{"uin":"IRDAN113RPMT0018V01202425","name":"Two Wheeler Package Policy - 5 Years","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425","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":"Main product","kind":"product","status":"active","approved_on":"2018-08-30","withdrawn_on":null,"summary":"This is a five-year two-wheeler package policy covering own damage perils, third-party liability and owner-driver personal accident. The insured vehicle’s IDV is the sum insured, and optional add-ons include depreciation shield, engine protector, consumables, tyre safeguard and roadside assistance.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:05:01.037799+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 documents.","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":"quote-verified","value":"5 years","display":"5 years","note":null,"quote":"TWO WHEELER PACKAGE POLICY – 5 Years","sources":[{"clause":null,"heading":"TWO WHEELER PACKAGE POLICY – 5 Years","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-two-wheeler-package-policy-5-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 to the Company immediately upon any accidental loss, damage or claim. For theft or another criminal act, immediate notice must also be given to the Police.","display":"Immediately in writing; theft or 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 and thereafter the Insured shall give all such information and assistance as the Company shall require. ... 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 and co-operate with the Company in securing the conviction of the offender.","sources":[{"clause":null,"heading":"CONDITIONS","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["completely filled Claim Form"],"display":"Completely filled Claim Form","note":null,"quote":"Submit completely filled Claim Form at the nearest Bajaj General Insurance Office","sources":[{"clause":"6(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-6-b-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 must offer settlement within 30 days of receiving all required relevant and necessary information/documents, or reject within 30 days from 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 and necessary document until actual payment.","display":"30 days from all required documents; rejection within 30 days from last relevant document; interest 2% above bank rate for delay","note":"Applicable only to claims with regard to Section I of the Policy.","quote":"On receipt of all required information/ documents that are relevant and necessary for the claim, the Company shall, within a period of 30 days offer a settlement of the claim to the insured. If the Company, for any reasons, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of last relevant and necessary document. ... In the event the claim is not settled within 30 days as stipulated above, the Company shall be liable to pay interest at a rate, which is 2% above the bank rate from the date of receipt of last relevant and necessary document from the insured/claimant by the Company till the date of actual payment. (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/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#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","Loss of or damage to accessories by burglary housebreaking or theft unless the insured vehicle is stolen at the same time","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","nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Main exclusions include wear and tear/mechanical breakdown, tyre-only damage, accessory theft unless the vehicle is stolen, intoxicating liquor or drugs, outside geographical area, contractual liability, use or driver breaches, nuclear/radioactivity and war.","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 ... Loss of or damage to accessories by burglary housebreaking or theft unless the insured vehicle is stolen at the same time ... any accidental loss or damage suffered whilst the Insured or any person driving with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs. ... Any accidental loss damage and/ or liability caused sustained or incurred outside the Geographical Area. ... 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-5-years-irdan113rpmt0018v01202425/document/3030#c-5"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-1-3"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-2-3"},{"clause":"3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-3-3"},{"clause":"4(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-4-b"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-5-3"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Branch Manager or Regional Manager of the local office of the Company that issued the policy. If dissatisfied after contacting the local office, e-mail or write to the Customer Care Cell at Bajaj General Insurance Ltd, Bajaj Insurance, Airport Road, Yerawada, Pune 411 006, careforyou@bajajgeneral.com.","display":"First Branch Manager / Regional Manager of local office; then Customer Care Cell","note":null,"quote":"Initially, it is suggest that the Insured contact the Branch Manager / Regional Manager of the local office of the Company which has issued the Policy/Group Policy. ... But if Insured feel dissatisfied with the suggested resolution of the issue after contacting the local office, please e-mail or write to: ... Customer Care Cell ... Bajaj General Insurance Ltd Bajaj Insurance, Airport Road, Yerawada, Pune 411 006 E-mail:careforyou@bajajgeneral.com","sources":[{"clause":null,"heading":"First Step","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-first-step"},{"clause":null,"heading":"Second Step","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-second-step"},{"clause":null,"heading":"Customer Care Cell","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-customer-care-cell"}],"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":["by fire explosion self ignition