{"uin":"IRDAN106RPMT0034V01202526","name":"Nil Depreciation for Private Car Package Policy – 3 Years","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526","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-addon","category_name":"Motor add-ons","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a Private Car Package Policy for 3 years with own damage, third-party liability and compulsory owner-driver personal accident sections. The Nil Depreciation add-on pays depreciation deducted on parts in admitted partial-loss claims, with 1 claim, 2 claims or no limit each year as chosen in the schedule.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:52:16.757964+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["NCB Plan A","NCB Plan B"],"display":"NCB Plan A or NCB Plan B","note":"These are NCB plan variants, not separate cover plans.","quote":"There are two variants of NCB plans : NCB Plan A or NCB Plan B. These options will offer different NCB entitlement at policy expiry/renewal.","sources":[{"clause":"6(b)","heading":"There are two variants of NCB plans","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-b"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"3 Years","display":"3 Years","note":null,"quote":"ADD-ONS FOR PRIVATE CAR PACKAGE POLICY- 3 YEARS Wordings","sources":[{"clause":null,"heading":"ADD-ONS FOR PRIVATE CAR PACKAGE POLICY- 3 YEARS Wordings","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8589#c-add-ons-for-private-car-package-policy-3-years-w"}],"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 to the Company immediately upon any accidental loss or damage. For theft or a criminal act, immediate notice must also be given to the police.","display":"Immediately upon accidental loss or damage; immediate police notice for theft or criminal act","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require. ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"CONDITIONS","page":7,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#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":["duly/completely filled-in claim form","Original vehicle registration book","Original driving license","Copy of the police complaint (FIR)","Estimate of repairs","details of the loan/lease of the Insured vehicle along with the FIR","description of the Insured vehicle, mileage, service record","police Non-Traceable Certificate (NTC) and the court’s final report"],"display":"Claim form, RC, driving licence, FIR, repair estimate; for theft also loan/lease details, vehicle description/mileage/service record and NTC/court final report if unrecovered","note":"The Company may seek additional documents or clarifications depending on the claim.","quote":"Please submit the duly/completely filled-in claim form to the Company. ... Documentation to be submitted for verification & return (along with a set of photocopies)\no Original vehicle registration book (including the fitness certification, if it is a separate document) o Original driving license. o Documentation for submission o Copy of the police complaint (FIR) o Estimate of repairs. ... The Insured has to provide all the details of the loan/lease of the Insured vehicle along with the FIR to the Company.\n• A description of the Insured vehicle, mileage, service record if any needs to be submitted. ... If the vehicle is not recovered, please submit the police Non-Traceable Certificate (NTC) and the court’s final report.","sources":[{"clause":null,"heading":"What to do in case the Insured vehicle meets with an accident?","page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-what-to-do-in-case-the-insured-vehicle-meets-wit"},{"clause":null,"heading":"What to do in case of a theft claim?","page":12,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-what-to-do-in-case-of-a-theft-claim"}],"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":"The wording says admissibility and mode of settlement are decided after survey/assessment, but it does not state a time limit for deciding or paying the claim.","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","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","vehicle is not registered permanently, after the temporary registration number has expired","minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance","war, invasion, the act of foreign enemies, hostilities or warlike operations","Any excess mentioned under the policy to which this add-on is attached","Consequential loss of any kind arising out of claims lodged under this add-on"],"display":"Consequential loss, wear and tear, mechanical/electrical breakdown, intoxication, outside geographical area, contractual liability, use/licence breaches, expired temporary registration, minor scratches/paint fading, war and add-on excess or consequential loss","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;\nb) damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement. and\nc) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... The Company shall not be liable in respect of :\n1. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;\n2. any claim arising out of any contractual liability;\n3. any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is\na) being used otherwise than in accordance with the ‘Limitations as to Use’ or\nb) 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.\nc) Any accidental loss, damage and/or liability caused, sustained or incurred will not be covered, if the vehicle is not registered permanently, after the temporary registration number has expired.\nd) Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered. ... Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations ... We will not be liable for:\na) Any excess mentioned under the policy to which this add-on is attached. ... c) Consequential loss of any kind arising out of claims lodged under this add-on.","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/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-2"},{"clause":"2","heading":"This cover is subject to","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-2-3"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6"},{"clause":null,"heading":"What is not Covered: -","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8589#c-what-is-not-covered"}],"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 redressal website, toll-free number, email or Chief Grievance Officer address, or approach the grievance cell at a branch. If not satisfied with those methods, contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in before approaching the Insurance Ombudsman.","display":"Complain to IFFCO-Tokio/Chief Grievance Officer by website, toll-free, email, address or branch; if not satisfied, contact the grievance officer, then the Insurance Ombudsman","note":null,"quote":"In case of any grievance, the Insured Person may contact the Company through:\nWebsite: https://www.iffcotokio.co.in/customer-services/grievance-redressal Grievance Registration: Follow the above-mentioned link and fil the details to register the grievance\nToll Free: | 1800-103-5499\nEmail: | chiefgrievanceofficer@iffcotokio.co.in\nAddress: | Chief Grievance Officer\nIFFCO-Tokio General Insurance Co Ltd IFFCO Tower, Plot no. 3 Sector -29, Gurgaon – 122001 ... a) Insured Person may also approach the grievance cell at any of the Company’s branches with the details of grievance. ... b) If Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at chiefgrievanceofficer@iffcotokio.co.in. ... e) If Insured Person is not satisfied with the redressal of grievance through above methods, the Insured Person may also approach the office of Insurance Ombudsman of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules 2017.","sources":[{"clause":"18","heading":"Redressal Of Grievance","page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-18"},{"clause":"18(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-18-a"},{"clause":"18(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-18-b"},{"clause":"18(e)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-18-e"}],"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"],"display":"Fire/explosion/self-ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood/storm perils, accidental external means, malicious act, terrorist activity, transit and landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon:\ni) by fire explosion self ignition or lightning ;\nii) by burglary housebreaking or theft ;\niii) by riot and strike;\niv) by earthquake (fire and shock damage);\nv) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi) by accidental external means;\nvii) by malicious act;\nviii) by terrorist activity;\nix) whilst in transit by road rail inland-waterway lift elevator or air;\nx) by landslide rockslide.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-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":"For cancellation of Section I by the insured, the refund is the section premium of complete unexpired policy years plus a pro-rata refund for the unexpired part of the policy year in which cancellation is received if no claim has arisen in that policy year. If a claim has arisen, the refund is only the section premium of complete unexpired policy years, subject to retention of the minimum premium; cancellation of all sections is allowed only for double insurance, TL/CTL or sale/transfer.","display":"OD section: unexpired policy years plus pro-rata unexpired current policy year if no claim; if claim, only complete unexpired policy years, subject to minimum premium. All sections: only double insurance, TL/CTL or sale/transfer.","note":null,"quote":"The Insured may cancel this section of the policy at any time during the term , by informing the Company . The refund of section premium shall be the - ... i) the section premium of the unexpired policy years*. ... ii) the refund calculated on pro rata basis of the section premium of the unexpired policy year in which the cancellation is received.\nprovided no claim has arisen during the policy year in which cancellation request is received. ... If a claim had arisen during the policy period, the refund for cancellation will be the section premium of unexpired policy year(s). ... Refund of the premium by the company will be subject to retention of the minimum premium of Rs. 600/- ... This policy shall not be cancelled either by the Company or the Insured except on the following grounds: ... a) Double Insurance. ... b) Vehicle not in use any more because of Total Loss(TL) or Constructive Total Loss(CTL). ... c) In the event the vehicle is sold and/or transferred.","sources":[{"clause":"6(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-b-2"},{"clause":"6(b)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-b-i"},{"clause":"6(b)(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-b-ii"},{"clause":"6(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-a-3"},{"clause":"6(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-b-3"},{"clause":"6(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-c-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The base wording excludes loss or liability outside the geographical area but does not define that area in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Private Car Package Policy with Loss of or Damage to the Vehicle Insured and Liability to Third Parties"],"display":"Package policy: own damage and third-party liability","note":null,"quote":"PRIVATE CAR PACKAGE POLICY- 3 YEARS ... Section I LOSS OF OR DAMAGE TO THE VEHICLE INSURED ... Section II LIABILITY TO THIRD PARTIES","sources":[{"clause":null,"heading":"PRIVATE CAR PACKAGE POLICY- 3 YEARS","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-private-car-package-policy-3-years"},{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-section-i"},{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-section-ii"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability arising from use of the vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and for damage to property other than property belonging to or in the custody or control of the insured, subject to the schedule limits.","display":"Legal liability for death or bodily injury to any person and third-party property damage, subject to schedule limits","note":"The provided wording points liability limits to the schedule and does not print an unlimited death or injury amount.