{"uin":"IRDAN106RP0006V01202324","name":"Battery Operated Bike (Two Wheelers) Package Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324","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-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a Package Policy for Battery Operated Bikes covering Physical Damage, External Party Liability and Personal Accident. Own damage is settled on IDV treated as market value, External Party Liability is limited to Rs.2 Lacs per policy period, and Personal Accident cover is Rs 2 lacs per insured person.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:51:53.122544+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":"The wording defines the policy period by the effective and expiry dates shown in the Schedule, but no fixed term is printed in the provided documents.","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 immediately on occurrence of any accident, loss or damage. The written claim statement with supporting documents must be delivered within 15 days of the date of Damage.","display":"Immediately; written claim statement and documents within 15 days of date of Damage","note":"The police must also be informed immediately for theft, other criminal acts and listed riot, malicious or vandal damage.","quote":"NoticeshallbegiveninwritingtotheCompany immediatelyupontheoccurrenceof any accident or loss or damage and intheeventofanyclaim ... Thiswrittenstatementofclaimalongwithsupportingdocumentation (estimates,vouchers,invoices,proof,investigationreportandthelike)preparedat yourexpensesalongwithparticularsofotherinsurancecoveringthesameriskmust be delivered to Us within 15 days of date of Damage.","sources":[{"clause":"5(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-5-c"}],"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":["written statement of the claim","Claim form","supporting documentation (estimates, vouchers, invoices, proof, investigation report and the like)","particulars of other insurance covering the same risk","Every letter, claim, writ, petition, case, summons or process and all documents relating to event"],"display":"Written statement, claim form, supporting documentation, other-insurance particulars, and liability letters/processes","note":null,"quote":"AwrittenstatementoftheclaimwillberequiredandaClaimform willbeprovided.Thiswrittenstatementofclaimalongwithsupportingdocumentation (estimates,vouchers,invoices,proof,investigationreportandthelike)preparedat yourexpensesalongwithparticularsofotherinsurancecoveringthesameriskmust be delivered to Us within 15 days of date of Damage. ... Every letter, claim, writ, petition, case , summons or process and all documents relatingtoeventorcopythereofshallbeforwardedtotheCompanyimmediatelyon receipt by the insured.","sources":[{"clause":"5(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-5-c"}],"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":["if the Insured item is outside the scope of the definition of BOB","arising out of use of BOB as a commercial vehicle forhireorreward,unless specifically covered through Extension 3","outside the Geographical limits","ifYouoranypersondrivingtheBOBwithYourconsentdoesnotfallunderthe definition of a driver","arisingdirectlyorindirectlyfromorduetoanywilfulmaliciousactcommittedby You or any person driving the BOB with Your consent","War risk","Confiscation","Nuclear Risk","Existing Damage"],"display":"BOB scope, commercial use unless extended, outside geographical limits, driver definition, wilful malicious act, war, confiscation, nuclear risk and existing damage","note":null,"quote":"a) if the Insured item is outside the scope of the definition of BOB.\nb) arising out of use of BOB as a commercial vehicle forhireorreward,unless specifically covered through Extension 3.\nc) outside the Geographical limits. ... e) ifYouoranypersondrivingtheBOBwithYourconsentdoesnotfallunderthe definition of a driver.\nf) arisingdirectlyorindirectlyfromorduetoanywilfulmaliciousactcommittedby You or any person driving the BOB with Your consent. ... War risk ... Confiscation ... Nuclear Risk ... Existing Damage","sources":[{"clause":"1","heading":"Any claim","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-1-3"},{"clause":"2","heading":"War risk","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-2-2"},{"clause":"3","heading":"Confiscation","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-3-2"},{"clause":"4","heading":"Nuclear Risk","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-4"},{"clause":"5","heading":"Existing Damage","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-5"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact IFFCO-Tokio through the grievance website, toll free number, email, courier to the Chief Grievance Officer, or a branch grievance cell. If not satisfied, contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in before approaching the Insurance