{"uin":"IRDAN108RPMT0001V02201920","name":"Auto Secure - Standalone Own Damage Private Car Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920","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":"Main product","kind":"product","status":"active","approved_on":"2019-06-28","withdrawn_on":null,"summary":"Auto Secure - Standalone Own Damage Private Car Policy covers loss or damage to a private car only for own damage perils such as fire, theft, riot, earthquake, flood, accidental external means, malicious act, terrorist activity, transit and landslide. The sum insured basis is IDV, NCB discounts run from 20% to 50%, and add-ons are available only if opted and shown in the schedule.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:04:04.120128+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 name the product and add-ons, but do not state named plan variants within the base product.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Period of Insurance and the Schedule, but no fixed policy term is printed in the provided clauses.","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. For theft, the insured should report to the police as well as the insurer within 48 hrs from theft and obtain an FIR or written police acknowledgement.","display":"Immediately/as soon as reasonably possible; theft to police and insurer within 48 hrs","note":null,"quote":"If the claim is for theft, Insured should report to the Police as well as Insurer within 48 hrs from theft and obtain an FIR or a written acknowledgement from the Police authorities. Notice of claim must be given by you to us immediately after an actual or potential loss begins or as soon as reasonably possible after actual or potential loss begins.","sources":[{"clause":"8(III)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-8-iii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form (in prescribed format duly filled and signed)","Registration certificate of the vehicle","Driving license of the person driving the vehicle at the time of accident","FIR – (In case of Third-Party Injuries / Property Damage / Major Losses)","repair invoice in original","copy of cancelled cheque"],"display":"Claim form, RC, driving licence, FIR for specified cases, original repair invoice and cancelled cheque for reimbursement claims","note":"The CIS says this is a tentative list and the company may ask for additional information/documents.","quote":"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. ... 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(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978#c-11-a"},{"clause":"11(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978#c-11-b"},{"clause":"11(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978#c-11-c"},{"clause":"11(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978#c-11-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"All claims shall 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 CIS also says claim payment is done through NEFT within 7 days from receipt of all relevant documents.","quote":"All claims shall be settled within 7 working days of the receipt of all relevant documents, including original bills & clarifications, if any.","sources":[{"clause":"11(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978#c-11-d"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 phone or email. If not satisfied or no response, escalate to manager.customersupport@tataaig.com and then to the Head of Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman or Bima Bharosa.","display":"Tata AIG customer support, then manager.customersupport@tataaig.com, then Head of Customer Services, then Ombudsman/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. 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":39,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#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":["By fire, explosion self-ignition or lightning","By burglary, housebreaking or theft","By riot and strike","By earthquake (Fire and Shock Damage)","By flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost","By accidental external means","By malicious act","By terrorist activity","Whilst in transit by road rail inland - waterway lift elevator or air","By landslide, rockslide"],"display":"Fire, theft, riot/strike, earthquake, flood/storm etc., accidental external means, malicious act, terrorist activity, transit and landslide/rockslide","note":null,"quote":"i) By fire, explosion self-ignition or lightning;\nii) By burglary, housebreaking or theft;\niii) By riot and strike;\niv) By earthquake (Fire and Shock Damage);\nv) By flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost;\nvi) By accidental external means;\nvii) By malicious act;\nviii) By terrorist activity;\nix) Whilst in transit by road rail inland - waterway lift elevator or air;\nx) By landslide, rockslide.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-1"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time without assigning any reason if no claim has arisen during the Period of Insurance. The refund is proportionate premium for the unexpired period in the running year and full refund of premium for remaining full Policy Years where the Period of Insurance exceeds one year.","display":"Proportionate premium for unexpired period if no claim; full refund for remaining full policy years where applicable","note":null,"quote":"The Policy may be cancelled at any time by the Insured without assigning any reason provided no claim has arisen during the Period of Insurance. The Insured shall be entitled to a refund of proportionate premium for the unexpired period in the running year and full refund of premium for remaining full Policy Years (where Period of Insurance exceeds one year).","sources":[{"clause":"6(II)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-6-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The