{"uin":"IRDAN113RP0001V02201920","name":"Standalone Own Damage Cover for Private Car","url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2019-08-09","withdrawn_on":null,"summary":"This is a standalone own-damage private car policy where the insured vehicle is covered for listed perils including fire, theft, flood, accidental external means and transit. The sum insured is the IDV, and claims are promised settlement or rejection within 30 days of receiving the last relevant and necessary document.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:03:11.085038+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":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Policy Period, Risk Inception Date and Risk Expiry Date as shown in the schedule, but does not state a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the company immediately upon the occurrence of any accidental loss or damage. For theft or a criminal act, immediate notice must also be given to the police.","display":"Immediately upon accidental loss or damage; immediate police notice for theft or criminal act","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim and thereafter the Insured shall give all such information and assistance as the Company shall require. In case of theft or criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the police and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-conditions"}],"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":["completely filled Claim Form","detailed estimate of the cost of repairs"],"display":"Completely filled Claim Form; detailed estimate of the cost of repairs","note":null,"quote":"b) Submit completely filled Claim Form at the nearest Bajaj General Insurance Office ... b) the Company is furnished forthwith with a detailed estimate of the cost of repairs;","sources":[{"clause":"6(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-6-b-6"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-b-2"}],"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":"On receipt of all required relevant and necessary information or documents, the company shall offer settlement within 30 days. If it rejects the claim, it shall do so within 30 days from receipt of the last relevant and necessary document, and delay beyond 30 days attracts interest at 2% above bank rate.","display":"Settlement or rejection within 30 days from receipt of required or last relevant documents; interest at 2% above bank rate for delay","note":"The clause says this timing is applicable only to claims with regard to Section I of the policy.","quote":"On receipt of all required information/ documents that are relevant and necessary for the claim, the Company shall, within a period of 30 days offer a settlement of the claim to the insured. If the Company, for any reasons, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of last relevant and necessary document. In the event the claim is not settled within 30 days as stipulated above, the Company shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by the Company till the date of actual payment.","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-conditions"}],"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 insured vehicle is damaged at the same time","under the influence of intoxicating liquor or drugs","outside the Geographical area","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 Driver's Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear or breakdown, tyre damage unless vehicle also damaged, intoxication, outside geographical area, contractual liability, misuse, wrong driver, radiation, nuclear weapons, war","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) damage to tyres and tubes unless the insured vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement; ... c) any accidental loss or damage suffered whilst the Insured or any person driving the insured vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs. ... 1. any accidental loss or damage and/or liability caused sustained or incurred outside the Geographical area;\n2. any claim arising out of any contractual liability; ... a) being used otherwise than in accordance with the ‘Limitations as to Use’ or ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... ionising radiations or contamination by radioactivity ... Any accidental loss or 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 warlike operations","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-c"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-general-exceptions"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-a-3"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-b-3"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#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 contact the Branch Manager or