{"uin":"IRDAN113RPMT0001V01202425","name":"Private Car Package Policy - 3 Years","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2018-08-30","withdrawn_on":null,"summary":"This is a 3 Years private car package policy covering own-damage perils and third-party liability. The vehicle sum insured is the IDV treated as market value, and add-ons offered include 24x7 Spot Assistance, Depreciation Shield, Engine Protector and Vehicle Replacement Advantage.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:04:45.983612+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan A","Plan B"],"display":"Plan A and Plan B","note":"These are NCB plans at policy expiry.","quote":"The insured will have an option to choose any of the below NCB plans: Plan A or Plan B. These Options will offer different NCB entitlement at policy expiry.","sources":[{"clause":"2(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-c-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Private Car Package Policy- 3 Years.","display":"3 Years","note":null,"quote":"PRIVATE CAR PACKAGE POLICY- 3 YEARS","sources":[{"clause":null,"heading":"PRIVATE CAR PACKAGE POLICY- 3 YEARS","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-private-car-package-policy-3-years"}],"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 immediately upon accidental loss or damage or any claim. Theft or other criminal act must also be immediately notified to the Police.","display":"Immediately on accidental loss, damage or claim; theft/criminal act also immediately to Police","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":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["completely filled Claim Form","detailed estimate of the cost of repairs"],"display":"Completely filled Claim Form; detailed estimate of repair cost where applicable","note":"The detailed estimate is stated for repairs authorised by the insured under the policy condition.","quote":"Submit completely filled Claim Form at the nearest Bajaj General Insurance Office ... The Company is furnished forthwith a detailed estimate of the cost of repairs","sources":[{"clause":"2(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-b-8"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#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 receiving all required relevant and necessary information/documents. Rejection must also be within 30 days from the last relevant and necessary document, and delay attracts interest at 2% above bank rate.","display":"30 days from required documents; rejection within 30 days from last relevant document; interest at 2% above bank rate for delay","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. ... it shall do so within a period of 30 days from the receipt of last relevant and necessary document. ... the Company 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":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-conditions"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakage's","Damage to Tyres and Tubes unless the insured vehicle is damaged 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.","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 from any nuclear fuel or from any nuclear waste","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","a claim being fraudulent or any fraudulent means or devices being used"],"display":"Wear and tear, mechanical/electrical breakdown, tyre and tube limits, intoxication, outside geographical area, contractual liability, improper use, unpermitted driver, nuclear/radiation, war and fraud exclusions","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakage's; ... Damage to Tyres and Tubes unless the insured vehicle is damaged 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. ... 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 from any nuclear fuel or from any nuclear waste ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations ... a claim being fraudulent or any fraudulent means or devices being used","sources":[{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-5"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-general-exceptions"},{"clause":"2(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-a-2"},{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-b-2"},{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-b-3"},{"clause":"2(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-b-5"}],"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 which issued the policy. If dissatisfied after contacting the local office, e-mail or write to the Customer Care Cell.","display":"First: Branch Manager / Regional Manager of the issuing local office; then Customer Care Cell","note":null,"quote":"Initially, we suggest you contact the Branch Manager / Regional Manager of the local office which has issued the policy. ... 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":"First Step","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-first-step"},{"clause":null,"heading":"Second Step","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-second-step"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self ignition or lightning","burglary housebreaking or theft","Riot and Strike","Earthquake (Fire and Shock Damage)","Flood Typhoon Hurricane Storm Tempest Inundation Cyclone Hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland waterway lift elevator or air","Landslide/Rockslide"],"display":"Fire, theft, riot and strike, earthquake, flood/storm perils, accidental external means, malicious act, terrorist activity, transit and 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 OF OR DAMAGE TO THE INSURED VEHICLE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#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":"The insured may cancel with seven days’ notice. The Company retains premium pro-rata for the period the cover existed and refunds the balance, but no refund is due if a claim has been made.","display":"Seven days’ notice; pro-rata retention and balance refund; no refund if a claim has been made","note":"For the completed Policy Year premium is retained in full; cancellation also requires the vehicle to be insured elsewhere at least for Liability Only cover and surrender of the original Certificate of Insurance.","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. 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.","sources":[{"clause":"2(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-c-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The policy excludes loss outside the Geographical Area, but the clauses provided do not state what the Geographical Area is.