{"uin":"IRDAN113RP0026V01200102","name":"Two-Wheeler Package Policy","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102","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 Two-Wheeler Package Policy with Section I loss or damage to the vehicle and Section II liability to third parties. The IDV is the sum insured for the vehicle, and the policy includes owner-driver personal accident cover up to Rs 15. Lakh.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:49:48.73787+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":"No named plan variants are stated in the base policy; add-on covers are separate optional covers.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording points to the policy schedule for the period 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":"Written notice must be given immediately upon accidental loss or damage and in the event of any claim. Theft or other criminal act must also be notified to the Police immediately.","display":"Immediately; theft/criminal act also to Police immediately","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":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#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":["Every letter claim writ summons and/or process or copy there of","completely filled claim form"],"display":"Every letter/claim/writ/summons/process copy; completely filled claim form","note":"Claim form is stated in the sales brochure.","quote":"Every letter claim writ summons and/or process or copy there of shall be forwarded to the Company immediately on receipt by the Insured. ... Submit completely filled claim form at the nearest Bajaj General Insurance office.","sources":[{"clause":null,"heading":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-conditions"},{"clause":"5","heading":"Other exclusions as listed in the policy wordings","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/2969#c-5"}],"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":"For Section I claims, the Company shall offer settlement within 30 days of receipt of all required relevant information/documents, or reject within 30 days from receipt of the last relevant and necessary document. If not settled within 30 days, interest is payable at 2% above the bank rate from receipt of the last relevant document until payment.","display":"30 days from all required information/documents; 2% above bank rate interest for delay; Section I only","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. ... In the event the claim is not settled within 30 days as stipulated above, the insurer shall be liable to pay interest at a rate, which is 2% above the bank rate ... (Applicable only to Claims with regard to Section I of the Policy).","sources":[{"clause":null,"heading":"Dispute Resolution","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-dispute-resolution"}],"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 Vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time","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 radiation or contamination by radioactivity","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Consequential loss/wear and tear/breakdowns, tyre and accessories limits, intoxication, outside geographical area, contractual liability, wrong use or driver, nuclear/radiation and war risks","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical and electrical breakdown failures or breakage's ;\nb) Damage to Tyres and Tubes unless the Vehicle is damaged at the same time ... d) 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.\n2. Any Claim arising out of any Contractual Liability. ... Being used otherwise than in accordance with the Limitations as to Use ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause. ... ionising radiation or contamination by radioactivity ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","sources":[{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-general-exceptions"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1-a-2"},{"clause":"1(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1-b-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Branch Manager / Regional Manager of the local office that issued the policy. If dissatisfied after contacting the local office, e-mail or write to the Customer Care Cell, Bajaj General Insurance Ltd.","display":"First Branch Manager / Regional Manager of the local office; then Customer Care Cell","note":null,"quote":"First Step Initially, we suggest you contact the Branch Manager / Regional Manager of the local office which has issued 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.","sources":[{"clause":null,"heading":"Resolving Issues","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-resolving-issues"}],"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/strike, earthquake, flood/storm/cyclone and similar 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":"Section I","heading":"LOSS OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel on seven days’ notice by recorded delivery. If no claim has arisen, return premium is the premium paid less pro-rata premium for the period the policy was in force; no refund is due if a claim has been made, and cancellation requires proof that 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 refund if no claim; no refund if a claim has been made","note":null,"quote":"the policy may be cancelled at any time by the insured on seven days’ notice by recorded delivery and provided no claim has arisen during the currency of the policy, the insured shall be entitled to a return of premium less premium on Pro-rata basis for the period the Policy has been in force. ... No refund of Premium shall be due on cancellation of Policy if a claim has been made by You, whether such Claim was admitted or repudiated.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":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-conditions"}],"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 list the geographical area.