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect of :- ... i) death of or bodily injury to any person including occupants carried in the vehicle (provided such occupants are not carried for hire or reward) ... ii) 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":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-1-2"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-1-ii"}],"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 IDV is deemed to be the Sum Insured, fixed for each year at commencement of the policy period based on the manufacturer's listed selling price and the IDV depreciation slab. For TL/CTL claims, IDV for each policy year is treated as the market value without further depreciation, and CTL applies if retrieval and/or repair exceeds 75% of IDV.","display":"IDV is the Sum Insured, fixed each year; for TL/CTL it is treated as Market Value without further depreciation; CTL if costs exceed 75% of IDV","note":null,"quote":"The IDV of the vehicle will be deemed to be the Sum Insured which is fixed for each year at the commencement of policy period for the Insured vehicle.\nThe IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed based on manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and would subsequently change as per IDV depreciation slab every year within the policy period for the insured vehicle. ... IDV for each policy year shall be treated as the ‘Market Value’ without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.\n*The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-sum-insured-insureds-declared-value-idv"}],"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":"The base policy deducts depreciation on replaced parts: 50% for rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass components; nil for glass; and age-based rates for other parts from nil up to 50%. The Nil Depreciation add-on pays the amount/value deducted towards depreciation on parts in partial-loss claim settlement when the claim is admitted under Section I.","display":"Base policy: 50% rubber/nylon/plastic/tyres/tubes/batteries/air bags, 30% fibre glass, nil glass, other parts age-wise nil to 50%; Nil Depreciation add-on pays deducted depreciation on parts for admitted Section I partial-loss claims","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced: (1) For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50% (2) For fibre glass components - 30% (3) For all parts made of glass - Nil (4) Rate of depreciation for all other parts including wooden parts will be as per the following schedule. ... Exceeding 10 years | 50% ... We will pay the amount/value deducted towards depreciation on parts of insured vehicle as per the Survey Report approved by Us in case of partial loss claim settlement ... Such a claim has been admitted by Us under Section I – Loss or Damage to the Vehicle Insured.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-1"},{"clause":null,"heading":"What is covered: -","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8589#c-what-is-covered"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"NCB can be earned only in the Own Damage section and is as per the plan mentioned in the policy documents. There are NCB Plan A and NCB Plan B tables, including percentages up to 65%, and NCB is allowed only if the policy is renewed within 90 days of the previous policy expiry.","display":"NCB only on Own Damage; Plan A/Plan B table-based renewal benefit up to 65%; renewal within 90 days required","note":null,"quote":"a) No Claim Bonus (NCB) can be earned only in the Own Damage section of this policy. ... b) There are two variants of NCB plans : NCB Plan A or NCB Plan B. ... c) No Claim Bonus, wherever applicable, will be as per the plan mentioned on the Policy documents. ... NCB Plan A:\nNo Claim Bonus Status in Expiring Policy | NCB % in renewed policy ... 65% | 65% | Upto 25% | 0% | 0% ... NCB will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.","sources":[{"clause":"6(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-a"},{"clause":"6(b)","heading":"There are two variants of NCB plans","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-b"},{"clause":"6(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-c"},{"clause":"6(d)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-6-d"}],"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 each Section I claim is subject to the deductible stated in the schedule, but the fixed amount is not printed in the provided documents.","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 does not state 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":"Compulsory owner-driver PA cover pays compensation for accidental bodily injury or death directly connected with the insured vehicle, including 100% for death and permanent total disablement and 50% for loss of one limb or sight of one eye. Total liability is capped at Rs. 15 lakhs for each year, subject to the