{"uin":"IRDAN115RP0001V03201920","name":"Stand-Alone Own Damage Private Car Insurance Policy","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920","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-car","category_name":"Car insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2019-08-29","withdrawn_on":null,"summary":"This is a stand-alone own damage private car policy with Motor Own Damage and Motor Own Damage without Theft interests. It covers own-damage perils such as fire, theft where applicable, riot, flood, accident by external means and transit, with IDV as the sum insured and cashless repairs at network garages.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:44:17.281742+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Motor Own Damage","Motor Own Damage without Theft"],"display":"Motor Own Damage; Motor Own Damage without Theft","note":null,"quote":"4 | Interests Insured • Motor Own Damage • Motor Own Damage without Theft | Policy Schedule","sources":[{"clause":"Row 1","heading":"Product Name STAND -ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/19893#c-row-1"}],"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 start and end date in the schedule; no fixed duration is printed.","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":"conflicting","value":"Notice of accidental loss or damage must be given in writing immediately. The CIS also says to notify a claim within 30 days for smooth processing.","display":"Immediately; CIS mentions within 30 days for smooth processing","note":"CIS says: \"notify us of a claim within 30 days for smooth processing.\"","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental or 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. ... notify us of a claim within 30 days for smooth processing.","sources":[{"clause":null,"heading":"3. CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-3-conditions"},{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/19893#c-customer-information-sheet-2"}],"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 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"],"display":"Claim form and all claim-related documents; FIR for listed cases","note":null,"quote":"The customer shall submit all the claim related documents along with claim form at the time of claim intimation. ... 2 File an FIR: Only in case of third-party property damage/bodily injury, personal accident of ownerdriver or co-passenger, theft (as applicable in Section I (A)), malicious damage, key loss, or a major accident.","sources":[{"clause":"1","heading":"Claim Intimation: Connect with us via","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-1-3"},{"clause":"2","heading":"File an FIR: Only in case of third-party property","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-2-2"}],"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":"The assessment sheet or survey report will be furnished within 15 days of assessment or survey, and the claim will be decided within 7 days of receipt of the survey report or assessment sheet.","display":"Survey/assessment report within 15 days; claim decided within 7 days of receipt of report/sheet","note":null,"quote":"1. 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":"11","heading":"Turnaround Time (TAT)","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-11-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 section on www.icicilombard.com. If the resolution is not satisfactory, the policy says the insured may approach IRDAI through Bima Bharosa or the IRDAI Grievance Call Centre, and may also approach the Insurance Ombudsman.","display":"Branch office, 1800-2666 or website Grievance Redressal first; then IRDAI/Bima Bharosa or Insurance Ombudsman if unresolved","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 - https://bimabharosa.irdai.gov.in/ or IRDAI Grievance Call Centre(IGCC) at their toll free no. 1800 4254 732 / 155255. You may also approach Insurance Ombudsman, subject to vested jurisdiction, for the redressal of grievance.","sources":[{"clause":null,"heading":"CHAPTER 9 - Grievance Clause","page":36,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-chapter-9-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":"quote-verified","value":["fire explosion self ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","Whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire, theft, riot/strike, earthquake, flood/storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":"The Motor Own Damage without Theft variant excludes burglary, housebreaking and theft.","quote":"I) By fire explosion self ignition or lightning;\nExceeding 2 years but not exceeding 3 years | 15%\nII) By burglary housebreaking or theft; III) By riot and strike;\nExceeding 3 years but not exceeding 4 years | 25%\nIV) By earthquake (fire and shock damage); V) By flood typhoon hurricane storm tempest inundation\nExceeding 4 years but not exceeding 5 years | 35%\ncyclone hailstorm frost; VI) By accidental external means;\nExceeding 5 years but not exceeding 10 years | 40%\nVII) By malicious act; VIII) By terrorist activity;\nExceeding 10 years | 50%\nIX) Whilst in transit by road rail inland-waterway lift elevator or air; X) By landslide rockslide. ... or damage to the vehicle insured hereunder and/or its accessories whilst thereon except burglary housebreaking or theft.","sources":[{"clause":"1","heading":"The Company will indemnify the insured against loss","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-1"},{"clause":"1","heading":"The Company will indemnify the insured against loss","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-1-2"}],"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 at any time by informing the insurer and need not give reasons. If the policy term