{"uin":"IRDAN115RP0017V01200102","name":"Smart Saver - Private Car Package Policy - IRDAN115RP0017V01200102/A0048V01202223","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a private car package policy covering motor own damage, motor third party and personal accident if opted. Own damage is based on IDV, repairs can be cashless at network garages, and claims are decided within 7 days of receipt of the survey report or assessment sheet.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:40:21.478624+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list add-on covers and add-on plan options, but do not state named plan variants for the base private car package policy.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy period is stated only as the start and end date/hour specified in the schedule.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the Company immediately on accidental loss or damage. Theft or criminal act must also be reported immediately to the police.","display":"Immediately; theft or criminal act also requires immediate notice to the police","note":"Delayed intimation or documents may be condoned after the insured gives reasons and the insurer analyses them.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police","sources":[{"clause":"3(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-3-i"}],"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 related documents along with claim form","FIR, only in case of third-party property damage/bodily injury, personal accident of owner-driver or co-passenger, theft, malicious damage, key loss, or a major accident","required documents listed at https://eclaim.icicilombard.com/mobilefront/#/home"],"display":"Claim form and claim-related documents; FIR for listed cases; required documents as per the claim portal","note":null,"quote":"The customer shall submit all the claim related documents along with claim form at the time of claim intimation. ... File an FIR: Only in case of third-party property damage/bodily injury, personal accident of owner-driver or co-passenger, theft, malicious damage, key loss, or a major accident. ... For list of required documents, please visit : https://eclaim.icicilombard.com/mobilefront/#/home","sources":[{"clause":null,"heading":"CHAPTER 6 - Claim Procedure","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#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. Claim will be decided within 7 days of receipt of the survey report or Assessment Sheet.","display":"Survey report within 15 days; claim decision within 7 days of survey report/Assessment Sheet","note":null,"quote":"Assessment sheet /Survey report will be furnished within 15 days of assessment/ survey.\n2. Claim will be decided within 7 days of receipt of the survey report/ Assessment Sheet, as applicable.","sources":[{"clause":null,"heading":"CHAPTER 6 - Claim Procedure","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the respective branch office, call 1800-2666, or use the Grievance Redressal subsection on the company website. If the resolution is not satisfactory, the policy directs the insured to IRDAI/Bima Bharosa/IGCC and then Insurance Ombudsman.","display":"Branch office, 1800-2666, or Grievance Redressal on www.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 - Grievances","page":40,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-chapter-9-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","Whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning; burglary/housebreaking/theft; riot/strike; earthquake; flood and storms; accident; 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","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-1"}],"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 policy period; for terms over 12 months it refunds premium for unexpired policy years where risk has not commenced.","display":"Proportional refund for unexpired period if term up to one year and no claims; for over 12 months, refund for unexpired years where risk has not commenced","note":"The insurer can cancel only for established fraud with minimum 7 days' notice to a retail policyholder; statutory Motor Third Party Liability or other compulsory insurance cannot be cancelled except for double insurance or total loss/Cash loss.","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(III)(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-3-iii-a-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes losses outside the geographical area and contains an endorsement to extend the geographical area, but the base geographical area itself is not printed except by reference to the schedule.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["PRIVATE CAR PACKAGE POLICY","Motor Own Damage","Motor Third Party","Motor Personal Accident (if opted by you and as mentioned in your policy schedule)"],"display":"Private car package policy with Motor Own Damage, Motor Third Party and Motor Personal Accident if opted","note":null,"quote":"1 | Product Name PRIVATE CAR PACKAGE POLICY | Policy Schedule ... Interests Insured • Motor Own Damage • Motor Third Party • Motor Personal Accident (if opted by you and as mentioned in your policy schedule)","sources":[{"clause":"Row 1","heading":"Product Name PRIVATE CAR PACKAGE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20528#c-row-1"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability arising from an accident involving use of the vehicle for death or bodily injury to persons and damage to property other than property belonging to, held in trust for, or in the custody or control of the insured. The CIS states the Motor Third Party sum insured is as per the MV Act.","display":"Legal liability for death/bodily injury to persons and damage to third-party property; Motor Third Party sum insured as per the MV Act","note":"The wording says third-party liability is