{"uin":"IRDAN108RP0006V02201819","name":"Bundled Auto Secure – Private Car Policy (1 Year term for Own Damage & 3 Years for Third Party)","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819","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-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Bundled Auto Secure - Private Car Policy covers a private car for loss or damage, third-party liability, and owner-driver personal accident if opted. It has a 1 year term for own damage and 3 years for third-party cover, with IDV as the sum insured and market value for total loss, theft and CTL claims.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:21:33.021502+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 Year Term for Own Damage & 3 Years for Third-Party.","display":"1 Year Term for Own Damage & 3 Years for Third-Party","note":null,"quote":"Bundled Auto Secure - Private Car Policy (1 Year Term for Own Damage & 3 Years for Third-Party)","sources":[{"clause":"Row 1","heading":"Name of the Insurance Product/Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16960#c-row-1"}],"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 of claim must be given immediately after an actual or potential loss begins or as soon as reasonably possible. For theft, the insured should report to the Police and insurer within 48 hrs and obtain an FIR or written acknowledgement.","display":"Immediately or as soon as reasonably possible; theft within 48 hrs to Police and insurer","note":null,"quote":"If the claim is for theft, Insured should report to the Police as well as Insurer within 48 hrs from theft and obtain an FIR or a written acknowledgement from the Police authorities. Notice of claim must be given by you to us immediately after an actual or potential loss begins or as soon as reasonably possible after actual or potential loss begins.","sources":[{"clause":"9(III)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-9-iii"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Claim payment is through NEFT within 7 days from receipt of all relevant documents. The same CIS also says all claims shall be settled within 7 working days of receipt of all relevant documents, including original bills and clarifications, if any.","display":"NEFT within 7 days from receipt of all relevant documents; TAT says 7 working days","note":"The two timings appear in the CIS: 7 days for NEFT payment and 7 working days for settlement TAT.","quote":"Claim payment is done through NEFT within 7 days from receipt of all relevant documents. ... All claims shall be settled within 7 working days of the receipt of all relevant documents, including original bills & clarifications, if any.","sources":[{"clause":"11(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16960#c-11-d"}],"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 Useʼ","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 Driverʼs Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Main exclusions include wear and tear/breakdown, tyres unless vehicle also damaged, drunk/drugged driving, outside geographical area, contractual liability, improper use, unauthorised driver, radiation/nuclear and war risks.","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs. ... Any accidental loss or damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the ‘Limitations as to Useʼ ... 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 Driverʼs Clause. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"6(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-a"},{"clause":"6(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-b"},{"clause":"6(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-c"},{"clause":"1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-1-4"},{"clause":"2","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-2-3"},{"clause":"3(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-3-a"},{"clause":"3(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-3-b"},{"clause":"5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-5-4"},{"clause":"6","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-2"}],"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 satisfied, escalate to manager.customersupport@tataaig.com, then to the Head of Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Customer support first, then manager.customersupport@tataaig.com, then 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.","sources":[{"clause":"9(III)(e)(iv)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-9-iii-e-iv"}],"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":["By fire, explosion self-ignition or lightning","By burglary, housebreaking or theft","By riot and strike","By earthquake (Fire and Shock Damage)","By flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost","By accidental external means","By malicious act","By terrorist activity","Whilst in transit by road rail inland - waterway lift elevator or air","By landslide, rockslide"],"display":"Fire/explosion/lightning, burglary/housebreaking/theft, riot/strike, earthquake, flood and storm perils, accidental external means, malicious act, terrorism, transit, landslide/rockslide","note":null,"quote":"i) 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/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-1-2"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel at any time without assigning a reason if no claim has arisen. The refund is proportionate premium for the unexpired period in the running year and full refund for remaining full policy years, subject to proof of other Liability Only cover and original Certificate of Insurance.","display":"Proportionate refund for unexpired running year and full refund for remaining full policy years, if no claim and other Liability Only cover proof is submitted","note":null,"quote":"The Policy may be cancelled at any time by the Insured without assigning any reason provided no claim has arisen during the Period of Insurance. The Insured shall be entitled to a refund of proportionate premium for the unexpired period in the running year and full refund of premium for remaining full Policy Years (where Period of Insurance exceeds one year) subject to submission of proof that vehicle is Insured elsewhere at least for Liability Only Cover and original Certificate of Insurance.","sources":[{"clause":"6(II)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-ii"}],"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":"India only for the base policy, as the brochure states use outside India is a major exclusion.","display":"India only","note":"From the sales brochure. The policy wording itself excludes loss outside the Geographical Area but does not define that area in the extracted clauses.","quote":"If the vehicle is used outside the geographical area i.e. outside India","sources":[{"clause":null,"heading":"Major exclusions of the policy are","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16765#c-major-exclusions-of-the-policy-are"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Loss or Damage to Insured Vehicle","Liability to Third-Parties","Personal Accident Cover for Owner-Driver (If opted and shown in the Policy Schedule)"],"display":"Bundled own-damage and third-party private car policy; PA owner-driver if opted","note":null,"quote":"Bundled Auto Secure - Private Car Policy (1 Year Term for Own Damage & 3 Years for Third-Party) ... 1. Loss or Damage to Insured Vehicle 2. Liability to Third-Parties 3. Personal Accident Cover for Owner-Driver (If opted and shown in the Policy Schedule)","sources":[{"clause":"Row 1","heading":"Name of the Insurance Product/Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16960#c-row-1"},{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16960#c-customer-information-sheet-know-your-policy-2"}],"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, and for damage to property other than property belonging to, held in trust by, or in the custody or control of the insured, subject to Schedule limits.","display":"Covers legal liability for death/bodily injury to any person including occupants and third-party property damage, subject to Schedule limits","note":"The extracted policy wording refers liability limits to the Schedule and does not print an unlimited death/injury limit.","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: ... Death of or bodily injury to any person including occupants carried in the vehicle ... 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":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-1-3"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-1-a"},{"clause":"1(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-1-b"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value (IDV) is the Sum Insured for the vehicle, fixed at the start of each period/policy year based on the manufacturer's listed selling price adjusted for depreciation. For total loss, total theft and constructive total loss claims it is treated as the Market Value throughout the period without further depreciation.","display":"IDV is the Sum Insured; fixed from manufacturer's listed selling price adjusted for depreciation and treated as Market Value for TL/TT/CTL","note":null,"quote":"The Insuredʼs Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insuredʼ for the purpose of this Policy which is fixed at the commencement of each Period of Insurance / Policy Year ... fixed on the basis of the manufacturerʼs listed selling price ... adjusted for depreciation ... IDV shall be treated as the ‘Market Valueʼ throughout the Period of Insurance / Policy Year ... without any further depreciation for the purpose of Total Loss (TL) / Total Theft of the Insured Vehicle (TT) / Constructive Total Loss (CTL) claims.","sources":[{"clause":"6(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-c-2"}],"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, rubber/nylon/plastic parts, tyres, tubes and batteries have 50% depreciation, fibre glass components 30%, and glass nil. Other parts including wooden parts range from nil up to 6 months to 50% after 10 years; painting has 50% depreciation on material cost only.","display":"Parts depreciation: 50% rubber/nylon/plastic, tyres, tubes, batteries; 30% fibre glass; nil glass; other parts 0% to 50% by vehicle age; painting 50% on material cost","note":null,"quote":"1. 