{"uin":"IRDAN108RP0020V01202223","name":"Auto Secure Private Car Extended Warranty Insurance Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223","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":"This is a private car extended warranty insurance policy that indemnifies repair or replacement costs for covered mechanical, electronic or electrical breakdowns from manufacturing defect or poor workmanship. The sum insured basis is indemnity with purchase price of the vehicle, roadside assistance is included, and third-party liability is not covered.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:22:46.412488+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.","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":"The policy runs from the risk inception date and time shown in the Schedule until midnight on the expiry date shown in the Schedule, or until completion of the kilometres specified in the Schedule, whichever is earlier.","display":"From risk inception to the Schedule expiry date, or completion of the kilometres specified in the Schedule, whichever is earlier","note":null,"quote":"Policy Period/Period of Insurance means the period commencing from the risk Inception date and time as shown in the Schedule and terminating at midnight on the expiry date as shown in the Schedule or the completion of the kilometers as specified in the Schedule whichever is earlier.","sources":[{"clause":"9","heading":"Policy Period/Period of Insurance","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-9"}],"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":"The event must be intimated in writing immediately of its occurrence. The completed claim form with details, estimate and supporting documents must be delivered within 7 days.","display":"Immediate written intimation; completed claim form and documents within 7 days","note":null,"quote":"The event shall be intimated, in writing, to the Company immediately of its occurrence. ... The Insured shall within 7 days deliver to the Company its completed claim form detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company","sources":[{"clause":"Section V(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-i"},{"clause":"Section V(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-c"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["all reasonable information, assistance and proofs in connection with any claim hereunder including but not restricted to service booklets, ownerʼs manual etc.","duly signed completed claim form","Copy of Motor Extended Warranty Insurance Policy","Manufacturerʼs warranty certificate whenever required","Original documents, indicating the purchase/invoice price of the Insured Vehicle or the documents of transfer of ownership in case, the Vehicle is a second- hand purchase, including but not limited to the registration certificate for the Insured Vehicle","No objection certificate (NOC) from Finance Company, if hypothecated, in case of total loss cases","Copy of all the maintenance/service invoices/records of the Insured Vehicle, prior to the Insured Event","All documentary evidence pertaining to transfer of ownership of the Insured Vehicle","Any other document as may be appropriately applicable against the warranty claim registered"],"display":"Claim form, policy copy, warranty certificate where required, purchase or transfer documents including RC, NOC if hypothecated for total loss, service records, transfer evidence, and other applicable warranty-claim documents","note":null,"quote":"Tender to the Company all reasonable information, assistance and proofs in connection with any claim hereunder including but not restricted to service booklets, ownerʼs manual etc. ... Submit duly signed completed claim form. ... Copy of Motor Extended Warranty Insurance Policy. ... Manufacturerʼs warranty certificate whenever required. ... Original documents, indicating the purchase/invoice price of the Insured Vehicle or the documents of transfer of ownership in case, the Vehicle is a second- hand purchase, including but not limited to the registration certificate for the Insured Vehicle. ... No objection certificate (NOC) from Finance Company, if hypothecated, in case of total loss cases ... Copy of all the maintenance/service invoices/records of the Insured Vehicle, prior to the Insured Event. viii.All documentary evidence pertaining to transfer of ownership of the Insured Vehicle.\nix. Any other document as may be appropriately applicable against the warranty claim registered.","sources":[{"clause":"Section V(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-i"},{"clause":"Section V(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-ii"},{"clause":"Section V(iii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-iii"},{"clause":"Section V(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-iv"},{"clause":"Section V(v)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-v"},{"clause":"Section V(vi)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-vi"},{"clause":"Section V(vii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-vii"}],"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":"conflicting","value":"Claims are to be settled within 7 working days of receipt of all relevant documents, including original bills and clarifications if any.","display":"Within 7 working days of receipt of all relevant documents","note":"The lower-priority brochure says: \"In the event the claim is not settled within 30 days as stipulated above\".","quote":"All claims shall be settled within 7 working days of the receipt of all relevant