{"uin":"IRDAN115RP0015V05201415","name":"Two Wheeler Vehicle Package Policy - IRDAN115RP0015V05201415","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415","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-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a two wheeler package motor policy with own damage, third-party liability and optional motor personal accident cover. Own damage is based on IDV and the wording also offers add-ons such as zero depreciation, roadside assistance, engine protect, return to invoice and war risk cover.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:40:34.520122+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":["Tenure 1","Tenure 2","Tenure 3"],"display":"Tenure 1, 2 and 3 Years","note":null,"quote":"CHAPTER 1 - STANDARD FORM FOR Two Wheeler Vehicle Package Policy (Tenure 1, 2 and 3 Years)","sources":[{"clause":null,"heading":"POLICY WORDING","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-policy-wording"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Tenure 1, 2 and 3 Years. The policy period starts and ends as specified in the policy schedule.","display":"Tenure 1, 2 and 3 Years; start and end as specified in the schedule","note":null,"quote":"CHAPTER 1 - STANDARD FORM FOR Two Wheeler Vehicle Package Policy (Tenure 1, 2 and 3 Years) ... Means the period commencing from policy start date and hour and terminating on the policy and date and hour as specified in part I of schedule of the policy","sources":[{"clause":null,"heading":"POLICY WORDING","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-policy-wording"},{"clause":"2","heading":"POLICY PERIOD","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of accidental loss or damage must be given in writing immediately. Theft or other criminal acts also require immediate notice to the police.","display":"Immediately upon accidental loss or damage; immediate police notice for theft or criminal act","note":null,"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 ... In case of theft or other criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police","sources":[{"clause":null,"heading":"3. CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["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 specified cases","note":"The wording points to a web link for the full list of required documents.","quote":"The customer shall submit all the claim related documents along with claim form at the time of claim intimation. ... File an FIR: Only in case of third-party property damage/bodily injury, personal accident of ownerdriver or co-passenger, theft, malicious damage, key loss, or a major accident.","sources":[{"clause":null,"heading":"CHAPTER 6 - Claim Procedure","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-chapter-6-claim-procedure"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Assessment sheet or survey report will be furnished within 15 days of assessment or survey. 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":"Assessment sheet /Survey report will be furnished within 15 days of assessment/ survey. 2. Claim will be decided within 7 days of receipt of the survey report/ Assessment Sheet, as applicable.","sources":[{"clause":null,"heading":"CHAPTER 6 - Claim Procedure","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-chapter-6-claim-procedure"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the Limitations as to Use","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time","under the influence of intoxicating liquor or drugs","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","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"],"display":"Outside geographical area, contractual liability, use outside limitations, unapproved driver, wear and tear/breakdown, tyres/tubes, accessories theft, intoxication, nuclear/radiation, war and restricted use","note":null,"quote":"Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the Limitations as to Use. ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages. ... Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time ... Loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time ; and ... under the influence of intoxicating liquor or drugs. ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... 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":"3(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3-i"},{"clause":"3(II)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3-ii"},{"clause":"3(III)(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3-iii-a"},{"clause":"3(III)(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3-iii-b"},{"clause":"3(III)(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3-iii-b-2"},{"clause":"1(X)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-x"},{"clause":null,"heading":"CHAPTER 4 - Limitations as to Use","page":21,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#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's website. If not satisfied, the policy then mentions IRDAI, Bima Bharosa and the Insurance Ombudsman.","display":"Branch office, 1800-2666 or Grievance Redressal on icicilombard.com first","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)","sources":[{"clause":null,"heading":"CHAPTER 9 - Grievance Clause","page":41,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#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","transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire, theft, riot and strike, earthquake, flood/storm/cyclone, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"I) By fire explosion self ignition or lightning; ... II) By burglary housebreaking or theft; ... III) By riot and strike; ... IV) By earthquake (fire and shock damage); ... V) By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; ... VI) By accidental external means; ... VII) By malicious act; ... VIII) By terrorist activity; ... IX) Whilst in transit by road rail inland-waterway lift elevator or air; ... X) By landslide rockslide.","sources":[{"clause":"1(I)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-i"},{"clause":"1(II)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-ii"},{"clause":"1(III)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-iii"},{"clause":"1(IV)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-iv"},{"clause":"1(V)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-v"},{"clause":"1(VI)","heading":"By accidental external","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-vi"},{"clause":"1(VII)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-vii"},{"clause":"1(VIII)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-viii"},{"clause":"1(IX)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-ix"},{"clause":"1(X)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-1-x"}],"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. If the term is up to one year and no claim has been made, the insurer refunds proportional premium for the unexpired period; for terms over 12 months, it refunds premium for unexpired policy years whose risk coverage has not commenced.","display":"Proportional refund for unexpired period if term up to 1 year and no claim; for terms over 12 months, refund for unexpired years not yet incepted","note":"The clause also has special rules for total loss, total theft, cash loss and double insurance.","quote":"The policyholder can cancel the policy at any time during the term, by informing the insurer. ... the insurer will refund proportional premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period. In case the term of the policy is more than 12 months, the insurer will refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"3(V)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3-v"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes loss outside the geographical area and provides an optional extension to named countries, but the base geographical area itself is not stated in the extracted wording.