{"uin":"IRDAN113CP0054V01201920","name":"Motor Dealer Package Policy","url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"business","category_name":"Shop and business","irdai_type":null,"kind":"product","status":"active","approved_on":"2017-03-31","withdrawn_on":null,"summary":"This is a motor dealer package policy for a dealer's premises, contents, unregistered vehicles, customers' vehicles, money, machinery and liability risks. The policy is restricted to Indian territory unless otherwise specified and uses Sum Insured or Limit of Indemnity in the Policy Schedule as the maximum liability.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:39:59.772754+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 wording describes sections, add-on covers and optional covers, but does not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the Policy Period by dates shown in the Policy Schedule, but does not print a fixed term such as one year.","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":"The general claim process requires the insured to contact the company and intimate the claim within 24 hours of an event giving rise to a claim. Some sections print their own deadlines, including section 6 and public liability within 7 days and section 3 within 24 hours of occurrence.","display":"Within 24 hours for the general claim process; section-specific deadlines may apply","note":"Section 3 is for damage to registered motor vehicles belonging to customers and held in trust. Section 6 is fidelity guarantee. Section 10 is public liability.","quote":"Upon the happening of any event giving rise to a claim, the insured shall within 24 hours contact the Company and intimate the claim. ... The insured shall give notice of any claim under section 3 immediately in any event within 24 hours of the occurrence ... Immediately and, in any event, within 7 days, give full written notice of the same ... the Insured shall immediately and in any event within 7 days give, to the servicing office of the Company, written notice","sources":[{"clause":"11","heading":"Claim Settlement Process","page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-6"},{"clause":"5(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-5-b"},{"clause":"4(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-4-a-4"},{"clause":"24","heading":null,"page":29,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-24-2"}],"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":["Duly completed claim form signed by the insured","Fire Brigade Report in case of Fire","Written complaint to Police (FIR) for Theft and Burglary/Robbery Claims","Police Final Investigation Report for Theft and Burglary/Robbery Claims","Bills and invoices, valuation reports etc required to support and substantiate the claim amount","NEFT details & cancelled cheque","Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim"],"display":"Claim form, fire brigade report for fire, FIR and police final report for theft/burglary/robbery, bills/invoices/valuation reports, NEFT details and cancelled cheque, and any other necessary document","note":null,"quote":"a) Duly completed claim form signed by the insured, detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company, and; ... b) Fire Brigade Report in case of Fire ... c) Written complaint to Police (FIR) for Theft and Burglary/Robbery Claims ... d) Police Final Investigation Report for Theft and Burglary/Robbery Claims ... e) Bills and invoices, valuation reports etc required to support and substantiate the claim amount ... f) NEFT details & cancelled cheque ... g) Any other document deemed necessary to establish the loss or its quantum depending upon the nature of claim.","sources":[{"clause":"11(a)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-a-2"},{"clause":"11(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-b-2"},{"clause":"11(c)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-c-2"},{"clause":"11(d)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-d-2"},{"clause":"11(e)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-e-2"},{"clause":"11(f)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-f"},{"clause":"11(g)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-g"}],"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":"The company appoints a surveyor within 72 hours of intimation. The surveyor reports within 30 days of appointment, the company decides admissibility or offers settlement within 30 days of the survey or additional survey report, and payment is made within 7 days of acceptance of the offer.","display":"Surveyor within 72 hours of intimation; decision or offer within 30 days of survey report; payment within 7 days of acceptance","note":"If rejecting a claim, the insurer must communicate rejection within 30 days of receipt of the survey report or additional survey report; clause 338260 also says rejection reasons are communicated within 30 days of receipt of documents.","quote":"the company will take call to appoint a surveyor for assessing the loss/ claim within 72 hours of the receipt of intimation from the Insured. ... The surveyor shall communicate his/ her report to the Company within 30 days of his/ her appointment. ... the Company shall within a period of 30 days take call as to whether the claim is admissible or not and if admissible offer a settlement of the claim to the Insured. ... the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the insured.","sources":[{"clause":"11(g)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-g"}],"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":["The Insured’s consequential losses of any kind","Ionising radiation or contamination by radioactivity","The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof","Asbestosis or in any manner related to or arising out of the sale, manufacture, production, distribution or the like of asbestos","Any circumstance, fact or mater of which the Insured was or ought reasonably to have been aware prior to the commencement of the Policy Period","War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power","Liability more specifically insured elsewhere","Libel, slander, false arrest, wrongful eviction, wrongful detention, defamation including mental injury, anguish or shock resulting there from","loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism","covered Perils arising out of the reckless, deliberate, wilful or intentional acts of the Insured or the Insured’s Employees"],"display":"Consequential loss, nuclear/radioactive risks, asbestos, known prior circumstances, war and similar risks, liability insured elsewhere, defamation and similar claims, terrorism, and reckless/deliberate/wilful/intentional acts","note":"The policy also contains section-specific exclusions for each cover.","quote":"The Insured’s consequential losses of any kind, be they by way of loss of profit, loss of opportunity, business interruption, market loss or otherwise ... Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. ... The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof. ... Asbestosis or in any manner related to or arising out of the sale, manufacture, production, distribution or the like of asbestos. ... Any circumstance, fact or mater of which the Insured was or ought reasonably to have been aware prior to the commencement of the Policy Period. ... War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power ... Liability more specifically insured elsewhere. ... Libel, slander, false arrest, wrongful eviction, wrongful detention, defamation including mental injury, anguish or shock resulting there from. ... this insurance excludes loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism ... Any covered Perils[which causes loss or damage to insured property] arising out of the reckless, deliberate, wilful or intentional acts of the Insured or the Insured’s Employees","sources":[{"clause":"10(d)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-10-d-2"},{"clause":"18","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-18-2"}],"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 contact the Customer Experience Team through the website, toll-free number, email or postal address. If not satisfied, write to the Grievance Redressal Officer, then use the missed call/SMS care specialist route or write to Head of Customer experience before approaching the Insurance Ombudsman.","display":"Level 1 Customer Experience Team; Level 2 Grievance Redressal Officer; Level 3 care specialist or Head of Customer experience; then Insurance Ombudsman","note":null,"quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options: ... Level 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com ... Level 3 If in case, your grievance is not resolved and you wish to talk to our care specialist, please Give a missed on +91 80809 45060 OR SMS to 575758 and our care specialist will call you back ... If you are still not satisfied with the solutions provided, write to Head of Customer experience directly at head.customerservice@bajajgeneral.com ... If you are still not satisfied, you can approach the Insurance Ombudsman in the respective area for resolving the issue.","sources":[{"clause":"24","heading":"Territorial Limits","page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-24-3"}],"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":["Fire","Lightning","Explosion/Implosion","Aircraft Damage","Riot, Strike, Malicious Damage","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation","Earthquake, Volcanic Eruption or other Convulsions of Nature","Impact Damage","Subsidence and Landslide including Rock slide","Bursting and/or overflowing of Water Tanks, Apparatus and Pipes","Missile testing operations","Leakage from Automatic Sprinkler Installations","Bush Fire","actual or attempted Burglary and/or Robbery","By accidental external means"],"display":"Fire, lightning, explosion/implosion, aircraft damage, riot/strike/malicious damage, storm/cyclone/flood and other natural perils, impact, subsidence/landslide, water tank bursting, missile testing, sprinkler leakage, bush fire, burglary/robbery and accidental external means","note":"The policy has several sections; coverage depends on the section and property insured in the Policy Schedule.","quote":"1. Fire ... Lightning ... Explosion/Implosion ... 4. Aircraft Damage ... 5 Riot, Strike, Malicious Damage ... Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation ... Earthquake, Volcanic Eruption or other Convulsions of Nature ... Impact Damage ... Subsidence and Landslide including Rock slide ... Bursting and/or overflowing of Water Tanks, Apparatus and Pipes ... Missile testing operations ... Leakage from Automatic Sprinkler Installations ... 13 Bush Fire ... caused by actual or attempted Burglary and/or Robbery during the Policy Period ... By accidental external means whilst stored or lying in the Insured’s Workshop for repair, Maintenance or service","sources":[{"clause":"4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-4-2"},{"clause":"5","heading":"Riot, Strike, Malicious Damage","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-5-2"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-6-2"},{"clause":"7","heading":"Earthquake, Volcanic Eruption or other Convulsions of Nature","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-7-2"},{"clause":"8","heading":"Impact Damage","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-8-2"},{"clause":"9","heading":"Subsidence and Landslide including Rock slide","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-9-2"},{"clause":"10","heading":"Bursting and/or overflowing of Water Tanks, Apparatus and Pipes","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-10-2"},{"clause":"11","heading":"Missile testing operations","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-11-2"},{"clause":"12","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-12-2"},{"clause":"13","heading":"Bush Fire","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-13-2"},{"clause":"3","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-3-3"},{"clause":"1","heading":"By accidental external","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-1-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Deductibles apply by section and may be chosen by the insured in some sections. For Section 3, the deductible is the first 5% of each claim subject to a minimum of INR 2,500, INR 5,000 or INR 7,000 as chosen by the insured.","display":"Section 3: first 5% of each claim, minimum INR 2,500 / INR 5,000 / INR 7,000 as chosen","note":"The wording does not state that choosing a higher deductible reduces premium.","quote":"Deductible means the amount which shall be borne