{"uin":"IRDAN108RP0003V01201718","name":"Two Wheeler Extended Warranty Insurance Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2018-03-06","withdrawn_on":null,"summary":"This is a two wheeler extended warranty insurance policy that indemnifies repair or replacement costs for mechanical, electronic or electrical breakdown of covered parts during the policy period. Coverage can be for 1 year, 2 year or 3 year, with a deductible of 5% of claim amount subject to a minimum of ₹1000 per claim.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:38:38.525659+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents state policy tenure options but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Extended warranty coverage can be taken for 1 year, 2 year or 3 year.","display":"1 year, 2 year or 3 year","note":null,"quote":"Extended warranty coverage can be taken for 1 year, 2 year or 3 year.","sources":[{"clause":"4(III)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-iii"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"conflicting","value":"The policy wording requires immediate written notice of an event giving rise to a claim, and the completed claim form with supporting documents must be delivered within 7 days.","display":"Immediately in writing; claim form and supporting documents within 7 days","note":"The lower-priority prospectus says written intimation must be given immediately and in any case not later than 14 days from occurrence of loss or event giving rise to the claim.","quote":"The Insured shall immediately give written notice of the same to the address shown in the Schedule for this purpose ... The Insured shall within 7 days deliver to the Company its completed claim form detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company ... If an event occurs that may give rise to a claim under this Policy you must inform us immediately and, in any case by way of written intimation not later than 14 days from the occurrence of the loss or the event giving rise to the claim.","sources":[{"clause":"8","heading":"Duties and Obligations after Occurrence of an Insured Event","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-8-2"},{"clause":null,"heading":"F. How to claim?","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16742#c-f-how-to-claim"}],"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":["service booklets, ownerʼs manual etc.","duly signed completed Claim Form","Copy of Motor Extended Warranty Insurance Policy","Manufacturerʼs warranty certificate wherever required","Original documents, indicating the purchase/invoice price of the Insured Vehicle or the documents of transfer of ownership in case, the Vehicle is a second hand purchase, including but not limited to the registration certificate for the Insured Vehicle","No objection certificate (NOC) from finance company, if hypothecated","Copy of all the maintenance/service invoices/records of the Insured Vehicle, prior to the Insured Event","All documentary evidence pertaining to transfer of ownership of the Insured Vehicle","Any other document as may be appropriately applicable against the warranty claim registered"],"display":"Claim form, policy copy, warranty certificate, purchase/transfer and registration documents, NOC if hypothecated, service records, transfer evidence and other applicable warranty-claim documents","note":null,"quote":"including but not restricted to service booklets, ownerʼs manual etc.\nii) Submit duly signed completed Claim Form.\niii) Copy of Motor Extended Warranty Insurance Policy.\niv) Manufacturerʼs warranty certificate wherever required.\nv) Original documents, indicating the purchase/invoice price of the Insured Vehicle or the documents of transfer of ownership in case, the Vehicle is a second hand purchase, including but not limited to the registration certificate for the Insured Vehicle.\nvi) No objection certificate (NOC) from finance company, if hypothecated.\nvii) Copy of all the maintenance/service invoices/records of the Insured Vehicle, prior to the Insured Event.\nviii) All documentary evidence pertaining to transfer of ownership of the Insured Vehicle.