documents, including original bills & clarifications, if any. ... In the event the claim is not settled within 30 days as stipulated above, the Company shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the Insured/claimant by Company till the date of actual payment.","sources":[{"clause":"11","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16981#c-11"},{"clause":"Section V","heading":"CLAIM PROCEDURE","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16799#c-section-v"}],"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":["Any claim occurring beyond the expiry date or the completion of the kilometers as specified in the Schedule whichever is earlier.","Failure of the Insured to observe usage guidance stipulated by the Manufacturer including neglect of the periodic maintenance as specified by manufacturer in the ownerʼs manual and/or service booklet.","Any repairs/replacement on account of mechanical, electronic or electrical failure existing before the commencement of Period of Insurance","Deductible amount as mentioned in the Schedule.","Any claim arising within Time Excess as specified in the Schedule.","Normal maintenance services like oils & fluid changes, head lamps focusing, fastener retightening, center hub cap/wheel cover, wheel balancing and alignment, tyre rotation, adjustment of valve clearance, ignition timing and consumables like bulbs, air and gas leaks in case of air-conditioned Vehicle.","Any damage that results from use of non-genuine parts, non-genuine oils, non-genuine coolants or accessories or other than those recommended by the manufacturer.","Any accessories, attachments or modification not authorised by the manufacturer","Any claims for repair/replacement of parts covered under the standard Manufacturerʼs Warranty Policy or under any other extended Warranty program","Loss or damage arising out of accident or a collision caused by external impact","Any loss or damage if the vehicle is used as a hired taxi or is being driven by any person not holding a license to drive the Insured Vehicle.","This warranty shall not apply to any Legal liability, death or injury to occupants, third-party and Damage to personal property and Third-Party property damages."],"display":"Claims after expiry or kilometre limit, failure to follow manufacturer use or maintenance, pre-existing failures, deductible, Time Excess, maintenance and consumables, non-genuine parts, unauthorised modifications, manufacturer warranty items, accident or collision, hired taxi or unlicensed driving, and legal liability or third-party/property damage","note":null,"quote":"Any claim occurring beyond the expiry date or the completion of the kilometers as specified in the Schedule whichever is earlier. ... Observe usage guidance stipulated by the Manufacturer including neglect of the periodic maintenance as specified by manufacturer in the ownerʼs manual and/or service booklet. ... Any repairs/replacement on account of mechanical, electronic or electrical failure existing before the commencement of Period of Insurance ... Deductible amount as mentioned in the Schedule. ... Any claim arising within Time Excess as specified in the Schedule. ... Normal maintenance services like oils & fluid changes, head lamps focusing, fastener retightening, center hub cap/wheel cover, wheel balancing and alignment, tyre rotation, adjustment of valve clearance, ignition timing and consumables like bulbs, air and gas leaks in case of air-conditioned Vehicle. ... Any damage that results from use of non-genuine parts, non-genuine oils, non-genuine coolants or accessories or other than those recommended by the manufacturer. ... Any accessories, attachments or modification not authorised by the manufacturer as original accessories, attachment or manufacturer approved modification and changes. ... Any claims for repair/replacement of parts covered under the standard Manufacturerʼs Warranty Policy or under any other extended Warranty program including Parts wherein long-term guarantee is provided by the Manufacturer itself. ... Loss or damage arising out of accident or a collision caused by external impact ... Any loss or damage if the vehicle is used as a hired taxi or is being driven by any person not holding a license to drive the Insured Vehicle. ... This warranty shall not apply to any\na) Legal liability, death or injury to occupants, third-party and\nb) Damage to personal property and Third-Party property damages.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-1-2"},{"clause":"2","heading":"Failure of the Insured to","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-2-2"},{"clause":"3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-3-2"},{"clause":"4","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-4-2"},{"clause":"5","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-5-2"},{"clause":"9","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-9-2"},{"clause":"10","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-10-2"},{"clause":"12","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-12"},{"clause":"15","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-15"},{"clause":"17","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-17"},{"clause":"18","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-18"},{"clause":"19","heading":"This warranty shall not apply to any","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-19"}],"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 email. If there is no response or you are not satisfied, escalate to manager.customersupport@tataaig.com and then to the Head of Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"TATA AIG customer support or customersupport@tataaig.com, then manager.customersupport@tataaig.com, then Head of Customer Services, then Ombudsman","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. We will provide our final response within the regulatory TAT. If you're still not satisfied after this process, you may approach the Insurance Ombudsman of concerned jurisdiction.","sources":[{"clause":"Section VI","heading":"Grievance Redressal and Policyholders Protection","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-vi-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Breakdown or failure of a mechanical, electronic or electrical part arising out of manufacturing defect and/or due to poor workmanship at the time of manufacture","Roadside Assistance"],"display":"Repair or replacement costs for covered mechanical, electronic or electrical breakdown or failure due to manufacturing defect or poor workmanship, plus roadside assistance","note":null,"quote":"The Company will indemnify the Insured during the Policy Period against the repair or replacement costs in respect of the Insured Vehicle and/or parts specified in schedule caused by a Breakdown or failure of a mechanical, electronic or electrical part arising out of manufacturing defect and/or due to poor workmanship at the time of manufacture. ... Section VI Roadside Assistance","sources":[{"clause":"Section I","heading":"Scope of Coverage","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-i"},{"clause":"Section VI","heading":"Roadside Assistance","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-vi"}],"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 any reason if no claim has arisen during the policy period. The insurer refunds premium pro-rata by time cover provided, subject to minimum retention of 25%; if cancelled before commencement, ₹500 is retained for administrative costs.","display":"Pro-rata refund if no claim, subject to minimum 25% retention; ₹500 retained if cancelled before commencement","note":null,"quote":"This Policy may be cancelled by the Insured at any time without assigning any reason provided no claim has arisen during the Policy Period. The Company will refund premium on a pro-rata basis by reference to the time cover provided, subject to a minimum retention of premium of 25%, provided the Policy cover is valid. ... If the Policy is cancelled prior to commencement of the Policy Period, we will retain minimum premium of ₹500 towards administrative costs.","sources":[{"clause":"3(b)","heading":"Cancellation By Insured","page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-3-b"},{"clause":"3(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-3-c"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy applies only to vehicles manufactured in India and/or legally imported in India. Roadside assistance services are available on national highways, state highways and motorable roads of cities within India.","display":"Vehicles manufactured or legally imported in India; roadside assistance within India","note":null,"quote":"This Policy applies only to Vehicles manufactured in India and/or legally imported in India. ... These services are available on National highways, state highways and motorable roads of cities within India.","sources":[{"clause":"6","heading":"Territorial Limits","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-6-4"},{"clause":"Section VI","heading":"Roadside Assistance","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-vi"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"not-applicable","value":null,"display":null,"note":"This is an extended warranty policy for breakdown repair/replacement costs, not a standard comprehensive, standalone own-damage or third-party motor policy.","quote":null,"sources":[],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"No. This warranty does not cover legal liability, death or injury to occupants or third-party, or damage to personal property and third-party property.","display":"No; legal liability, death or injury to occupants, third-party and third-party property damage are not covered","note":null,"quote":"This warranty shall not apply to any\na) Legal liability, death or injury to occupants, third-party and\nb) Damage to personal property and Third-Party property damages.","sources":[{"clause":"19","heading":"This warranty shall not apply to any","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-19"}],"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 CIS states the Sum Insured / Motor Insured Declared Value Scope as purchase price of the vehicle. For total loss, the company indemnifies restoration or replacement costs up to the Sum Insured of the vehicle.","display":"Purchase price of the vehicle; total loss up to the Sum Insured","note":null,"quote":"Sum Insured / Motor Insured Declared Value Scope (IDV) | Section I – Purchase price of the vehicle ... In the case of a total loss, the Company shall indemnify the Insured in respect of the restoration or replacement costs up to the Sum Insured of the Vehicle. Sum Insured set against the Insured Vehicle is mentioned in the Schedule.","sources":[{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16981#c-customer-information-sheet-know-your-policy-2"},{"clause":"Section V(f)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-f"}],"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":"conflicting","value":"No depreciation is deducted where the defective component can reasonably be repaired or reinstated at a cost less than replacement