by the Insured in respect of each and every claim made under this Policy. ... a) First 5% of each and every claim amount subject to a minimum of INR 2,500 or ... b) First 5% of each and every claim amount subject to a minimum of INR 5,000 or ... c) First 5% of each and every claim amount subject to a minimum of INR 7,000 As chosen by the insured.","sources":[{"clause":"9","heading":"Deductible","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-9"},{"clause":"5(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-5-a-2"},{"clause":"5(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-5-b-2"},{"clause":"5(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-5-c-2"}],"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 on 15 days written notice. If no claim has arisen, the refund is premium paid less the company's short period rate for the period the policy was in force, subject to a minimum retention of Rs-100; no refund is due if the insured has made any claim.","display":"15 days written notice; refund less short-period premium if no claim; no refund if a claim has been made","note":null,"quote":"The Policy may be cancelled at any time by the Insured on fifteen days written notice to the Company and provided no claim has arisen during the Policy Period, the Insured shall be entitled to a return of premium less premium at the Company’s Short Period rates as shown below for the period Policy has been in force subject to a minimum retention of premium of Rs-100. However, no refund of premium shall be due on cancellation if the Insured has made any claim under one or more than one sections of this Policy.","sources":[{"clause":"18","heading":"Cancellation","page":40,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-18-4"}],"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 geographical limit is Indian territory unless otherwise specified. The indemnity is restricted to claims brought in India and determined according to Indian law, with payment in Indian Rupees only.","display":"Indian territory, unless otherwise specified; claims brought in India under Indian law","note":null,"quote":"Geographical Limits means Indian territory, unless otherwise specified ... The indemnity provided under this Policy is restricted to claims brought in India and determined according to Indian law, and the obligation of the Company to make payment shall be to make payment in Indian Rupees only.","sources":[{"clause":"15","heading":"Geographical Limits","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-15"},{"clause":"24","heading":"Territorial Limits","page":41,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-24-3"}],"law":[]},{"key":"property_covered","label":"Property covered","section":"Cover","meaning":"Building, stock, plant, machinery, contents.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"business_interruption","label":"Business interruption","section":"Cover","meaning":"Loss of profit while the business cannot run.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The policy uses the Sum Insured or Limit of Indemnity stated in the Policy Schedule as the maximum liability. For vehicle total loss, customer registered vehicles are settled on the manufacturer's listed selling price adjusted for betterment, wear and tear and depreciation, and unregistered vehicles are settled on Landed Cost adjusted for betterment, wear and tear and depreciation, capped by the Sum Insured.","display":"Sum Insured/Limit of Indemnity in the Policy Schedule; vehicle total loss based on manufacturer listed selling price or Landed Cost adjusted for depreciation","note":"Different sections and property types have different loss-settlement bases, but the maximum liability is tied to the Sum Insured or Limit of Indemnity in the Policy Schedule.","quote":"Sum Insured means the amount stated in the Policy Schedule, which is (same as expressly stated to the contrary) the maximum amount ... Limit of Indemnity means the amount stated in the Policy Schedule, which shall be the Company’s maximum liability under this Policy. ... In the event of a Total Loss the Company shall indemnify the Insured the manufacturer’s listed selling Price as on the date of loss of the brand and model of the Vehicle belonging to the Insured’s Customers adjusted for betterment, wear and tear and depreciation. ... In the event of a Total loss the Company shall indemnify the Insured for the Landed Cost of the Unregistered Vehicle including purchase cost, freight, taxes, Duties and Insurance as on the date of loss adjusted for betterment, wear and tear and depreciation","sources":[{"clause":"34","heading":"Sum Insured","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-34"},{"clause":"19","heading":"Limit of Indemnity","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-19"},{"clause":"5(c)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-5-c-2"},{"clause":"5","heading":"BASIS OF TOTAL LOSS SETTLEMENT FOR UNREGISTERED VEHICLES BELONGING TO THE INSURED","page":14,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293#c-5-3"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Motor Dealer Package Policy Policy Wordings","pages":52,"fetched_at":"2026-10-17 19:46:24+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/motor-dealer-package-policy/Motor-Dealer-Package-Policy.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/3293"},{"kind":"wording","label":"Motor Dealer Package Policy (IRDAI copy)","pages":50,"fetched_at":"2026-10-20 00:28:10+00","source_url":"https://irdai.gov.in/documents/37343/993134/07..+Motor+Dealer+Package+Policy_GEN1050.pdf/409bdb5a-35da-45c2-50b2-49dfb74e4f28?version=1.1&t=1668598590747&download=true","url":"https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920/document/23609"}],"versions":[{"uin":"IRDAN113P0029V02200102","version":null,"approved_on":null},{"uin":"IRDAN113CP0054V01201920","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.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","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","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":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","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":"Motor Dealer Package Policy (UIN IRDAN113CP0054V01201920), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/motor-dealer-package-policy-irdan113cp0054v01201920"}