{"uin":"IRDAN115RP0013V01200102","name":"Goods Carrying Vehicle Liability Policy CIS","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102","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":"Goods Carrying Vehicle Liability Policy is a liability-only motor commercial policy covering third-party death, bodily injury and property damage in India, with owner-driver personal accident cover. The documents state owner-driver personal accident liability up to ` 15 Lakhs and optional add-ons IL Smart Assist and Motor Sahayak.","analysis":{"state":"machine","analysed_at":"2026-10-20 13:18:37.83526+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plan A","Plan B"],"display":"Plan A; Plan B","note":"These Plan A and Plan B variants are printed under the optional Loss of Personal Belongings add-on.","quote":"Plan A ... Plan B","sources":[{"clause":null,"heading":"Plan A","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-plan-a"},{"clause":null,"heading":"Plan B","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-plan-b"}],"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 policy period by the start and end date/hour specified in the schedule, but does not print 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":"conflicting","value":"Notice must be given in writing immediately upon the occurrence of any accident and in the event of any claim.","display":"Immediately upon accident or claim","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 accident and in the event of any claim.","sources":[{"clause":null,"heading":"2. CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-2-conditions"},{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19854#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":["Every letter claim writ summons and/or process","FIR","original Bills / Reports / Prescriptions/ Indoor case papers and Hospital discharge summary"],"display":"Letters, claims, writs, summons/process; FIR; original bills, reports, prescriptions, indoor case papers and discharge summary for EME add-on","note":"The bills/reports/prescriptions/indoor case papers/discharge summary requirement is for Emergency Medical Expenses add-on claims.","quote":"Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the insured. ... Report the incident to the nearest police station by filing an FIR. ... Submission of original Bills / Reports / Prescriptions/ Indoor case papers and Hospital discharge summary shall be required for reimbursement of all such claims.","sources":[{"clause":null,"heading":"2. CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-2-conditions"},{"clause":null,"heading":"CHAPTER 6 - Claim Procedure","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-chapter-6-claim-procedure"},{"clause":"68(b)(ii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-68-b-ii"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["Being used otherwise than in accordance with the ‘Limitations as to Use’","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause","any contractual liability","death arising out of and in the course of employment","death or bodily injury to any person ... being carried in or upon or entering or mounting or alighting from the Motor Vehicle","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material","Hire or Reward","Carriage of goods (other than samples of personal luggage)","Organised racing, Pace Making, Reliability trails or Speed testing"],"display":"Use outside limitations, unauthorised driver, contractual liability, employment injury/death, persons carried/entering/alighting, war, nuclear weapons material, hire/reward, carriage of goods, racing/pace-making/reliability trials/speed testing","note":null,"quote":"a) Being used otherwise than in accordance with the ‘Limitations as to Use’ or ... b) Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause. II. The Company shall not be liable in respect of any claim arising out of any contractual liability. ... death arising out of and in the course of employment ... death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the Motor Vehicle ... War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... nuclear weapons material ... The Policy covers use of the vehicle for any purpose other than: Hire or Reward, Carriage of goods (other than samples of personal luggage), Organised racing, Pace Making, Reliability trails or Speed testing, any purpose in Connection with Motor Trade.","sources":[{"clause":"5(III)(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-iii-a"},{"clause":"5(III)(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-iii-b"},{"clause":"5(IV)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-iv"},{"clause":"5(V)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-v"},{"clause":"5(VI)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-vi"},{"clause":null,"heading":"CHAPTER 4 - Limitations as to Use","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-chapter-4-limitations-as-to-use"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the respective branch office, call 1800-2666, or use the Grievance Redressal section on the insurer website. If the resolution is not satisfactory, the policy says the insured may approach IRDAI through Bima Bharosa or IGCC, and may also approach the Insurance Ombudsman.","display":"Branch office, 1800-2666 or website Grievance Redressal; then IRDAI/Bima Bharosa/IGCC; then Ombudsman","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":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#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":["Death of or bodily injury to any person","Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured","Personal Accident Cover for Owner Driver"],"display":"Third-party death/bodily injury, third-party property damage, and owner-driver personal accident cover","note":null,"quote":"a) Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act. b) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule. ... PERSONAL ACCIDENT COVER FOR OWNER DRIVER","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-1"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-section-iii"}],"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":"If the policyholder cancels, the insurer refunds proportional premium for the unexpired policy period if the term is up to one year and no claims were made. For terms over 12 months, it refunds premium for unexpired policy years whose 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 years not yet 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 cancelation, 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":null,"heading":"2. CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-2-conditions"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The main third-party liability cover applies anywhere in India. An endorsement can extend the geographical area to Nepal, Sri Lanka, Maldives, Bhutan, Pakistan or Bangladesh if applicable.","display":"Anywhere in India; extension possible to Nepal/Sri Lanka/Maldives/Bhutan/Pakistan/Bangladesh","note":"The geographical extension is by endorsement and excludes cover during sea voyage/air passage for ferrying the vehicle.","quote":"the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India ... NOTE: Insert Nepal/Sri Lanka/Maldives/Bhutan/Pakistan/ Bangladesh as the case may be.