{"uin":"IRDAN115RP0001V01200203","name":"Motor Trade Internal Risk Package Policy CIS","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"general","category":"motor-commercial","category_name":"Commercial vehicle insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Motor Trade Internal Risk Package Policy is an indemnity motor trade policy covering Motor Own Damage and Motor Third Party risks for vehicles in or on the insured premises. Claims may be handled cashlessly at network garages, and the CIS states add-on covers are not applicable.","analysis":{"state":"machine","analysed_at":"2026-10-20 07:42:59.271803+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.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the policy period by reference to the policy schedule, but does not state a fixed term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give notice as soon as possible with full particulars. The CIS also says to notify the insurer within 30 days for smooth processing.","display":"As soon as possible; CIS says within 30 days for smooth processing","note":null,"quote":"In the event of any occurrence which may give rise to a claim under this Policy the insured shall as soon as possible give notice thereof to the Company with full particulars. ... notify us of a claim within 30 days for smooth processing.","sources":[{"clause":"3(III)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-iii"},{"clause":"Row 1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19867#c-row-1-ii"}],"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":["claim form","all the claim related documents","FIR only in case of third-party property damage/bodily injury, personal accident of ownerdriver or co-passenger, theft, malicious damage, key loss, or a major accident","Every letter claim writ summons and/or process"],"display":"Claim form, all claim-related documents, FIR in specified cases, and every letter/claim/writ/summons/process","note":null,"quote":"The customer shall submit all the claim related documents along with claim form at the time of claim intimation. ... File an FIR: Only in case of third-party property damage/bodily injury, personal accident of ownerdriver or co-passenger, theft, malicious damage, key loss, or a major accident. ... Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt.","sources":[{"clause":null,"heading":"CHAPTER 4 - Claim Procedure","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-chapter-4-claim-procedure"},{"clause":"3(III)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-iii"}],"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":"Assessment sheet /Survey report will be furnished within 15 days of assessment/ survey. Claim will be decided within 7 days of receipt of the survey report/Assessment Sheet, as applicable.","display":"Survey report within 15 days of assessment/survey; claim decided within 7 days of receipt of survey report/Assessment Sheet","note":null,"quote":"Assessment sheet /Survey report will be furnished within 15 days of assessment/ survey.\n2. Claim will be decided within 7 days of receipt of the survey report/Assessment Sheet, as applicable.","sources":[{"clause":null,"heading":"CHAPTER 4 - Claim Procedure","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-chapter-4-claim-procedure"}],"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":["loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres by application of brakes or by punctures, cuts or bursts","flood typhoon hurricane volcanic eruption earthquake or other convulsion of nature","Damage to property caused directly or indirectly by fire or explosion","Any consequence of burglary housebreaking or theft or any attempt thereat","Damage to property sustained while it is being worked upon and directly resulting from such work","Any defective workmanship","Death injury or damage caused by or through any demolition or of structural alteration or addition to the premises","Death injury or damage caused by or through or in connection with the use by the insured of power driven cranes elevators lifts or hoists","Death injury or damage resulting from the driving elsewhere than in or on the premises","Damage to any motor vehicle or its accessories caused by weather conditions","ionising radiations or contamination by radioactivity"],"display":"Wear and tear/breakdown, tyre damage, flood/earthquake/war/riot, fire or explosion, burglary/theft, work being done, defective workmanship, demolition/alteration, power-driven cranes/lifts, driving outside premises, weather damage, and nuclear/radioactivity","note":null,"quote":"For loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages. ... For damage to tyres by application of brakes or by punctures, cuts or bursts. ... flood typhoon hurricane volcanic eruption earthquake or other convulsion of nature ... Damage to property caused directly or indirectly by fire or explosion ... Any consequence of burglary housebreaking or theft or any attempt thereat ... Damage to property sustained while it is being worked upon and directly resulting from such work ... Any defective workmanship ... Death injury or damage caused by or through any demolition or of structural alteration or addition to the premises ... Death injury or damage caused by or through or in connection with the use by the insured of power driven cranes elevators lifts or hoists ... Death injury or damage resulting from the driving elsewhere than in or on the premises ... Damage to any motor vehicle or its accessories caused by weather conditions ... ionising radiations or contamination by radioactivity","sources":[{"clause":null,"heading":"EXCEPTIONS TO