{"uin":"IRDAN108RPMT0076V03201819","name":"Auto Secure- Two Wheeler Package Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Auto Secure - Two Wheeler Package Policy is a two-wheeler package policy covering own-damage perils and third-party liability, with IDV as the sum insured. It offers optional add-ons such as road side assistance, depreciation allowance, return to invoice, engine secure, tyre and rim secure, and personal accident extensions.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:22:06.032945+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":"quote-verified","value":["Auto Secure - Two Wheeler Package Policy"],"display":"Auto Secure - Two Wheeler Package Policy","note":null,"quote":"1. | Name of the Insurance Product/Policy | Auto Secure - Two Wheeler Package Policy","sources":[{"clause":"Row 1","heading":"Name of the Insurance Product/Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16966#c-row-1"}],"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 defines the period by reference to the Schedule and gives a 12-month policy-year definition, but it does not state the actual policy term for this product.","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 from theft and obtain an FIR or written acknowledgement.","display":"Immediately; 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":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16830#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Claim payment is done through NEFT within 7 days from receipt of all relevant documents. 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":null,"quote":"Claim payment is done through NEFT within 7 days from receipt of all relevant documents. ... All claims shall be settled within 7 working days of the receipt of all relevant documents, including original bills & clarifications, if any.","sources":[{"clause":"11(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16966#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":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the vehicleis damaged at the same time in which case the liability of The Company shall be limited to 50%of the cost of replacement.","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","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or war like operations"],"display":"Key exclusions include wear and tear or breakdown, tyre/tube-only damage, accessories theft unless the vehicle is stolen, drunk/drug driving, outside geographical area, contractual liability, unauthorised use or driver, radiation/nuclear risks and war risks.","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages;\nb) Damage to Tyres and Tubes unless the vehicleis damaged at the same time in which case the liability of The Company shall be limited to 50%of the cost of replacement.\nc) Loss of or damage to accessories by burglary/housebreaking or theft unless the vehicle is stolen at the same time; and\nd) 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. ... a) Being used otherwise than in accordance with the Limitations as to Use ... 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. ... ionising radiations or contamination by radioactivity ... Any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or war like operations","sources":[{"clause":"2","heading":"The Company shall not be liable to make any payment in respect of","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-2"},{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-1-3"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-2-3"},{"clause":"3(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-3-a"},{"clause":"3(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-3-b"},{"clause":"5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-5-2"},{"clause":"6","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First complain to TATA AIG by 24*7 customer support number 022 6489 8282 or 022-66939500, or email customersupport@tataaig.com. If not satisfied, escalate to manager.customersupport@tataaig.com and then to the Head of Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"TATA AIG customer support, then manager.customersupport@tataaig.com, then Head of Customer Services, then Ombudsman","note":null,"quote":"If youʼre not satisfied and wish to lodge a complaint, please call our 24*7 Customer Support No.: 022 6489 8282 or 022-66939500 (toll charges apply), or email us at customersupport@tataaig.com ... If you do not receive a response or are not satisfied with the resolution, please contact us at manager.customersupport@tataaig.com ... If you still need assistance, reach out to the Head of Customer Services at head.customerservices@tataaig.com. ... If you're still not satisfied after this process, you may approach the Insurance Ombudsman of concerned jurisdiction.","sources":[{"clause":"Section VI","heading":"Grievance Redressal and Policyholders Protection","page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#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 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-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#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 a reason if no claim has arisen. The refund is proportionate premium for the unexpired period in the running year and full refund for remaining full policy years, subject to proof of other liability-only insurance and original certificate of insurance.","display":"Proportionate refund 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) subject to submission of proof that vehicle is Insured elsewhere at least for Liability Only cover and original Certificate of Insurance.","sources":[{"clause":"6(II)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#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":"quote-verified","value":"The brochure describes the geographical area as India. The wording allows extension of the geographical area by endorsement to Nepal, Sri Lanka, Maldives, Bhutan, Pakistan or Bangladesh