{"uin":"IRDAN108RP0007V01200001","name":"Auto Secure- Motor Trade Internal Risk","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001","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-commercial","category_name":"Commercial vehicle insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Auto Secure - Motor Trade Internal Risks covers damage to insured vehicles on the premises and liability to public risks. The CIS states compulsory deductibles of ₹50 for two wheelers and ₹500 for others, and says available add-ons are not applicable under this policy.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:19:53.465414+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 do not name plan variants inside the product.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Period of Insurance and the Schedule but does not print a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of claim must be given immediately after an actual or potential loss begins or as soon as reasonably possible; theft must be reported to the Police and Insurer within 48 hrs from theft.","display":"Immediately/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":"5(III)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-5-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":"quote-verified","value":["Claim Form (In prescribed format duly filled and signed)","Registration Certificate of the vehicle","Driving License of the person driving the vehicle at the time of accident","FIR – (In case of Third-Party Injuries/Property Damage/major losses)","repair invoice in original and a copy of cancelled cheque"],"display":"Claim Form, Registration Certificate, Driving License, FIR where applicable, and for reimbursement claims repair invoice in original and cancelled cheque copy","note":"The CIS says the list is tentative and the Company may ask for additional information/documents.","quote":"a) Claim Form (In prescribed format duly filled and signed). ... b) Registration Certificate of the vehicle. (Self-Attested by Insured / verification when ... c) Driving License of the person driving the vehicle at the time of accident. (Self-Attested by ... d) FIR – (In case of Third-Party Injuries/Property Damage/major losses). ... In case of Reimbursement Claims, Insured will have to submit repair invoice in original and a copy of cancelled cheque to TATA AIG.","sources":[{"clause":"13(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-13-a"},{"clause":"13(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-13-b"},{"clause":"13(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-13-c"},{"clause":"13(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-13-d"}],"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 TAT 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; claims settlement within 7 working days of receipt of all relevant documents","note":null,"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":"13(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-13-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":["loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres by application of brakes or by punctures, cuts or bursts","accidental loss damage and/or liability directly or indirectly proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with flood typhoon hurricane volcanic eruption earthquake or other convulsion of nature","Damage to property caused directly or indirectly by fire or explosion","Any consequence of burglary housebreaking or theft or any attempt thereat","Damage to property sustained while it is being worked upon and directly resulting from such work","Any defective workmanship","Death injury or damage caused by or through any demolition or of structural alteration or addition to the premises or by or through the installation of any equipment","Death injury or damage caused by or through or in connection with the use by the Insured of power driven cranes elevators lifts or hoists other than car hoists having a lift not exceeding 6 feet or its equivalent","Death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle by the Insured or any person in the service of or acting on behalf of the Insured","Damage to any motor vehicle or its accessories caused by weather conditions","Any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material"],"display":"Includes wear and tear/breakdown, tyre damage from braking/punctures/cuts/bursts, natural convulsions/war/civil unrest, fire or explosion, burglary/theft, work being done on property, defective workmanship, demolition/alteration/equipment installation, certain cranes/lifts/hoists, driving away from premises, weather damage, and nuclear weapons material","note":null,"quote":"For loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages. ... For damage to tyres by application of brakes or by punctures, cuts or bursts. ... Any accidental loss damage and/or liability directly or indirectly proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with flood typhoon hurricane volcanic eruption earthquake or other convulsion of nature ... Damage to property caused directly or indirectly by fire or explosion. ... Any consequence of burglary housebreaking or theft or any attempt thereat. ... Damage to property sustained while it is being worked upon and directly resulting from such work. ... Any defective workmanship; ... Death injury or damage caused by or through any demolition or of structural alteration or addition to the premises or by or through the installation of any equipment. ... Death injury or damage caused by or through or in connection with the use by the Insured of power driven cranes elevators lifts or hoists other than car hoists having a lift not exceeding 6 feet or its equivalent. ... Death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle by the Insured or any person in the service of or acting on behalf of the Insured. ... Damage to any motor vehicle or its accessories caused by weather conditions. ... Any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.","sources":[{"clause":"Section I","heading":"Damage","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-section-i"},{"clause":"2(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-a-2"},{"clause":"2(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-b-2"},{"clause":"2(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-c"},{"clause":"2(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-d"},{"clause":"2(e)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-e"},{"clause":"2(f)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-f"},{"clause":"2(g)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-g"},{"clause":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-i"},{"clause":"2(j)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-j"},{"clause":"2(k)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-k"}],"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 complain to TATA AIG by 24*7 Customer Support numbers or customersupport@tataaig.com. If unresolved, escalate to manager.customersupport@tataaig.com and then to the Head of Customer Services before approaching the Insurance