is up to one year and no claim has been made, the insurer refunds proportional premium for the unexpired policy period; for terms over 12 months, premium is refunded for unexpired policy years where risk coverage has not commenced.","display":"Proportional refund for unexpired period if term is up to one year and no claims; for terms over 12 months, refund for unexpired 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. In case the Policyholder cancels the policy, he/ she is not required to give reasons for cancellation. In such case of cancellation, 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":"5(V)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-5-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":"not-stated","value":null,"display":null,"note":"The wording excludes losses outside the geographical area, but the base geographical area itself is not printed in the clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Motor Own Damage","Motor Own Damage without Theft"],"display":"Standalone own damage: Motor Own Damage and Motor Own Damage without Theft","note":null,"quote":"1 | Product Name STAND -ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY | Policy Schedule ... 4 | Interests Insured • Motor Own Damage • Motor Own Damage without Theft | Policy Schedule","sources":[{"clause":"Row 1","heading":"Product Name STAND -ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/19893#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 product is a stand-alone own damage policy and the interests insured are Motor Own Damage and Motor Own Damage without Theft; third-party liability cover is not listed as an insured interest.","display":"Not listed; this stand-alone own damage policy insures Motor Own Damage and Motor Own Damage without Theft","note":null,"quote":"1 | Product Name STAND -ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY | Policy Schedule ... 4 | Interests Insured • Motor Own Damage • Motor Own Damage without Theft | Policy Schedule","sources":[{"clause":"Row 1","heading":"Product Name STAND -ALONE OWN DAMAGE PRIVATE CAR INSURANCE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/19893#c-row-1"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value (IDV) is deemed to be the sum insured and is fixed at the commencement of each policy period. It is based on the manufacturer's listed selling price at commencement or renewal, may be increased or decreased by agreement based on factors such as location, usage and road type/terrain, is treated as market value through the policy period for TL/CTL/Cash Loss claims, and CTL applies if retrieval/repair exceeds 75% of IDV.","display":"IDV is the sum insured; based on manufacturer’s listed selling price; market value for TL/CTL/Cash Loss; CTL if repair/retrieval exceeds 75% of IDV","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories, if any, fitted to the 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 ... The IDV arrived as per the above method may also be increased or decreased basis various factors like Location, usage, road type/ terrain etc. with agreement of the insured. ... IDV shall be treated as the ‘Market Value’ Throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/ Constructive Total Loss (CTL)/Cash Loss claims. The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":"3","heading":"SUM INSURED -INSURED'S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-3"},{"clause":"Schedule OF","heading":"DEPRECIATION FOR ARRIVING AT IDV","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-schedule-of"}],"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":null,"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":"quote-verified","value":"No Claim Bonus, wherever applicable, is 20% after the preceding full claim-free year, 25% after 2 consecutive years, 35% after 3 consecutive years, 45% after 4 consecutive years and 50% after 5 consecutive years.","display":"20% / 25% / 35% / 45% / 50% for 1 / 2 / 3 / 4 / 5 claim-free years","note":null,"quote":"No claim made or pending during the preceding full year of insurance | 20%\nFirst policy cancelled (on request of Insured) | Later policy Cancelled\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25% ... No claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45% ... No claim made or pending during the preceding 5 consecutive years of insurance | 50%","sources":[{"clause":"5(V)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-5-v"},{"clause":"Row 1","heading":"Dual policy with similar cover issued by the company","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-row-1"},{"clause":"Row 2","heading":"Dual policy with different Insurers","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-row-2"}],"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 compulsory deductible depends on engine size or kilowatt rating: ₹1000 for private cars and three-wheelers with engines up to 1500 cc or EVs under 65 KW, and ₹2000 for private cars and three-wheelers with engines over 1500 cc or EVs above 65 KW.","display":"₹1000 up to 1500 cc or EVs under 65 KW; ₹2000 over 1500 cc or EVs above 65 KW","note":null,"quote":"Compulsory Deductible: Your compulsory deductible, listed in your policy schedule, depends on your vehicle's engine size or kilowatt (KW) rating: • ₹1000 for private cars and three -wheelers with engines up to 1500 cc or EVs under 65 KW. • ₹2000 for private cars and three -wheelers with engines over 1500 cc or EVs above 65 KW.