{"uin":"IRDAN106P0003V01200708","name":"Extended Warranty Insurance (Vehicle) Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is an extended warranty insurance policy for vehicles, covering repair or replacement cost of listed parts that suffer electrical or mechanical breakdown during the period of insurance. Cover is limited to India and the policy carries a compulsory excess for each claim, with the rupee amount left blank in the wording.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:50:41.651531+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 wording does not name any plan variants.","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":"not-stated","value":null,"display":null,"note":"The wording leaves the number of months blank and refers to the Policy Schedule for the inception and expiry dates.","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":"The insured must inform the insurer immediately on the occurrence of any claim under the policy.","display":"Immediately on the occurrence of any claim","note":"The exclusions also bar a loss reported to the Dealer/Manufacturers more than 30 days after the relevant fault became apparent, and any claim where the insurer or its authorized representatives were not contacted before repairs.","quote":"The Insured shall inform the Insurer immediately on the occurrence of any claim under the Policy. ... Any cause of loss, if reported to the Dealer/Manufacturers more than 30 days after the relevant fault has become apparent in the Vehicle. ... Any claim where the Insurer or authorized representatives of Insurer have not been contacted prior to repair(s).","sources":[{"clause":"3.5","heading":"The Insured shall inform the Insurer immediately on the occurrence of any claim under","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-3-5"},{"clause":"2.21","heading":"Any cause of loss, if reported to the Dealer/Manufacturers more than 30 days after the","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-21"},{"clause":"2.24","heading":"Any claim where the Insurer or authorized representatives of Insurer have not been","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-24"}],"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":["explanations","vouchers","proofs or ownership and date of sale","comprehensive insurance of Vehicle","other evidence, information, particulars and documents"],"display":"Explanations, vouchers, proofs or ownership and date of sale, comprehensive insurance of Vehicle, and other evidence, information, particulars and documents required by the insurer","note":null,"quote":"The Insured shall furnish all such explanations, vouchers, proofs or ownership and date of sale, comprehensive insurance of Vehicle, other evidence, information, particulars and documents as the Insurer may, in its absolute discretion, require for the substantiation of claim under the Policy.","sources":[{"clause":"3.5","heading":"The Insured shall inform the Insurer immediately on the occurrence of any claim under","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-3-5"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 Breakdown occurring outside the geographic limits of India.","Any Breakdown relating to parts other than those covered by Manufacturer’s Warranty.","Normal maintenance service required on the Vehicle and its accessories","Any loss where the speedometer has been tampered with, altered or disconnected.","Repairs, replacement or alterations not authorized by the Dealer or Manufacturer","Any loss arising out of the Vehicle being used for any sort of competition, sport or rally racing","Consequential loss of whatsoever nature.","Any Breakdown occurring which is due in whole or in part to any type of accident or any act or omission which is willful, illegal or grossly negligent","Any Breakdown to a component or components which are either subject to recall by Vehicle’s Manufacturer or can be considered as having inherent design faults.","Any Breakdown caused by corrosion, frost, rust or elements of nature.","Any Breakdown caused by lack of maintaining proper levels of or contamination of antifreeze/coolants, lubricants, hydraulic fluid or due to overheating.","Any claim for loss or damage attributable to perils covered / coverable or admissible under a Comprehensive Motor Insurance Policy of any Insurance Company."],"display":"Breakdown outside India; parts other than those covered by Manufacturer’s Warranty; normal maintenance; tampered speedometer; unauthorized repairs or alterations; competition, rally or commercial use; consequential loss; accident or wilful, illegal or grossly negligent acts; recall or inherent design faults; corrosion, frost, rust or elements of nature; coolant, lubricant or overheating issues; perils covered or coverable under comprehensive motor insurance","note":null,"quote":"Any Breakdown occurring outside the geographic limits of India. ... Any Breakdown relating to parts other than those covered by Manufacturer’s Warranty. ... Normal maintenance service required on the Vehicle and its accessories, including oil\nand fluid changes, headlight alignment, fastener tightening, wheel balancing, wheel alignment, carburetor adjustments, ignition timing, valve clearance, body work, painting, glass, interiors / exteriors and exhaust system and/ or repair of oil leaks caused by gasket or seal failure. ... Any loss where the speedometer has been tampered with, altered or disconnected. ... (i) Repairs, replacement or alterations not authorized by the Dealer or Manufacturer ... Any loss arising out of the Vehicle being used for any sort of competition, sport or rally\nracing, pace making, reliability trials, over loading, towing without suitable recommendation by the Manufacturer, transport for hire or reward of persons or goods, taxi services, hire or driving school or any commercial use. ... Consequential loss of whatsoever nature. ... Any Breakdown occurring which is due in whole or in part to any type of accident or any\nact or omission which is willful, illegal or grossly negligent, or any repairs required as a result of continued operation of the Vehicle once a defect or fault has occurred. ... Any Breakdown to a component or components which are either subject to recall by\nVehicle’s Manufacturer or can be considered as having inherent design faults. ... Any Breakdown caused by corrosion, frost, rust or elements of nature. ... Any Breakdown caused by lack of maintaining proper levels of or contamination of\nantifreeze/coolants, lubricants, hydraulic fluid or due to overheating. ... Any claim for loss or damage attributable to perils covered / coverable or admissible\nunder a Comprehensive Motor Insurance Policy of any Insurance Company.","sources":[{"clause":"2.