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Private Car Package Policy- 3 Years"],"display":"Package policy with own damage and third-party liability sections","note":null,"quote":"PRIVATE CAR PACKAGE POLICY- 3 YEARS ... Section I LOSS OF OR DAMAGE TO THE INSURED VEHICLE ... Section II LIABILITY TO THIRD PARTIES","sources":[{"clause":null,"heading":"PRIVATE CAR PACKAGE POLICY- 3 YEARS","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-private-car-package-policy-3-years"},{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE INSURED VEHICLE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-section-i"},{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#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 Company indemnifies the insured for legal liability arising from use of the insured vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to property other than the insured’s property or property in the insured’s trust, custody or control, subject to the Schedule limits.","display":"Covers legal liability for death or bodily injury to any person and damage to third-party property, subject to Schedule limits","note":"The wording does not print an unlimited death or injury amount; it refers to limits in the Schedule.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the insured vehicle against all sums which the insured shall become legally liable to pay ... death of or bodily injury to any person including occupants carried in the insured vehicle ... damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-1-2"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#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 of the vehicle is the sum insured, fixed at the start of each policy period on the manufacturer’s listed selling price adjusted for depreciation. For total loss or constructive total loss, liability is the IDV specified in the schedule less the value of the wreck.","display":"IDV is the sum insured, based on manufacturer’s listed selling price adjusted for depreciation; total loss/CTL pays IDV less wreck value","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 on the basis of the manufacturer’s listed selling price ... adjusted for depreciation ... for total loss / constructive total loss of the insured vehicle - the Insured’s Declared Value (IDV) of the insured vehicle (including accessories thereon) as specified in the schedule less the value of the wreck.","sources":[{"clause":null,"heading":"SUM INSURED - INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-sum-insured-insureds-declared-value-idv"},{"clause":"2(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-a-5"}],"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":"Depreciation deducted for replaced parts is 50% for rubber, nylon, plastic parts, tyres and battery; 30% for fibre glass; Nil for glass; 50% on painting material cost. Other parts including wooden parts follow an age table from Nil up to 50%.","display":"Rubber/nylon/plastic/tyres/battery 50%; fibre glass 30%; glass Nil; painting 50% on material cost; other parts Nil to 50% by vehicle 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 ... depreciation rate of 50% shall be applied only on the material cost of 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/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-1"},{"clause":"2","heading":"For fibre glass components 30%","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2"},{"clause":"3","heading":"For all parts made of glass – Nil","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#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 at inception is transferred according to slabs from the expiring policy, up to 50%. At policy expiry the insured may choose Plan A or Plan B, with NCB entitlement based on claims during the 3 Years policy period; the wording says maximum NCB is 50%, with 55% and 65% applicable as per Sunset Clause.","display":"NCB transfer up to 50%; expiry NCB under Plan A or Plan B by number of claims during 3 Years; maximum 50%, with 55% and 65% as per Sunset Clause","note":null,"quote":"NCB Entitlement(in %) at the time of inception of Policy NCB will be calculated on the basis of following table: ... >45.00 | 50 ... The insured will have an option to choose any of the below NCB plans: Plan A or Plan B. ... 3 Years ... 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":"2(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-c-2"},{"clause":null,"heading":"NCB Slab","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-ncb-slab"},{"clause":null,"heading":"NCB Slab","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-ncb-slab-2"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the compulsory deductible is the deductible stated in the policy schedule, but the clauses provided do not print the 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":"quote-verified","value":"The insured may opt for a voluntary deductible over and above the compulsory deductible. Options range from Rs. 1000 to Rs. 15000 for IDV upto Rs. 20 lakhs, and up to Rs. 50000 for IDV more than Rs. 20 Lakhs.","display":"Optional higher deductible over compulsory: Rs. 1000 to Rs. 15000; for IDV more than Rs. 20 Lakhs, up to Rs. 50000","note":"Discounts vary by voluntary deductible and IDV slab.","quote":"Insured may opt for higher deductible over and above the compulsory deductible ... For insured vehicles having IDV upto Rs. 20 lakhs ... Rs. 1000 ... Rs. 15000 ... For insured vehicles having IDV more than Rs. 20 Lakhs ... Rs. 50000","sources":[{"clause":"2(b)","heading":"Voluntary Deductibles","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-b-4"},{"clause":"2(b)(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-b-i"},{"clause":"2(b)(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-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":"quote-verified","value":"Personal accident cover pays compensation to the owner-driver for bodily injury or death connected with the insured vehicle, with total liability not exceeding Rs. 15 lakhs in any one period of insurance. Death, loss of two limbs or two eyes or one limb and one eye, and permanent total disablement pay 100%; loss of one limb or one eye pays 50%, subject to the owner-driver being the registered owner, the insured named in the policy and holding an effective driving license.","display":"Owner-driver PA up to Rs. 15 lakhs; death/PTD 100%, loss of one limb or one eye 50%; subject to ownership, named insured and effective licence","note":null,"quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the ownerdriver of the insured vehicle ... (i) Death | 100% ... (iii) Loss of one limb or sight of one