{"uin":"IRDAN108RPMT0002V02201920","name":"Auto Secure - Standalone Own Damage Two Wheeler Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920","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-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2019-06-28","withdrawn_on":null,"summary":"Auto Secure - Standalone Own Damage Two Wheeler Policy covers own damage to a two wheeler for listed perils such as fire, theft, riot, flood, accidental external means and transit. It does not provide third-party liability, and IDV is the sum insured and market value for total loss, total theft and constructive total loss claims.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:03:43.385535+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 optional add-ons, but do not state named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording points to the Period of Insurance in the Schedule and 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. For theft, report to the Police as well as the insurer within 48 hrs and obtain an FIR or written acknowledgement.","display":"Immediately or as soon as reasonably possible; theft within 48 hrs to Police and insurer","note":null,"quote":"If the claim is for theft, Insured should report to the Police as well as Insurer within 48 hrs from theft and obtain an FIR or a written acknowledgement from the Police authorities. Notice of claim must be given by you to us immediately after an actual or potential loss begins or as soon as reasonably possible after actual or potential loss begins.","sources":[{"clause":"8(III)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#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. (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)"],"display":"Claim Form, Registration Certificate, Driving license, and FIR for Third-Party Injuries/Property Damage/major losses","note":"The Company may ask for additional information/documents for verification of facts related to your claim, if required.","quote":"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)","sources":[{"clause":"11","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","Any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs","Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the Limitations as to Use","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","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 accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war"],"display":"Wear and tear/breakdown, tyres and tubes unless vehicle damaged, accessories theft unless vehicle stolen, drunk/drugged driving, outside geographical area, contractual liability, use outside limitations, unauthorised driver, property/consequential loss, and war risks","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... b) Damage to Tyres and Tubes unless the vehicle is damaged at the same time in which case the liability of The Company shall be limited to 50% of the cost of replacement. ... c) Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; and ... d) Any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs. ... 1. Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.\n2. Any claim arising out of any contractual liability. ... a) Being used otherwise than in accordance with the Limitations as to Use or ... b) 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.\n4. i) Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss. ... 6. Any accidental loss or damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war","sources":[{"clause":"6(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-a"},{"clause":"6(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-b"},{"clause":"6(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-c"},{"clause":"6(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-d"},{"clause":"6(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-c-2"},{"clause":"6(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-a-3"},{"clause":"6(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-b-3"}],"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 Customer Support 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.","display":"Customer Support, then Escalation Level 1, then Head of Customer Services","note":null,"quote":"If youʼre not satisfied and wish to lodge a complaint, please call our 24*7 Customer Support No.: 022 6489 8282 or 022-66939500 (toll charges apply), or email us at customersupport@tataaig.com ... 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":25,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#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 and strike, earthquake, flood and storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"i) By fire explosion self-ignition or lightning;\nii) By burglary housebreaking or theft;\niii) By riot and strike;\niv) By earthquake (Fire and Shock Damage);\nv) By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi) By accidental external means;\nvii) By malicious act;\nviii) By terrorist activity;\nix) Whilst in transit by road rail inland -waterway lift elevator or air;\nx) By landslide rockslide.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#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":"You may cancel the policy at any time without assigning any reason if no claim has arisen. You get a proportionate premium refund for the unexpired period in the running year and full refund for remaining full policy years where the period exceeds one year.","display":"Proportionate refund for unexpired period if no claim has arisen","note":null,"quote":"The Policy may be cancelled at any time by the Insured without assigning any reason provided no claim has arisen during the Period of Insurance. The Insured shall be entitled to a refund of proportionate premium for the unexpired period in the running year and full refund of premium for remaining full Policy Years (where Period of Insurance exceeds one year).","sources":[{"clause":"6(II)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#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 wording excludes losses outside the Geographical Area and contains an optional extension endorsement, but does not define the base Geographical Area.","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":null,"heading":"Policy Wordings","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-policy-wordings"}],"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 under this policy; coverage is only for own damage and no other liability in