or lightning","by burglary housebreaking or theft","by Riot and Strike","by Earthquake (Fire and Shock Damage)","by Flood Typhoon Hurricane Storm Tempest Inundation Cyclone Hailstorm frost","by accidental external means","by malicious act","by terrorist activity","whilst in transit by road rail inland waterway lift elevator or air","by Landslide/Rockslide"],"display":"Fire, theft, riot and strike, earthquake, flood/storm perils, accident, malicious act, terrorist activity, transit and landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured under the policy [“insured vehicle”] hereunder and/or its accessories whilst thereon a) by fire explosion self ignition or lightning; b) by burglary housebreaking or theft; c) by Riot and Strike d) by Earthquake (Fire and Shock Damage) e) by Flood Typhoon Hurricane Storm Tempest Inundation Cyclone Hailstorm frost f) by accidental external means g) by malicious act h) by terrorist activity i) whilst in transit by road rail inland waterway lift elevator or air j) 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/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#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 on a pro-rata basis for the period the cover existed before cancellation and refunds the balance, but no refund is due if a claim has been made; completed policy year premium is retained in full and cancellation requires the vehicle to be insured elsewhere at least for Liability Only cover and surrender of the original Certificate of Insurance.","display":"7 days’ notice; pro-rata retention and balance refund; no refund if a claim has been made","note":null,"quote":"Cancellation by Insured 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. Note: For the completed Policy Year premium shall be retained in full. A policy can be cancelled only after ensuring that the insured vehicle is insured elsewhere, at least for Liability Only cover and after surrender of the original Certificate of Insurance for cancellation.","sources":[{"clause":"6(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-6-c-2"}],"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 provided documents do not state the actual 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":["Package Policy"],"display":"Two Wheeler Package Policy covering own damage and third-party liability","note":null,"quote":"TWO WHEELER PACKAGE POLICY – 5 Years ... The Company will indemnify the insured against loss or damage to the vehicle insured under the policy [“insured vehicle”] ... 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","sources":[{"clause":null,"heading":"TWO WHEELER PACKAGE POLICY – 5 Years","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-two-wheeler-package-policy-5-years"},{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE INSURED VEHICLE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-section-i"},{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-1-2"}],"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, subject to the limits in the Schedule, for legal liability from an accident arising out of the use of the insured vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to third-party property other than property belonging to, held in trust by, or in the custody or control of the insured.","display":"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 state an unlimited limit for death or bodily injury; it refers to limits of liability 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 in respect of ... 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-5-years-irdan113rpmt0018v01202425/document/3030#c-1-2"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#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 insured vehicle is deemed to be the sum insured. It is fixed at the commencement of the policy period based on the manufacturer’s listed selling price of the brand and model, adjusted for depreciation, and is treated as market value throughout the policy year for Total Loss or Constructive Total Loss claims.","display":"IDV is the sum insured, fixed at commencement from manufacturer’s listed selling price adjusted for depreciation","note":null,"quote":"The Insured's Declared Value (IDV) of the insured vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of policy period for the insured vehicle. ... The IDV of the insured vehicle (and side car / accessories, if any, fitted to the insured vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance / renewal and adjusted for depreciation ( as per schedule below ). ... IDV 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/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-sum-insured-insureds-declared-value-idv"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber, nylon, plastic parts, tyre and battery; 30% for fibre glass components; nil for glass parts. For all other parts including wooden parts, depreciation ranges from nil for vehicles not exceeding 6 months to 50% for vehicles exceeding 10 years; painting has 50% depreciation on material cost only, with material treated as 25% of a consolidated painting bill.","display":"50% rubber/nylon/plastic/tyre/battery; 30% fibre glass; Nil glass; other parts Nil to 50% by age","note":null,"quote":"For all rubber nylon plastic parts tyre and Battery - 50% ... For fibre glass components 30% ... For all parts made of glass – Nil ... Rate of depreciation for Painting- In the case of painting, depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of the total painting charges for the purpose of applying the depreciation. ... Rate of depreciation for all other parts including wooden parts will be as per the following schedule: AGE OF INSURED VEHICLE | % OF DEPRICIATION Not exceeding 6 months | Nil Exceeding 6 months but not exceeding 1 year | 5% Exceeding 1 year but not exceeding 2 years | 10% Exceeding 2 years but not exceeding 3 years | 15% Exceeding 3 years but not exceeding 4 years | 25% Exceeding 4 years but not