\nix) Any other document as may be appropriately applicable against the warranty claim registered.","sources":[{"clause":"Section V(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-section-v-a"}],"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":"quote-verified","value":"The CIS says claim payment is done through NEFT within 7 days from receipt of all relevant documents, and all claims shall be settled within 7 working days of receipt of all relevant documents, including original bills and clarifications if any.","display":"Claim payment by NEFT within 7 days from receipt of all relevant documents; claims settled within 7 working days of receipt of all relevant documents, including original bills and clarifications if any","note":"The policy wording separately says interest applies if a claim is not settled within the timelines prescribed by IRDAI, but does not print a clear settlement period.","quote":"Claim payment is done through NEFT\nwithin 7 days from receipt of all relevant\ndocuments. ... All claims shall be settled within 7 working days of the receipt of all relevant documents, days of the receipt of all relevant documents, including original bills & clarifications, if any. including original bills & clarifications, if any.","sources":[{"clause":"7(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16950#c-7-a"}],"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":["Payment of Deductible – whether imposed or compulsory as specified in the Schedule","Any claim arising within ‘Time Excessʼ as specified in the Policy Schedule","Any loss or damage due to adulterated fuel in any form & usages of non distinctive fuel as mentioned in the ownerʼs manual","Any repairs/replacement on account of mechanical, electronic or electrical failure existing before the commencement of Period of Insurance","Break down due to: I. ‘Act of God Perilsʼ such as Flood, Earthquake, Storm, Typhoon, Inundation, Cyclone etc.; II. Riot, Strike, Malicious and Terrorism Damage; III. Any willful act, neglect or negligence of Policyholder","Usage of Insured Vehicle in competitions, motor sports, pace-making, speed testing or reliability trails, transportation of goods or for hire as taxi (commercial use) or is being driven by any person not holding a licence to drive the Insured Vehicle","Failure of the Insured to observe usage guidance stipulated by the Manufacturer","Normal Wear and Tear of the Parts of the Insured Vehicle as decided by authorised workshop","Gradual decline in output or performance due to age or usage of the Insured Vehicle","Any type of modification in the Insured Vehicle not approved by the Manufacturer","Accessories and all Consumable Items","Repairs to any parts which are not listed in the Policy Wording","All damages caused due to an Accident","Any claim which is fraudulent","Tampering of Odometer"],"display":"Deductible, time excess, adulterated fuel, pre-existing failures, act of God/riot/negligence, competition or commercial use or unlicensed driver, failure to follow manufacturer guidance, wear and tear, gradual decline, unauthorised modification, accessories and consumables, unlisted parts, accident damage, fraud and odometer tampering","note":null,"quote":"Payment of Deductible – whether imposed or compulsory as specified in the Schedule;\n2. Any claim arising within ‘Time Excessʼ as specified in the Policy Schedule;\n3. Any loss or damage due to adulterated fuel in any form & usages of non distinctive fuel as mentioned in the ownerʼs manual;\n4. Any repairs/replacement on account of mechanical, electronic or electrical failure existing before the commencement of Period of Insurance ... I. ‘Act of God Perilsʼ such as Flood, Earthquake, Storm, Typhoon, Inundation, Cyclone etc.;\nII. Riot, Strike, Malicious and Terrorism Damage;\nIII. Any willful act, neglect or negligence of Policyholder; ... Usage of Insured Vehicle in competitions, motor sports, pace-making, speed testing or reliability trails, transportation of goods or for hire as taxi (commercial use) or is being driven by any person not holding a licence to drive the Insured Vehicle; ... Failure of the Insured to observe usage guidance stipulated by the Manufacturer ... Normal Wear and Tear of the Parts of the Insured Vehicle as decided by authorised workshop; ... Gradual decline in output or performance due to age or usage of the Insured Vehicle; ... Any type of modification in the Insured Vehicle not approved by the Manufacturer; ... Accessories and all Consumable Items. ... Repairs to any parts which are not listed in the Policy Wording; ... All damages caused due to an Accident. ... Any claim which is fraudulent; ... Tampering of Odometer;","sources":[{"clause":"4(III)(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-iii-e"},{"clause":"4(IV)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-iv"},{"clause":"4(V)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-v"},{"clause":"4(VI)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-vi"},{"clause":"4(VII)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-vii"},{"clause":"4(VIII)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-viii"},{"clause":"4(XIII)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-xiii"}],"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 TATA AIG customer support by phone or email. If not resolved, escalate to manager.customersupport@tataaig.com, then the Head of Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Customer support by