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-1"},{"clause":"2.2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-2"},{"clause":"2.3","heading":"Normal maintenance service required on the Vehicle and its accessories, including oil","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-3"},{"clause":"2.4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-4"},{"clause":"2.5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-5"},{"clause":"2.6","heading":"Any loss arising out of the Vehicle being used for any sort of competition, sport or rally","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-6"},{"clause":"2.8","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-8"},{"clause":"2.10","heading":"Any Breakdown occurring which is due in whole or in part to any type of accident or any","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-10"},{"clause":"2.11","heading":"Any Breakdown to a component or components which are either subject to recall by","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-11"},{"clause":"2.12","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-12"},{"clause":"2.13","heading":"Any Breakdown caused by lack of maintaining proper levels of or contamination of","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-13"},{"clause":"2.22","heading":"Any claim for loss or damage attributable to perils covered / coverable or admissible","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-22"}],"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":"not-stated","value":null,"display":null,"note":"The wording contains notice and arbitration clauses, but does not state a grievance officer or escalation route before the Insurance Ombudsman.","quote":null,"sources":[],"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":["electrical / mechanical breakdown"],"display":"Electrical / mechanical breakdown of listed vehicle parts","note":null,"quote":"Insurer hereby agrees that in consideration of the payment of premium as specified in the Schedule to indemnify the Insured for cost of repair/ replacement of the parts mentioned in the list below suffering an electrical / mechanical breakdown in respect of vehicles of ................ make sold by the Dealer for damages suffered by such parts within the Period of Insurance as defined below, subject to the terms, exceptions, limitations and conditions contained herein or endorsed under the Policy.","sources":[{"clause":null,"heading":"Extended Warranty Insurance (Vehicle) Policy","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-extended-warranty-insurance-vehicle-policy"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The policy carries a Compulsory Excess of Rs. ............. for each and every claim.","display":"Compulsory Excess of Rs. ............. for each and every claim","note":"The wording leaves the rupee amount blank.","quote":"The Policy will carry a Compulsory Excess of Rs. ............. for each and every claim.","sources":[{"clause":"4.2","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-4-2"}],"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":"Either party may cancel by giving 7 days written notice. If the insured cancels and no claim has been reported, refund is on short period scales: 80% up to one month (30 days), 70% more than 1 month up to 2 months, 60% more than 2 months up to 3 months, 50% more than 3 months up to 4 months, 40% more than 4 months up to 5 months, 30% more than 5 months up to 6 months, 25% more than 6 months up to 7 months, 20% more than 7 months up to 8 months, 15% more than 8 months up to 9 months, and no refund after more than 9 months; no refund is payable if a claim has been reported.","display":"7 days notice; if no claim, short-period refund from 80% up to 30 days down to no refund after more than 9 months","note":null,"quote":"This Policy may be cancelled by either party at any time by giving 7 days\nnotice in writing to the other party at their last known address. The mode of refund of premium if any shall be as follows:\nIf the Policy is cancelled by the Insured and subject to no claim having been reported, the premium will be refunded on short period scales as specified below. In case of reported claim, no refund shall be payable.\nPeriod for which Policy has been in force | Refund percentage (On annual premium)\nUpto one month (30 days) | 80%\nMore than 1 months up to 2 months | 70%\nMore than 2 months up to 3 months | 60%\nMore than 3 months up to 4 months | 50%\nMore than 4 months up to 5 months | 40%\nMore than 5 months up to 6 months | 30%\nMore than 6 months up to 7 months | 25%\nMore than 7 months up to 8 months | 20%\nMore than 8 months up to 9 months | 15%\nMore than 9 months | No refund of premium","sources":[{"clause":"3.4","heading":"Cancellation: - This Policy may be cancelled by either party at any time by giving 7 days","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-3-4"}],"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 excludes any breakdown occurring outside the geographic limits of India, so cover is within India.","display":"India only","note":null,"quote":"Any Breakdown occurring outside the geographic limits of India.","sources":[{"clause":"2.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-2-1"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers the insured vehicle described in the Proposal and Schedule, and indemnifies repair or replacement cost of listed parts suffering an electrical / mechanical breakdown.","display":"Insured Vehicle and listed parts suffering electrical / mechanical breakdown","note":null,"quote":"Vehicle: The Vehicle of .......... make sold by the aforesaid Dealer, which is the subject\nmatter of insurance under this Policy and described in the Proposal and Schedule as the Insured Vehicle. ... Insurer hereby agrees that in consideration of the payment of premium as specified in the Schedule to indemnify the Insured for cost of repair/ replacement of the parts mentioned in the list below suffering an electrical / mechanical breakdown","sources":[{"clause":"1.5","heading":"Vehicle: The Vehicle of .......... make sold by the aforesaid Dealer, which is the subject","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-1-5"},{"clause":null,"heading":"Extended Warranty Insurance (Vehicle) Policy","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463#c-extended-warranty-insurance-vehicle-policy"}],"law":[]}],"documents":[{"kind":"wording","label":"Extended Warranty Insurance (Vehicle) Policy","pages":7,"fetched_at":"2026-10-17 19:39:35+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/motor/extended-warranty-policy-wording.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708/document/8463"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","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":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-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.iffcotokio.co.in/contact-us/customer-services/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 policy","url":"https://www.iffcotokio.co.in/renew-policy","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":"Extended Warranty Insurance (Vehicle) Policy (UIN IRDAN106P0003V01200708), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/extended-warranty-insurance-vehicle-policy-irdan106p0003v01200708"}