cost.","display":"No depreciation shall be deducted","note":"The CIS sample claim calculation shows: \"B | Less: Depreciation (if applicable) | (< ₹2,000)\".","quote":"Where the defective component of the Insured Vehicle can reasonably be repaired or reinstated at a cost less than the replacement cost, the Company will indemnify the Insured in respect of the expenses necessarily incurred to restore the Insured Vehicle to its state immediately prior to the happening of the Insured Event. No Depreciation shall be deducted. ... B | Less: Depreciation (if applicable) | (< ₹2,000)","sources":[{"clause":"Section V(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-section-v-a-2"},{"clause":"11","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16981#c-11"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-applicable","value":null,"display":null,"note":"This is an extended warranty policy for breakdown repair/replacement costs, not an own-damage motor policy with a no-claim-bonus discount.","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":"not-stated","value":null,"display":null,"note":"The policy states a per-claim deductible as mentioned in the Schedule, but no fixed compulsory deductible amount is printed.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-stated","value":null,"display":null,"note":"The policy states only a deductible as mentioned in the Schedule; it does not state a voluntary deductible chosen for a lower premium.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"No. The warranty does not cover legal liability, death or injury to occupants or third-party.","display":"No; death or injury to occupants or third-party is not covered","note":null,"quote":"This warranty shall not apply to any\na) Legal liability, death or injury to occupants, third-party and\nb) Damage to personal property and Third-Party property damages.","sources":[{"clause":"19","heading":"This warranty shall not apply to any","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-19"}],"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":["Not applicable under this Policy"],"display":"Not applicable under this Policy","note":null,"quote":"Available Add-On for the said Product | Not applicable under this Policy","sources":[{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16981#c-customer-information-sheet-know-your-policy-2"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless claims are contemplated. After claim intimation, documents are verified and repair approval is shared immediately if documents are in order; after repair invoice submission in cashless claims, a delivery order is shared with the workshop.","display":"Cashless claims available through workshop delivery order after repair invoice","note":null,"quote":"Documents are verified by the Surveyor, and if all documents are in order, repair approval is\n4. 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\n6. 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":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16981#c-11"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The CIS states the basis of sum insured is indemnity, with purchase price of the vehicle as the Sum Insured / Motor IDV scope. The Sum Insured is the amount stated in the Schedule and is the maximum amount of cover available.","display":"Indemnity basis; purchase price of the vehicle; amount stated in the Schedule is the maximum cover","note":null,"quote":"Structure | Basis of Sum Insured: Indemnity ... Sum Insured / Motor Insured Declared Value Scope (IDV) | Section I – Purchase price of the vehicle ... Sum Insured means the amount stated in the Schedule, which is (same as expressly stated to the contrary) maximum amount of cover available.","sources":[{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16981#c-customer-information-sheet-know-your-policy-2"},{"clause":"10","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785#c-10"}],"law":[]}],"documents":[{"kind":"wording","label":"Auto Secure Private Car Extended Warranty Insurance Policy (IRDAN108RP0020V01202223)","pages":19,"fetched_at":"2026-10-17 20:04:34+00","source_url":"https://www.tataaig.com/s3/auto_secure_private_car_extended_warranty_policy_wording_062e87c2c6.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16785"},{"kind":"cis","label":"Auto Secure Private Car Extended Warranty Insurance Policy (IRDAN108RP0020V01202223)","pages":10,"fetched_at":"2026-10-17 20:12:10+00","source_url":"https://www.tataaig.com/s3/auto_secure_private_car_extended_warranty_insurance_policy_cis_98b26000f0.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16981"},{"kind":"brochure","label":"Auto Secure Private Car Extended Warranty Insurance Policy (IRDAN108RP0020V01202223)","pages":17,"fetched_at":"2026-10-17 20:04:39+00","source_url":"https://www.tataaig.com/s3/Brochure_Auto_Secure_Private_Car_Extended_Warranty_Insurance_Policy_f2de536c01.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/16799"},{"kind":"proposal","label":"Auto Secure Private Car Extended Warranty Insurance Policy (IRDAN108RP0020V01202223)","pages":null,"fetched_at":"2026-10-17 20:04:47+00","source_url":"https://www.tataaig.com/s3/Proposal_Form_Auto_Secure_Private_Car_Extended_Warranty_Insurance_Policy_809194092c.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223/document/31813"}],"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 Private Car Extended Warranty Insurance Policy (UIN IRDAN108RP0020V01202223), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-private-car-extended-warranty-insurance-policy-irdan108rp0020v01202223"}