clause":"4.1","heading":"Consumable Expenses (Not Applicable to Section – II Accidental Damage Covers)","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-4-1"},{"clause":"4.2","heading":"Daily Allowance Benefit Plus","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-4-2"},{"clause":"4.3","heading":"Assistance Cover","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-4-3"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":"The policy refers to Authorized Workshop/garage and repair authorization or reimbursement, but it does not state that repairs can be cashless at network garages.","quote":null,"sources":[],"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":["Insured Vehicle being driven by any person not holding a license to drive the Insured Vehicle.","Failure caused by usage of the Insured Vehicle in competitions, racing, rallying, motor sports, pace-making, speed testing and or reliability trials, transportation of goods and or for hire as taxi or driving school or any other commercial use","Normal wear and tear of the parts, gradual deterioration, vibrations, oil seepage or any other gradually operating cause","Service or maintenance conducted by any repair center not authorized by the Manufacturer.","Unauthorized repair: Any failure due to unauthorized repairs, improper handling","Any loss to ‘Parts not covered’ as specified in the Policy Schedule","Accidental Damage: Any damage caused due to an Accident.","Damage Covered by Comprehensive Motor Insurance: Damage caused by self-ignition, fire, theft, attempted theft, lightning, flood, ingress of moisture and or other risk which could be covered by comprehensive motor insurance.","Pre-Existing defect or failure: Any repairs and or loss on account of Mechanical, Electronic, and or Electrical failure existing before the commencement of Period of Insurance.","Breach of Law: Any Insured committing or attempting to commit a breach of law with criminal intent.","Geographical limits: Any repairs performed outside the geographical limits of India","Let Out Asset: Any loss or damage to any Insured Vehicle let out for rental or hire purposes, unless expressly stated as covered in the Policy Schedule."],"display":"No licence, racing or commercial use unless agreed, wear and tear, unauthorized service or repair, parts not covered, accident damage, comprehensive motor risks, pre-existing defects, breach of law, repairs outside India and rental/hire use unless covered","note":"Drunk driving is not printed as an exclusion in the provided clauses.","quote":"Insured Vehicle being driven by any person not holding a license to drive the Insured Vehicle. ... Failure caused by usage of the Insured Vehicle in competitions, racing, rallying, motor sports, pace-making, speed testing and or reliability trials, transportation of goods and or for hire as taxi or driving school or any other commercial use ... Normal wear and tear of the parts, gradual deterioration, vibrations, oil seepage or any other gradually operating cause ... ii) Service or maintenance conducted by any repair center not authorized by the Manufacturer. ... Unauthorized repair: Any failure due to unauthorized repairs, improper handling ... Any loss to ‘Parts not covered’ as specified in the Policy Schedule ... Accidental Damage: Any damage caused due to an Accident. ... Damage Covered by Comprehensive Motor Insurance: Damage caused by self-ignition, fire, theft, attempted theft, lightning, flood, ingress of moisture and or other risk which could be covered by comprehensive motor insurance. ... Pre-Existing defect or failure: Any repairs and or loss on account of Mechanical, Electronic, and or Electrical failure existing before the commencement of Period of Insurance. ... Breach of Law: Any Insured committing or attempting to commit a breach of law with criminal intent. ... Geographical limits: Any repairs performed outside the geographical limits of India ... Let Out Asset: Any loss or damage to any Insured Vehicle let out for rental or hire purposes, unless expressly stated as covered in the Policy Schedule.","sources":[{"clause":"5(c)(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-5-c-iii"},{"clause":"5(c)(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-5-c-ii"},{"clause":"23","heading":"Unauthorized repair","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-23"},{"clause":"11","heading":"Accidental Damage","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-11"},{"clause":"24","heading":"Damage Covered by Comprehensive Motor Insurance","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-24"},{"clause":"19","heading":"Pre-Existing defect or failure","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-19"},{"clause":"40","heading":"Breach of Law","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-40"},{"clause":"45","heading":"Geographical limits: Any repairs performed outside the geographical limits of India","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-45"},{"clause":"48","heading":"Let Out Asset","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-48"}],"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":"Sum Insured is the maximum cover stated in the Policy Schedule. For comprehensive coverage it must not exceed the original purchase price, ex-showroom for a new vehicle; for part-wise coverage it is agreed with the company. Overall liability is capped at the original purchase price subject to depreciation or fair market value immediately before the insured event, whichever is lesser.","display":"Sum Insured in schedule; comprehensive cover not above original purchase price; part-wise cover as agreed; liability capped at depreciated original purchase price or fair market value, whichever is lesser","note":null,"quote":"Sum Insured means the maximum amount of cover available as specifically stated in the Policy Schedule which represents the Company’s total and absolute liability for any or all Claims payable to the Insured during the Period of Insurance. ... In case of Comprehensive Coverage, the Sum Insured shall not exceed the original purchase price (ex-showroom for New Vehicle) of the Insured Vehicle. In case of Part-wise Coverage, the Sum Insured for each part shall be as agreed with the Company. ... The Company’s maximum liability arising out of any claim and in aggregate of all claims in respect of an Insured Vehicle under this Policy during the Period of Insurance shall not exceed the original purchase price of the Insured Vehicle subject to Depreciation, or the Fair Market Value of the Insured Vehicle on the date immediately preceding the Insured Event, whichever is lesser","sources":[{"clause":"1.51","heading":"Sum Insured","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-1-51"},{"clause":"Section 7","heading":"LIMIT OF LIABILITY","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544#c-section-7"}],"law":[]},{"key":"addon_cover","label":"What the add-on pays","section":"Cover","meaning":"What this add-on adds to the base motor policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"addon_limits","label":"Limits on the add-on","section":"Limits and co-pay","meaning":"Number of claims per year, vehicle age limits and other caps.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Motor Extended Waranty Insurance Policy Wordings","pages":35,"fetched_at":"2026-10-17 19:39:17+00","source_url":"https://www.indusindinsurance.com/downloads/motor-extended-waranty-insurance-policy-wordings","url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9544"},{"kind":"prospectus","label":"Prospectus For Motor Extended Warranty Policy Private Car","pages":23,"fetched_at":"2026-10-17 19:39:18+00","source_url":"https://www.indusindinsurance.com/downloads/prospectus-for-motor-extended-warranty-policy-private-car","url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9547"},{"kind":"cis","label":"Motor Extended Warranty Insurance Private Car","pages":17,"fetched_at":"2026-10-17 19:39:13+00","source_url":"https://www.indusindinsurance.com/downloads/motor-extended-warranty-insurance-private-car","url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9543"},{"kind":"cis","label":"IndusInd Motor Vehicle Extended Warranty For Commercial Vehicles ICE CIS","pages":17,"fetched_at":"2026-10-17 19:39:25+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-motor-vehicle-extended-warranty-for-commercial-vehicles-ice-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425/document/9549"}],"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":"Motor Extended Warranty Insurance Private Car (UIN IRDAN103RPMT0055V02202425), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/motor-extended-warranty-insurance-private-car-irdan103rpmt0055v02202425"}