connection with the vehicle.","display":"Not covered; own damage only","note":null,"quote":"Coverage under this Policy is only for own damage and no other liability in connection with the vehicle.","sources":[{"clause":null,"heading":"Policy Wordings","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-policy-wordings"}],"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 the Sum Insured, fixed at commencement of each period of insurance or policy year. It is based on the manufacturer's listed selling price adjusted for depreciation, is treated as Market Value throughout the period for total loss, total theft and constructive total loss claims, and CTL applies if retrieval and/or repair exceeds 75% of IDV.","display":"IDV is the Sum Insured and Market Value for TL/TT/CTL; CTL if repair/retrieval exceeds 75% of IDV","note":"For vehicles beyond 5 years of age and obsolete models, IDV is determined by understanding between the insurer and insured.","quote":"The Insuredʼs Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM Insuredʼ for the purpose of this Policy which is fixed at the commencement of each Period of Insurance/Policy Year ... IDV shall be treated as the ‘Market Valueʼ throughout the Period of Insurance/Policy Year ... for the purpose of Total Loss (TL)/Total Theft of the Insured Vehicle (TT)/Constructive Total Loss (CTL) claims. The Insured Vehicle shall be treated as 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":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#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 are depreciated 50%, fibre glass components 30%, and glass nil. Other parts depreciate by age: nil up to 6 months, 5% over 6 months to 1 year, 10% over 1 to 2 years, 15% over 2 to 3 years, 25% over 3 to 4 years, 35% over 4 to 5 years, 40% over 5 to 10 years, and 50% over 10 years; painting has 50% depreciation on material cost.","display":"Parts depreciation: rubber/nylon/plastic, tyres, tubes and batteries 50%; fibre glass 30%; glass nil; other parts nil to 50% by vehicle age; painting 50% on material cost","note":null,"quote":"1. For All Rubber/Nylon/Plastic Parts, Tyres, Tubes and Batteries | 50%\n2. For Fibre Glass Components | 30%\n3. For All Parts made of Glass | NIL ... Age of the Vehicle | % of Depreciation\nNot Exceeding 6 months | NIL\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 year but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50% ... Rate of Depreciation for Painting: In the case of painting, depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-1"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#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-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#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 is earned only in the Own Damage section and applies at renewal after a full 12 months. The discount on own damage premium is 20%, 25%, 35%, 45% and 50% for one to five consecutive claim-free years respectively.","display":"20%, 25%, 35%, 45%, 50% discount on own damage premium","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-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-8-a"},{"clause":"8(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#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 CIS states a compulsory deductible of ₹100 under Loss of or Damage to the Vehicle Insured. The wording's compulsory deductible endorsement says the insured bears the first amount stated in the Policy Schedule for each and every event.","display":"₹100 compulsory deductible under Loss of or Damage to the Vehicle Insured","note":"The policy wording refers the amount to the Policy Schedule; the CIS states ₹100.","quote":"Compulsory Deductible under ‘Loss of or Damage to The Vehicle Insured’: ₹100 ... IMT22. Compulsory Deductible: (Applicable to Private Cars, three wheelers rated as private cars, all motorized two wheelers, taxis, private car type vehicle plying for public/private hire, private type taxi let out on private hire) Notwithstanding anything to the contrary contained in the Policy it is hereby understood and agreed that the Insured shall bear under Own Damage Section of the Policy in respect of each and every event","sources":[{"clause":"Row 4(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#c-row-4-ii"},{"clause":"8(V)(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-8-v-b-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":"A voluntary deductible may be opted, with the amount as referred in the Schedule. If opted, the insured bears the first scheduled amount for each and every event under the Own Damage Section.","display":"Optional; amount as per Schedule for each and every event","note":"The wording leaves the chosen voluntary deductible amount blank and refers to the Policy Schedule.","quote":"IMT22A .Voluntary Deductible: (For private cars/motorized two wheelers other than for hire or reward) It is by declared and agreed that the Insured having opted a voluntary deductible of ₹___________(refer Schedule) a reduction in premium of ₹___________under Own Damage Section of the Policy is hereby allowed. In consideration of the above, it is hereby understood and agreed that the Insured shall bear under Own Damage Section of the Policy in respect of each and every event","sources":[{"clause":"8(V)(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-8-v-b-2"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-stated","value":null,"display":null,"note":"The base cover is stated as own damage only, and the documents do not state a Personal Accident benefit amount or terms for owner-driver.","quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Roadside Assistance","Depreciation Allowance","Consumable Expenses","Return to Invoice","Electric Surge Secure","Tyre and Rim Secure","Engine Secure","Emergency Medical Expenses","Depreciation Allowance – Battery"],"display":"Roadside Assistance, Depreciation Allowance, Consumable Expenses, Return to Invoice, Electric Surge Secure, Tyre and Rim Secure, Engine Secure, Emergency Medical Expenses, Depreciation Allowance – Battery","note":"These add-ons apply only if opted and mentioned in the Policy Schedule.","quote":"The Below Add-Ons Shall Be Applicable (If opted by you and mentioned in the Policy Schedule). ... 1. Roadside Assistance | - | - ... 2. Depreciation Allowance | IDV | - ... 3. Consumable Expenses | IDV | - ... 4. Return to Invoice | Difference between IDV and ... 