subject to limits laid down in the schedule.","quote":"the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect of :- ... a) Death of or bodily injury to any person including occupants carried in the vehicle ... b) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... Motor Third party – Your Sum Insured is as per the MV Act","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-1-2"},{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-1-a"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-1-b"},{"clause":"Row 1","heading":"Product Name PRIVATE CAR PACKAGE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20528#c-row-1"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value (IDV) is the sum insured, fixed at the start of each policy period based on the manufacturer's listed selling price of the vehicle brand/model and accessories, adjusted by the depreciation grid. It is treated as Market Value during the policy period for Total Loss, Constructive Total Loss and Cash Loss claims; CTL applies if retrieval and repair costs exceed 75% of IDV.","display":"IDV is the sum insured; based on manufacturer’s listed selling price with depreciation; 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 ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/ Constructive Total Loss (CTL)/Cash Loss claims. The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":"3","heading":"SUM INSURED, INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-3"},{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-1-a-2"}],"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 discount on own damage premium is 20% after the preceding full year with no claim made or pending, 25% after 2 consecutive years, 35% after 3 consecutive years, 45% after 4 consecutive years, and 50% after 5 consecutive years.","display":"20% to 50% discount on own-damage premium for claim-free years","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%","sources":[{"clause":"4","heading":"NO CLAIM BONUS","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-4"},{"clause":null,"heading":"3. IMT. 3. TRANSFER OF INTEREST","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-3-imt-3-transfer-of-interest"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"The compulsory deductible depends on engine size or KW rating: ₹1000 for private cars and three-wheelers with engines up to 1500 cc or EVs under 65 KW, and ₹2000 for private cars and three-wheelers with engines over 1500 cc or EVs above 65 KW.","display":"₹1000 up to 1500 cc or EV under 65 KW; ₹2000 over 1500 cc or EV above 65 KW","note":"The policy wording also says the deductible is as stated in the schedule.","quote":"Compulsory Deductible: Your compulsory deductible, listed in your policy schedule, depends on your vehicle's engine size or kilowatt (KW) rating: • ₹1000 for private cars and three-wheelers with engines up to 1500 cc or EVs under 65 KW. • ₹2000 for private cars and three-wheelers with engines over 1500 cc or EVs above 65 KW.","sources":[{"clause":"Annexure B","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20528#c-annexure-b-2"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible is optional. If chosen, the amount is shown in the policy schedule; the CIS lists ₹ 2500, ₹ 5000, ₹ 7500 and ₹ 15000 options with own-damage premium discounts.","display":"Optional voluntary deductible: ₹ 2500, ₹ 5000, ₹ 7500 or ₹ 15000","note":"The actual deductible chosen is as shown in the policy schedule.","quote":"Voluntary Deductible: If you’ve chosen a voluntary deductible, the amount is shown in your policy schedule. Please check the table in your policy for the details: VOLUNTARY DEDUCTIBLE DISCOUNT Amount % Four-Wheeler - Own Discount Up Damage Premium to ₹ 2500/- 20% ₹ 750/- ₹ 5000/- 25% ₹ 1500/- ₹ 7500/- 30% ₹ 2000/- ₹ 15000/- 35% ₹ 2500/-","sources":[{"clause":"Annexure B","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20528#c-annexure-b-2"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The owner-driver personal accident cover pays compensation for accidental bodily injury or death connected with the insured vehicle, with 100% for death, loss of two limbs/sight of two eyes/one limb and one eye, and permanent total disablement, and 50% for loss of one limb or sight of one eye. Total liability is ₹15 lakhs in any one period of insurance; cover is subject to the owner-driver being the registered owner, named insured and holding an effective driving licence, and is mandatory for one year.","display":"Mandatory one-year owner-driver PA cover up to ₹15 lakhs","note":null,"quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the ownerdriver of the vehicle ... (I) Death | 100% ... (iii) Loss of one limb or sight of one eye | 50% ... the total liability of the insurer shall not in the aggregate exceed the sum of ` 15 lakhs during any one period of insurance. ... The owner-driver is the registered owner of the vehicle insured herein;\nii) The owner-driver is the insured named in this policy.\niii) The owner-driver holds an effective driving license ... The personal accident cover for owner driver is mandatory for a period of one year","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-section-iii"},{"clause":"Section III(III)(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-section-iii-iii-b"},{"clause":"Section III(III)(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-section-iii-iii-a-2"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Zero Depreciation","Consumables","Garage Cash","NCB Protect","Return to Invoice","Engine Protect Plus","Roadside Assistance","Key Protect","Loss of personal belonging","Tyre Protect","EMI Cover","EME","Motor Floater","Telematics","Battery Protect","Smart Saver","Smart Saver Plus","IL Smart Assist","War Risk Cover"],"display":"Zero Depreciation, Consumables, Garage Cash, NCB Protect, Return to Invoice, Engine Protect