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/19893#c-customer-information-sheet-2"}],"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":"A voluntary deductible is optional; if chosen, the amount is shown in the policy schedule. The CIS table lists four-wheeler voluntary deductibles of ₹ 2500, ₹ 5000, ₹ 7500 and ₹ 15000 with discounts up to ₹ 750, ₹ 1500, ₹ 2000 and ₹ 2500 respectively.","display":"Optional; ₹ 2500, ₹ 5000, ₹ 7500 or ₹ 15000 voluntary deductible with discounts up to ₹ 750, ₹ 1500, ₹ 2000 or ₹ 2500","note":"Applies only if the insured chooses a voluntary deductible.","quote":"Voluntary Deductible: If you’ve chosen a voluntary deductible, the amount is shown in your policy schedule. Please check the table in your policy for the details: VOLUNTARY DEDUCTIBLE DISCOUNT Amount % Four -Wheeler - Own Discount Up Damage Premium to ₹ 2500/- 20% ₹ 750/- ₹ 5000/- 25% ₹ 1500/- ₹ 7500/- 30% ₹ 2000/- ₹ 15000/ - 35% ₹ 2500/-","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/19893#c-customer-information-sheet-2"}],"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 wording mentions personal accident claim intimation involving the owner-driver, but the compulsory PA cover terms, sum insured or benefit are not printed in the provided clauses.","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":["Zero Depreciation","Consumable Items","Garage Cash","NCB Protect","Return to Invoice","Engine Protect Plus","Roadside Assistance","Key Protect","Loss of personal belonging","Tyre Protect","EMI Protect","Emergency Medical Expenses","Motor Floater","Telematics","Battery Protect Cover","Smart Saver","Smart Saver Plus","IL Smart Assist","War Risk Cover","Cyber Risk Cover","IDV Booster","Motor Sahayak"],"display":"Zero Depreciation, Consumable Items, Garage Cash, NCB Protect, Return to Invoice, Engine Protect Plus, Roadside Assistance, Key Protect, Loss of personal belonging, Tyre Protect, EMI Protect, Emergency Medical Expenses, Motor Floater, Telematics, Battery Protect Cover, Smart Saver, Smart Saver Plus, IL Smart Assist, War Risk Cover, Cyber Risk Cover, IDV Booster, Motor Sahayak","note":"Add-ons are optional and apply only if opted as mentioned in the policy schedule.","quote":"Zero Depreciation: Covers the full cost of applicable parts without depreciation during repairs. | 7.1\nConsumable Items: Covers cost for consumable items e.g. nut/bolt/screw etc. in repairs. | 7.2\nGarage Cash: You will receive a daily allowance (as opted), for vehicle repairs, subject to a minimum number of days (as specified in your policy schedule) that the vehicle remains in the garage. | 7.3\nNCB Protect: Your No Claim Bonus (NCB) eligibility remains protected, as per the plan you've chosen, even if you make a claim. | 7.4\nReturn to Invoice: Covers the gap between the insured amount and the vehicle's invoice declared value and the new vehicle purchase price plus road tax, insurance cost & registration charges. | 7.5\nEngine Protect Plus: Covers engine repair/replacement costs due to consequential damages. | 7.6\nRoadside Assistance: 24X7 on -road assistance if your vehicle is immobilised due to breakdown or accident. | 7.7\nKey Protect: Covers the cost of replacing lost or stolen keys, up to opted sum insured. | 7.8\nLoss of personal belonging : Reimbursement for loss of personal belongings from the insured vehicle due to covered perils. | 7.9\nTyre Protect: Covers the repair/replacement cost of damaged tires. | 7.10\nEMI Protect: Covers monthly EMI payments if vehicle is under repair | 7.11\nEmergency Medical Expenses: Covers hospitalization expenses for vehicle passengers, along with daily hospital cash and other opted benefits. | 7.12\nMotor Floater: One Policy for all your vehicles. | 7.13\nTelematics: Pay as you use - coverage is based on the number of kilometres you choose. | 7.14\nBattery Protect Cover: Covers the cost of battery repair or replacement due to consequential damages | 7.15\nSmart Saver: Offers premium discounts based on opted reduction commitment max up to Rs. 5000. | 7.16\nSmart Saver Plus: Assured repair time if your vehicle is reported to an IL Preferred Partner Garage, else alternate travel arrangement is provided. | 7.17\nIL Smart Assist: Comprehensive list of services (as specified in your policy schedule) to support at the every distress situation of the customer. | 7.18\nWar Risk Cover: Covers accidental loss damage arising from war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war), civil war, mutiny rebellion, Military or usurped power or by any direct or indirect consequence of any of the said occurrences. | 7.19\nCyber Risk Cover: Covers damage to or liability arising out of or in connection with a cyber incident which arises directly from or is connected to the Insured Vehicle’s systems or integrated connected devices. | 7.20\nIDV Booster: Covers enhancement of the Insured Declared Value (IDV) of the Insured Vehicle, over and above the IDV determined under the Policy. | 7.21\nMotor Sahayak: Covers accident related assistance, RTO documentation support, and reimbursement of eligible defence expenses, including support for bail application proceedings, Traffic Challan Regularization and insured vehiclerelease procedures, as per p olicy terms and conditions. | 7.22","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/19893#c-customer-information-sheet-2"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Repairs can be cashless at network garages. The insured may inform network garages, report the vehicle to the nearest network garage, and for a cashless claim the approved amount is paid directly to the garage while any balance is paid by the insured.","display":"Yes, cashless at network garages; approved amount paid directly to the garage","note":null,"quote":"Alternatively, you can inform our network garages - https:// www.icicilombard.com/cashless-garages. ... Report your vehicle to the nearest network garage, find list here 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":"1","heading":"Claim Intimation: Connect with us via","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-1-3"},{"clause":"3","heading":"Garage