owner-driver being the registered owner, named insured and holding an effective driving licence.","display":"Rs. 15 lakhs per year; 100% death/PTD, 50% loss of one limb or one eye; subject to registered owner, named insured and effective driving licence","note":null,"quote":"COMPULSORY PERSONAL ACCIDENT COVER FOR OWNER-DRIVER ... The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle ... Nature of injury | Scale of compensation\n(i) Death | 100%\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100%\n(iii) Loss of one limb or sight of one eye | 50%\n(iv) Permanent total disablement from injuries other than named above. | 100% ... a) 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 Company shall not in the aggregate exceed the sum of Rs. 15 lakhs for each year in the period of insurance. ... a) the owner-driver is the registered owner of the vehicle insured herein.\nb) the owner-driver is the insured named in this policy.\nc) the owner-driver holds an effective driving license","sources":[{"clause":"Section III","heading":"COMPULSORY PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-section-iii"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-1-3"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-1-a"},{"clause":"2","heading":"This cover is subject to","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-2-3"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Nil Depreciation for Private Car Package Policy – 3 Years","New Vehicle Replacement for Private Car Package Policy – 3 Years","Loss of Personal Belongings for Private Car Package Policy – 3 Years","Engine And Gear Box Protection Cover for Private Car Package Policy – 3 Years","Consumable Cover for Private Car Package Policy – 3 Years","Loss of Key Cover for Private Car Package Policy – 3 years","Tyre Replacement for Private Car Package Policy – 3 Years","Rim Protection Cover for Private Car Package Policy – 3 Years","Pay How You Drive for Private Car Package Policy – 3 Years","Road Side Assistance Cover for Private Car Package Policy – 3 Years","Charger and Charging Accessories Cover for Private Car Package Policy – 3 Years","Equated Monthly Installment (EMI) Protection for Private Car Package Policy – 3 Years","Electric/Hybrid Vehicle Cover for Private Car Package Policy – 3 Years","Daily Rental / Travel Cost for Private Car Package Policy – 3 Years","Towing and/or Removal /Storage of the Insured Vehicle for Private Car Package Policy – 3 Years","Medical Expenses for Private Car Package Policy – 3 Years"],"display":"Nil depreciation, new vehicle replacement, loss of personal belongings, engine/gear box, consumables, key, tyre, rim, pay-how-you-drive, roadside assistance, EV charger/accessories, EMI protection, electric/hybrid vehicle, daily rental/travel, towing/removal/storage and medical expenses add-ons","note":"The prospectus lists several add-ons, and separate add-on wordings in the provided documents state the other add-on names.","quote":"1 | Nil Depreciation for Private Car Package Policy – 3 Years | IRDAN106RPMT0034V0120 2526/A0035V01202526 ... 2 | New Vehicle Replacement for Private Car Package Policy – 3 Years | IRDAN106RPMT0034V0120 2526/A0036V01202526 ... 3 | Loss of Personal Belongings for Private Car Package Policy – 3 Years | IRDAN106RPMT0034V0120 2526/A0038V01202526\n4 | Engine And Gear Box Protection Cover for Private Car Package Policy – 3 Years | IRDAN106RPMT0034V0120 2526/A0039V01202526\n5 | Consumable Cover for Private Car Package Policy – 3 Years | IRDAN106RPMT0034V0120 2526/A0037V01202526\n6 | Loss of Key Cover for Private Car Package Policy – 3 years | IRDAN106RPMT0034V0120 2526/A0040V01202526\n7 | Tyre Replacement for Private Car Package Policy – 3 Years | IRDAN106RPMT0034V0120 2526/A0042V01202526\n8 | Rim Protection Cover for Private Car Package Policy – 3 Years | IRDAN106RPMT0034V0120 2526/A0043V01202526\n9 | Pay How You Drive for Private Car Package Policy – 3 Years | IRDAN106RPMT0034V0120 2526/A0041V01202526\n10 | Road Side Assistance Cover for Private Car Package Policy – 3 Years | IRDAN106RPMT0034V0120 2526/A0044V01202526 ... Charger and Charging Accessories Cover for Private Car Package Policy – 3 Years ... Equated Monthly Installment (EMI) Protection for Private Car Package Policy – 3 Years ... Electric/Hybrid Vehicle Cover for Private Car Package Policy – 3 Years ... Daily Rental / Travel Cost for Private Car Package Policy – 3 Years ... Towing and/or Removal /Storage of the Insured Vehicle for Private Car Package Policy – 3 Years ... Wordings Medical Expenses for Private Car Package Policy – 3 Years","sources":[{"clause":"Row 1","heading":"Nil Depreciation for Private Car Package Policy – 3 Years","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8594#c-row-1"},{"clause":"Row 2","heading":"New Vehicle Replacement for Private Car Package Policy – 3 Years","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8594#c-row-2"},{"clause":"Row 3","heading":"Loss of Personal Belongings for Private Car Package Policy – 3 Years","page":9,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8594#c-row-3"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8613#c-s1"},{"clause":null,"heading":"Wordings","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8615#c-wordings"},{"clause":null,"heading":"Electric/Hybrid Vehicle Cover for Private Car Package Policy – 3 Years","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8616#c-electric-hybrid-vehicle-cover-for-private-car-pa"},{"clause":null,"heading":"Wordings","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8617#c-wordings"},{"clause":null,"heading":"Wordings","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8619#c-wordings"},{"clause":null,"heading":"Wordings Medical Expenses for Private Car Package Policy – 3 