Ombudsman.","display":"IFFCO-Tokio grievance channels, then grievance officer, then Insurance Ombudsman","note":null,"quote":"In case of any grievance, the insured person may contact Us through:\nWebsite: https://www.iffcotokio.co.in/contact-us/customer-services/grievance-redressal Toll free: 1800-103-5499 E-mail: support@iffcotokio.co.in Courier: Chief Grievance Officer IFFCO-Tokio General Insurance Co Ltd IFFCO Tower, Plot no. 3 Sector -29, Gurgaon – 122001 ... IfInsuredpersonisnotsatisfiedwiththeredressalofgrievancethroughoneofthe above methods, insured person may contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in","sources":[{"clause":null,"heading":"Redressal Of Grievance","page":16,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire","Lightning","Explosion, Self Ignition","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"],"display":"Fire, lightning, explosion/self-ignition, riot and strike, earthquake, storm/flood perils, accidental external means, malicious act, terrorism, transit, landslide/rockslide","note":"These are the insured perils under Section 1 Physical Damage.","quote":"Insured Perils:- 1. Fire 2. Lightning 3. Explosion, Self Ignition 4. Riot and Strike 5. Earthquake (Fire and shock damage) 6. Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone, Hailstorm, Frost. 7. Accidental external means. 8. Malicious Act 9. Terrorist Activity 10.Whilst in transit by Road, Rail,Inland Waterway, Lift, Elevator or Air 11.Landslide, Rockslide","sources":[{"clause":"Section 1","heading":"Physical Damage","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-section-1"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If no claim is preferred, you may cancel by giving 7 days written notice. The insurer refunds after retaining short-period premium: up to 1 month 75% refund, up to 3 months 50%, up to 6 months 25%, exceeding 6 months nil, subject to minimum premium retention of Rs. 250.","display":"7 days written notice; refund 75% up to 1 month, 50% up to 3 months, 25% up to 6 months, nil after 6 months; minimum premium Rs. 250","note":"No refund is given on insurer cancellation for mis-representation, non-disclosure of material facts or fraud.","quote":"In the event of no claim preferred on us, You maycancelthisPolicybysending 7(Seven)dayswrittennoticetoUs.Wewillthenallowarefundafterretainingthe premium based on following short period table.\nPeriod of Cover upto | Refund of Annual Premium Rate (%)\n1 Month | 75%\n3 Month | 50%\n6 Month | 25%\nExceeding 6 month | Nil\nAny refund of the premium is subject to retention of minimum premium of Rs. 250/-(Two Hundred fifty).","sources":[{"clause":"5(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-5-b-6"}],"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 geographical limit is within Indian territory, unless otherwise specified.","display":"Within Indian territory, unless otherwise specified","note":null,"quote":"18.Geographical Limits It means within Indian territory, unless otherwise specified.","sources":[{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-1-b-2"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Package Policy"],"display":"Package Policy covering Physical Damage, External Party Liability and Personal Accident","note":null,"quote":"We have come out with a Package Policy covering the risks of Physical Damage to the vehicle, External Party Liability for accidental death, injury and property damage alongwith Personal Accident cover for the occupants of the vehicle.","sources":[{"clause":null,"heading":"Battery Operated Bike (Two Wheeler) Package Policy","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8576#c-battery-operated-bike-two-wheeler-package-policy"}],"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":"External Party Liability covers accidental death of or bodily injury to any person and damage to property other than property belonging to you or in your custody or control, up to Rs.2 Lacs per policy period.","display":"External Party Liability for death, bodily injury and property damage; Rs.2 Lacs per policy period","note":"The wording calls this External Party Liability and excludes claims towards insured person, family, driver or employees.","quote":"We will indemnify You in the eventofan accident caused by or arising out of the use of insured BOB against all sums including claimant’s costs and expenses which you shall become legally liable to pay in respect of :- 1. Accidental death of or bodily injuryto any person. 2. Damage to property other than the property belonging to you or in your custody or control. ... 