on payment of additional premium.","display":"India; optional extension to Nepal/Sri Lanka/Maldives/Bhutan/Pakistan/Bangladesh","note":"The base India statement is from the lower-priority brochure; the wording states the optional geographical extension.","quote":"If the vehicle is used outside the geographical area i.e. outside India ... IMT1. Extension of Geographical Area:\nIn considera tion of the payment of an additional premium of ₹________ it is hereby understood and agreed that notwithstanding anything contained in this Policy to the contrary the Geographical Area in this Policy shall from the<<DD/MM/YYYY>> to the <<DD/MM/YYYY>>(Both days inclusive) be deemed to include* ... Note:- Insert Nepal/Sri Lanka/Maldives/Bhutan/Pakistan/Bangladesh as the case may be.","sources":[{"clause":null,"heading":"Major exclusions of the policy are","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16773#c-major-exclusions-of-the-policy-are"},{"clause":"Section IV","heading":"Endorsements (attached to and forming part of Policy)","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-section-iv"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Package policy covering Loss or Damage to Insured Vehicle and Liability To Third Parties"],"display":"Package policy: own damage plus third-party liability","note":null,"quote":"Auto Secure - Two Wheeler Package Policy ... Section I. Loss or Damage to Insured Vehicle Section II. Liability To Third Parties Section III. Personal Accident Cover for Owner-Driver (if opted and shown in the Policy Schedule)","sources":[{"clause":"Row 1","heading":"Name of the Insurance Product/Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16966#c-row-1"},{"clause":null,"heading":"Customer Information Sheet/Know Your Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16966#c-customer-information-sheet-know-your-policy-2"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy covers sums the insured becomes legally liable to pay for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to property other than property belonging to or under the custody/control of the insured, subject to the limits in the Schedule.","display":"Legal liability for third-party death or bodily injury and third-party property damage, subject to Schedule limits","note":"The wording does not print an unlimited death or bodily injury limit; it says limits are as laid down in the Schedule.","quote":"Subject to the limits of liability as laid down in the Schedule hereto The Company will indemnify the Insured in the event of an accident caused by or arising out of the use of the Insured Vehicle against all sums which the Insured shall become legally liable to pay in respect of: ... i) Death of or bodily injury to any person including occupants carried in the Insured Vehicle (provided such occupants are not carried for hire or reward) ... ii) Damage to property other than property belonging to the Insured or held in trust or in the custody or control of the Insured.","sources":[{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-1-2"},{"clause":"1(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-1-i"},{"clause":"1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-1-ii"}],"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 Insured’s Declared Value (IDV) is the sum insured, fixed at the start of each period of insurance or policy year. It is based on the manufacturer’s listed selling price adjusted for depreciation, treated as market value for total loss, total theft and constructive total loss claims.","display":"IDV is the sum insured and market value for total loss, total theft and CTL","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ 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 manufacturer’s 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 Value’ throughout the Period of insurance / policy year","sources":[{"clause":null,"heading":"Sum Insured - Insured’s Declared Value (IDV)","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16830#c-sum-insured-insureds-declared-value-idv"}],"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, depreciation is 50% for rubber, nylon, plastic parts, tyres, tubes and batteries; 30% for fibre glass components; nil for glass; and for other parts it ranges from nil up to 50% by vehicle age. Painting depreciation is 50% on material cost only.","display":"50% rubber/nylon/plastic/tyres/tubes/batteries; 30% fibre glass; nil glass; other parts nil to 50% by age; painting 50% on material cost","note":null,"quote":"i. For All Rubber/Nylon/Plastic Parts, Tyres, Tubes and Batteries | 50%\nii. For Fibre Glass Components | 30%\niii. For All Parts made of Glass | NIL\niv. Rate of depreciation for all other parts including wooden parts will be as per following schedule ... Not Exceeding 6 months | NIL ... Exceeding 10 years | 50%\n5. 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-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-1"}],"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":"No Claim Bonus is allowed on renewal if no own-damage claim is made or pending: 20% after the preceding full year, 25% after 2 consecutive years, 35% after 3, 45% after 4 and 50% after 5 consecutive years.","display":"20%, 25%, 35%, 45% and 50% for 1 to 5 claim-free years","note":null,"quote":"No Claim Bonus (NCB) shall be allowed if no own damage claim is made or pending during the preceding full years of Insurance as per the following table ... No 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","heading":"No Claim Bonus","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-8"}],"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.","display":"₹100","note":null,"quote":"Compulsory Deductible under ‘Loss of or Damage to The Vehicle Insured’: ₹100","sources":[{"clause":"Row 1(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16966#c-row-1-ii"}],"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 is optional for motorised two wheelers other than