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-1"},{"clause":null,"heading":"CHAPTER 3 - INDIA MOTOR TARIFF – ENDORSEMENTS 1. IMT. 1. Extension of Geographical Area","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-chapter-3-india-motor-tariff-endorsements-1-imt-2"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["VEHICLE LIABILITY ONLY POLICY"],"display":"Liability only / third-party only","note":null,"quote":"VEHICLE LIABILITY ONLY POLICY ... LIABILITY TO THIRD PARTIES","sources":[{"clause":null,"heading":"CHAPTER 1 -STANDARD FORM FOR COMMERCIAL","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-chapter-1-standard-form-for-commercial"},{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-section-ii"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for sums legally liable to pay for third-party death or bodily injury as necessary to meet the Motor Vehicles Act, and for third-party property damage up to the limit specified in the schedule.","display":"Death or bodily injury as necessary to meet the Motor Vehicles Act; property damage up to schedule limit","note":"The wording does not print the word unlimited for death or bodily injury; it says the cover is so far as necessary to meet the requirements of the Motor Vehicles Act.","quote":"the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India against all sums including claimant’s costs and expenses which the insured shall become legally liable to pay in respect of\na) Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.\nb) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-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":"not-applicable","value":null,"display":null,"note":"IDV is the insured value for own-damage theft or total-loss claims; this product is a vehicle liability only policy.","quote":null,"sources":[],"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-applicable","value":null,"display":null,"note":"Depreciation on replaced parts applies to own-damage repair claims; this product is a vehicle liability only policy.","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-applicable","value":null,"display":null,"note":"No-claim bonus is an own-damage premium discount; this product is a vehicle liability only policy.","quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-applicable","value":null,"display":null,"note":"Compulsory deductible applies to own-damage claims; this product is a vehicle liability only policy.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-applicable","value":null,"display":null,"note":"Voluntary deductible applies to own-damage claims; this is a vehicle liability only policy.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Owner-driver personal accident cover pays compensation for specified death or bodily injury arising in direct connection with the insured vehicle, with aggregate liability not exceeding ` 15 Lakhs during any one period of insurance. The cover is mandatory for one year and may be extended in line with policy duration at the customer's discretion.","display":"Mandatory for one year; up to ` 15 Lakhs during any one period of insurance","note":null,"quote":"PERSONAL ACCIDENT COVER FOR OWNER DRIVER Subject otherwise to the terms exceptions conditions and limitations of this Policy, The Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the ownerdriver of the vehicle in direct connection with the vehicle insured ... the total liability of the insurer shall not in the aggregate exceed the sum of ` 15 Lakhs during any one period of insurance. ... The personal accident cover for owner driver is mandatory for a period of one year and may be extended, in line with the duration of policy, at the discretion of the customer","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-section-iii"},{"clause":"5(I)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-i"},{"clause":"5(III)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-iii"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["IL Smart Assist","Motor Sahayak"],"display":"IL Smart Assist; Motor Sahayak","note":"Add-ons apply only if opted and mentioned in the policy schedule.","quote":"IL Smart Assist: Comprehensive list of services (as specified in your policy schedule) to support at the every distress situation of the customer. ... Motor 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 vehicle release procedures, as per policy terms and conditions.","sources":[{"clause":"Row 1","heading":"Product Name GOODS CARRYING VEHICLE LIABILITY POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19854#c-row-1"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-applicable","value":null,"display":null,"note":"Cashless garage repair is for own-damage motor repair claims; this product is a vehicle liability only policy.","quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Being used otherwise than in accordance with the ‘Limitations as to Use’","person driving holds an effective driving license","Hire or Reward","Carriage of goods (other than samples of personal luggage)","Organised racing, Pace Making, Reliability trails or Speed testing","any contractual liability","intentional self injury suicide or attempted suicide physical defect or infirmity","under the influence of intoxicating liquor or drugs","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","nuclear weapons material","valid Pollution Under Control (PUC) Certificate and/or valid fitness certificate"],"display":"Use outside limitations, no effective driving licence, hire/reward, carriage of goods, racing/pace-making/reliability trials/speed testing, contractual liability, self-injury/suicide/physical defect, intoxicating liquor or drugs, war, nuclear weapons material, PUC/fitness warranty","note":"The intoxicating