3.LimitofLiabilityperpolicyperiod:Rs.2 Lacs.","sources":[{"clause":"Section 2","heading":"External Party Liability","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-section-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 Declared Value of the BOB is the Sum Insured, fixed at the commencement of each policy period. It is based on the manufacturer’s listed selling price with sidecar, accessories and age-wise depreciation or other agreed criteria, applies for TL/CTL claims, and is the maximum liability under the policy.","display":"IDV is the Sum Insured, fixed at commencement; maximum liability for TL/CTL claims","note":"Constructive total loss is where retrieval and/or repair cost exceeds 75% of the IDV.","quote":"TheInsured’sDeclaredValueoftheBOBisdeemedtobetheSumInsuredfor thepurposeofthispolicyanditwillbefixedatthecommencementofeachpolicy period for each Insured BOB. ... The IDV fixed onthebasisofManufacturer’slistedsellingpriceofthemodel, alongwiththatofsidecar,accessoriesandapplicableagedwisedepreciationor anyothercriteriaasagreedbetweenyouandusisapplicableforthepurposeof Total Loss/ Constructive Total Loss (TL/CTL) claims only. ... It is further understood and clarified that the IDV is the maximum liability underthepolicy","sources":[{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-1-a-2"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-1-b-2"},{"clause":"5(a)(i)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-5-a-i"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For partial losses, depreciation is 50% for rubber/nylon/plastic parts, tyres and tubes; 30% for fibre glass components and batteries; nil for glass; and for other parts including wooden parts: nil up to 6 months, 5% above 6 months up to 1 year, 10% beyond 1 year up to 2 years, and 15% beyond 2 years up to 3 years.","display":"Partial loss depreciation: 50% rubber/plastic/tyres/tubes; 30% fibre glass and batteries; nil glass; other parts nil to 15% by age","note":"Depreciation Waiver is an optional extension available on additional premium.","quote":"Forpartiallosses,i.e.lossesotherthanTotalLoss/ConstructiveTotalLossofthe BOB - actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as following chart. (1)For all rubber/nylon/plastic parts, tyres, tubes– 50% (2)For Fiber glass components and batteries– 30% (3)For all parts made of glass – Nil (4) Rateofdepreciationforallotherpartsincludingwoodenpartswillbeas per following schedule:-\nAge of the BOB | % of Depreciation\nUpto 6 month | Nil\nAbove 6 months but upto 1 year | 5%\nBeyond 1 year but upto 2 year | 10%\nBeyond 2 year but upto 3 year | 15% ... In the event of Damage to the BOBandtheclaimisadmissibleunderSection1 ‘Physical Damage’, We will provide thebenefitsof‘DepreciationWaiver’provided that You have paid the additional premium.","sources":[{"clause":"5(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-5-b-6"},{"clause":"5(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-5-b"}],"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":"quote-verified","value":"For Section 1 Physical Damage, the excess is 5% of the claim amount subject to a minimum of Rs. 500 for partial loss claims and 5% subject to a minimum of Rs. 1000 for total loss claims.","display":"5% of claim amount, minimum Rs. 500 partial loss and Rs. 1000 total loss","note":"The Theft Cover extension, if opted, has a separate 10% excess.","quote":"1. a)Anexcess5%oftheclaimamount subject to a minimum of Rs. 500/- (Five Hundred)incaseofpartialloss claims. b) An excess of 5% of the claim amount subject to a minimum of Rs. 1000/-(OneThousand)incaseoftotal loss claims.","sources":[{"clause":"Section 1","heading":"Physical Damage","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-section-1"}],"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 documents state compulsory excesses, but do not state a voluntary deductible option chosen for premium reduction.","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":"Personal Accident covers the occupants of the insured BOB up to the manufacturer recommended seating capacity, including the driver. The Capital Sum Insured is Rs 2 lacs per insured person.","display":"Occupants including driver; Rs 2 lacs per insured person","note":"The wording describes PA cover for occupants including the driver, not a separate owner-driver-only cover.","quote":"Insured Person:- For the purpose of this section, it means the occupant(s) of the insured BOB upto the manufacturer recommended seating capacity of the BOB including the driver. ... Capital Sum Insured: Rs 2 lacs per insured person","sources":[{"clause":"Section 3","heading":"Personal Accident","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-section-3"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Theft Cover","Depreciation Waiver","BOB used as a Commercial Vehicle including hire or reward"],"display":"Theft Cover; Depreciation Waiver; BOB used as a Commercial Vehicle including hire or reward","note":"These are Extensions available on payment of additional premium.","quote":"1. Theft Cover On payment of additional premium as statedintheschedule,Section1‘Physical Damage’ofthisPolicyisextendedtocoveranylosscausedbytheftorattempted theft involving violent and forcible means, robbery, dacoity, housebreaking. ... 