5. | Electric Surge Secure | IDV | -\n5. Electric Surge Secure | IDV | -\n6. | Tyre and Rim Secure | IDV | -\n6. Tyre and Rim Secure | IDV | -\n7. | Engine Secure | IDV ... 8. Emergency Medical Expenses | ₹25,000 | - ... 9. Depreciation Allowance – | IDV | Zero Deductible/ 5% of claim\nBattery","sources":[{"clause":"7","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#c-7"},{"clause":"Row 1","heading":"Roadside Assistance","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#c-row-1-2"},{"clause":"Row 2","heading":"Depreciation Allowance","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#c-row-2"},{"clause":"Row 3","heading":"Consumable Expenses","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#c-row-3"},{"clause":"Row 4","heading":"Return to Invoice","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#c-row-4"},{"clause":"7","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#c-7-2"},{"clause":"Row 4(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#c-row-4-ii"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless claims are available; the CIS describes a cashless service procedure where, after repair invoice submission to TATA AIG, a delivery order is shared with the workshop and the insured can take delivery of the vehicle.","display":"Yes, cashless claims with delivery order to workshop after repair invoice","note":null,"quote":"Details of procedure to be followed for Cashless Service as well as for Reimbursement of Claim: ... Upon submission of repair invoice to TATA AIG in case of Cashless Claims, delivery order is shared with workshop, post which Insured can take delivery of vehicle.","sources":[{"clause":"11","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976#c-11"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","Any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs","Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driverʼs Clause","Ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste","War, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/breakdown, tyres/tubes unless vehicle damaged, accessories theft unless vehicle stolen, drunk/drugged driving, outside geographical area, contractual liability, use outside limitations, unauthorised driver, nuclear/radioactivity, and war risks","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; ... b) Damage to Tyres and Tubes unless the vehicle is damaged at the same time in which case the liability of The Company shall be limited to 50% of the cost of replacement. ... c) Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; and ... d) Any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs. ... 1. Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.\n2. Any claim arising out of any contractual liability. ... a) Being used otherwise than in accordance with the Limitations as to Use or ... b) 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.\n4. i) Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.\nii) Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste ... 6. Any accidental loss or damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"6(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-a"},{"clause":"6(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-b"},{"clause":"6(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-c"},{"clause":"6(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-d"},{"clause":"6(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-c-2"},{"clause":"6(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-a-3"},{"clause":"6(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-b-3"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured's Declared Value (IDV). IDV is fixed at the start of each period of insurance or policy year from the manufacturer's listed selling price adjusted for depreciation, and is treated as Market Value during the period for total loss, total theft and constructive total loss claims.","display":"Insured's Declared Value (IDV), treated as Market Value for TL/TT/CTL","note":null,"quote":"The Insuredʼs Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM Insuredʼ for the purpose of this Policy which is fixed at the commencement of each Period of Insurance/Policy Year ... The IDV of the vehicle (and side car accessories, if any, fitted to the Vehicle) is to be fixed on the basis of the manufacturerʼs listed selling price of the brand and model as the Insured Vehicle 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":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777#c-6-c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Auto Secure - Standalone Own Damage Two Wheeler Policy (IRDAN108RPMT0002V02201920)","pages":29,"fetched_at":"2026-10-17 20:04:08+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_auto_secure_standalone_two_wheeler_policy.pdf_5e8feb9a98.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16777"},{"kind":"wording","label":"Auto Secure - Standalone Own Damage Two Wheeler Policy (IRDAI copy)","pages":23,"fetched_at":"2026-10-20 00:26:38+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN108RP0002V01201920_GEN3651.pdf/0fcd94a7-b2de-c10d-57e4-09ab237c6515?version=1.1&t=1668247121681&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/23494"},{"kind":"cis","label":"Auto Secure - Standalone Own Damage Two Wheeler Policy (IRDAN108RPMT0002V02201920)","pages":8,"fetched_at":"2026-10-17 20:12:01+00","source_url":"https://www.tataaig.com/s3/auto_secure_standalone_own_damage_two_wheeler_policy_cis_35ab67d77c.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16976"},{"kind":"brochure","label":"Auto Secure - Standalone Own Damage Two Wheeler Policy (IRDAN108RPMT0002V02201920)","pages":11,"fetched_at":"2026-10-17 20:04:13+00","source_url":"https://www.tataaig.com/s3/Brochures_Auto_Secure_Standalone_Two_Wheeler_Policy_f7f01ec8dc.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/16787"},{"kind":"proposal","label":"Auto Secure - Standalone Own Damage Two Wheeler Policy (IRDAN108RPMT0002V02201920)","pages":null,"fetched_at":"2026-10-17 20:04:18+00","source_url":"https://www.tataaig.com/s3/Proposal_Forms_auto_secure-standalone_two_wheeler_policy.pdf_328f2d3ca5.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920/document/31808"}],"versions":[{"uin":"IRDAN108RP0002V01201920","version":null,"approved_on":null},{"uin":"IRDAN108RPMT0002V02201920","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 Two Wheeler Policy (UIN IRDAN108RPMT0002V02201920), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-standalone-own-damage-two-wheeler-policy-irdan108rpmt0002v02201920"}