{"uin":"IRDAN106P0005V01200001","name":"Private Car Act & Comprehensive Policies","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001","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":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Private Car Act & Comprehensive Policies covers private car own-damage perils, third-party liability in India, and owner-driver personal accident cover. The vehicle sum insured is the IDV, treated as market value for total loss or constructive total loss, and owner-driver personal accident liability is capped at Rs. 1500000 during one period of insurance.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:50:42.40312+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":null,"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":"Notice must be given in writing to the Company immediately upon any accident and any claim. Every letter, claim, writ, summons and process must be forwarded immediately, and notice of any impending prosecution, inquest or fatal inquiry must also be given immediately.","display":"Immediately upon accident or claim; legal notices and proceedings to be forwarded or notified immediately.","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accident and in the event of any claim. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately the insured shall have knowledge of any impending Prosecution Inquest or Fatal Inquiry in respect of any accident which may give rise to a claim under this Policy.","sources":[{"clause":null,"heading":"CONDITIONS","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Every letter claim writ summons and/or process","a detailed estimate of the cost of repairs"],"display":"Every letter, claim, writ, summons or process; detailed estimate of repair cost.","note":"The detailed estimate is stated for repairs authorised by the insured where the estimated cost including replacements does not exceed Rs.500/-.","quote":"Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the insured. ... the Company is furnished forthwith with a detailed estimate of the cost of repairs;","sources":[{"clause":null,"heading":"CONDITIONS","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-conditions"},{"clause":"4","heading":"The insured may authorise the repair of the vehicle necessitated by damage for which the","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-4"}],"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":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres and tubes unless the vehicle is damaged at the same time","under the influence of intoxicating liquor or drugs","outside the geographical area","any claim arising out of any contractual liability","being used otherwise than in accordance with the ‘Limitations as to Use’","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Consequential loss and wear and tear; tyre/tube damage unless vehicle is also damaged; intoxication; outside geographical area; contractual liability; use or driver outside permitted terms; radiation; nuclear weapons material; war and similar risks.","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs. ... any accidental loss or damage caused sustained or incurred outside the geographical area; ... any claim arising out of any contractual liability; ... being used otherwise than in accordance with the ‘Limitations as to Use’ ... being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"2","heading":"The Company shall not be liable to make any payment in respect of","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-2"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-general-exceptions"},{"clause":"4","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-4-3"},{"clause":"5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-5-2"},{"clause":"6","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The insured may register a grievance on the Company's website, contact the office from where the policy was bought, or contact the grievance officer at the corporate office. The grievance department e-mail is chiefgrievanceofficer@iffcotokio.co.in and the address printed is IFFCO-Tokio General Insurance Company Limited, IFFCO TOWER – II Plot No.3, Sector-29, Gurgaon Haryana-122001.","display":"Website, issuing office, or grievance officer at corporate office; chiefgrievanceofficer@iffcotokio.co.in.","note":null,"quote":"The Insured may register a grievance or complaint by visiting the Company’s website www.iffcotokio.co.in. The Insured may also contact the offices from where he/she has bought the policy or the grievance officer who can be reached at the Company’s corporate office. Grievance Department details are as mentioned below: E- Mail ID: chiefgrievanceofficer@iffcotokio.co.in Address: IFFCO-Tokio General Insurance Company Limited. IFFCO TOWER – II Plot No.3, Sector-29, Gurgaon Haryana-122001","sources":[{"clause":"6(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-6-c"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self-ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide","Death of or bodily injury to any person","Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured"],"display":"Own-damage perils including fire, theft, riot, earthquake, flood and storm, accident, malicious act, terrorist activity, transit, landslide or rockslide; third-party death, bodily injury and property damage.","note":null,"quote":"by fire explosion self-ignition or lightning; ... by burglary housebreaking or theft; ... by riot and strike; ... by earthquake (fire and shock damage); ... by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; ... by accidental external means; ... by malicious act; ... by terrorist activity; ... whilst in transit by road rail inland-waterway lift elevator or air; ... by landslide rockslide. ... Death of or bodily injury to any person ... Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-1"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-1-2"}],"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":"The insured may cancel at any time on seven days' notice by recorded delivery. If no claim has arisen during the policy currency, the insured receives a return of premium less premium at the Company's short period rates for the period in force, subject to minimum premium retention of Rs.100/- or Rs.25/- for vehicles specifically designed or modified for blind, handicapped or mentally challenged persons.","display":"Seven days' notice; refund if no claim, less short-period premium and minimum premium of Rs.100/- or Rs.25/- for specified modified vehicles.","note":"Where ownership of the vehicle is transferred, the policy cannot be cancelled unless evidence that the vehicle is insured elsewhere is produced.","quote":"the policy may be cancelled at any time by the insured on seven days' notice by recorded delivery and (provided no claim has arisen during the currency of the policy) the insured shall be entitled to a return of premium less premium at the Company's Short Period rates for the period the Policy has been in force. Return of the premium by the company will be subject to retention of the minimum premium of Rs.100/- (or Rs.25/- in respect of vehicles specifically designed/modified for use by blind/handicapped/mentally challenged persons).","sources":[{"clause":"6(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-6-b"}],"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":"Third-party liability cover applies to use of the motor vehicle anywhere in India. The comprehensive wording also excludes accidental loss or damage caused, sustained or incurred outside the geographical area, but the geographical area for own damage is not printed in the wording.","display":"Third-party liability: anywhere in India; own-damage wording refers to the geographical area.","note":null,"quote":"the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India ... any accidental loss or damage caused sustained or incurred outside the geographical