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 | NIL\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 year but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50% ... Rate of depreciation for painting: In the case of painting, depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-1-2"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden parts will be as per following","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-4-2"},{"clause":"5","heading":"Rate of depreciation for painting","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-5-2"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"conflicting","value":"NCB is earned only in the Own Damage section and applies at renewal after 12 months. The wording table gives discounts on own-damage premium of 20%, 25%, 35%, 40% and 50% for 1 to 5 preceding claim-free years.","display":"20%, 25%, 35%, 40%, 50% on own-damage premium for 1 to 5 claim-free years","note":"The lower-priority brochure says the 4-year NCB discount is 45%: \"No claim made or pending during the preceding 4 | 45%\". The policy wording says 40%.","quote":"No Claim Bonus(NCB) can be earned only in the Own Damage section of Policies. ... An Insured becomes entitled to NCB only at the renewal of a Policy after the expiry of the full duration of 12 months. ... All Types of Vehicles | % of Discount on Own Damage Premium\nNo claim made or pending during the preceding full year of Insurance No claim made or pending during the preceding 2 consecutive years of Insurance No claim made or pending during the preceding 3 consecutive years of Insurance No claim made or pending during the preceding 4 consecutive years of Insurance No claim made or pending during the preceding 5 consecutive years of Insurance | 20% 25% 35% 40% 50%","sources":[{"clause":"8(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-8-a"},{"clause":"8(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-8-b"},{"clause":"14(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16765#c-14-b-5"}],"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":"Compulsory deductible under loss of or damage to the insured vehicle is ₹1000 for private cars <=1500CC and ₹2000 for private cars >1500CC.","display":"<=1500CC: ₹1000; >1500CC: ₹2000","note":null,"quote":"Compulsory Deductible under ‘Loss of or Damage to The Vehicle Insured’: 1. <=1500CC: ₹1000 2. > 1500CC: ₹2000","sources":[{"clause":"Row 1(f)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16960#c-row-1-f-2"}],"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":"quote-verified","value":"Optional voluntary deductible under Section 1; if opted, the insured bears the first amount shown in the Policy Schedule for each event, including total loss or constructive total loss.","display":"Optional voluntary deductible: first amount in the Policy Schedule per event under Section 1","note":"Optional; amount is as shown in the Schedule.","quote":"It is by declared and agreed that the Insured having opted a voluntary deductible of ₹__________ (refer Schedule) a reduction in premium of ₹________ under Section 1 of the Policy is hereby allowed. ... the Insured shall bear under Section 1 of the Policy in respect of each and every event (including event giving rise to a total loss/constructive total loss) the first ₹________(refer Policy Schedule)","sources":[{"clause":null,"heading":"IMT22. A) Voluntary Deductible","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-imt22-a-voluntary-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Owner-driver PA pays compensation for death, specified loss of limbs/sight and permanent total disablement caused by accidental bodily injury in direct connection with the insured vehicle. Total liability is up to ₹15 lakhs during any one period of insurance, subject to the owner-driver being the registered owner, the named insured and holding an effective driving licence.","display":"Owner-driver PA up to ₹15 lakhs; 100% death/PTD and specified severe injuries, 50% loss of one limb or sight of one eye","note":"The CIS describes this cover as \"If opted and shown in the Policy Schedule\".","quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the owner-driver of the vehicle, in direct connection with the Vehicle Insured ... Nature of Injury | Scale of Compensation\ni) Death ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye iii) Loss of