Ombudsman.","display":"TATA AIG Customer Support, then manager.customersupport@tataaig.com, then Head of Customer Services","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 We will investigate and respond within the regulatory turnaround time (TAT). Escalation Level 1:\nIf you do not receive a response or are not satisfied with the resolution, please contact us at manager.customersupport@tataaig.com Escalation Level 2:\nIf you still need assistance, reach out to the Head of Customer Services at head.customerservices@tataaig.com.","sources":[{"clause":"Section VI","heading":"Grievance Redressal and Policyholders Protection","page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-section-vi"}],"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":["damage to any Insured Vehicle caused by accidental, external and visible means and occurring in or on the premises","Accidental Death of or bodily injury to any person other than a person in the insuredʼs service or a member of the Insuredʼs family or household","Any Insured Vehicle held in trust by or in the custody or control of the Insured","Other property not being property belonging to or held in trust by or in the custody or control of the insured"],"display":"Damage to insured vehicles on the premises by accidental, external and visible means; liability for accidental death/bodily injury and accidental damage to specified property","note":null,"quote":"the Company will indemnify the Insured against damage to any Insured Vehicle (including its accessories whilst thereon) the property of the Insured or any member of the Insuredʼs family or household caused by accidental, external and visible means and occurring in or on the premises. ... Accidental Death of or bodily injury to any person other than a person in the insuredʼs service or a member of the Insuredʼs family or household. ... Any Insured Vehicle (including its accessories whilst thereon) held in trust by or in the custody or control of the Insured. ... Other property not being property belonging to or held in trust by or in the custody or control of the insured","sources":[{"clause":"Section I","heading":"Damage","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-section-i"},{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-1"},{"clause":"2(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-a"},{"clause":"2(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-b"}],"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 refund is proportionate premium for the unexpired period in the running year and full refund for remaining full policy years where the period exceeds one year, subject to proof of other insurance at least for Liability Only Cover and the original Certificate of Insurance.","display":"Proportionate premium for the unexpired period in the running year, plus full refund for remaining full policy years if period exceeds one year, if no claim has arisen","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":null,"heading":"II. Cancellation by Insured","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-ii-cancellation-by-insured"}],"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 base damage cover applies to damage occurring in or on the premises.","display":"In or on the premises","note":"The wording does not print a country or address for the premises.","quote":"caused by accidental, external and visible means and occurring in or on the premises.","sources":[{"clause":"Section I","heading":"Damage","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-section-i"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Damage","Liability to the Public Risks"],"display":"Damage; Liability to the Public Risks","note":"The documents do not describe the cover as comprehensive, standalone own damage or third-party only.","quote":"Policy Coverage | 1. Damage 2. Liability to the Public Risks","sources":[{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#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, subject to limits in the Schedule, for sums the insured becomes legally liable to pay for accidental death or bodily injury to persons other than employees/family/household, and for specified accidental damage to vehicles or other property on or about the premises.","display":"Liability to public risks, subject to Schedule limits, for accidental death/bodily injury and specified property damage","note":"The wording says liability is subject to the limits in the Schedule; it does not print unlimited death or injury cover.","quote":"Subject to the Limits of liability as laid down in the Schedule hereto the Company will indemnify the Insured against all sums including claimantʼs costs and expenses which the Insured shall become legally liable to pay in respect of: ... Accidental Death of or bodily injury to any person other than a person in the insuredʼs service or a member of the Insuredʼs family or household. ... Any Insured Vehicle (including its accessories whilst thereon) held in trust by or in the custody or control of the Insured. ... Other property not being property belonging to or held in trust by or in the custody or control of the insured occurring in on or about the premises","sources":[{"clause":"Section II","heading":"Liability To The Public Risks","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-section-ii"},{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-1"},{"clause":"2(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-a"},{"clause":"2(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-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":"IDV is based on the manufacturer's listed selling price of the brand and model at the start of insurance or renewal, adjusted for depreciation. For vehicles over 5 years old and obsolete models, it is determined by agreement between insurer and insured, and is treated as Market Value throughout the policy period for TL, TT or CTL claims.","display":"Manufacturer's listed selling price adjusted for depreciation; over 5 years old and obsolete models by agreement; treated as Market Value for TL/TT/CTL","note":null,"quote":"The IDV (Insured Declared Value) of the vehicle (and any fitted accessories) is based on the manufacturer's listed selling price of the brand and model at the start of Insurance or renewal, adjusted for depreciation. For vehicles over 5 years old and obsolete models, the IDV is determined by agreement between the Insurer and Insured. The IDV is considered the 'Market Value' throughout the Policy Period without further depreciation for Total Loss (TL) or Total Theft of the Insured Vehicle (TT) or Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-customer-information-sheet-know-your-policy-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":"not-stated","value":null,"display":null,"note":"The wording says partial losses are subject to depreciation as per specified limits, but the supplied clauses do not print the depreciation rates for parts.","quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-stated","value":null,"display":null,"note":"The CIS mentions No Claim Bonus only in the context of correcting errors, and does not