exceeding 5 years | 35% Exceeding 5 years but not exceeding 10 years | 40% 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/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-1"},{"clause":"2","heading":"For fibre glass components 30%","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-2"},{"clause":"3","heading":"For all parts made of glass – Nil","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#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":"The policy has a No Claim Bonus entitlement table. The note says the maximum NCB that can be earned is 50%, the insured becomes entitled only at renewal after expiry of the full policy duration, and NCB 55% and 65% apply as per Sunset Clause.","display":"Maximum earned NCB 50%; entitled only at renewal after full policy duration; 55% and 65% as per Sunset Clause","note":null,"quote":"The Provisions in respect of NCB for this Policy shall be as follows: ... NOTE: i. Maximum NCB that can be earned by an Insured is 50% ii. An Insured becomes entitled for NCB only at the time of renewal of policy after the expiry of the full duration of the Policy. iii) NCB 55% and 65% applicable as per Sunset Clause","sources":[{"clause":null,"heading":"10. NO CLAIM BONUS (NCB)","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-10-no-claim-bonus-ncb"},{"clause":null,"heading":"NCB Slab","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-ncb-slab"}],"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 stated in the policy schedule, but the amount is not printed in the provided documents.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"The insured may opt for a higher voluntary deductible over and above the compulsory deductible for an OD premium discount. Options are Rs. 500, Rs. 750, Rs. 1000, Rs. 1500 and Rs. 3000 for IDV up to Rs. 75000; for IDV more than Rs. 75000, options also include Rs. 4000, Rs. 6500, Rs. 10000 and Rs. 15000.","display":"Optional higher deductible over compulsory deductible; Rs. 500 to Rs. 15,000 options","note":"For IDV up to Rs. 75000, the largest printed option is Rs. 3000. For IDV more than Rs. 75000, the largest printed option is Rs. 15000.","quote":"Insured may opt for higher deductible over and above the compulsory deductible in which case suitable discount will be allowed as per the following table:- ... For Vehicles having IDV upto Rs. 75000, the below table will be used for options of voluntary deductibles and respective discounts: Voluntary Deductible | Discount on OD Premium Rs. 500 | 5% on the OD premium of the two wheeler Rs. 750 | 10% on the OD premium of the two wheeler Rs. 1000 | 15% on the OD premium of the two wheeler Rs. 1500 | 20% on the OD premium of the two wheeler Rs. 3000 | 25% on the OD premium of the two wheeler ... For Vehicles having IDV more than Rs. 75000, the below table will be used for options of voluntary deductibles and respective discounts. Voluntary Deductible | Discount on OD Premium Rs. 500 | 5% on the OD premium of the two wheeler Rs. 750 | 10% on the OD premium of the two wheeler Rs. 1000 | 15% on the OD premium of the two wheeler Rs. 1500 | 20% on the OD premium of the two wheeler Rs. 3000 | 25% on the OD premium of the two wheeler Rs. 4000 | 30% on the OD premium of the two wheeler Rs. 6500 | 35% on the OD premium of the two wheeler Rs. 10000 | 40% on the OD premium of the two wheeler Rs. 15000 | 45% on the OD premium of the two wheeler","sources":[{"clause":"6(b)","heading":"Voluntary Deductibles","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-6-b"},{"clause":"6(b)(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-6-b-i"},{"clause":"6(b)(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-6-b-ii"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The policy pays compensation for bodily injury or death of the owner-driver caused by violent accidental external and visible means in connection with the insured vehicle, with 100% for death, 100% for loss of two limbs or sight of two eyes or one limb and sight of one eye, 50% for loss of one limb or sight of one eye, and 100% for permanent total disablement. Total liability must not exceed Rs 15 Lakh during any one period of insurance, and the owner-driver must be the registered owner, the named insured, and hold an effective driving licence.","display":"Owner-driver PA up to Rs 15 Lakh; death/PTD 100%, loss of one limb or one eye 50%","note":null,"quote":"the Company undertakes to pay compensation as per the following scale for bodily injury / death sustained by the owner - driver of the insured vehicle ... S. No | Nature of injury | Scale of Compensation i. | Death | 100% ii. | Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% iii. | Loss of one limb or sight of one eye | 50% iv. | Permanent total disablement from injuries other than named above | 100% ... the total liability of the Company shall not in the aggregate exceed the sum of Rs 15 Lakh during any one period of insurance. ... i) the owner-driver is the registered owner of the insured vehicle herein; ii) The owner driver is the insured named in this policy. iii) 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-5-years-irdan113rpmt0018v01202425/document/3030#c-section-iii"}],"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":["24X7 Spot Assistance","Accidental Shield","Accidental Hospitalization Cover","Consumable Expenses","Conveyance Benefit","Depreciation Shield","Electric Vehicle/ Hybrid System Protection Cover","Engine Protector","Rim Safeguard","Rodent Damage Cover","Tyre Safeguard","Vehicle Replacement Advantage (Exclusive Cover)","Vehicle Replacement Advantage (Standard Cover)","Loss of Document"],"display":"14 add-ons including 24X7 Spot Assistance, Depreciation Shield, Engine Protector, Consumable Expenses, Tyre Safeguard and Vehicle Replacement Advantage","note":"These are add-on covers and apply only if selected with additional premium or shown in the schedule.","quote":"LIBRARY OF ENDORSEMENTS Sr. | Add on Covers | UIN No 1 | 24X7 Spot Assistance | IRDAN113RPMT0018V01202425/A0019V01202425 2 | Accidental Shield | IRDAN113RPMT0018V01202425/A0020V01202425 3 | Accidental Hospitalization Cover | IRDAN113RPMT0018V01202425/A0021V01202425 4 | Consumable Expenses | IRDAN113RPMT0018V01202425/A0022V01202425 5 | Conveyance Benefit | IRDAN113RPMT0018V01202425/A0023V01202425 6 | Depreciation Shield | IRDAN113RPMT0018V01202425/A0024V01202425 7 | Electric Vehicle/ Hybrid System Protection Cover | IRDAN113RPMT0018V01202425/A0025V01202425 8 | Engine Protector | IRDAN113RPMT0018V01202425/A0026V01202425 9 | Rim Safeguard | IRDAN113RPMT0018V01202425/A0027V01202425 10 | Rodent Damage Cover | IRDAN113RPMT0018V01202425/A0028V01202425 11 | Tyre Safeguard | IRDAN113RPMT0018V01202425/A0029V01202425 12 | Vehicle Replacement Advantage (Exclusive Cover) | IRDAN113RPMT0018V01202425/A0030V01202425 13 | Vehicle Replacement Advantage (Standard Cover) | IRDAN113RPMT0018V01202425/A0031V01202425 14 | Loss of Document | IRDAN113RPMT0018V01202425/A0026V01202627","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3066#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 refer to authorized workshops, but do not state that repairs can be cashless at network garages.","quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["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","Loss of or damage to accessories by burglary housebreaking or theft unless the insured vehicle is stolen at the same time","under the influence of intoxicating liquor or drugs","ionising radiation or contamination by radioactivity","nuclear weapons material","War, Invasion, the Act of foreign enemies, hostilities or Warlike operations"],"display":"Outside geographical area, contractual liability, use/driver breaches, wear and tear or mechanical/electrical breakdown, tyre-only damage, accessory theft unless vehicle stolen, liquor/drugs, nuclear/radioactivity and war","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 ... Loss of or damage to accessories by burglary housebreaking or theft unless the insured vehicle is stolen at the same time ... under the influence of intoxicating liquor or drugs. ... ionising radiation or contamination by radioactivity ... nuclear weapons material ... War, Invasion, the Act of foreign enemies, hostilities or Warlike operations","sources":[{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-1-3"},{"clause":"2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-2-3"},{"clause":"3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-3-3"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-5"},{"clause":"4(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-4-b"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-5-3"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-6"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured’s Declared Value (IDV), fixed at commencement from the manufacturer’s listed selling price adjusted for depreciation. IDV is treated as the market value throughout the policy year for total loss or constructive total loss claims.","display":"IDV, treated as Market Value for TL/CTL claims","note":null,"quote":"The Insured's Declared Value (IDV) of the insured vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of policy period for the insured vehicle. ... The IDV of the insured vehicle (and side car / accessories, if any, fitted to the insured vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance / renewal and adjusted for depreciation ( as per schedule below ). ... IDV 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/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3030#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Package Policy – 5 years Policy Wordings","pages":10,"fetched_at":"2026-10-17 19:34:03+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/motor-withdrawn-products/Two-Wheeler-Package-Policy-5years/TW-Package_5-Years-Policy-Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/2951"},{"kind":"wording","label":"Vehicle Replacement Advantage (Exclusive Cover)- Two Wheeler Package Policy – 5 years Policy Wordings","pages":2,"fetched_at":"2026-10-17 19:35:50+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/motor-withdrawn-products/Two-Wheeler-Package-Policy-5years/Vehicle-replacement-exclusive-TW-5-Years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/2995"},{"kind":"wording","label":"Vehicle Replacement Advantage (Standard Cover)- Two Wheeler Package Policy – 5 years Policy Wordings","pages":2,"fetched_at":"2026-10-17 19:35:54+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/motor-insurance/motor-withdrawn-products/Two-Wheeler-Package-Policy-5years/Vehicle-replacement-Standard-cover-TW-5-Years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/2998"},{"kind":"wording","label":"Two Wheeler Package Policy - 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Two Wheeler Package Policy – 5 years Brochure","pages":2,"fetched_at":"2026-10-17 19:42:07+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/motor/Depreciation-Shield-Two-Wheeler-Package-Policy-5-years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3173"},{"kind":"brochure","label":"Vehicle Replacement Advantage (Exclusive Cover) - Two Wheeler Package Policy – 5 years Brochure","pages":2,"fetched_at":"2026-10-17 19:42:10+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/withdrawn-products-non-health/motor/Vehicle-Replacement-Advantage-(Exclusive-Cover)-Two-Wheeler-Package-Policy-5-years.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425/document/3175"}],"versions":[{"uin":"IRDAN113RP0006V01201819","version":null,"approved_on":null},{"uin":"IRDAN113RP0008V01201617","version":null,"approved_on":null},{"uin":"IRDAN113RPMT0018V01202425","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":"Two Wheeler Package Policy - 5 Years (UIN IRDAN113RPMT0018V01202425), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/two-wheeler-package-policy-5-years-irdan113rpmt0018v01202425"}