eye | 50% ... the total liability of the Company shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance. ... the owner-driver is the registered owner of the insured vehicle herein; ... the owner-driver is the insured named in this policy. ... the owner-driver holds an effective driving license","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-1-3"},{"clause":"1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-1-a"},{"clause":"2(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-a"},{"clause":"2(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-b"},{"clause":"2(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":"The clauses mention Authorized Workshops and Preferred Workshops for some add-ons, but do not state that base-policy repairs can be cashless at network garages.","quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Any accidental loss damage and/ or liability caused sustained or incurred outside the Geographical Area.","Any Claim arising out of any Contractual Liability.","Being used otherwise than in accordance with the Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's clause.","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakage's","Damage to Tyres and Tubes unless the insured vehicle is damaged 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","ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste","nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Outside geographical area, contractual liability, use outside limitations, driver outside Driver's clause, wear and tear/breakdown, tyre and tube limits, intoxication, radiation, nuclear weapons and war exclusions","note":null,"quote":"Any accidental loss damage and/ or liability caused sustained or incurred outside the Geographical Area. ... Any Claim arising out of any Contractual Liability. ... 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. ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakage's; ... Damage to Tyres and Tubes unless the insured vehicle is damaged 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. ... ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste ... nuclear weapons material ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-general-exceptions"},{"clause":"2(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-a-2"},{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-b-2"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-5"},{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-2-b-3"}],"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), fixed at the start of each policy period on the manufacturer’s listed selling price of the vehicle brand and model adjusted for depreciation. IDV is treated as the Market Value throughout the Policy Year for Total Loss and Constructive Total Loss claims.","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 insured vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period ... 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 as provided in the Policy Schedule 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/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Private Car Package Policy – 3 years Policy Wordings","pages":10,"fetched_at":"2026-10-17 19:33:58+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/motor-withdrawn-products/Private-Car-Package-Policy-3years/Private-Car-Package-Policy-3-Years_Policy-Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/2947"},{"kind":"wording","label":"Private Car Package Policy - 3 Years Policy Wordings","pages":13,"fetched_at":"2026-10-17 19:36:57+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/Private-Car-Package-Policy-3-Years/Private-Car-Package-Policy-3-Years-policy-wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3033"},{"kind":"wording","label":"Private Car Package Policy 3 Years policy Add on Covers Policy Wordings","pages":81,"fetched_at":"2026-10-17 19:37:52+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/add-on/Private-Car-Package-Policy-3-Years-policy-Add-on-Covers.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3064"},{"kind":"wording","label":"Private Car Package Policy – 3 years (IRDAI copy)","pages":11,"fetched_at":"2026-10-20 00:28:50+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN113RP0005V01201819_GEN2092.pdf/6b1a41a8-f46e-7393-16cb-2e4a43b79edc?version=1.1&t=1668332301020&download=true","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/23628"},{"kind":"brochure","label":"24*7 Spot Assistance - Private Car Package Policy – 3 years Brochure","pages":3,"fetched_at":"2026-10-17 19:41:07+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/motor/247-Spot-Assistance-Private-Car-Package-Policy-3-years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3153"},{"kind":"brochure","label":"Consumable Expenses - Private Car Package Policy – 3 years Brochure","pages":2,"fetched_at":"2026-10-17 19:41:10+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/motor/Consumable-Expenses-Private-Car-Package-Policy-3-years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3155"},{"kind":"brochure","label":"Accident Shield - Private Car Package Policy – 3 years Brochure","pages":2,"fetched_at":"2026-10-17 19:41:13+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/motor/Accident-Shield-Private-Car-Package-Policy-3-years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3156"},{"kind":"brochure","label":"Engine Protector - Private Car Package Policy – 3 years Brochure","pages":2,"fetched_at":"2026-10-17 19:41:26+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/motor/Engine-Protector-Private-Car-Package-Policy-3-years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3158"},{"kind":"brochure","label":"Rim Safeguard - Motor - Private Car Package Policy – 3 years Brochure","pages":2,"fetched_at":"2026-10-17 19:41:35+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/motor/Rim-Safeguard-Motor-Private-Car-Package-Policy-3-years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3162"},{"kind":"brochure","label":"Tyre Safeguard - Private Car Package Policy – 3 years Brochure","pages":2,"fetched_at":"2026-10-17 19:41:38+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/motor/Tyre-Safeguard-Add-on-cover-under-Private-Car-Package-Policy-3-Years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425/document/3163"}],"versions":[{"uin":"IRDAN113RP0005V01201819","version":null,"approved_on":null},{"uin":"IRDAN113RPMT0001V01202425","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Private Car Package Policy - 3 Years (UIN IRDAN113RPMT0001V01202425), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/private-car-package-policy-3-years-irdan113rpmt0001v01202425"}