policy excludes loss outside the Geographical Area and offers an extension endorsement for listed countries, but the base Geographical Area itself is not defined in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["standalone own damage"],"display":"Standalone own damage","note":null,"quote":"Coverage under this Policy is only for own damage and no other liability in connection with the vehicle.","sources":[{"clause":"Section I","heading":"Loss of or Damage to the Vehicle Insured - Own Damage Section","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-section-i"}],"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":"Third-party liability is not covered by this standalone own damage policy; coverage is only for own damage and no other liability in connection with the vehicle.","display":"Not covered; only own damage and no other liability","note":null,"quote":"Coverage under this Policy is only for own damage and no other liability in connection with the vehicle.","sources":[{"clause":"Section I","heading":"Loss of or Damage to the Vehicle Insured - Own Damage Section","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-section-i"}],"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 vehicle's IDV is deemed to be the Sum Insured. It is fixed at the commencement of each Period of Insurance or Policy Year, based on the manufacturer's listed selling price for the brand and model at commencement or renewal and adjusted for depreciation; for vehicles beyond 5 years and obsolete models, IDV is determined by agreement, and is treated as Market Value for TL, TT and CTL claims.","display":"IDV is the Sum Insured and Market Value for TL/TT/CTL; CTL if retrieval/repair exceeds 75% of IDV","note":null,"quote":"The Insuredʼs Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insuredʼ for the purpose of this Policy ... fixed on the basis of the manufacturerʼs listed selling price of the brand and model as the Vehicle Insured at the commencement of Insurance/Renewal and adjusted for depreciation ... IDV of vehicles beyond 5 years of age and of obsolete models of vehicles ... is to be determined on the basis of an understanding between the Insurer and the Insured. IDV shall be treated as the ‘Market Valueʼ throughout the Period of Insurance / Policy Year ... The Insured Vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle, subject to terms and conditions of the Policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":"6(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-6-c-2"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, rubber/nylon/plastic parts, tyres, tubes and batteries carry 50% depreciation, fibre glass components 30%, and glass NIL. Other parts including wooden parts are depreciated by vehicle age from NIL up to 50%, and painting has 50% depreciation only on the material cost of painting charges.","display":"Rubber/nylon/plastic, tyres, tubes and batteries 50%; fibre glass 30%; glass NIL; other parts NIL to 50% by age; painting 50% on material cost","note":"In repairs, no depreciation is deducted on Non-OEM / Non-OES parts used in repairs.","quote":"1. For All Rubber/Nylon/Plastic Parts, tyres, tubes and batteries | 50%\n2. For Fibre glass components | 30%\n3. For All Parts made of Glass | NIL ... Age of the Vehicle | % of Depreciation\nNot Exceeding 6 months | NIL\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 year but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50% ... In the case of painting, depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-1"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden parts will be","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"NCB can be earned only in the Own Damage Section and is available only at renewal after expiry of the full duration of 12 months. The discount on Own Damage premium is 20%, 25%, 35%, 45% and 50% for no claim made or pending during the preceding 1, 2, 3, 4 and 5 consecutive full years respectively.","display":"20%, 25%, 35%, 45%, 50% on own-damage premium after 1 to 5 claim-free years","note":null,"quote":"No Claim Bonus(NCB) can be earned only in the Own Damage Section of Policies. ... An Insured becomes entitled to NCB only at the Renewal of a Policy after the expiry of the full duration of 12 months. ... All Types of Vehicles | % of Discount on Own Damage Premium\nNo claim made or pending during the preceding full year of Insurance No claim made or pending during the preceding 2 consecutive years of Insurance No claim made or pending during the preceding 3 consecutive years of Insurance No claim made or pending during the preceding 4 consecutive years of Insurance No claim made or pending during the preceding 5 consecutive years of Insurance | 20% 25% 35% 45% 50%","sources":[{"clause":"8(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-8-a"},{"clause":"8(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-8-b"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"The compulsory deductible under Loss of or Damage to The Vehicle Insured is ₹1000 for cars with cubic capacity <=1500CC and ₹2000 for cars with cubic capacity > 1500CC.","display":"₹1000 for <=1500CC; ₹2000 for > 1500CC","note":"The policy wording also says the company is not liable for each claim in respect of the deductible stated in the Schedule.","quote":"Compulsory Deductible under ‘Loss of or Damage to The Vehicle Insured’: | Section I\n1. <=1500CC: ₹1000\n2. > 1500CC: ₹2000","sources":[{"clause":"Row 1(f)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978#c-row-1-f-2"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"None unless the voluntary deductible endorsement is opted. If opted, the insured bears the first amount stated in the Policy Schedule for each and every event and receives a reduction in premium under Section 1.","display":"None unless opted; if opted, first amount in Policy Schedule