for hire or reward. If opted, the insured bears the first amount stated in the Policy Schedule for each and every event under Section 1.","display":"Optional voluntary deductible as stated in the Policy Schedule, per event","note":"The fixed rupee amount is schedule-specific and not printed in the wording.","quote":"IMT22A. Voluntary Deductible: (For Private Cars/Motorsed 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 Section 1 of the Policy is hereby allowed. ... the Insured shall bear under Section 1 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":"3(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-3-b-3"}],"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":null,"quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless service is described in the claim procedure. After claim intimation, TATA AIG appoints a surveyor, verifies documents, shares repair approval if documents are in order, and after the repair invoice is submitted for cashless claims, issues a delivery order to the workshop.","display":"Yes, cashless service procedure is provided","note":null,"quote":"Details of procedure to be followed for Cashless service as well as for reimbursement of claim: ... 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":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16966#c-11"},{"clause":"11(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16966#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":"quote-verified","value":["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.","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the vehicleis damaged at the same time in which case the liability of The Company shall be limited to 50%of the cost of replacement.","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.","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or war like operations"],"display":"Outside geographical area, contractual liability, use outside limitations, unauthorised driver, wear and tear or breakdown, tyre/tube-only damage, accessories theft unless vehicle stolen, drunk/drug driving, nuclear risks and war risks","note":null,"quote":"Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area. ... Any claim arising out of any contractual liability. ... a) Being used otherwise than in accordance with the Limitations as to Use ... 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. ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages;\nb) Damage to Tyres and Tubes unless the vehicleis damaged at the same time in which case the liability of The Company shall be limited to 50%of the cost of replacement.\nc) Loss of or damage to accessories by burglary/housebreaking or theft unless the vehicle is stolen at the same time; and\nd) 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 or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or war like operations","sources":[{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-1-3"},{"clause":"2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-2-3"},{"clause":"3(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-3-a"},{"clause":"3(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-3-b"},{"clause":"2","heading":"The Company shall not be liable to make any payment in respect of","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-2"},{"clause":"5","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-5-2"},{"clause":"6","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764#c-6"}],"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 from the manufacturer’s listed selling price adjusted for depreciation and is treated as market value for total loss, total theft and constructive total loss claims.","display":"IDV, treated as market value for TL/TT/CTL claims","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this Policy ... The IDV of the vehicle (and side car accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s 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 Value’ throughout the Period of insurance / policy year","sources":[{"clause":null,"heading":"Sum Insured - Insured’s Declared Value (IDV)","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16830#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Auto Secure- Two Wheeler Package Policy (IRDAN108RPMT0076V03201819)","pages":39,"fetched_at":"2026-10-17 20:03:25+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_auto-secure-two-wheeler-package-policy.pdf_bf0c3ddeb3.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16764"},{"kind":"wording","label":"Auto Secure - Two Wheeler Package Policy(Base Product)(IRDAN108RPMT0076V03201819)","pages":14,"fetched_at":"2026-10-17 20:06:45+00","source_url":"https://www.tataaig.com/s3/Auto_Secure_Two_Wheeler_Package_Policy_Base_Policy_Wording_56b400846a.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16830"},{"kind":"cis","label":"Auto Secure- Two Wheeler Package Policy (IRDAN108RPMT0076V03201819)","pages":11,"fetched_at":"2026-10-17 20:11:19+00","source_url":"https://www.tataaig.com/s3/auto_secure_two_wheeler_package_policy_cis_31eb30028d.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16966"},{"kind":"brochure","label":"Auto Secure- Two Wheeler Package Policy (IRDAN108RPMT0076V03201819)","pages":14,"fetched_at":"2026-10-17 20:03:30+00","source_url":"https://www.tataaig.com/s3/auto_secure_two_wheeler_package_policy_brochure_549dcd2c22.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/16773"},{"kind":"proposal","label":"Auto Secure- Two Wheeler Package Policy (IRDAN108RPMT0076V03201819)","pages":null,"fetched_at":"2026-10-17 20:03:36+00","source_url":"https://www.tataaig.com/s3/Proposal_Forms_auto_secure_two_wheeler_package_policy.pdf_b6cac51ed2.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819/document/31802"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Auto Secure- Two Wheeler Package Policy (UIN IRDAN108RPMT0076V03201819), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/auto-secure-two-wheeler-package-policy-irdan108rpmt0076v03201819"}