Visit: Report your vehicle to the nearest","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-3-2"},{"clause":"7","heading":"Payments: For Cashless Claim - Approved amount","page":10,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-7-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 IDV. The IDV is fixed at the commencement of each policy period on the basis of the manufacturer's listed selling price at commencement or renewal, may be adjusted by agreement for factors such as location, usage and road type/terrain, and is treated as market value for TL/CTL/Cash Loss claims.","display":"IDV basis; fixed from manufacturer’s listed selling price and treated as market value for TL/CTL/Cash Loss","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories, if any, fitted to the 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 ... The IDV arrived as per the above method may also be increased or decreased basis various factors like Location, usage, road type/ terrain etc. with agreement of the insured. ... IDV shall be treated as the ‘Market Value’ Throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/ Constructive Total Loss (CTL)/Cash Loss claims.","sources":[{"clause":"3","heading":"SUM INSURED -INSURED'S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-3"},{"clause":"Schedule OF","heading":"DEPRECIATION FOR ARRIVING AT IDV","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002#c-schedule-of"}],"law":[]}],"documents":[{"kind":"wording","label":"Stand-Alone Own Damage Private Car Insurance Policy","pages":42,"fetched_at":"2026-10-20 02:09:04+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/stand-alone-own-damage-private-car-insurance-policy-wording.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20002"},{"kind":"wording","label":"Loss of Personal Belongings - Stand-Alone Own Damage Private Car Insurance Policy - IRDAN115RP0001V01201920/A0011V02201920","pages":38,"fetched_at":"2026-10-20 02:58:23+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/stand-alone-own-damage-private-car-insurance-policy-wording8c0007ff45fd68ff8a0df0056022fb64.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20902"},{"kind":"wording","label":"Return to Invoice - Stand-Alone Own Damage Private Car Insurance Policy - IRDAN115RP0001V01201920/A0036V02201819","pages":38,"fetched_at":"2026-10-20 03:02:11+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/stand-alone-own-damage-private-car-insurance-pw.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/21010"},{"kind":"wording","label":"Stand-Alone Own Damage Private Car insurance Policy (IRDAI copy)","pages":23,"fetched_at":"2026-10-20 00:30:30+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN115RP0001V01201920_GEN3338.pdf/92a65727-77e2-4e30-68e9-4d2d496b8009?version=1.1&t=1668331488414&download=true","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/23718"},{"kind":"wording","label":"EMI Protect-Stand-Alone Own Damage Private Car insurance Policy (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:35:29+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN115RP0001V01201920A0004V01202021_GEN3984.pdf/ee043ca5-ae93-3ffe-be39-514d55803694?version=1.1&t=1668236533013&download=true","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/26780"},{"kind":"prospectus","label":"Stand-Alone Own Damage Private Car Insurance Policy","pages":12,"fetched_at":"2026-10-20 01:59:10+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-pvt-1-0.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/19883"},{"kind":"prospectus","label":"Smart Saver Add-On Cover under Private Car Stand Alone Own Damage Policy - IRDAN115RP0001V01201920/A0049V01202223","pages":8,"fetched_at":"2026-10-20 02:10:06+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature-pvt-1-0.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20012"},{"kind":"prospectus","label":"IL Smart Assist - Stand-Alone Own Damage Private Car Insurance Policy","pages":16,"fetched_at":"2026-10-20 02:42:33+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-stand-alone-own-damage-private-car-insurance-policy.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20497"},{"kind":"prospectus","label":"Loss of Personal Belongings - Stand-Alone Own Damage Private Car Insurance Policy - IRDAN115RP0001V01201920/A0011V02201920","pages":3,"fetched_at":"2026-10-20 03:03:53+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature-stand-alone-own-damage-private-car.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/21055"},{"kind":"prospectus","label":"Road Side Assistance - 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Stand-Alone Own Damage Private Car Insurance Policy - IRDAN115RP0001V01201920/A0011V02201920","pages":5,"fetched_at":"2026-10-20 02:46:05+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/stand-alone-own-damage-private-car-insurance-policy-cis8c0007ff45fd68ff8a0df00560234375.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/20598"},{"kind":"rider","label":"Smart Saver Add-On Cover under Private Car Stand Alone Own Damage Policy - IRDAN115RP0001V01201920/A0049V01202223","pages":25,"fetched_at":"2026-10-20 01:53:44+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/stand-alone-own-damage-private-car-insurance-policy8c0007ff45fd68ff8a0df0055fa6f8e3.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920/document/19814"}],"versions":[{"uin":"IRDAN115RP0001V01201920","version":null,"approved_on":null},{"uin":"IRDAN115RP0001V03201920","version":null,"approved_on":null}],"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":"Stand-Alone Own Damage Private Car Insurance Policy (UIN IRDAN115RP0001V03201920), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/stand-alone-own-damage-private-car-insurance-policy-irdan115rp0001v03201920"}