for each event","note":"The voluntary deductible amount is schedule-specific.","quote":"It is by declared and agreed that the Insured having opted a voluntary deductible of ₹__________ (refer Schedule) a reduction in premium of ₹________ under Section 1 of the Policy is hereby allowed. ... the Insured shall bear under Own Damage Section of the Policy in respect of each and every event (including event giving rise to a Total Loss/ Constructive Total Loss) the first ₹________ (refer Policy Schedule)","sources":[{"clause":null,"heading":"IMT22. A) Voluntary Deductible","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-imt22-a-voluntary-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The base policy is stated to cover only own damage and no other liability in connection with the vehicle; the CIS lists policy coverage as Loss or Damage to Insured Vehicle. It does not state a compulsory personal accident cover for owner-driver in the base cover.","display":"Not included in the stated base coverage; only own damage is covered","note":"The wording contains template references to PA in some endorsements/add-ons, but no base PA owner-driver cover terms or sum insured are printed for this standalone own damage policy.","quote":"Coverage under this Policy is only for own damage and no other liability in connection with the vehicle. ... Policy Coverage | 1. Loss or Damage to Insured Vehicle","sources":[{"clause":"Section I","heading":"Loss of or Damage to the Vehicle Insured - Own Damage Section","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-section-i"},{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978#c-customer-information-sheet-know-your-policy-2"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless service is available through the stated claim process: after intimation, the first contact team confirms the workshop location, a surveyor is appointed, documents are verified, and repair approval is shared immediately if documents are in order. After repairs and repair invoice submission, a delivery order is shared with the workshop for cashless claims.","display":"Yes, cashless service through workshop after survey and document verification","note":null,"quote":"Details of procedure to be followed for Cashless service as well as for reimbursement of claim: ... First contact team connects with Insured to confirm workshop location and confirm if the vehicle is placed for repairs. ... Appointment of Surveyor by TATA AIG. ... Documents are verified by the Surveyor, and if all documents are in order, repair approval is shared immediately. ... Upon submission of repair invoice to TATA AIG in case of Cashless Claims, delivery order is shared with workshop, post which Insured can take delivery of vehicle.","sources":[{"clause":"11","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978#c-11"},{"clause":"11(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978#c-11-d"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"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 cover amount is set on the basis of IDV. The Insured's Declared Value of the vehicle is deemed the Sum Insured and is fixed at policy commencement or renewal from the manufacturer's listed selling price adjusted for depreciation; it is treated as Market Value for TL, TT and CTL claims.","display":"IDV, treated as Sum Insured and Market Value for TL/TT/CTL","note":null,"quote":"The Insuredʼs Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insuredʼ for the purpose of this Policy ... fixed on the basis of the manufacturerʼs listed selling price of the brand and model as the Vehicle Insured at the commencement of Insurance/Renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Valueʼ throughout the Period of Insurance / Policy Year","sources":[{"clause":"6(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780#c-6-c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Auto Secure - Standalone Own Damage Private Car Policy (IRDAN108RPMT0001V02201920)","pages":43,"fetched_at":"2026-10-17 20:04:20+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_auto_secure-standalone_private_car_policy.pdf_6010d25aa1.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16780"},{"kind":"wording","label":"Auto Secure - Standalone Own Damage Private Car Policy (IRDAI copy)","pages":28,"fetched_at":"2026-10-20 00:26:17+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN108RP0001V01201920_GEN3637.pdf/40568000-ef9d-e3f4-2ab4-a0ec14d9b063?version=1.1&t=1668245586225&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/23476"},{"kind":"cis","label":"Auto Secure - Standalone Own Damage Private Car Policy (IRDAN108RPMT0001V02201920)","pages":12,"fetched_at":"2026-10-17 20:12:06+00","source_url":"https://www.tataaig.com/s3/auto_secure_standalone_own_damage_private_car_policy_cis_6690e70e2d.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16978"},{"kind":"brochure","label":"Auto Secure - Standalone Own Damage Private Car Policy (IRDAN108RPMT0001V02201920)","pages":21,"fetched_at":"2026-10-17 20:04:20+00","source_url":"https://www.tataaig.com/s3/Brochures_Auto_Secure_Standalone_Private_Car_Policy_970042cb8c.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/16781"},{"kind":"proposal","label":"Auto Secure - Standalone Own Damage Private Car Policy (IRDAN108RPMT0001V02201920)","pages":null,"fetched_at":"2026-10-17 20:04:27+00","source_url":"https://www.tataaig.com/s3/Proposal_Forms_auto_secure-standalone_private_car_policy.pdf_6472841740.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920/document/31810"}],"versions":[{"uin":"IRDAN108RP0001V01201920","version":null,"approved_on":null},{"uin":"IRDAN108RPMT0001V02201920","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 - Standalone Own Damage Private Car Policy (UIN IRDAN108RPMT0001V02201920), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-private-car-policy-irdan108rpmt0001v02201920"}