SECTION I","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-exceptions-to-section-i"},{"clause":"3(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-a"},{"clause":"3(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-b"},{"clause":"3(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-c"},{"clause":"3(d)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-d"},{"clause":"3(e)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-e"},{"clause":"3(f)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-f"},{"clause":"3(g)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-g"},{"clause":"3(I)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-i"}],"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":"For a query or grievance, contact the respective branch office, call 1800-2666, or use the Grievance Redressal subsection on www.icicilombard.com. If the resolution is not satisfactory, the policy says the insured may approach IRDAI through Bima Bharosa/IGCC or the Insurance Ombudsman.","display":"Branch office, 1800-2666 or Grievance Redressal on the website; then IRDAI/Bima Bharosa/IGCC or Insurance Ombudsman if unsatisfied","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free no.1800-2666 or may approach us at the sub section “Grievance Redressal” on our website www.icicilombard.com (Customer Support section). However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal","sources":[{"clause":null,"heading":"CHAPTER 6 - Grievance Clause","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-chapter-6-grievance-clause"}],"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":"conflicting","value":["damage to any insured vehicle caused by accidental, external and visible means and occurring in or on the premises","Accidental death of or bodily injury to any person other than a person in the insured’s service or a member of the insured’s family or household","Accidental damage to any insured vehicle held in trust by or in the custody or control of the insured","Other property not being property belonging to or held in trust by or in the custody or control of the insured"],"display":"Accidental, external and visible damage on premises; public liability for accidental death/bodily injury and specified property damage","note":"The prospectus lists natural and man-made calamities including fire, flood, burglary and theft, but the policy wording and CIS exclusions exclude several of those events.","quote":"Subject to the Limits of liability the Company will indemnify the insured against damage to any insured vehicle (including its accessories whilst thereon) the property of the insured or any member of the insured’s family or household caused by accidental, external and visible means and occurring in or on the premises. ... Accidental death of or bodily injury to any person other than a person in the insured’s service or a member of the insured’s family or household. ... Any insured vehicle (including its accessories whilst thereon) held in trust by or in the custody or control of the insured. ... Other property not being property belonging to or held in trust by or in the custody or control of the insured ... Natural Calamities – Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide. o Man-made Calamities – Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air etc.","sources":[{"clause":"Section I","heading":"DAMAGE","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-section-i"},{"clause":"1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-1-i"},{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-1-a"},{"clause":"1(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-1-b"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/20227#c-s1"}],"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 policyholder can cancel anytime by informing the insurer. If the policyholder cancels, the insurer refunds proportional premium for the unexpired period for a term up to one year if no claim was made; for terms over 12 months, it refunds premium for unexpired policy years where risk coverage has not commenced.","display":"Proportional unexpired premium if term is up to one year and no claim; for terms over 12 months, unexpired policy years where risk has not commenced","note":null,"quote":"The policyholder can cancel the policy at any time during the term, by informing the insurer. ... the insurer will refund proportional premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period. In case the term of the policy is more than 12 months, the insurer will refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"3(V)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-v"}],"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":"quote-verified","value":"The own-damage cover applies to accidental damage occurring in or on the premises; liability cover refers to occurrences in, on or about the premises.","display":"In or on the premises; liability in, on or about the premises","note":"No separate country-wide geographic territory is stated for the base internal risks cover.","quote":"caused by accidental, external and visible means and occurring in or on the premises. ... occurring in on or about the premises through the negligence of the insured or any person in the service of or acting on behalf of the insured","sources":[{"clause":"Section I","heading":"DAMAGE","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-section-i"},{"clause":"1(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-1-b"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Motor Own Damage","Motor Third Party"],"display":"Package policy with Motor Own Damage and Motor Third