Regional Manager of the local office which issued the policy. If dissatisfied after contacting the local office, e-mail or write to the Customer Care Cell at Bajaj Insurance House, Pune.","display":"First Branch Manager / Regional Manager of the issuing local office; then Customer Care Cell","note":null,"quote":"Initially, we suggest you contact the Branch Manager / Regional Manager of the local office which has issued the policy. The address and telephone number will be available in the policy. ... But if you feel dissatisfied with the suggested resolution of the issue after contacting the local office, please e-mail or write to:\nCustomer Care Cell Bajaj General Insurance Ltd Bajaj Insurance House, Airport Road, Yerawada, Pune 411 006 E-mail: careforyou@bajajgeneral.com","sources":[{"clause":null,"heading":"First Step","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-first-step"},{"clause":null,"heading":"Second Step","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-second-step"}],"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 explosion self-ignition or lightning","burglary housebreaking or theft","Riot and Strike","Earthquake (Fire and Shock Damage)","Flood Typhoon Hurricane Storm Tempest Inundation Cyclone Hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland waterway lift elevator or air","Landslide/Rockslide"],"display":"Fire, theft, riot and strike, earthquake, flood and storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against loss or damage to the insured vehicle here under and/or its accessories whilst thereon\na) by fire explosion self-ignition or lightning;\nb) by burglary housebreaking or theft;\nc) by Riot and Strike\nd) by Earthquake (Fire and Shock Damage)\ne) by Flood Typhoon Hurricane Storm Tempest Inundation Cyclone Hailstorm frost\nf) by accidental external means\ng) by malicious act\nh) by terrorist activity\ni) whilst in transit by road rail inland waterway lift elevator or air\nj) by Landslide/Rockslide","sources":[{"clause":null,"heading":"LOSS OR DAMAGE TO THE INSURED VEHICLE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-loss-or-damage-to-the-insured-vehicle"}],"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 with seven days’ notice. The company retains premium pro-rata for the period the cover existed, refunds the balance if any, subject to no claim during the policy year; completed policy-year premium is retained in full, and cancellation requires the vehicle to be insured elsewhere at least for liability-only cover.","display":"Seven days’ notice; pro-rata retention and balance refund if no claim; completed policy year retained in full","note":null,"quote":"The policy may be cancelled at the option of the insured with seven days’ notice of cancellation and the Company will be entitled to retain premium on pro-rata basis for the period for which the cover has been in existence prior to the cancellation of the policy. The balance premium, if any, will be refundable to the Insured. Refund of premium will be subject to there being no claim under the policy during the policy year. | Prorata refund of premium\nNote: For the completed Policy Year premium shall be retained in full.\nA policy can be cancelled only after ensuring that the insured vehicle is insured elsewhere, at least for Liability Only cover and after surrender of the original Certificate of Insurance for cancellation.","sources":[{"clause":"6(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-6-b-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The policy excludes loss outside the Geographical area, but the supplied wording does not define the geographical area of the base cover.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Standalone Own Damage Cover for Private Car"],"display":"Standalone Own Damage Cover for Private Car","note":null,"quote":"STANDALONE OWN DAMAGE COVER FOR PRIVATE CAR","sources":[{"clause":null,"heading":"STANDALONE OWN DAMAGE COVER FOR PRIVATE CAR","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-standalone-own-damage-cover-for-private-car"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"Third-party liability is not included in this standalone own-damage cover; for cancellation, the wording requires the insured vehicle to be insured elsewhere at least for Liability Only cover.","display":"Not included; Liability Only cover must be insured elsewhere for cancellation","note":null,"quote":"STANDALONE OWN DAMAGE COVER FOR PRIVATE CAR ... A policy can be cancelled only after ensuring that the insured vehicle is insured elsewhere, at least for Liability Only cover and after surrender of the original Certificate of Insurance for cancellation.","sources":[{"clause":null,"heading":"STANDALONE OWN DAMAGE COVER FOR PRIVATE