one limb or sight of one eye iv) Permanent Total Disablement from injuries other than named above | 100% 100% 50% 100% ... the total liability of the Insurer shall not in the aggregate exceed the sum of ₹15 lakhs during any one Period of Insurance. ... a) The owner-driver is the registered owner of the Vehicle Inured 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":"Personal Accident Cover for Owner-Driver","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-section-iii"}],"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":["Depreciation Reimbursement – Private Car Bundled","Return to Invoice - Private Car Bundled","No Claim Bonus Protection Cover - Private Car Bundled","Repair of Glass, Fiber, Plastic & Rubber Parts - Private Car Bundled","Loss of Personal belongings - Private Car Bundled","Emergency Transport & Hotel Expenses - Private Car Bundled","Key Replacement - Private Car Bundled","Engine Secure - Private Car Bundled","Tyre Secure - Private Car Bundled","Consumable Expenses - Private Car Bundled","Road Side Assistance – Private Car Bundled","Additional Third-Party Property Damage Cover","Emergency Medical Expenses","Additional Towing Charges","Misfuelling","Electric Surge Secure - Private Car Bundled","Depreciation Reimbursement - Battery - Private Car Bundled","Vehicle Loan Protector - Private Car Bundled","Daily Allowance Plus - Private Car Bundled","Reinstate Cover- Private Car Bundled","Pay As You Drive Add-On - Private Car Bundled","Rim Secure – Private Car Bundled","Battery Convenience Cover – Private Car Bundled","Wall Charger Protect – Private Car Bundled","Emergency Transportation Cover – Private Car Bundled","Compassionate Travel/Stay Cover – Private Car Bundled","Loss of Documents – Private Car Bundled","Physical Wallet Protect – Private Car Bundled","Missed Air Travel Protect – Private Car Bundled","Missed Train and/or Bus Travel Protect – Private Car Bundled"],"display":"Depreciation reimbursement, return to invoice, NCB protection, glass/fibre/plastic/rubber repair, personal belongings, emergency transport/hotel, key replacement, engine secure, tyre secure, consumables, RSA, additional TP property damage, emergency medical, additional towing, misfuelling, EV/battery/charger covers, loan protector, daily allowance, reinstate, pay-as-you-drive, rim, travel and document/wallet covers","note":"Each add-on applies only if shown on the Policy Schedule and is not part of the base cover unless opted.","quote":"TA01 - Depreciation Reimbursement – Private Car Bundled ... TA05 - Return to Invoice - Private Car Bundled ... TA06 - No Claim Bonus Protection Cover - Private Car Bundled ... TA08 - Repair of Glass, Fiber, Plastic & Rubber Parts - Private Car Bundled ... TA09 - Loss of Personal belongings - Private Car Bundled ... TA10 - Emergency Transport & Hotel Expenses - Private Car Bundled ... TA15 - Key Replacement - Private Car Bundled ... TA16 - Engine Secure - Private Car Bundled ... TA17 - Tyre Secure - Private Car Bundled ... TA18 - Consumable Expenses - Private Car Bundled ... TA19 - Road Side Assistance – Private Car Bundled ... TA21 - Additional Third-Party Property Damage Cover ... TA22 - Emergency Medical Expenses ... TA23 - Additional Towing Charges ... TA24 - Misfuelling ... TA29 Electric Surge Secure - Private Car Bundled ... TA30 Depreciation Reimbursement - Battery - Private Car Bundled ... TA25 - Vehicle Loan Protector - Private Car Bundled ... TA20 - Daily Allowance Plus - Private Car Bundled ... TA35 - Reinstate Cover- Private Car Bundled ... TA42 - Pay As You Drive Add-On - Private Car Bundled ... TA43 - Rim Secure – Private Car Bundled ... TA44 - Battery Convenience Cover – Private Car Bundled ... TA45 - Wall Charger Protect – Private Car Bundled ... TA46 - Emergency Transportation Cover – Private Car Bundled ... TA47 - Compassionate Travel/Stay Cover – Private Car Bundled ... TA48 - Loss of Documents – Private Car Bundled ... TA49 - Physical Wallet Protect – Private Car Bundled ... TA50 - Missed Air Travel Protect – Private Car Bundled ... TA51 - Missed Train and/or Bus Travel Protect – Private Car Bundled","sources":[{"clause":null,"heading":"IMT22. A) Voluntary Deductible","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-imt22-a-voluntary-deductible"},{"clause":null,"heading":"Emergency Towing Assistance","page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-emergency-towing-assistance"},{"clause":"9(III)(b)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-9-iii-b-5"},{"clause":"9(III)(e)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-9-iii-e"},{"clause":"9(III)(e)(iii)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-9-iii-e-iii"},{"clause":"9(III)(e)(iv)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-9-iii-e-iv"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless claims are supported. After repair invoice is submitted to TATA AIG in a cashless claim, a delivery order