phone/email, then manager.customersupport@tataaig.com, then Head of Customer Services at head.customerservices@tataaig.com","note":null,"quote":"If youʼre not satisfied and wish to lodge a complaint, please call our 24*7 Customer Support No.: 022 6489 8282 or 022-66939500 (toll charges apply), or email us at customersupport@tataaig.com ... If you do not receive a response or are not satisfied with the resolution, please contact us at manager.customersupport@tataaig.com ... If you still need assistance, reach out to the Head of Customer Services at head.customerservices@tataaig.com. We will provide our final response within the regulatory TAT. If you're still not satisfied after this process, you may approach the Insurance Ombudsman of concerned jurisdiction.","sources":[{"clause":"Section VI","heading":"Grievance Redressal and Policyholders Protection","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-section-vi-2"}],"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":["Breakdown or failure of a mechanical, electronic or electrical part","repair or replacement costs including Call Out Charges","mechanical, electronic or electrical Breakdown of Insured Vehicle anywhere in India"],"display":"Repair or replacement costs, including call out charges, for mechanical, electronic or electrical breakdown or failure of covered parts","note":null,"quote":"The Company will indemnify the Insured during the Policy Period against the repair or replacement costs including Call Out Charges in respect of the Insured Vehicle caused by a Breakdown or failure of a mechanical, electronic or electrical part ... We will indemnify the Insured for the cost incurred as per Schedule for repair and replacement subject to terms, conditions and exclusions as mentioned in the Policy upon occurrence of mechanical, electronic or electrical Breakdown of Insured Vehicle anywhere in India within the Period of Insurance.","sources":[{"clause":"Section II","heading":"Scope Of Coverage","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-section-ii"},{"clause":"4","heading":"Rate of depreciation for all other parts will be as per following schedule","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-2"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time without assigning a reason if no claim has arisen; the company refunds premium proportionately by time on cover, subject to minimum retention. If cancelled before commencement, the company retains ₹200, and no refund is due if a claim has been made.","display":"Proportionate refund if no claim, subject to minimum retention; ₹200 retained before commencement; no refund if a claim has been made","note":null,"quote":"This Policy may be cancelled by the Insured at any time without assigning any reason provided no claim has arisen during the currency of the policy. The Company will refund premium on a proportionate basis by reference to the time cover as provided, subject to a minimum retention of premium. ... If the Policy is cancelled prior to commencement of the Policy Period, we will retain minimum premium of ₹200 towards administrative costs. ... No refund of premium shall be due on cancellation if a claim has been made under this Policy.","sources":[{"clause":"3(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-3-b"},{"clause":"3(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-3-c"},{"clause":"3(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-3-d"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers mechanical, electronic or electrical breakdown of the insured vehicle anywhere in India. The geographical area may be extended to Bangladesh, Bhutan, Nepal, Sri Lanka and Maldives.","display":"India; may be extended to Bangladesh, Bhutan, Nepal, Sri Lanka and Maldives","note":"The policy also states that claims are payable in India in Indian Rupees only unless otherwise specifically provided in the schedule.","quote":"mechanical, electronic or electrical Breakdown of Insured Vehicle anywhere in India within the Period of Insurance. ... The Geographical Area of Extended Warranty Policy may be extended to include:\na) Bangladesh\nb) Bhutan\nc) Nepal\nd) Sri Lanka\ne) Maldives","sources":[{"clause":"4","heading":"Rate of depreciation for all other parts will be as per following schedule","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-2"},{"clause":"5","heading":"Territorial Limits","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-5-2"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"not-applicable","value":null,"display":null,"note":"This is an extended warranty policy for two wheelers, not a comprehensive, standalone own-damage or third-party motor insurance policy.","quote":null,"sources":[],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"not-applicable","value":null,"display":null,"note":"The