print an NCB discount scale.","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":"Compulsory Deductible under Section I is ₹50 for Two Wheelers and ₹500 for others.","display":"₹50 for Two Wheelers; ₹500 for others","note":"The CIS sample claims calculation uses ₹2,000 as the compulsory deductible in the example.","quote":"Compulsory Deductible under ‘Section I’:\n1. ₹50/- for Two Wheelers and\n2. ₹500/- for others. ... D | Less: Compulsory Deductible | (₹2,000)","sources":[{"clause":"7","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-7"},{"clause":"13","heading":"Deductible","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-13"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-stated","value":null,"display":null,"note":"The documents state a compulsory/schedule deductible, but do not state any voluntary deductible chosen for 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-stated","value":null,"display":null,"note":"The supplied clauses do not state 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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless service is described: after claim intimation and confirmation of workshop location, a surveyor is appointed, documents are verified, repair approval is shared, and after submission of the repair invoice the delivery order is shared with the workshop.","display":"Cashless service procedure is available through workshop approval and delivery order","note":"The CIS describes cashless service but does not use the term network garages.","quote":"Details of procedure to be followed for Cashless Service as well as for Reimbursement of Claim: ... First contact team connects with Insured to confirm workshop location and confirm if the vehicle is placed for repairs. ... Appointment of Surveyor by TATA AIG. ... Documents are verified by the Surveyor, and if all documents are in order, repair approval is shared immediately. ... 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":"13","heading":"Deductible","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-13"},{"clause":"13(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-13-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":["loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres by application of brakes or by punctures, cuts or bursts","Damage to property caused directly or indirectly by fire or explosion","Any consequence of burglary housebreaking or theft or any attempt thereat","Damage to property sustained while it is being worked upon and directly resulting from such work","Any defective workmanship","Death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle by the Insured or any person in the service of or acting on behalf of the Insured","Damage to any motor vehicle or its accessories caused by weather conditions","The Company shall not cover any expense arising or resulting from or traceable to an accident happening whilst you are under the influence of intoxicating liquor or drugs"],"display":"Includes wear and tear/breakdown, tyre damage from braking/punctures/cuts/bursts, fire or explosion, burglary/theft, damage while being worked on, defective workmanship, driving away from premises, weather damage, and intoxication","note":"The supplied clauses do not print a no-valid-licence exclusion.","quote":"For loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages. ... For damage to tyres by application of brakes or by punctures, cuts or bursts. ... Damage to property caused directly or indirectly by fire or explosion. ... Any consequence of burglary housebreaking or theft or any attempt thereat. ... Damage to property sustained while it is being worked upon and directly resulting from such work. ... Any defective workmanship; ... Death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle by the Insured or any person in the service of or acting on behalf of the Insured. ... Damage to any motor vehicle or its accessories caused by weather conditions. ... The Company shall not cover any expense arising or resulting from or traceable to an accident happening whilst you are under the influence of intoxicating liquor or drugs.","sources":[{"clause":"Section I","heading":"Damage","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-section-i"},{"clause":"2(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-b-2"},{"clause":"2(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-c"},{"clause":"2(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-d"},{"clause":"2(e)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-e"},{"clause":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-i"},{"clause":"2(j)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722#c-2-j"},{"clause":"13","heading":"Deductible","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-13"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is indemnity. For Section I damage, the vehicle IDV is based on the manufacturer's listed selling price at the start of insurance or renewal adjusted for depreciation; for vehicles over 5 years old and obsolete models, IDV is by agreement.","display":"Basis of Sum Insured: Indemnity; IDV based on manufacturer's listed selling price adjusted for depreciation","note":null,"quote":"Basis of Sum Insured: Indemnity ... The IDV (Insured Declared Value) of the vehicle (and any fitted accessories) is based on the manufacturer's listed selling price of the brand and model at the start of Insurance or renewal, adjusted for depreciation. For vehicles over 5 years old and obsolete models, the IDV is determined by agreement between the Insurer and Insured.","sources":[{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941#c-customer-information-sheet-know-your-policy-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Auto Secure- Motor Trade Internal Risk (IRDAN108RP0007V01200001)","pages":12,"fetched_at":"2026-10-17 20:01:15+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_auto_secure_motor_trade_internal_risks.pdf_4fbcad27ea.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16722"},{"kind":"cis","label":"Auto Secure- Motor Trade Internal Risk (IRDAN108RP0007V01200001)","pages":8,"fetched_at":"2026-10-17 20:10:11+00","source_url":"https://www.tataaig.com/s3/auto_secure_motor_trade_internal_risks_cis_91b424a7b4.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16941"},{"kind":"brochure","label":"Auto Secure- Motor Trade Internal Risk (IRDAN108RP0007V01200001)","pages":4,"fetched_at":"2026-10-17 20:01:19+00","source_url":"https://www.tataaig.com/s3/Auto_Secure_Motor_Trade_Internal_Risks_Brochure_8e3042948f.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/16728"},{"kind":"proposal","label":"Auto Secure- Motor Trade Internal Risk (IRDAN108RP0007V01200001)","pages":null,"fetched_at":"2026-10-17 20:01:10+00","source_url":"https://www.tataaig.com/s3/Motortrade_Internal_Risk_8cea0c995d.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001/document/31778"}],"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":"Auto Secure- Motor Trade Internal Risk (UIN IRDAN108RP0007V01200001), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-motor-trade-internal-risk-irdan108rp0007v01200001"}