2. Depreciation Waiver In the event of Damage to the BOBandtheclaimisadmissibleunderSection1 ‘Physical Damage’, We will provide thebenefitsof‘DepreciationWaiver’provided that You have paid the additional premium. ... 3. BOB used as a Commercial Vehicle including hire or reward Onpaymentofadditionalpremiumasstatedintheschedule,thisPolicyisextended to cover the BOB used for transporting goods or passengers for the profit ofan individual or business.","sources":[{"clause":null,"heading":"EXTENSIONS","page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-extensions"},{"clause":"5(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-5-b"},{"clause":"5(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-5-b-3"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":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":["Any loss arising out of theft or attempted theft involving violent and forcible means, robbery, dacoity, housebreaking","Damagetotyresandtubesunlessthe BOB is damaged at the same time","Loss or damage arising out of modifications not approved by manufacturer","Loss or damage arising out of any manufacturing or design defect including manufacturer’s recall","Wear and tear:- Damage caused by wear and tear, depreciation and/or gradual deterioration","Mechanical/ Electrical Breakdowns, failureorbreakagesunlesscausedby the insured perils","Anyclaimtothebatteryarisingoutof short circuiting or water ingress","Any claim if You or any person with Your consent is driving the BOB under influence of any alcohol/drugs","arising out of use of BOB as a commercial vehicle forhireorreward,unless specifically covered through Extension 3","ifYouoranypersondrivingtheBOBwithYourconsentdoesnotfallunderthe definition of a driver"],"display":"Theft unless extended, tyres/tubes alone, unauthorised modifications, manufacturing/design defects, wear and tear, breakdowns, battery short circuit/water ingress, alcohol/drugs, commercial use unless extended, and driver not within definition","note":"Theft cover and commercial use can be covered through optional extensions if opted.","quote":"Any loss arising out of theft or attempted theft involving violent and forcible means, robbery, dacoity, housebreaking ... Damagetotyresandtubesunlessthe BOB is damaged at the same time. ... Loss or damage arising out of modifications not approved by manufacturer. ... Loss or damage arising out of any manufacturing or design defect including manufacturer’s recall. ... Wear and tear:- Damage caused by wear and tear, depreciation and/or gradual deterioration. ... Mechanical/ Electrical Breakdowns, failureorbreakagesunlesscausedby the insured perils. ... Anyclaimtothebatteryarisingoutof short circuiting or water ingress. ... Any claim if You or any person with YourconsentisdrivingtheBOBunder influenceofanyalcohol/drugs(except as medically prescribed). ... arising out of use of BOB as a commercial vehicle forhireorreward,unless specifically covered through Extension 3. ... ifYouoranypersondrivingtheBOBwithYourconsentdoesnotfallunderthe definition of a driver.","sources":[{"clause":"Section 1","heading":"Physical Damage","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-section-1"},{"clause":"1","heading":"Any claim","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-1-3"}],"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 is based on the Insured Declared Value. The IDV is treated as the market value throughout the policy period for Total Loss and Constructive Total Loss claims.","display":"IDV, treated as Market Value for TL/CTL claims","note":null,"quote":"7. Sum Insured ItmeansthemonetaryamountsshownasInsuredDeclaredValuealongwithany other cost incurred in the purchase of Your BOB. ... IDVshallbetreatedasthe‘MarketValue’throughoutthepolicyperiodwithoutany furtherdepreciationforthepurposeofTotalLoss(TL)/ConstructiveTotalLoss(CTL) claims.","sources":[{"clause":"1(f)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-1-f"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577#c-1-b-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Battery Operated Bike (Two wheeler) Package Policy","pages":20,"fetched_at":"2026-10-17 19:42:56+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/motor/Wording-Battery-Operated-Bike-Two-wheeler-Package-Policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8577"},{"kind":"prospectus","label":"Battery Operated Bike (Two Wheelers) Package Policy","pages":11,"fetched_at":"2026-10-17 19:43:05+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/motor/battery_operated_bike_two_wheeler_package_policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324/document/8576"}],"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":"Battery Operated Bike (Two Wheelers) Package Policy (UIN IRDAN106RP0006V01202324), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/battery-operated-bike-two-wheelers-package-policy-irdan106rp0006v01202324"}