{"uin":"IRDAN113RP0002V02201920","name":"Standalone Own Damage Cover for Two Wheeler","url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a standalone own damage cover for two-wheelers that indemnifies loss or damage to the insured vehicle from listed perils such as fire, theft, riot, earthquake, flood, accidental external means and transit. The sum insured is the IDV treated as market value for total loss claims, and optional add-ons include 24 X 7 Spot Assistance, Depreciation Shield, Engine Protector and Vehicle Replacement Advantage.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:50:40.670439+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 defines Policy Year as 12 months within the Policy Period, but the actual Policy Period is stated to be as specified in the Schedule.","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 occurrence of any accidental loss or damage; for theft or other criminal act, immediate notice must also be given to the Police.","display":"Immediately in writing to the Company; immediate Police notice for theft or other criminal act.","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage and in the event of any claim ... In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#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"],"display":"completely filled Claim Form","note":null,"quote":"Submit completely filled Claim Form at the nearest Bajaj General Insurance Office","sources":[{"clause":"6(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-6-b-6"}],"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 must offer settlement within 30 days. If rejecting, it must do so within 30 days from receipt of the last relevant and necessary document; delay beyond 30 days attracts interest at 2% above the bank rate from receipt of the last relevant and necessary document until actual payment.","display":"Settlement offer within 30 days of all required documents; rejection within 30 days of last relevant document; delay interest 2% above bank rate.","note":null,"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. ... 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. ... interest at a rate, which is 2% above the bank rate","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#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 and electrical breakdown failures or breakage's","Damage to Tyres and Tubes unless the insured vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the insured vehicle is stolen at the same time","any accidental loss or damage suffered whilst the Insured or any person driving with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs","Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area","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","Any Claim arising out of any Contractual Liability","ionising radiation or contamination by radioactivity","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Consequential loss, wear and tear/breakdown, tyres/tubes unless vehicle is also damaged, accessories theft unless vehicle is stolen, intoxication, outside geographical area, use or driver not permitted, contractual liability, radiation/nuclear, and war risks.","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical and electrical breakdown failures or breakage's; ... Damage to Tyres and Tubes unless the insured vehicle is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the insured vehicle is stolen at the same time ... any accidental loss or damage suffered whilst the Insured or any person driving with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs. ... Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area. ... 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. ... Any Claim arising out of any Contractual Liability. ... ionising radiation or contamination by radioactivity ... 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-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-general-exceptions"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-a-3"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-b-3"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#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 General Insurance Ltd, Bajaj Insurance House, Airport Road, Yerawada, Pune 411 006, E-mail: careforyou@bajajgeneral.com.","display":"First: Branch Manager / Regional Manager of the issuing local office. Second: Customer Care Cell, Bajaj General Insurance Ltd, Pune; careforyou@bajajgeneral.com.","note":null,"quote":"First Step Initially, we suggest you contact the Branch Manager / Regional Manager of the local office which has issued the policy. ... Second Step ... 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":"6(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-6-b-5"}],"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, explosion, self-ignition or lightning; burglary, housebreaking or theft; riot and strike; earthquake; flood and storm perils; accidental external means; malicious act; terrorist activity; transit; landslide/rockslide.","note":null,"quote":"a) 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-two-wheeler-irdan113rp0002v02201920/document/3040#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 on a pro-rata basis for the period the cover existed and refunds the balance, subject to no claim during the policy year; completed Policy Year premium is retained in full, and cancellation is allowed only after ensuring the vehicle is insured elsewhere at least for Liability Only cover and surrender of the original Certificate of Insurance.","display":"Seven days’ notice; pro-rata premium retained and balance refunded if no claim in the policy year; completed Policy Year premium 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. ... For the completed Policy Year premium shall be retained in full. ... 