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Two Wheeler Package Policy"],"display":"Package policy with Section I loss or damage to the vehicle and Section II liability to third parties","note":null,"quote":"TWO WHEELER PACKAGE POLICY (POLICY WORDINGS) ... Section I LOSS OR DAMAGE TO THE VEHICLE INSURED ... Section II LIABILITY TO THIRD PARTIES","sources":[{"clause":null,"heading":"Resolving Issues","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-resolving-issues"},{"clause":"Section I","heading":"LOSS OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-section-i"},{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-section-ii"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured, subject to the limits in the schedule, against legal liability for death or bodily injury to any person including occupants not carried for hire or reward, and damage to property other than property belonging to, held in trust by, or in the custody or control of the insured.","display":"Legal liability for death/bodily injury to any person and third-party property damage, subject to schedule limits","note":"The wording says liability is subject to the limits in the schedule; it does not print an unlimited death or bodily injury limit.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the company will indemnify the insured ... death of or bodily injury to any person including occupants carried in the insured vehicle (provided such occupants are not carried for hire or reward) ... damage to the property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value (IDV) is deemed the sum insured, fixed at commencement of each policy period based on the manufacturer’s listed selling price of the vehicle brand/model and adjusted for depreciation. For total loss or constructive total loss it is treated as market value, and CTL applies if retrieval and/or repair costs exceed 75% of the IDV.","display":"IDV is the sum insured; market value for TL/CTL; CTL if costs exceed 75% of IDV","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ ... 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’ ... exceeds 75% of the IDV of the vehicle.","sources":[{"clause":null,"heading":"SUM INSURED - INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#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 parts replacement, rubber, nylon, plastic parts, tyre and battery are depreciated at 50%, fibre glass components at 30%, and glass at nil. Other parts including wooden parts depreciate by vehicle age from nil up to 50%; painting depreciation of 50% applies only on material cost, with material treated as 25% of a consolidated painting bill.","display":"Rubber/nylon/plastic/tyre/battery 50%; fibre glass 30%; glass nil; other parts age-wise nil to 50%; painting 50% on material cost","note":null,"quote":"For all rubber nylon plastic parts tyre and Battery - | 50%\n2. For fibre glass components | 30%\n3. For all parts made of glass - | Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6 months | Nil ... Exceeding 10 years | 50% ... the depreciation rate of 50% shall be applied only on the material cost of total painting charges. ... the material component shall be considered as 25% of total painting charges","sources":[{"clause":"Section I","heading":"LOSS OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-section-i"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#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":"not-stated","value":null,"display":null,"note":"The add-on wording defines NCB as a discount on the own-damage section as per the India Motor Tariff but does not state the discount percentages.","quote":null,"sources":[],"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 Section I deductible is stated in the schedule but does not print the compulsory deductible amount.","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":"not-stated","value":null,"display":null,"note":"The base wording only says each Section I claim is subject to the deductible stated in the schedule; it does not state a voluntary deductible option or amount.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Owner-driver personal accident cover pays compensation for bodily injury or death caused by violent accidental external and visible means in direct connection with the insured vehicle. The scale is 100% for death, loss of two limbs/sight of two eyes/one limb and sight of one eye, or permanent total disablement, 50% for loss of one limb or sight of one eye, with aggregate liability not exceeding Rs 15. Lakh; the owner-driver must be the registered owner, named insured and hold an effective driving license.","display":"Owner-driver PA up to Rs 15. Lakh; 100% death/PTD, 50% one limb/one eye; subject to registered owner, named insured and effective driving license","note":null,"quote":"the Company undertakes to pay compensation as per the following scale for bodily injury / death sustained by the owner - driver ... (I) Death | 100 % ... (III) Loss of one limb or sight of one eye | 50 % ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs 15. Lakh ... the owner-driver is the registered owner of the vehicle insured herein; ... The owner driver is the insured named in this policy. ... the owner-driver holds an effective driving license","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER - DRIVER","page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-section-iii"},{"clause":"1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1-a"},{"clause":"1(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1-b"},{"clause":"1(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1-c"}],"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","Vehicle Replacement Advantage (Standard Cover)","Vehicle Replacement Advantage (Exclusive Cover)","Conveyance Benefit","No Claim Bonus Protector","Engine Protector","Consumable Expenses","24X7 Spot Assistance","Accident