Years","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8621#c-wordings-medical-expenses-for-private-car-packag"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"The wording mentions a cashless facility as a direct payment facility by the Company to the repairer; the insured should contact the Company for guidance.","display":"Yes, direct payment/cashless facility to a repairer is mentioned","note":null,"quote":"Please contact the Company for guidance on the cashless facility to avail direct payment facility by the Company to such a repairer.","sources":[{"clause":null,"heading":"What to do in case the Insured vehicle meets with an accident?","page":11,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-what-to-do-in-case-the-insured-vehicle-meets-wit"}],"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","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","vehicle is not registered permanently, after the temporary registration number has expired","minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear, mechanical/electrical breakdown, tyres unless vehicle also damaged, intoxication, outside geographical area, contractual liability, use/licence breaches, expired temporary registration, routine scratches/paint fading, radiation/nuclear and war risks","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;\nb) damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement. and\nc) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... The Company shall not be liable in respect of :\n1. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;\n2. any claim arising out of any contractual liability;\n3. any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is\na) being used otherwise than in accordance with the ‘Limitations as to Use’ or\nb) 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.\nc) Any accidental loss, damage and/or liability caused, sustained or incurred will not be covered, if the vehicle is not registered permanently, after the temporary registration number has expired.\nd) Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered. ... ionising radiations or contamination by radioactivity ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from 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/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-2"},{"clause":"2","heading":"This cover is subject to","page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-2-3"},{"clause":"4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-4-2"},{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-5-2"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#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 IDV. The IDV is fixed for each year at the commencement of the policy period and, for total loss or constructive total loss, the IDV for that policy year is treated as the market value without further depreciation.","display":"IDV basis, treated as Market Value for TL/CTL","note":null,"quote":"The IDV of the vehicle will be deemed to be the Sum Insured which is fixed for each year at the commencement of policy period for the Insured vehicle. ... IDV for each policy year shall be treated as the ‘Market Value’ 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":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609#c-sum-insured-insureds-declared-value-idv"}],"law":[]},{"key":"addon_cover","label":"What the add-on pays","section":"Cover","meaning":"What this add-on adds to the base motor policy.","status":"quote-verified","value":"The Nil Depreciation add-on pays the amount or value deducted towards depreciation on parts of the insured vehicle as per the survey report in a partial-loss claim settlement, where the replacement of parts is considered necessary and the claim is admitted under Section I.","display":"Pays depreciation deducted on parts in admitted Section I partial-loss claims","note":null,"quote":"We will pay the amount/value deducted towards depreciation on parts of insured vehicle as per the Survey Report approved by Us in case of partial loss claim settlement ... The replacement of part(s) is/are considered necessary only if part(s) are irreparable in the opinion of the surveyor appointed by Us ... Such a claim has been admitted by Us under Section I – Loss or Damage to the Vehicle Insured.","sources":[{"clause":null,"heading":"What is covered: -","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8589#c-what-is-covered"}],"law":[]},{"key":"addon_limits","label":"Limits on the add-on","section":"Limits and co-pay","meaning":"Number of claims per year, vehicle age limits and other caps.","status":"quote-verified","value":"For Nil Depreciation, the maximum liability is 1 claim, 2 claims or no limit on number of claims each year of the policy period, as opted and shown in the policy schedule. The add-on excludes any excess under the base policy, partial payment of depreciation unless limited coverage is decided, and consequential loss arising from add-on claims.","display":"1 claim, 2 claims or no limit per policy year as selected in the schedule; excludes policy excess and consequential loss","note":null,"quote":"Our maximum liability under this add-on will be 1 claim/ 2 claims/ no limit on number of claims, each year of the policy period, as per option exercised by You and mentioned on the policy schedule. ... We will not be liable for:\na) Any excess mentioned under the policy to which this add-on is attached.\nb) Any partial payment of amount deducted towards depreciation i.e. less than or part of the percentage mentioned under Section I – Loss of or Damage to the Vehicle Insured of the Policy, unless We have decided to provide the limited coverage of this Nil Depreciation Cover.