product covers extended warranty breakdown repair or replacement costs, not compulsory third-party motor liability.","quote":null,"sources":[],"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 documents do not set a theft or own-damage IDV. For this extended warranty policy, the CIS refers to fair market value, and the policy defines Sum Insured as the amount stated in the Schedule, which is the maximum amount of cover available.","display":"Fair Market Value determined by authorised representative; Sum Insured is the amount stated in Schedule and the maximum cover","note":"This is the warranty limit basis, not a theft or normal own-damage IDV.","quote":"Sum Insured / Motor Section II – Fair Market Value:- Determination of Fair Market Value of the Insured Vehicle will be | Section II\nInsured Declared | decided only by any authorised representative of the Company which will be final and binding on the\nValue Scope (IDV) | Insured. ... Sum Insured: Means the amount stated in the Schedule, which is (same as expressly stated to the contrary) maximum amount of cover available.","sources":[{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16950#c-customer-information-sheet-know-your-policy-2"},{"clause":"23","heading":"Sum Insured","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-23"}],"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 replaced parts, depreciation is deducted at 50% for all rubber/nylon/plastic parts, tyres, tubes and batteries; 30% for fibre glass components; NIL for glass; and for all other parts by vehicle age from NIL up to 50%. An optional Depreciation Reimbursement endorsement pays the depreciation deducted on replaced parts for the first 2 claims reported during the period of insurance.","display":"Parts replaced: rubber/nylon/plastic parts, tyres, tubes and batteries 50%; fibre glass 30%; glass NIL; other parts by age NIL to 50%","note":"The Depreciation Reimbursement endorsement applies only if shown on the schedule and on payment of additional premium.","quote":"Subject to a deduction of Depreciation at the rates mentioned below in respect to the parts replaced:\nSubject to a deduction for depreciation at the rates mentioned below in respect of the parts replaced\n1. For All Rubber/Nylon/Plastic Parts, tyres, tubes and batteries | 50%\n2. For Fibre glass components | 30%\n3. For All Parts made of Glass | NIL ... Age of the Vehicle | % of Depreciation\nNot Exceeding 6 months Exceeding 6 months but not exceeding 1 year Exceeding 1 year but not exceeding 2 years Exceeding 2 year but not exceeding 3 years Exceeding 3 years but not exceeding 4 years Exceeding 4 years but not exceeding 5 years Exceeding 5 years | NIL 5% 10% 15% 25% 35% 50% ... We will pay you the amount of Depreciation deducted on the value of parts replaced under Two Wheeler Extended Warranty Policy. We will pay for the first 2 claims reported to Us during the Period of Insurance.","sources":[{"clause":"Section II","heading":"Scope Of Coverage","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-section-ii"},{"clause":"4","heading":"Rate of depreciation for all other parts will be as per following schedule","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-2"},{"clause":"Section VI","heading":"Endorsements (Applicable is Shown on Schedule)","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-section-vi"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-applicable","value":null,"display":null,"note":"This is an extended warranty policy, not an own-damage motor policy with no-claim bonus on own-damage premium.","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":"Deductible is 5% of claim amount subject to a minimum of ₹1000 for each and every claim.","display":"5% of claim amount subject to minimum of ₹1000 of each and every claim","note":"The policy also defines deductible as the amount borne by the insured in respect of each and every claim and says the company's liability is over and above the deductible mentioned in the schedule.","quote":"Deductible: 5% of claim amount subject to minimum of ₹1000 of each and every claim.","sources":[{"clause":"4(III)(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-iii-e"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-stated","value":null,"display":null,"note":"The policy states a deductible per claim, but does not state an extra voluntary deductible chosen for a lower premium.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-applicable","value":null,"display":null,"note":"This extended warranty policy covers breakdown repair or replacement costs and is not a motor policy providing compulsory personal accident cover for an owner-driver.","quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"conflicting","value":["Extension of Geographical Area","Depreciation Reimbursement"],"display":"Extension of Geographical Area; Depreciation Reimbursement","note":"The policy wording lists endorsements on payment of additional premium. The CIS says: \"Add-On for the said Product | Not applicable under this Policy.