Shield","Accidental Hospitalization Cover","EMI Protect – Add on Cover under Two-Wheeler Package Policy","Rodent Damage Cover","Additional Third-Party Property Cover","Electric Vehicle/ Hybrid System Protection Cover","Cyber Risk Cover","Defence Cost Cover","Keys and Locks Replacement Cover","Rim Safeguard","Tyre Safeguard","Loss of Documents"],"display":"Depreciation Shield; Vehicle Replacement Advantage; Conveyance Benefit; NCB Protector; Engine Protector; Consumables; 24X7 Spot Assistance; Accident Shield; Accidental Hospitalization; EMI Protect; Rodent Damage; Additional Third-Party Property; EV/Hybrid System Protection; Cyber Risk; Defence Cost; Keys and Locks; Rim Safeguard; Tyre Safeguard; Loss of Documents","note":"These are add-on covers available on payment of additional premium, not the base cover.","quote":"1 | Depreciation Shield | IRDAN113RP0026V01200102/A0002V01201112\n2 | Vehicle Replacement Advantage (Standard Cover) | IRDAN113RP0026V01200102/A0014V01201314\n3 | Vehicle Replacement Advantage (Exclusive Cover) | IRDAN113RP0026V01200102/A0019V01201314\n4 | Conveyance Benefit | IRDAN113RP0026V01200102/A0003V01201112\n5 | No Claim Bonus Protector | IRDAN113RP0026V01200102/A0005V01201112\n6 | Engine Protector | IRDAN113RP0026V01200102/A0015V01201314\n7 | Consumable Expenses | IRDAN113A0022V01201314\n8 | 24X7 Spot Assistance | IRDAN113RP0026V01200102/A0009V01201617\n9 | Accident Shield | IRDAN113RP0026V01200102/A0004V01201112\n10 | Accidental Hospitalization Cover | IRDAN113RP0026V01200102/A0004V01201516\n11 | EMI Protect – Add on Cover under Two-Wheeler Package Policy | IRDAN113RP0026V01200102/A0003V01202021\n12 | Rodent Damage Cover | IRDAN113RP0026V01200102/A0052V01202223\n13 | Additional Third-Party Property Cover | IRDAN113RP0026V01200102/A0053V01202223\n14 | Electric Vehicle/ Hybrid System Protection Cover | IRDAN113RP0026V01200102/A0054V01202223\n15 | Cyber Risk Cover | IRDAN113RP0026V01200102/A0055V01202223\n16 | Defence Cost Cover | IRDAN113RP0026V01200102/A0056V01202223\n17 | Keys and Locks Replacement Cover | IRDAN113RP0026V01200102/A0011V01202324\n18 | Rim Safeguard | IRDAN113RP0026V01200102/A0001V01202425\n19 | Tyre Safeguard | IRDAN113RP0026V01200102/A0005V01202425\n20 | Loss of Documents | IRDAN113RP0026V01200102/A0029V01202627","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3059#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 documents mention authorized workshops for some add-ons but do not state cashless repairs at network garages for the base policy.","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 Vehicle is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the Vehicle is stolen at the same time","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 radiation or contamination by radioactivity","nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Wear and tear/breakdown/consequential loss, tyre and accessories restrictions, intoxication, outside geographical area, contractual liability, wrong use/driver, nuclear and war risks","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical and electrical breakdown failures or breakage's ;\nb) Damage to Tyres and Tubes unless the Vehicle is damaged at the same time ... d) 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.\n2. Any Claim arising out of any Contractual Liability. ... Being used otherwise than in accordance with the Limitations as to Use ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause. ... ionising radiation or contamination by radioactivity ... nuclear weapons material ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","sources":[{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-general-exceptions"},{"clause":"1(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1-a-2"},{"clause":"1(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-1-b-2"}],"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 vehicle sum insured is the Insured's Declared Value, fixed at commencement of each policy period on the basis of the manufacturer’s listed selling price of the brand and model, adjusted for depreciation. For total loss or constructive total loss claims, IDV is treated as market value.","display":"IDV based on manufacturer’s listed selling price adjusted for depreciation; treated as market value for TL/CTL","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ ... fixed on the basis of the manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance / renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period","sources":[{"clause":null,"heading":"SUM INSURED - INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Two-Wheeler Package Policy Policy Wordings","pages":10,"fetched_at":"2026-10-17 19:35:58+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/two-weheeler-insurance/two-wheeler-Policy-wording.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3003"},{"kind":"wording","label":"Two Wheeler Package Policy Add on Covers Policy Wordings","pages":47,"fetched_at":"2026-10-17 19:37:39+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/add-on/Two-Wheeler-Package-Policy-Add-on-Covers.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/3059"},{"kind":"wording","label":"EMI Protect (IRDAI copy)","pages":3,"fetched_at":"2026-10-20 01:33:02+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN113RP0026V01200102A0003V01202021_GEN3864.pdf/911c79ca-35a0-1f7d-1c7f-16e54bde8085?version=1.1&t=1668327240944&download=true","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/26680"},{"kind":"brochure","label":"Two-Wheeler Package Policy Brochure","pages":3,"fetched_at":"2026-10-17 19:34:32+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/two-weheeler-insurance/two-wheelers-packages.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102/document/2969"}],"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":"Two-Wheeler Package Policy (UIN IRDAN113RP0026V01200102), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-irdan113rp0026v01200102"}