Party","note":null,"quote":"Product Name MOTOR TRADE INTERNAL RISK PACKAGE POLICY ... Interests Insured • Motor Own Damage • Motor Third Party","sources":[{"clause":"Row 1","heading":"Product Name MOTOR TRADE INTERNAL RISK PACKAGE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19867#c-row-1"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy covers legal liability for accidental death or bodily injury to persons other than employees or family/household members, and accidental damage to specified property, subject to the limits of liability in the Schedule and the Motor Vehicles Act.","display":"Accidental death/bodily injury and specified property damage, subject to Schedule limits and the MV Act","note":"The documents provided do not state an unlimited limit for death or bodily injury.","quote":"Subject to the Limits of liability as laid down in the Schedule ... the Company will indemnify the insured against all sums including claimant’s costs and expenses which the insured shall become legally liable to pay in respect of ... Accidental death of or bodily injury to any person other than a person in the insured’s service or a member of the insured’s family or household. ... Other property not being property belonging to or held in trust by or in the custody or control of the insured ... Nothing in this Policy or any endorsement hereon shall affect the right of any person indemnified by this Policy or any other person to recover an amount under or by virtue of the provisions of the Motor Vehicles Act.","sources":[{"clause":"1","heading":"Subject to the Limits of liability as laid down in the Schedule","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-1"},{"clause":"1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-1-i"},{"clause":"1(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-1-b"},{"clause":"2","heading":"AVOIDANCE OF CERTAIN TERMS AND RIGHT OF","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-2"}],"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 Declared Value is fixed on the manufacturer’s listed selling price of the vehicle brand and model at policy start or renewal, adjusted by the depreciation grid for each one-year block. During the policy period, IDV is treated as market value without further depreciation for TL, CTL or Cash loss, and CTL applies if retrieval and/or repair cost exceeds 75% of IDV.","display":"IDV fixed from manufacturer’s listed selling price, adjusted by depreciation grid; treated as market value for TL/CTL/Cash loss; CTL if cost exceeds 75% of IDV","note":null,"quote":"The Insured Declared Value (IDV) of your vehicle and any accessories (if applicable) is fixed on the manufacturer’s listed selling price of the vehicle brand and model at the start of the policy or at renewal. It will adjust according to the depreciation g rid (in policy wordings) for each one -year block within the policy period. Throughout the policy period, the IDV is treated as the Market Value without further depreciation for Total Loss (TL), Constructive Total Loss (CTL), or Cash loss claims. The insured vehicle will be considered a CTL if the aggregate cost of retrieval and/or repair, as per the policy’s terms and conditions, exceeds 75% of the IDV.","sources":[{"clause":"Row 1","heading":"Product Name MOTOR TRADE INTERNAL RISK PACKAGE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19867#c-row-1"}],"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":"not-stated","value":null,"display":null,"note":"The documents refer to a depreciation grid or schedule, but the actual part-wise depreciation rates are not printed in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-stated","value":null,"display":null,"note":"The base no-claim bonus discount scale is not stated.","quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"The CIS states that the compulsory deductible is listed in the policy schedule and gives ₹ 50 for two-wheelers and ₹ 500 for other class of vehicle.","display":"₹ 50 for two-wheelers; ₹ 500 for other class of vehicle","note":null,"quote":"Compulsory Deductible: Your compulsory deductible, listed in your policy schedule. • ₹ 50 for two -wheelers • ₹ 500 for other class of vehicle","sources":[{"clause":"Row 1","heading":"Product Name MOTOR TRADE INTERNAL RISK PACKAGE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19867#c-row-1"}],"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":"Optional voluntary deductible may be opted by the insured; if opted, the insured bears the first aggregate amount of voluntary and compulsory deductible for each event.","display":"Optional voluntary deductible; amount as opted and inserted","note":"The wording does not print the selectable rupee amounts; blanks are to be filled based on the option chosen.","quote":"It is by declared and agreed that the insured having opted a voluntary deductible of ` .....................* a reduction in premium of ` .....................** under Section 1 of the policy is hereby allowed. ... the insured shall bear under Section 1 of the policy in respect of each and every event ... the first ` .....................