\"","quote":"LTEW1. Extension of Geographical Area:\nIn consideration of the payment of an additional premium of ₹___________/- ... LTEW2. Depreciation Reimbursement:\nIn consideration of the payment of additional premium of ₹___________/- ... Add-On for the said Product | Not applicable under this Policy.","sources":[{"clause":"Section VI","heading":"Endorsements (Applicable is Shown on Schedule)","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-section-vi"},{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16950#c-customer-information-sheet-know-your-policy-2"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"The CIS describes cashless service. For cashless claims, after submission of the repair invoice to TATA AIG, a delivery order is shared with the workshop; the policy says the covered vehicle will be repaired only at authorised garages of the company or manufacturer.","display":"Yes, cashless service is described at authorised garages/workshops","note":null,"quote":"Details of procedure to be followed for Cashless Service as well as for Reimbursement of Claim ... Upon submission of repair invoice to\nTATA AIG in case of Cashless Claims,\ndelivery order is shared with workshop,\npost which Insured can take delivery of\nvehicle. ... In all circumstances the covered vehicle will be repaired only at authorised garages of Company or Manufacturer.","sources":[{"clause":"7(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16950#c-7-a"},{"clause":"4(III)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-iii"}],"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":["Usage of Insured Vehicle in competitions, motor sports, pace-making, speed testing or reliability trails, transportation of goods or for hire as taxi (commercial use) or is being driven by any person not holding a licence to drive the Insured Vehicle","Failure of the Insured to observe usage guidance stipulated by the Manufacturer","Normal Wear and Tear of the Parts of the Insured Vehicle as decided by authorised workshop","Gradual decline in output or performance due to age or usage of the Insured Vehicle","Any type of modification in the Insured Vehicle not approved by the Manufacturer","Frost, water, freezing liquids, rust, corrosion, sludge or silt or other foreign or waste matter","Overloading, strain, overturning, freezing excessive pressure, overheating or short- circuiting","Poor workmanship of service personnel of authorised workshop or faulty parts supplied/used by the authorised workshop","All damages caused due to an Accident","Any failure due to unauthorised repairs, improper handling (including but not limited to storage, dismantling, fitting, repair, alteration, modification), inaccurate diagnosis and/or repair, use of spurious parts","Damages caused by fire, theft, lighting, flood, road Accident, ingress of moisture or other risks which could be covered under Own Damage section of normal Two Wheeler Package Policy","Tampering of Odometer"],"display":"Competition, commercial use or unlicensed driving; failure to follow manufacturer guidance; wear and tear; gradual decline; unauthorised modification; frost/water/rust; overloading/overheating/short-circuiting; poor workmanship; accident damage; unauthorised repairs or spurious parts; fire, theft, flood or own-damage risks; odometer tampering","note":null,"quote":"Usage of Insured Vehicle in competitions, motor sports, pace-making, speed testing or reliability trails, transportation of goods or for hire as taxi (commercial use) or is being driven by any person not holding a licence to drive the Insured Vehicle; ... Failure of the Insured to observe usage guidance stipulated by the Manufacturer ... Normal Wear and Tear of the Parts of the Insured Vehicle as decided by authorised workshop; ... Gradual decline in output or performance due to age or usage of the Insured Vehicle; ... Any type of modification in the Insured Vehicle not approved by the Manufacturer; ... Frost, water, freezing liquids, rust, corrosion, sludge or silt or other foreign or waste matter; ... Overloading, strain, overturning, freezing excessive pressure, overheating or short- circuiting; ... Poor workmanship of service personnel of authorised workshop or faulty parts supplied/used by the authorised workshop; ... All damages caused due to an Accident. ... Any failure due to unauthorised repairs, improper handling (including but not limited to storage, dismantling, fitting, repair, alteration, modification), inaccurate diagnosis and/or repair, use of spurious parts ... Damages caused by fire, theft, lighting, flood, road