is shared with the workshop and the insured can take delivery of the vehicle.","display":"Yes, cashless claims with workshop delivery order after repair invoice","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 TATA AIG in case of Cashless Claims, delivery order is shared with workshop, post which Insured can take delivery of vehicle.","sources":[{"clause":"11","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16960#c-11"},{"clause":"11(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16960#c-11-d"}],"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 Useʼ","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 Driverʼs Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/breakdown, tyres unless vehicle also damaged, drunk/drugged driving, outside geographical area, contractual liability, use outside limitations, unauthorised driver, radiation/nuclear and war risks","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... Damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs. ... Any accidental loss or damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the ‘Limitations as to Useʼ ... 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 Driverʼs Clause. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"6(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-a"},{"clause":"6(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-b"},{"clause":"6(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-c"},{"clause":"1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-1-4"},{"clause":"2","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-2-3"},{"clause":"3(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-3-a"},{"clause":"3(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-3-b"},{"clause":"5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-5-4"},{"clause":"6","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-2"}],"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 cover amount for the vehicle is based on Insured's Declared Value (IDV), deemed to be the Sum Insured and treated as Market Value for total loss, total theft and constructive total loss claims.","display":"IDV, treated as Market Value for TL/TT/CTL","note":null,"quote":"The Insuredʼs Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insuredʼ for the purpose of this Policy ... IDV shall be treated as the ‘Market Valueʼ throughout the Period of Insurance / Policy Year (where Period of Insurance exceeds one year), as the case may be, without any further depreciation for the purpose of Total Loss (TL) / Total Theft of the Insured Vehicle (TT) / Constructive Total Loss (CTL) claims.","sources":[{"clause":"6(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759#c-6-c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Bundled Auto Secure – Private Car Policy (1 Year term for Own Damage & 3 Years for Third Party) (IRDAN108RP0006V02201819)","pages":49,"fetched_at":"2026-10-17 20:02:57+00","source_url":"https://www.tataaig.com/s3/Bundled_Auto_Secure_Private_Car_Policy_Policy_Wording_ef51d736f3.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16759"},{"kind":"wording","label":"Daily Allowance Plus -Bundled Auto Secure - Private Car Policy (IRDAI copy)","pages":6,"fetched_at":"2026-10-20 01:41:14+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN108RP0006V02201819A0002V01202021_GEN4284.pdf/651ec1ed-99db-48af-c0cd-590046ef8d11?version=1.1&t=1668769600310&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/27011"},{"kind":"cis","label":"Bundled Auto Secure – Private Car Policy (1 Year term for Own Damage & 3 Years for Third Party) (IRDAN108RP0006V02201819)","pages":12,"fetched_at":"2026-10-17 20:11:01+00","source_url":"https://www.tataaig.com/s3/bundled_auto_secure_private_car_policy_cis_168e1d5615.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16960"},{"kind":"brochure","label":"Bundled Auto Secure – Private Car Policy (1 Year term for Own Damage & 3 Years for Third Party) (IRDAN108RP0006V02201819)","pages":15,"fetched_at":"2026-10-17 20:03:04+00","source_url":"https://www.tataaig.com/s3/Bundled_Auto_Secure_Private_Car_Policy_Brochure_993eb45318.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/16765"},{"kind":"proposal","label":"Bundled Auto Secure – Private Car Policy (1 Year term for Own Damage & 3 Years for Third Party) (IRDAN108RP0006V02201819)","pages":null,"fetched_at":"2026-10-17 20:03:10+00","source_url":"https://www.tataaig.com/s3/Bundled_Auto_Secure_Private_Car_Policy_Proposal_Form_8523260b94.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819/document/31798"}],"versions":[],"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":"Bundled Auto Secure – Private Car Policy (1 Year term for Own Damage & 3 Years for Third Party) (UIN IRDAN108RP0006V02201819), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/bundled-auto-secure-private-car-policy-1-year-term-for-own-damage-and-3-years-fo-irdan108rp0006v02201819"}