area;","sources":[{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-1-2"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-general-exceptions"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Act","Comprehensive"],"display":"Act and Comprehensive","note":null,"quote":"POLICY WORDING FOR PRIVATE CAR ACT & COMPREHENSIVE","sources":[{"clause":null,"heading":"POLICY WORDING FOR PRIVATE CAR ACT & COMPREHENSIVE","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-policy-wording-for-private-car-act-comprehensive"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for accident caused by or arising out of use of the motor vehicle anywhere in India for legal liability for death or bodily injury to any person so far as necessary to meet the Motor Vehicles Act, and for damage to property other than the insured's property or property in the insured's trust, custody or control up to the limit specified in the schedule.","display":"Death or bodily injury as required by the Motor Vehicles Act; third-party property damage up to the schedule limit.","note":null,"quote":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India against all sums including claimant's costs expenses which the insured shall become legally liable to pay in respect of\ni) Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.\nii) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule.","sources":[{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-1-2"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value of the vehicle is the Sum Insured, fixed at the commencement of each policy period. It is based on the manufacturer's listed selling price of the same brand and model at commencement or renewal, adjusted for depreciation; for total loss or constructive total loss, IDV is treated as the Market Value throughout the policy period.","display":"IDV is the Sum Insured, based on manufacturer listed selling price adjusted for depreciation, and treated as Market Value for TL/CTL claims.","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle.\nThe IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For parts replaced, depreciation is 50% for all rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% for fiber glass components; Nil for glass; and for all other parts including wooden parts: Nil up to 6 months, 5% over 6 months to 1 year, 10% over 1 year to 2 years, 15% over 2 years to 3 years, 25% over 3 years to 4 years, 35% over 4 years to 5 years, 40% over 5 years to 10 years, and 50% over 10 years.","display":"Parts depreciation: 50% rubber/nylon/plastic, tyres/tubes, batteries and air bags; 30% fiber glass; nil glass; other/wooden parts Nil to 50% by vehicle age.","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced:\na) For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50%\nb) For fiber glass components - 30%\nc) For all parts made of glass - Nil\nd) Rate of depreciation for all other parts including wooden parts will be as per the following schedule.\nAGE OF THE VEHICLE | % OF DEPRECIATION\nNot exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50%","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-1"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 wording says the Company is not liable for the deductible stated in the schedule, but does not print the fixed compulsory deductible amount.","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 wording only refers to the deductible stated in the schedule and does not print a voluntary deductible option or amount.","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":"quote-verified","value":"Owner-driver personal accident cover pays compensation for death or bodily injury sustained in direct connection with the insured vehicle or while mounting into, dismounting from, or travelling in it as co-driver, caused by violent, accidental, external and visible means and resulting within six calendar months. Compensation is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, and permanent total disablement; 50% for loss of one limb or sight of one eye, with total liability not exceeding Rs. 1500000 during any one period of insurance.","display":"Owner-driver PA up to Rs. 1500000 during one period of insurance; death/PTD 100%, one limb or one eye 50%.","note":"Cover is subject to the owner-driver being the registered owner, the insured named in the policy, and holding an effective driving licence at the time of accident.","quote":"the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle in direct connection with the vehicle insured or whilst mounting into/dismounting from or traveling in the insured vehicle as a co-driver, caused by violent, accidental, external and visible means which independently of any other cause shall within six calendar months of such injury result in\nNature of Injury | Scale of compensation\ni)Death | 100%\nii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\niii)Loss of one limb or sight of one eye | 50%\niv) Permanent total disablement from injuries other than named above | 100%\nProvided always that\na) The compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 1500000/- during any one period of insurance.","sources":[{"clause":"Section 3","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-section-3"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"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":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres and tubes unless the vehicle is damaged at the same time","under the influence of intoxicating liquor or drugs","outside the geographical area","any claim arising out of any contractual liability","being used otherwise than in accordance with the ‘Limitations as to Use’","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/breakdown; tyre/tube-only damage; intoxication; outside geographical area; contractual liability; non-permitted use or driver; radiation, nuclear weapons material, war and similar risks.","note":null,"quote":"consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs. ... any accidental loss or damage caused sustained or incurred outside the geographical area; ... any claim arising out of any contractual liability; ... being used otherwise than in accordance with the ‘Limitations as to Use’ ... being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"2","heading":"The Company shall not be liable to make any payment in respect of","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-2"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-general-exceptions"},{"clause":"4","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-4-3"},{"clause":"5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-5-2"},{"clause":"6","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-6"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured's Declared Value. IDV is fixed at the start of each policy period on the basis of the manufacturer's listed selling price of the brand and model, adjusted for depreciation, and is treated as the Market Value throughout the policy period for total loss and constructive total loss claims.","display":"IDV, based on manufacturer listed selling price adjusted for depreciation; treated as Market Value for TL/CTL.","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle.\nThe IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Private Car Act & Comprehensive Policies","pages":9,"fetched_at":"2026-10-17 19:39:09+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/download_forms/private-car-policy-wordings.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8445"},{"kind":"wording","label":"Private Car Policy Wording","pages":4,"fetched_at":"2026-10-17 19:39:14+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wording/motor/PCP-Annual-policy-with-UIN.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001/document/8448"}],"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":"Private Car Act & Comprehensive Policies (UIN IRDAN106P0005V01200001), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/private-car-act-and-comprehensive-policies-irdan106p0005v01200001"}