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Package policy with Motor Own Damage and Motor Third Party"],"display":"Package policy: Motor Own Damage and Motor Third Party","note":"Motor Personal Accident applies if opted by the policyholder and mentioned in the policy schedule.","quote":"Product Name TWO WHEELER VEHICLE PACKAGE POLICY (TENURE 1, 2 AND 3 YEARS) ... Interests Insured • Motor Own Damage • Motor Third Party • Motor Personal Accident (if opted by you and as mentioned in your policy schedule)","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":44,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-customer-information-sheet"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value of the vehicle is the sum insured, fixed at the commencement of each policy period based on the manufacturer's listed selling price with depreciation. IDV is treated as market value for total loss, constructive total loss and cash loss claims, and CTL applies if retrieval or repair costs exceed 75% of IDV.","display":"IDV is the sum insured; 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. ... 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 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/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3"},{"clause":"4","heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-4"}],"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 is a discount on own damage premium: 20% after the preceding full claim-free year, 25% after 2 consecutive years, 35% after 3, 45% after 4 and 50% after 5. For long-term tenure 2 and 3 renewals without zero depreciation, incremental NCB slabs apply and maximum capping is 50%.","display":"20% to 50% own-damage premium discount for claim-free years; long-term renewal capping 50%","note":null,"quote":"No Claim Bonus, wherever applicable, will be as per the following table, ... No claim made or pending during the preceding full year of insurance | 20% ... No 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% ... No 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% ... No Claim Bonus for Tenure 2 and 3 Following slabs will be applicable as incremental NCB only for Renewal of Long term policy, provided renewal of policy is without Zero depreciation cover ... Maximum capping for NCB will be 50%","sources":[{"clause":"4","heading":"NO CLAIM BONUS","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-4-2"},{"clause":null,"heading":"No Claim Bonus for Tenure 1","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-no-claim-bonus-for-tenure-1"},{"clause":"Row 1","heading":"Dual policy with similar cover issued by the company","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-row-1"},{"clause":"Row 2","heading":"Dual policy with different Insurers","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-row-2"},{"clause":null,"heading":"No Claim Bonus for Tenure 1","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-no-claim-bonus-for-tenure-1-2"}],"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 applies under Section 1 for each and every event; the CIS states that a compulsory deductible of Rs 100 would be applied as mentioned on the policy schedule.","display":"Rs 100 as mentioned on policy schedule","note":null,"quote":"IMT. 22. COMPULSORY DEDUCTIBLE ... the insured shall bear under Section 1 of the policy in respect of each and every event ... Compulsory Deductible of Rs 100/- would be applied.","sources":[{"clause":"22","heading":null,"page":11,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-22"},{"clause":null,"heading":"UIN: <UIN> <ProductName>","page":44,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-uin-uin-productname"}],"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-stated","value":null,"display":null,"note":null,"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 the scale of compensation for death or bodily injury caused by violent accidental external and visible means, 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 the policy duration at the customer's discretion.","display":"Mandatory one-year owner-driver PA; up to ₹15 lakhs, extendable with policy duration","note":"The cover is subject to the owner-driver being the registered owner, the named insured and holding an effective driving licence.","quote":"SECTION Ill -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 Owner-Driver ... 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":null,"heading":"SECTION Ill -PERSONAL ACCIDENT COVER FOR","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-section-ill-personal-accident-cover-for"},{"clause":"3(III)(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3-iii-b"}],"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":["Garage Cash","NCB Protect","Return to Invoice","Zero Depreciation","Roadside Assistance","Emergency Medical Expenses","Motor Floater","Telematics","Battery Protect Cover","Driving Accessories Cover","Engine Protect Plus","Key Protect","Tyre and Wheel Rim Protect","Consumables Cover","IL Smart Assist","War Risk Cover"],"display":"Garage Cash, NCB Protect, Return to Invoice, Zero Depreciation, Roadside Assistance, Emergency Medical Expenses, Motor Floater, Telematics, Battery Protect, Driving Accessories, Engine Protect Plus, Key Protect, Tyre and Wheel Rim Protect, Consumables, IL Smart Assist, War Risk Cover","note":"Add-ons apply only if opted and mentioned in the policy schedule.","quote":"Garage Cash: You will receive a daily allowance ... NCB Protect: Your No Claim Bonus (NCB) eligibility remains protected ... Return to Invoice: Covers the gap ... Zero Depreciation: Covers the full cost ... Roadside Assistance: 24X7 on-road assistance ... Emergency Medical Expenses: Covers hospitalization expenses ... Motor Floater: One Policy for all your vehicles. ... Telematics: Pay as you use ... Battery Protect Cover: Covers the cost of battery repair or replacement ... Driving Accessories Cover: Covers the cost of repair & replacement ... Engine Protect Plus: Covers engine repair/replacement costs ... Key Protect: Covers the cost of replacing lost or stolen keys ... Tyre and Wheel Rim Protect: Covers the repair/replacement cost ... Consumables Cover: Covers cost for consumable items ... IL Smart Assist: Comprehensive list of services ... War Risk Cover: Covers accidental loss damage arising from war","sources":[{"clause":null,"heading":"Motor - Insured Declared Value (IDV) Scope","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20635#c-motor-insured-declared-value-idv-scope"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"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":"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 cover amount is based on the vehicle's Insured Declared Value. IDV is deemed the sum insured and is treated as market value throughout the policy period for Total Loss, Constructive Total Loss and Cash Loss claims.","display":"IDV basis, 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 ... 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/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-3"},{"clause":"4","heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20937#c-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Vehicle Package Policy - IRDAN115RP0015V05201415","pages":30,"fetched_at":"2026-10-20 02:35:41+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/two-wheeler-vehicle-package-policy8c0007ff45fd68ff8a0df0055fa6f941.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415/document/20372"},{"kind":"wording","label":"IL Smart Assist - 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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":"Two Wheeler Vehicle Package Policy - IRDAN115RP0015V05201415 (UIN IRDAN115RP0015V05201415), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/two-wheeler-vehicle-package-policy-irdan115rp0015v05201415-irdan115rp0015v05201415"}