Accident, ingress of moisture or other risks which could be covered under Own Damage section of normal Two Wheeler Package Policy; ... Tampering of Odometer;","sources":[{"clause":"4(IV)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-iv"},{"clause":"4(V)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-v"},{"clause":"4(VI)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-vi"},{"clause":"4(VII)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-vii"},{"clause":"4(VIII)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-viii"},{"clause":"4(X)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-x"},{"clause":"4(XI)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-xi"},{"clause":"4(XII)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-xii"},{"clause":"4(XIII)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-xiii"}],"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 CIS states the basis of sum insured is indemnity. The policy defines Sum Insured as the amount stated in the Schedule and maximum amount of cover available; per repair liability is limited to the original purchase price or Fair Market Value of the insured vehicle, whichever is lower, and aggregate claims are limited to the original purchase price or current cost of a similar vehicle, whichever is lower.","display":"Indemnity; Sum Insured stated in Schedule; per repair original purchase price or Fair Market Value, whichever is lower","note":null,"quote":"Structure | Basis of Sum Insured: Indemnity ... Sum Insured: Means the amount stated in the Schedule, which is (same as expressly stated to the contrary) maximum amount of cover available. ... The Companyʼs liability for any one repair shall be limited to the original purchase price of the Insured Vehicle or Fair Market Value of the Insured Vehicle whichever is lower. ... The sum of all the claims incurred during the Policy Period for any Insured Vehicle shall not exceed the original purchase price of the Insured Vehicle or current cost of the vehicle with similar feature, specification and functionality (at the time of said repair), whichever is lower.","sources":[{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16950#c-customer-information-sheet-know-your-policy-2"},{"clause":"23","heading":"Sum Insured","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-23"},{"clause":"4(III)(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-iii-a"},{"clause":"4(III)(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745#c-4-iii-b"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Extended Warranty Insurance Policy (IRDAN108RP0003V01201718)","pages":18,"fetched_at":"2026-10-17 20:02:18+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_two-wheeler_extended_warranty_insurance_policy.pdf_1caad23335.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16745"},{"kind":"wording","label":"Two Wheeler Extended Warranty Insurance Policy (IRDAI copy)","pages":19,"fetched_at":"2026-10-20 00:26:13+00","source_url":"https://irdai.gov.in/documents/37343/993134/789_Two_Wheeler_Extended_Warranty_Insurance_Policy_GEN1952.pdf/c759391d-b8f5-527d-449d-0cbd596c0a13?version=1.1&t=1668414888174&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/23473"},{"kind":"cis","label":"Two Wheeler Extended Warranty Insurance Policy (IRDAN108RP0003V01201718)","pages":8,"fetched_at":"2026-10-17 20:10:37+00","source_url":"https://www.tataaig.com/s3/two_wheeler_extended_warranty_insurance_policy_cis_269979dacc.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16950"},{"kind":"brochure","label":"Two Wheeler Extended Warranty Insurance Policy (IRDAN108RP0003V01201718)","pages":8,"fetched_at":"2026-10-17 20:02:25+00","source_url":"https://www.tataaig.com/s3/R1_Two_Wheeler_Extended_Warranty_Insurance_Policy_Prospectus_19_08_22_d4d0e10303.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/16742"},{"kind":"proposal","label":"Two Wheeler Extended Warranty Insurance Policy (IRDAN108RP0003V01201718)","pages":null,"fetched_at":"2026-10-17 20:02:30+00","source_url":"https://www.tataaig.com/s3/Proposal_Forms_long_term_two_wheeler_extended_warranty_insurance.pdf_6e2c4a2def.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718/document/31792"}],"versions":[{"uin":"IRDAN108P0003V01201718","version":null,"approved_on":null},{"uin":"IRDAN108RP0003V01201718","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","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 policy","url":"https://www.tataaig.com/grievance-redressal-policy","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."}],"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":"Two Wheeler Extended Warranty Insurance Policy (UIN IRDAN108RP0003V01201718), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/two-wheeler-extended-warranty-insurance-policy-irdan108rp0003v01201718"}