CAR","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-standalone-own-damage-cover-for-private-car"},{"clause":"6(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-6-b-5"}],"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 of the vehicle is deemed the sum insured and is fixed at the commencement of each policy period. It is based on the manufacturer’s listed selling price adjusted for depreciation; beyond 5 years or obsolete models, it is determined by understanding between insurer and insured, and IDV is treated as market value for TL/CTL claims.","display":"IDV is the Sum Insured, fixed at commencement; manufacturer’s listed selling price adjusted for depreciation; market value for TL/CTL","note":null,"quote":"The Insured’s Declared Value (IDV) of the insured vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle.\nThe IDV of the insured vehicle (and accessories if any fitted to the insured 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 (as per schedule below). ... IDV of insured vehicles beyond 5 years of age and of obsolete models of the insured vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the Insured. IDV shall be treated as the ‘Market Value’ throughout the Policy Year without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#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, rubber/nylon/plastic parts, tyres and tubes, batteries and air bags are depreciated at 50%; fibre glass components at 30%; glass at Nil. Painting has 50% depreciation on material cost, and all other parts including wooden parts follow the age table from Nil for not exceeding 6 months to 50% for exceeding 10 years.","display":"50% on rubber/nylon/plastic, tyres and tubes, batteries and air bags; 30% on fibre glass; Nil on glass; other parts Nil to 50% by vehicle age","note":null,"quote":"1 For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50%\n2. For fibre glass components | - 30%\n3. For all parts made of glass | - Nil ... 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. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of the total painting charges for the purpose of applying the depreciation. ... Rate of depreciation for all other parts including wooden parts will be as per the following schedule.\nAGE OF INSURED VEHICLE | % OF DEPRICIATION\nNot exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50%","sources":[{"clause":"1","heading":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50%","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-1"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"NCB is a discount on own damage premium and becomes due at renewal after completion of the full policy duration. For a 1 Year policy with no claim, the table shows 20%, 25%, 35%, 45% or 50% depending on inception NCB, and the note says maximum NCB that can be earned is 50%, with 55% and 65% only under the Sunset Clause.","display":"Discount on Own Damage Premium; maximum earned NCB 50%; entitled only at renewal after full policy duration","note":null,"quote":"% of discount on Own Damage Premium\n1 Year | 0 | 20% | 0% | 0% | 0%\n20 | 25% | 0% | 0% | 0%\n25 | 35% | 0% | 0% | 0%\n35 | 45% | 0% | 0% | 0%\n45 | 50% | 0% | 0% | 0%\n50 | 50% | 0% | 0% | 0% ... i) Maximum NCB that can be earned by an Insured is 50%\nii) An Insured becomes entitled for NCB only at the time of renewal of policy after the expiry of the full duration of the Policy.\niii) NCB 55% and 65% applicable as per Sunset Clause","sources":[{"clause":"6(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-6-b-4"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the compulsory deductible is the deductible stated in the policy schedule, but the schedule amount is not supplied.","quote":null,"sources":[],"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":"The insured may opt for a higher voluntary deductible over and above the compulsory deductible. For IDV upto Rs. 20 lakhs, voluntary deductible options run from Rs. 1000 to Rs. 15000; for IDV more than Rs. 20 Lakhs, options run from Rs. 1000 to Rs. 50000.","display":"Optional higher deductible over compulsory deductible: Rs. 1000 to Rs. 15000 for IDV upto Rs. 20 lakhs; up to Rs. 50000 for IDV more than Rs. 20 Lakhs","note":"The discount also varies by deductible option and IDV band.","quote":"b) Voluntary Deductibles: Insured may opt for higher deductible over and above the compulsory deductible in which case suitable discount will be allowed as per the following table:- ... For insured vehicles having IDV upto Rs. 20 lakhs, the below table will be used for options of voluntary deductibles and respective discounts:\nVOLUNTARY DEDUCTIBLE | DISCOUNT\nRs. 1000 | 7.5% on the OD premium of the insured vehicle, subject to a maximum of Rs. 1,050/-\nRs. 1500 | 12.5% on the OD premium of the insured vehicle, subject to a maximum of Rs. 1,500/-\nRs. 2500 | 20% on the OD premium of the insured vehicle, subject to a maximum of Rs. 2,250/-\nRs. 5000 | 25% on the OD premium of the insured vehicle, subject to a maximum of Rs. 4,500/-\nRs. 7500 | 30% on the OD premium of the insured vehicle, subject to a maximum of Rs. 6,000/-\nRs. 15000 | 35% on the OD premium of the insured vehicle, subject to a maximum of Rs. 7,500/- ... For insured vehicles having IDV more than Rs. 20 Lakhs, the below table will be used for options of voluntary deductibles and respective discounts.