liquor/drugs and self-injury wording is printed under the owner-driver personal accident cover.","quote":"a) Being used otherwise than in accordance with the ‘Limitations as to Use’ or ... Any person including the insured: Provided that a person driving holds an effective driving license at the time of the accident and is not disqualified from holding or obtaining such a license. ... The Policy covers use of the vehicle for any purpose other than: Hire or Reward, Carriage of goods (other than samples of personal luggage), Organised racing, Pace Making, Reliability trails or Speed testing, any purpose in Connection with Motor Trade. ... The Company shall not be liable in respect of any claim arising out of any contractual liability. ... intentional self injury suicide or attempted suicide physical defect or infirmity or (b) an accident happening whilst such person is under the influence of intoxicating liquor or drugs. ... War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... nuclear weapons material ... valid Pollution Under Control (PUC) Certificate and/or valid fitness certificate","sources":[{"clause":"5(III)(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-iii-a"},{"clause":null,"heading":"CHAPTER 5 - Driver’s Clause","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-chapter-5-drivers-clause"},{"clause":null,"heading":"CHAPTER 4 - Limitations as to Use","page":18,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-chapter-4-limitations-as-to-use"},{"clause":"5(III)(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-iii-b"},{"clause":"5(II)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-ii"},{"clause":"5(V)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-v"},{"clause":"5(VI)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-vi"},{"clause":null,"heading":"CHAPTER 8 - Warranty","page":25,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-chapter-8-warranty"}],"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":"For motor third-party cover, the sum insured is as per the MV Act. For motor personal accident, the wording states aggregate liability up to ` 15 Lakhs during any one period of insurance.","display":"Motor third party as per the MV Act; motor personal accident up to ` 15 Lakhs","note":null,"quote":"Motor Third party – Your Sum Insured is as per the MV Act ... the total liability of the insurer shall not in the aggregate exceed the sum of ` 15 Lakhs during any one period of insurance.","sources":[{"clause":"Row 1","heading":"Product Name GOODS CARRYING VEHICLE LIABILITY POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19854#c-row-1"},{"clause":"5(I)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961#c-5-i"}],"law":[]}],"documents":[{"kind":"wording","label":"Goods Carrying Vehicle Liability Policy","pages":30,"fetched_at":"2026-10-20 02:05:58+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/goods-carrying-vehicle-liability-policy-wording.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19961"},{"kind":"wording","label":"IL Smart Assist - Goods Carrying Vehicle Liability Policy - IRDAN115RP0013V01200102/A0117V01202526","pages":29,"fetched_at":"2026-10-20 02:51:29+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/goods-carrying-vehicle-liability-policy-wording8c0007ff45fd68ff8a0df0055fb81c35.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/20733"},{"kind":"prospectus","label":"Goods Carrying Vehicle Liability Policy","pages":5,"fetched_at":"2026-10-20 02:25:09+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-gcv-0-1.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/20222"},{"kind":"prospectus","label":"IL Smart Assist - Goods Carrying Vehicle Liability Policy","pages":13,"fetched_at":"2026-10-20 02:44:21+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-goods-carrying-vehicle-liability-policy.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/20547"},{"kind":"prospectus","label":"IL Smart Assist - Goods Carrying Vehicle Liability Policy - IRDAN115RP0013V01200102/A0117V01202526","pages":14,"fetched_at":"2026-10-20 02:46:39+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature-goods-carrying-vehicle-liability-policy8c0007ff45fd68ff8a0df0055fb8205c.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/20616"},{"kind":"prospectus","label":"IL Smart Assist - Goods Carrying Vehicle Liability Policy - IRDAN115RP0013V01200102/A0117V01202526","pages":14,"fetched_at":"2026-10-20 02:49:25+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-goods-carrying-vehicle-liability-policy8c0007ff45fd68ff8a0df0055fb826c3.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/20683"},{"kind":"prospectus","label":"Motor Sahayak - Goods Carrying Vehicle Liability Policy","pages":4,"fetched_at":"2026-10-20 03:11:43+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-goods-carrying-vehicle-liability-policy8c0007ff45fd68ff8a0df0056047da69.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/21287"},{"kind":"prospectus","label":"Motor Sahayak - Goods Carrying Vehicle Liability Policy - IRDAN115RP0013V01200102/A0176V01202627","pages":4,"fetched_at":"2026-10-20 03:14:30+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature-goods-carrying-vehicle-liability-policy8c0007ff45fd68ff8a0df0056048c24a.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/21370"},{"kind":"cis","label":"Goods Carrying Vehicle Liability Policy CIS","pages":4,"fetched_at":"2026-10-20 01:56:33+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/goods-carrying-vehicle-liability-policy-cis.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/19854"},{"kind":"cis","label":"IL Smart Assist - Goods Carrying Vehicle Liability Policy CIS - IRDAN115RP0013V01200102/A0117V01202526","pages":4,"fetched_at":"2026-10-20 02:32:49+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/goods-carrying-vehicle-liability-policy-cis8c0007ff45fd68ff8a0df0055fb82b13.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/20334"},{"kind":"cis","label":"Motor Sahayak - Goods Carrying Vehicle Liability Policy CIS - IRDAN115RP0013V01200102/A0176V01202627","pages":4,"fetched_at":"2026-10-20 02:59:15+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/goods-carrying-vehicle-liability-policy-cis8c0007ff45fd68ff8a0df0056048fba0.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102/document/20922"}],"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":"Goods Carrying Vehicle Liability Policy CIS (UIN IRDAN115RP0013V01200102), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/goods-carrying-vehicle-liability-policy-cis-irdan115rp0013v01200102"}