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":"6(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#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 wording excludes loss outside the Geographical Area but does not define the Geographical Area in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["STANDALONE OWN DAMAGE COVER FOR TWO-WHEELER"],"display":"Standalone own damage cover for two-wheeler.","note":null,"quote":"STANDALONE OWN DAMAGE COVER FOR TWO-WHEELER","sources":[{"clause":null,"heading":"Bajaj General Insurance Limited","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-bajaj-general-insurance-limited"}],"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":"This is a standalone own damage cover for two-wheeler and the main insuring clause indemnifies loss or damage to the insured vehicle.","display":"Standalone own damage cover; loss or damage to the insured vehicle.","note":"The base wording provided does not print a third-party liability insuring section.","quote":"STANDALONE OWN DAMAGE COVER FOR TWO-WHEELER ... The Company will indemnify the insured against loss or damage to the insured vehicle","sources":[{"clause":null,"heading":"Bajaj General Insurance Limited","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-bajaj-general-insurance-limited"},{"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-two-wheeler-irdan113rp0002v02201920/document/3040#c-loss-or-damage-to-the-insured-vehicle"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value (IDV) is deemed to be the Sum Insured. It is fixed at commencement of each policy period based on the manufacturer's listed selling price of the brand and model at commencement of insurance or renewal, adjusted for depreciation; for total loss or constructive total loss, IDV is treated as Market Value throughout the Policy Year without further depreciation.","display":"IDV is the Sum Insured, fixed at each policy period from manufacturer’s listed selling price adjusted for depreciation; for TL/CTL it is treated as Market Value during the Policy Year.","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 ... fixed at the commencement of each policy period ... fixed on the basis of the manufacturer’s listed selling price ... adjusted for depreciation ... 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-two-wheeler-irdan113rp0002v02201920/document/3040#c-sum-insured-insureds-declared-value-idv"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber, nylon, plastic parts, tyre and battery; 30% for fibre glass components; nil for glass; for painting, 50% applies only on material cost, with material deemed 25% of consolidated painting charges; other parts including wooden parts range from nil to 50% by vehicle age.","display":"50% rubber/nylon/plastic/tyre/battery; 30% fibre glass; nil glass; painting material 50%; other parts nil to 50% by age.","note":null,"quote":"For all rubber nylon plastic parts tyre and Battery - 50% ... For fibre glass components | 30% ... For all parts made of glass - | Nil ... Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost ... material component shall be considered as 25% of the total painting charges ... 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 ... Exceeding 10 years | 50%","sources":[{"clause":"1","heading":"For all rubber nylon plastic parts tyre and Battery - 50%","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-1"},{"clause":"4","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#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 determined by the policy's NCB provisions. The wording says the maximum NCB that can be earned is 50%, with 55% and 65% applicable as per Sunset Clause, and entitlement arises only at renewal after the full duration of the policy.","display":"Discount on Own Damage Premium; maximum earned NCB 50%, with 55% and 65% as per Sunset Clause.","note":null,"quote":"% of discount on Own Damage Premium ... NOTE:\ni) 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-two-wheeler-irdan113rp0002v02201920/document/3040#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 no amount is printed in the provided wording.","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 deductible over and above the compulsory deductible for a discount. Voluntary deductible options are Rs. 500, Rs. 750, Rs. 1000, Rs. 1500 and Rs. 3000 for vehicles with IDV up to Rs. 75000; for IDV more than Rs. 75000, options extend up to Rs. 15000.","display":"Optional higher deductible over compulsory deductible: Rs. 500 to Rs. 3000 if IDV up to Rs. 75000; Rs. 500 to Rs. 15000 if IDV more than Rs. 75000.","note":"Discounts range from 5% to 25% on OD premium for IDV up to Rs. 75000, and 5% to 45% for IDV more than Rs. 75000.","quote":"Insured may opt for higher deductible over and above the compulsory deductible in which case suitable discount will be allowed ... For Vehicles having IDV upto Rs. 75000 ... Rs. 500 ... Rs. 750 ... Rs. 1000 ... Rs. 1500 ... Rs. 3000 ... For Vehicles having IDV more than Rs. 75000 ... Rs. 500 ... Rs. 750 ... Rs. 1000 ... Rs. 1500 ... Rs. 3000 ... Rs. 4000 ... Rs. 6500 ... Rs. 10000 ... Rs. 15000","sources":[{"clause":"6(b)","heading":"Voluntary Deductibles","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-6-b"},{"clause":"6(b)(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#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-two-wheeler-irdan113rp0002v02201920/document/3040#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":["24 