\nc) Consequential loss of any kind arising out of claims lodged under this add-on.","sources":[{"clause":null,"heading":"What is covered: -","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8589#c-what-is-covered"},{"clause":null,"heading":"What is not Covered: -","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8589#c-what-is-not-covered"}],"law":[]}],"documents":[{"kind":"wording","label":"Nil Depreciation for Private Car Package Policy – 3 Years","pages":2,"fetched_at":"2026-10-17 19:43:46+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Nil_Depreciation_for_Private_Car_Package_Policy-3-Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8589"},{"kind":"wording","label":"New Vehicle Replacement for Private Car Package Policy – 3 Years","pages":2,"fetched_at":"2026-10-17 19:43:50+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/New_Vehicle_Replacement_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8591"},{"kind":"wording","label":"Consumable Cover for Private Car Package Policy – 3 Years","pages":1,"fetched_at":"2026-10-17 19:43:54+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Consumable_Cover_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8593"},{"kind":"wording","label":"Loss of Personal Belongings for Private Car Package Policy – 3 Years","pages":3,"fetched_at":"2026-10-17 19:43:59+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Loss_of_Personal_Belongings_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8596"},{"kind":"wording","label":"Engine And Gear Box Protection Cover for Private Car Package Policy – 3 Years","pages":2,"fetched_at":"2026-10-17 19:44:03+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Engine_And_Gear_Box_Protection_Cover_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8597"},{"kind":"wording","label":"Loss of Key Cover for Private Car Package Policy – 3 years","pages":4,"fetched_at":"2026-10-17 19:44:07+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Loss_of_Key_Cover_for_Private_Car_Package_Policy-3_years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8600"},{"kind":"wording","label":"Pay How You Drive for Private Car Package Policy – 3 Years","pages":3,"fetched_at":"2026-10-17 19:44:10+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Pay_How_You_Drive_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8603"},{"kind":"wording","label":"Tyre Replacement for Private Car Package Policy – 3 Years","pages":3,"fetched_at":"2026-10-17 19:44:13+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Tyre_Replacement_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8604"},{"kind":"wording","label":"Rim Protection Cover for Private Car Package Policy – 3 Years","pages":2,"fetched_at":"2026-10-17 19:44:16+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Rim_Protection_Cover_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8605"},{"kind":"wording","label":"Road Side Assistance Cover for Private Car Package Policy – 3 Years","pages":6,"fetched_at":"2026-10-17 19:44:20+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Road_Side_Assistance_Cover_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8608"},{"kind":"wording","label":"PRIVATE CAR PACKAGE POLICY- 3 YEARS","pages":17,"fetched_at":"2026-10-17 19:44:23+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/motor/PRIVATE_CAR_PACKAGE_POLICY-3-YEARS.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8609"},{"kind":"wording","label":"Charger and Charging Accessories Cover for Private Car Package Policy – 3 Years","pages":4,"fetched_at":"2026-10-17 19:44:29+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/motor/Charger_and_Charging_Accessories_Cover_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8613"},{"kind":"wording","label":"Equated Monthly Installment (EMI) Protection for Private Car Package Policy – 3 Years","pages":2,"fetched_at":"2026-10-17 19:44:32+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/motor/Equated_Monthly_Installment_(EMI)_Protection_for_Private_Car_Package_Policy_3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8615"},{"kind":"wording","label":"Electric/Hybrid Vehicle Cover for Private Car Package Policy – 3 Years","pages":5,"fetched_at":"2026-10-17 19:44:26+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/motor/ElectricHybrid_Vehicle_Cover_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8616"},{"kind":"wording","label":"Daily Rental / Travel Cost for Private Car Package Policy – 3 Years","pages":2,"fetched_at":"2026-10-17 19:44:35+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/motor/Daily_Rental_Travel_Cost_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8617"},{"kind":"wording","label":"Towing and/or Removal /Storage of the Insured Vehicle for Private Car Package Policy – 3 Years","pages":2,"fetched_at":"2026-10-17 19:44:38+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/motor/Towing_or_Removal_Storage_of_the_Insured_Vehicle_for_Private_Car_Package_Policy_3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8619"},{"kind":"wording","label":"Medical Expenses for Private Car Package Policy – 3 Years","pages":3,"fetched_at":"2026-10-17 19:44:42+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/motor/Medical_Expenses_for_Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8621"},{"kind":"prospectus","label":"Private Car Package Policy - 3 Years","pages":10,"fetched_at":"2026-10-17 19:43:43+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/iffco-pdf/sites/default/files/Prospectus-Private_Car_Package_Policy-3_Years.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526/document/8594"}],"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":"Nil Depreciation for Private Car Package Policy – 3 Years (UIN IRDAN106RPMT0034V01202526), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/nil-depreciation-for-private-car-package-policy-3-years-irdan106rpmt0034v01202526"}