***","sources":[{"clause":"22","heading":null,"page":8,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-22"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-stated","value":null,"display":null,"note":"The clauses mention personal accident claim intimation involving owner-driver, but do not state a compulsory owner-driver PA cover amount or terms for this product.","quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Not Applicable"],"display":"Add-on Covers: Not Applicable","note":null,"quote":"Add-on Covers: Not Applicable","sources":[{"clause":"Row 1","heading":"Product Name MOTOR TRADE INTERNAL RISK PACKAGE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19867#c-row-1"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless claim service is available through network garages. For a cashless claim, the approved amount is paid directly to the garage and the insured pays any balance amount.","display":"Yes, through network garages; approved amount paid directly to the garage","note":null,"quote":"Details of procedure to be followed for cashless service as well as for reimbursement of claim ... Alternatively, you can inform our network garages - https://www.icicilombard.com/cashless-garages. ... For Cashless Claim - Approved amount will be paid directly to the garage. Any balance amount will be paid by you (the insured).","sources":[{"clause":null,"heading":"CHAPTER 4 - Claim Procedure","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-chapter-4-claim-procedure"}],"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":["loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres by application of brakes or by punctures, cuts or bursts","Damage to property caused directly or indirectly by fire or explosion","Any consequence of burglary housebreaking or theft or any attempt thereat","Any defective workmanship","Death injury or damage resulting from the driving elsewhere than in or on the premises","Damage to any motor vehicle or its accessories caused by weather conditions","vehicle is used outside the terms of this policy","valid driving license at the time of the accident and are not disqualified","valid Pollution Under Control (PUC) certificate and/or Vehicle Fitness Certificate"],"display":"Wear and tear/breakdown, tyre damage, fire/explosion, burglary/theft, defective workmanship, driving outside premises, weather damage, use outside policy terms, driver not meeting licence/disqualification condition, and PUC/fitness certificate warranty","note":null,"quote":"For loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages. ... For damage to tyres by application of brakes or by punctures, cuts or bursts. ... Damage to property caused directly or indirectly by fire or explosion ... Any consequence of burglary housebreaking or theft or any attempt thereat ... Any defective workmanship ... Death injury or damage resulting from the driving elsewhere than in or on the premises ... Damage to any motor vehicle or its accessories caused by weather conditions ... If your vehicle is used outside the terms of this policy, you won’t be covered. ... The policy covers any driver, including you, as long as you have a valid driving license at the time of the accident and are not disqualified from holding one ... You must have a valid Pollution Under Control (PUC) certificate and/or Vehicle Fitness Certificate at the start of the policy and ensure they stay up to date throughout the policy period.","sources":[{"clause":null,"heading":"EXCEPTIONS TO SECTION I","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-exceptions-to-section-i"},{"clause":"3(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-b"},{"clause":"3(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-c"},{"clause":"3(e)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-e"},{"clause":"3(I)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975#c-3-i"},{"clause":"Row 1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19867#c-row-1-ii"}],"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":"Motor own damage sum insured is the IDV. The IDV is fixed on the manufacturer’s listed selling price of the vehicle brand and model at policy start or renewal and adjusted by the depreciation grid; motor third party sum insured is as per the MV Act.","display":"Own damage on IDV; third party as per the MV Act","note":null,"quote":"Sum Insured • Motor Own Damage – Your Sum Insured (IDV): (as mentioned in your policy schedule) • Motor Third party – Your Sum Insured is as per the MV Act Motor - Insured Declared Value (IDV) Scope The Insured Declared Value (IDV) of your vehicle and any accessories (if applicable) is fixed on the manufacturer’s listed selling price of the vehicle brand and model at the start of the policy or at renewal.","sources":[{"clause":"Row 1","heading":"Product Name MOTOR TRADE INTERNAL RISK PACKAGE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19867#c-row-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Trade Internal Risk Package Policy","pages":25,"fetched_at":"2026-10-20 02:06:58+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/motor-trade-internal-risk-package-policy8c0007ff45fd68ff8a0df0055fa6f331.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19975"},{"kind":"prospectus","label":"Motor Trade Internal Risk Package Policy","pages":5,"fetched_at":"2026-10-20 02:25:33+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-motor-trade-internal-risk-package-policy.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/20227"},{"kind":"cis","label":"Motor Trade Internal Risk Package Policy CIS","pages":5,"fetched_at":"2026-10-20 01:57:37+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/motor-trade-internal-risk-package-policy-cis.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203/document/19867"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"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":"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":"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":"Motor Trade Internal Risk Package Policy CIS (UIN IRDAN115RP0001V01200203), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/motor-trade-internal-risk-package-policy-cis-irdan115rp0001v01200203"}