\nVOLUNTARY DEDUCTIBLE | DISCOUNT\nRs. 1000 | 7.5% on the OD premium of the insured vehicle, subject to a maximum of Rs. 1,050/-\nRs. 1500 | 12.5% on the OD premium of the insured vehicle, subject to a maximum of Rs. 1,500/-\nRs. 2500 | 20% on the OD premium of the insured vehicle, subject to a maximum of Rs. 2,250/-\nRs. 5000 | 25% on the OD premium of the insured vehicle, subject to a maximum of Rs. 4,500/-\nRs. 7500 | 30% on the OD premium of the insured vehicle, subject to a maximum of Rs. 6,000/-\nRs. 15000 | 35% on the OD premium of the insured vehicle, subject to a maximum of Rs. 7,500/-\nRs. 25000 | 40% on the OD premium of the insured vehicle, subject to a maximum of Rs. 22,500/-\nRs. 35000 | 45% on the OD premium of the insured vehicle, subject to a maximum of Rs. 30,000/-\nRs. 50000 | 50% on the OD premium of the insured vehicle, subject to a maximum of Rs. 45,000/-","sources":[{"clause":"6(b)","heading":"Voluntary Deductibles","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-6-b"},{"clause":"6(b)(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-6-b-i"},{"clause":"6(b)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-6-b-ii"}],"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":"quote-verified","value":["Depreciation Shield","Accidental Hospitalisation Allowance Cover","Accidental Medical Expenses Cover","Keys and Lock Replacement Cover","Rim Safeguard","Tyre Safeguard","Consumable Expenses","Personal Baggage Cover","24x7 Spot Assistance","Vehicle Replacement Advantage","Engine Protector","Accident Shield","Conveyance Benefit","EMI Protect","Pay As You Consume","Depreciation Shield – Variant 2 (V2)","Rodent Damage Cover","Electric Vehicle/ Hybrid System Protection Cover","Cyber Risk Cover","Defence Cost Cover","Towing Cover","V- Pay","Named Driver","Eco Repairs","Damage to Engine arising out of use of Adulterated Fuel","Accident Prime","No Claim Bonus Protector","Loss of Documents","Missed Flight","Vehicle Relocation Cover","Paint Protection Film"],"display":"Depreciation Shield, Accidental Hospitalisation Allowance Cover, Accidental Medical Expenses Cover, Keys and Lock Replacement Cover, Rim Safeguard, Tyre Safeguard, Consumable Expenses, Personal Baggage Cover, 24x7 Spot Assistance, Vehicle Replacement Advantage, Engine Protector, Accident Shield, Conveyance Benefit, EMI Protect, Pay As You Consume, Depreciation Shield – Variant 2 (V2), Rodent Damage Cover, Electric Vehicle/ Hybrid System Protection Cover, Cyber Risk Cover, Defence Cost Cover, Towing Cover, V- Pay, Named Driver, Eco Repairs, Damage to Engine arising out of use of Adulterated Fuel, Accident Prime, No Claim Bonus Protector, Loss of Documents, Missed Flight, Vehicle Relocation Cover, Paint Protection Film","note":null,"quote":"Sr. No | Add on Covers | UIN Number\n1 | Depreciation Shield | IRDAN113RP0001V02201920/A0003V02201920\n2 | Accidental Hospitalisation Allowance Cover | IRDAN113RP0001V02201920/A0016V02201920\n3 | Accidental Medical Expenses Cover | IRDAN113RP0001V02201920/A0015V02201920\n4 | Keys and Lock Replacement Cover | IRDAN113RP0001V02201920/A0014V02201920\n5 | Rim Safeguard | IRDAN113RP0001V02201920/A0013V02201920\n6 | Tyre Safeguard | IRDAN113RP0001V02201920/A0012V02201920\n7 | Consumable Expenses | IRDAN113RP0001V02201920/A0011V02201920\n8 | Personal Baggage Cover | IRDAN113RP0001V02201920/A0010V02201920\n9 | 24x7 Spot Assistance | IRDAN113RP0001V02201920/A0009V02201920\n10 | Vehicle Replacement Advantage | IRDAN113RP0001V02201920/A0008V02201920\n11 | Engine Protector | IRDAN113RP0001V02201920/A0007V02201920\n12 | Accident Shield | IRDAN113RP0001V02201920/A0005V02201920\n13 | Conveyance Benefit | IRDAN113RP0001V02201920/A0004V02201920\n14 | EMI Protect | IRDAN113RP0001V02201920/A0005V02202021\n15 | Pay As You Consume | IRDAN113RP0001V02201920/A0013V02202223\n16 | Depreciation Shield – Variant 2 (V2) | IRDAN113RP0001V02201920/A0022V02202223\n17 | Rodent Damage Cover | IRDAN113RP0001V02201920/A0035V02202223\n18 | Electric Vehicle/ Hybrid System Protection Cover | IRDAN113RP0001V02201920/A0036V02202223\n19 | Cyber Risk Cover | IRDAN113RP0001V02201920/A0037V02202223\n20 | Defence Cost Cover | IRDAN113RP0001V02201920/A0038V02202223\n21 | Towing Cover | IRDAN113RP0001V02201920/A0003V02202324\n22 | V- Pay | IRDAN113RP0001V02201920/A0017V03202324\n23 | Named Driver | IRDAN113RP0001V02201920/A0042V02202425\n24 | Eco Repairs | IRDAN113RP0001V02201920/A0038V02202425\n25 | Damage to Engine arising out of use of Adulterated Fuel | IRDAN113RP0001V02201920/A0045V02202425\n26 | Accident Prime | IRDAN113RP0001V02201920/A0049V02202425\n27 | No Claim Bonus Protector | IRDAN113RP0001V02201920/A0006V01201920\n28 | Loss of Documents | IRDAN113RP0001V02201920/A0014V01202627\n29 | Missed Flight | IRDAN113RP0001V02201920/A0018V01202627\n30 | Vehicle Relocation Cover | IRDAN113RP0001V02201920/A0022V01202627\n31 | Paint Protection Film | IRDAN113RP0001V02201920/A0002V01202627","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3055#c-s1"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":"The supplied wording refers to authorized or preferred workshops in add-on clauses, but does not state that repairs can be cashless at network garages.","quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres and tubes unless the insured vehicle is damaged at the same time","under the influence of intoxicating liquor or drugs","outside the Geographical area","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 Driver's Clause","contractual liability","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear or breakdown, tyre damage unless vehicle also damaged, intoxication, outside geographical area, misuse, driver not as driver clause, contractual liability, radiation, nuclear weapons, war","note":null,"quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; ... b) damage to tyres and tubes unless the insured vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement; ... c) any accidental loss or damage suffered whilst the Insured or any person driving the insured vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs. ... 1. any accidental loss or damage and/or liability caused sustained or incurred outside the Geographical area;\n2. any claim arising out of any contractual liability; ... a) being used otherwise than in accordance with the ‘Limitations as to Use’ or ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... ionising radiations or contamination by radioactivity ... Any accidental loss or 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 warlike operations","sources":[{"clause":"5(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-c"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-general-exceptions"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-a-3"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-5-b-3"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#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 cover amount is the Insured’s Declared Value. The IDV is deemed the sum insured, fixed at the start of each policy period, based on the manufacturer’s listed selling price adjusted for depreciation.","display":"IDV basis: manufacturer’s listed selling price adjusted for depreciation","note":null,"quote":"The Insured’s Declared Value (IDV) of the insured vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle.\nThe IDV of the insured vehicle (and accessories if any fitted to the insured 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 (as per schedule below).","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Standalone Own Damage Cover for Private Car Policy Wordings","pages":9,"fetched_at":"2026-10-17 19:37:01+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/Policy-Wordings-Standalone-OD-Cover-for-Private-Car.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3036"},{"kind":"wording","label":"Private Car Standalone Own Damage Add On Covers Policy Wordings","pages":90,"fetched_at":"2026-10-17 19:37:31+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/add-on/Private-Car-Standalone-Own-Damage-Add-on-Covers.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/3055"},{"kind":"wording","label":"Standalone Own Damage Cover for Private Car (IRDAI copy)","pages":7,"fetched_at":"2026-10-20 00:28:11+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN113RP0001V01201920_GEN2998.pdf/b51d72cf-1301-65a6-dc11-e205a8c3f267?version=1.1&t=1668340744035&download=true","url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/23583"},{"kind":"brochure","label":"Accident Prime Policy Wordings","pages":4,"fetched_at":"2026-10-17 19:35:04+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/add-on/Accident-Prime-Brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920/document/2981"}],"versions":[{"uin":"IRDAN113RP0001V01201920","version":null,"approved_on":null},{"uin":"IRDAN113RP0001V02201920","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":"Standalone Own Damage Cover for Private Car (UIN IRDAN113RP0001V02201920), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-private-car-irdan113rp0001v02201920"}