{"uin":"IRDAN108RP0087V01201819","name":"Auto Secure Compulsory Personal Accident (Owner Driver) - Motor Insurance Policies","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819","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":"personal-accident","category_name":"Personal accident","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2019-02-01","withdrawn_on":null,"summary":"This is a personal accident benefit policy for the owner-driver of a private car, two wheeler or commercial vehicle, with Personal Accident Cover for Owner-Driver of ₹15 lakhs. It pays for death or specified permanent disablement from violent, accidental, external and visible means connected with the insured vehicle, and has no add-ons or loss participation.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:03:47.872279+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":"No named plans or variants are stated.","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 possible periods exceeding one year, but does not state 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 after it begins.","display":"Immediately after an actual or potential loss begins or as soon as reasonably possible after actual or potential loss begins","note":null,"quote":"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":"6(II)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-6-ii"}],"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. (Self-Attested by Insured / verification when required)","Driving license of the person driving the vehicle at the time of accident. (Self-Attested by Insured / verification when required)","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 licence, FIR where applicable, and for reimbursement repair invoice in original and cancelled cheque copy","note":"The CIS calls this a tentative list and says additional information or documents may be asked.","quote":"Tentative list of documents is noted below: a) Claim Form (In prescribed format duly filled and signed) b) Registration Certificate of the vehicle. (Self-Attested by Insured / verification when required) ... c) Driving license of the person driving the vehicle at the time of accident. (Self-Attested by Insured / verification when required) 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":"11","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16974#c-11"}],"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; all claims are to be settled within 7 working days of receipt of all relevant documents, including original bills and clarifications, if any.","display":"NEFT within 7 days; all claims within 7 working days from 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":"11","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16974#c-11"}],"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":["Intentional self injury suicide or attempted suicide physical defect or infirmity","An Accident happening whilst such person is under the influence of intoxicating liquor or drugs.","Any Accidental Loss or damage and/or liability caused sustained or Incurred outside the Geographical Area (India).","Any Claim arising out of any contractual liability;","Being used otherwise than in Accordance with the ‘Limitations as to Useʼ ;or","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a driver as stated in the Driverʼs Clause under Vehicle Insurance Policy.","Any Accidental Loss or Damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any Consequential Loss.","Any Liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from Ionising Radiations or Contamination by Radioactivity","Any Accidental Loss or Liability directly or indirectly caused by or contributed to by or arising from Nuclear Weapons material;","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Intentional self-injury/suicide/physical defect; intoxication or drugs; outside India; contractual liability; use outside limitations; unauthorised driver; property/consequential loss; ionising radiation/radioactivity; nuclear weapons; war and similar events","note":null,"quote":"Intentional self injury suicide or attempted suicide physical defect or infirmity or\n ii. An Accident happening whilst such person is under the influence of intoxicating liquor or drugs. ... Any Accidental Loss or damage and/or liability caused sustained or Incurred outside the Geographical Area (India). ... Any Claim arising out of any contractual liability; ... Being used otherwise than in Accordance with the ‘Limitations as to Useʼ ;or ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a driver as stated in the Driverʼs Clause under Vehicle Insurance Policy. ... Any Accidental Loss or Damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any Consequential Loss.\nb. Any Liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from Ionising Radiations or Contamination by Radioactivity ... Any Accidental Loss or Liability directly or indirectly caused by or contributed to by or arising from Nuclear Weapons material; ... war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":null,"heading":"Policy Wordings","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-policy-wordings"},{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-1"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-2"},{"clause":"3(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-3-a"},{"clause":"3(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-3-b"},{"clause":"5","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-5"},{"clause":"6","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-6"}],"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 calling customer support or emailing customersupport@tataaig.com. If not satisfied or no response, escalate to manager.customersupport@tataaig.com, then to the Head of Customer Services at head.customerservices@tataaig.com, and then to the Insurance Ombudsman or Bima Bharosa.","display":"TATA AIG customer support or customersupport@tataaig.com, then manager.customersupport@tataaig.com, then Head of Customer Services, then Ombudsman or Bima Bharosa","note":null,"quote":"If youʼre not satisfied and wish to lodge a complaint, please