X 7 Spot Assistance","Accidental Hospitalisation Cover","Accident Shield","Consumable Expenses","Conveyance Benefit","Cyber Risk Cover","Defence Cost Cover","Depreciation Shield","Electric Vehicle/ Hybrid System Protection Cover","EMI Protect","Engine Protector","Keys and Locks Replacement Cover","Rim Safeguard","Rodent Damage Cover","Tyre Safeguard","Vehicle Replacement Advantage (Exclusive Cover)","Vehicle Replacement Advantage (Standard Cover)","No Claim Bonus Protector","Loss of Documents"],"display":"24 X 7 Spot Assistance; Accidental Hospitalisation Cover; Accident Shield; Consumable Expenses; Conveyance Benefit; Cyber Risk Cover; Defence Cost Cover; Depreciation Shield; Electric Vehicle/ Hybrid System Protection Cover; EMI Protect; Engine Protector; Keys and Locks Replacement Cover; Rim Safeguard; Rodent Damage Cover; Tyre Safeguard; Vehicle Replacement Advantage; No Claim Bonus Protector; Loss of Documents.","note":"These are add-on covers, not base cover benefits.","quote":"1 | 24 X 7 Spot Assistance | IRDAN113RP0002V02201920/A0025V02201920\n2 | Accidental Hospitalisation Cover | IRDAN113RP0002V02201920/A0024V02201920\n3 | Accident Shield | IRDAN113RP0002V02201920/A0018V02201920\n4 | Consumable Expenses | IRDAN113RP0002V02201920/A0026V02201920\n5 | Conveyance Benefit | IRDAN113RP0002V02201920/A0020V02201920\n6 | Cyber Risk Cover | IRDAN113RP0002V02201920/A0032V02202223\n7 | Defence Cost Cover | IRDAN113RP0002V02201920/A0033V02202223\n8 | Depreciation Shield | IRDAN113RP0002V02201920/A0019V02201920\n9 | Electric Vehicle/ Hybrid System Protection Cover | IRDAN113RP0002V02201920/A0031V02202223\n10 | EMI Protect | IRDAN113RP0002V02201920/A0007V02202021\n11 | Engine Protector | IRDAN113RP0002V02201920/A0022V02201920\n12 | Keys and Locks Replacement Cover | IRDAN113RP0002V02201920/A0014V02202324\n13 | Rim Safeguard | IRDAN113RP0002V02201920/A0004V02202425\n14 | Rodent Damage Cover | IRDAN113RP0002V02201920/A0030V02202223\n15 | Tyre Safeguard | IRDAN113RP0002V02201920/A0008V02202425\n16 | Vehicle Replacement Advantage (Exclusive Cover) | IRDAN113RP0002V02201920/A0023V02201920\n17 | Vehicle Replacement Advantage (Standard Cover) | IRDAN113RP0002V02201920/A0021V02201920\n18 | No Claim Bonus Protector | IRDAN113RP0002V02201920/A0017V01201920\n19 | Loss of Documents | IRDAN113RP0002V02201920/A0028V01202627","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3062#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":null,"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 and electrical breakdown failures or breakage's","Damage to Tyres and Tubes unless the insured vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the insured vehicle is stolen 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","Any Claim arising out of any Contractual Liability","ionising radiation or contamination by radioactivity","nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Wear and tear/breakdown, tyre and accessory limits, intoxication, outside geographical area, use outside permitted purpose, driver not as stated in the driver's clause, contractual liability, radiation/nuclear, and war risks.","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical and electrical breakdown failures or breakage's; ... Damage to Tyres and Tubes unless the insured vehicle is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the insured vehicle is stolen 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. ... Any Claim arising out of any Contractual Liability. ... ionising radiation or contamination by radioactivity ... 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-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-a"},{"clause":"5(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-b"},{"clause":"5(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-c"},{"clause":"5(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-d"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-general-exceptions"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-a-3"},{"clause":"5(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#c-5-b-3"},{"clause":"6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040#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 (IDV), which is deemed to be the Sum Insured and is treated as Market Value throughout the Policy Year for Total Loss or Constructive Total Loss claims.","display":"IDV basis; IDV is the Sum Insured and is treated as Market Value for TL/CTL claims.","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 ... 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-two-wheeler-irdan113rp0002v02201920/document/3040#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Standalone Own Damage Cover for Two Wheeler Policy Wordings","pages":10,"fetched_at":"2026-10-17 19:37:05+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/Policy-Wordings_Standalone-OD-Cover-for-Two-Wheeler.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3040"},{"kind":"wording","label":"Standalone Own Damage Cover for Two Wheeler Add On Covers Policy Wordings","pages":48,"fetched_at":"2026-10-17 19:37:48+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/add-on/Two-Wheeler-Policy-Standalone-Own-Damage-Covers.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920/document/3062"}],"versions":[],"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 Two Wheeler (UIN IRDAN113RP0002V02201920), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/standalone-own-damage-cover-for-two-wheeler-irdan113rp0002v02201920"}