call our 24*7 Customer Support No.: 022 6489 8282 or 022-66939500 (toll charges apply), or email us at customersupport@tataaig.com ... If you do not receive a response or are not satisfied with the resolution, please contact us at manager.customersupport@tataaig.com ... If you still need assistance, reach out to the Head of Customer Services at head.customerservices@tataaig.com. ... If you're still not satisfied after this process, you may approach the Insurance Ombudsman of concerned jurisdiction. You can also lodge a grievance on the Bima Bharosa Grievance Redressal Portal: https://bimabharosa.irdai.gov.in/","sources":[{"clause":"Section VI","heading":"Grievance Redressal and Policyholders Protection","page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#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":["Death","Loss of two limbs or sight of two eyes or one limb and sight of one eye","Loss of one limb or sight of one eye","Permanent total disablement from injuries other than named above"],"display":"Death, loss of two limbs or sight of two eyes or one limb and sight of one eye, loss of one limb or sight of one eye, and permanent total disablement","note":"The injury or death must be sustained by the owner-driver in direct connection with the insured vehicle, while driving, mounting into or dismounting from it, or travelling in it as co-driver.","quote":"caused by Violent, Accidental, External and visible means which independent of any other cause shall within six calendar months of such injury result in:\nNature of Injury | Scale of Compensation\n(i) Death (ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye (iii) Loss of one limb or sight of one eye (iv) Permanent total disablement from injuries other than named above | 100% 100% 50% 100%","sources":[{"clause":null,"heading":"Policy Wordings","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-policy-wordings"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"No voluntary deductible is stated; loss participation is not applicable under this policy.","display":"Not applicable under this Policy","note":null,"quote":"Loss Participation | Not applicable under this Policy.","sources":[{"clause":"7","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16974#c-7"}],"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 if no claim has arisen. 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 that the vehicle is insured elsewhere at least for liability-only cover and the original certificate of insurance.","display":"Proportionate premium for the unexpired running year and full refund for remaining full policy years, if no claim has arisen and required proof is submitted","note":"Cancellation is stated as allowed only on specified grounds such as double insurance or vehicle not in use because of total loss or constructive total loss.","quote":"The Policy may be cancelled at any time by the Insured, provided no Claim has arisen during the Period of Insurance. The Insured shall be entitled to a refund of Proportionate Premium for the unexpired period in the running year and full refund of premium for remaining full Policy Years (where Period of Insurance exceeds One Year) subject to submission of proof that vehicle is Insured elsewhere at least for Liability Only Cover and original Certificate of Insurance.","sources":[{"clause":"6","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-6"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"India.","display":"Geographical Area (India)","note":"The policy states this as an exclusion for losses outside the geographical area.","quote":"Any Accidental Loss or damage and/or liability caused sustained or Incurred outside the Geographical Area (India).","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772#c-1"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Auto Secure Compulsory Personal Accident (Owner Driver) - Motor Insurance Policies (IRDAN108RP0087V01201819)","pages":12,"fetched_at":"2026-10-17 20:03:57+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_auto_secure_compulsory_personal_accident_owner_driver_motor_insurance_policy.pdf_477a9eea7a.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16772"},{"kind":"wording","label":"Auto Secure Compulsory Personal Accident (Owner-Driver) -Motor Insurance Policies (IRDAI copy)","pages":14,"fetched_at":"2026-10-20 00:27:50+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN108RP0073V01201920_GEN3700.pdf/81499174-f8c0-a579-a078-75993b898f3f?version=1.2&t=1668843330614&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/23563"},{"kind":"cis","label":"Auto Secure Compulsory Personal Accident (Owner Driver) - Motor Insurance Policies (IRDAN108RP0087V01201819)","pages":6,"fetched_at":"2026-10-17 20:11:57+00","source_url":"https://www.tataaig.com/s3/auto_secure_compulsory_personal_accident_owner_driver_motor_insurance_policies_cis_bcfeb2b73f.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16974"},{"kind":"brochure","label":"Auto Secure Compulsory Personal Accident (Owner Driver) - Motor Insurance Policies (IRDAN108RP0087V01201819)","pages":4,"fetched_at":"2026-10-17 20:03:59+00","source_url":"https://www.tataaig.com/s3/Brochures_Auto_Secure_Compulsory_Personal_accident_cover_67299ae85a.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/16776"},{"kind":"proposal","label":"Auto Secure Compulsory Personal Accident (Owner Driver) - Motor Insurance Policies (IRDAN108RP0087V01201819)","pages":null,"fetched_at":"2026-10-17 20:04:05+00","source_url":"https://www.tataaig.com/s3/Proposal_Forms_auto_secure_compulsory_personal_accident_owner-driver-motor_insurance_policies.pdf_0dc1823ae9.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819/document/31806"}],"versions":[{"uin":"IRDAN108RP0073V01201920","version":null,"approved_on":null},{"uin":"IRDAN108RP0087V01201819","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Auto Secure Compulsory Personal Accident (Owner Driver) - Motor Insurance Policies (UIN IRDAN108RP0087V01201819), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-compulsory-personal-accident-owner-driver-motor-insurance-policies-irdan108rp0087v01201819"}