Plus, Roadside Assistance, Key Protect, Loss of personal belonging, Tyre Protect, EMI Cover, EME, Motor Floater, Telematics, Battery Protect, Smart Saver, Smart Saver Plus, IL Smart Assist and War Risk Cover","note":"Add-ons apply only if opted and shown in the policy schedule.","quote":"Zero Depreciation: Covers the full cost of applicable parts without depreciation during repairs. ... Consumables: Covers cost for consumable items e.g. nut/bolt/screw etc. in repairs. ... Garage Cash: You will receive a daily allowance ... NCB Protect: Your No Claim Bonus (NCB) eligibility remains protected ... Return to Invoice: Covers the gap ... Engine Protect Plus: Covers engine repair/replacement costs ... Roadside Assistance: 24X7 on-road assistance ... Key Protect: Covers the cost of replacing lost or stolen keys ... Loss of personal belonging : Reimbursement for personal belongings ... Tyre Protect: Covers the repair/replacement cost of damaged tires. ... EMI Cover: Covers monthly EMI payments if vehicle is under repair. ... EME: Covers hospitalization expenses ... Motor Floater: One Policy for all your vehicles. ... Telematics: Pay as you use - coverage is based on the number of kilometres you choose. ... Battery Protect: Covers the cost of battery repair or replacement ... Smart Saver: Offers premium discounts based on opted reduction commitment max up to Rs. 5000. ... Smart Saver Plus: Assured repair time ... IL Smart Assist: Comprehensive list of services ... War Risk Cover: Covers accidental loss damage arising from war","sources":[{"clause":"Row 1","heading":"Product Name PRIVATE CAR PACKAGE POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20528#c-row-1"}],"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":"quote-verified","value":["outside the geographical area","contractual liability","used otherwise than in accordance with the ‘Limitations as to Use'","driven by or in the charge of a person other than a Driver as stated in the Driver’s Clause","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","driver not holding an effective driving license or disqualified","under the influence of intoxicating liquor or drugs","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Main motor exclusions include outside territory, contractual liability, misuse, unlicensed/disqualified driver, drunk/drugged driving, racing/hire/goods use, wear and tear/breakdown, tyre-only damage, nuclear/radiation and war.","note":null,"quote":"The Company shall not be liable under this Policy in respect of ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... The Policy covers use of the vehicle for any purpose other than:\nHire 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. ... 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. ... a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages;\nb) Damage to tyres and tubes unless the vehicle is damaged at the same time ... under the influence of intoxicating liquor or drugs","sources":[{"clause":"1","heading":"GENERAL EXCEPTIONS (Applicable to all Sections of","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-1-3"},{"clause":null,"heading":"CHAPTER 4 - Limitations as to Use","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-chapter-4-limitations-as-to-use"},{"clause":null,"heading":"CHAPTER 5 - Driver's Clause","page":19,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-chapter-5-driver-s-clause"},{"clause":"1","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-1"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured's Declared Value (IDV). It is fixed at commencement of each policy period from the manufacturer's listed selling price of the vehicle brand/model and accessories, adjusted by the depreciation grid, and is treated as Market Value for TL/CTL/Cash Loss claims.","display":"IDV, treated as Market Value for TL/CTL/Cash Loss","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period ... 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/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-3"},{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905#c-1-a-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Smart Saver - Private Car Package Policy - IRDAN115RP0017V01200102/A0048V01202223","pages":32,"fetched_at":"2026-10-20 02:34:31+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/private-car-package-policy8c0007ff45fd68ff8a0df0055fa6f8b9.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20366"},{"kind":"wording","label":"Smart Saver Plus - Private Car package policy - IRDAN115RP0017V01200102/A0002V01202425","pages":32,"fetched_at":"2026-10-20 02:40:20+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/bundled-private-car-policy8c0007ff45fd68ff8a0df0055fa70186.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20448"},{"kind":"wording","label":"IL Smart Assist - Private Car Package Policy - IRDAN115RP0017V01200102/A0097V01202526","pages":45,"fetched_at":"2026-10-20 02:49:29+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/private-car-package-policy-wording8c0007ff45fd68ff8a0df0055fb81603.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20688"},{"kind":"wording","label":"War Risk Cover - Private Car Package Policy - IRDAN115RP0017V01200102/A0130V01202526","pages":46,"fetched_at":"2026-10-20 02:52:54+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/private-car-package-policy-wording8c0007ff45fd68ff8a0df0055fd15a3e.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20773"},{"kind":"wording","label":"Loss of Personal Belongings - Private Car Package Policy - IRDAN115RP0017V01200102/A0021V02201213","pages":46,"fetched_at":"2026-10-20 02:58:29+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/private-car-package-policy-wording8c0007ff45fd68ff8a0df0056022fb85.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20905"},{"kind":"wording","label":"Return to Invoice - Private Car package policy - IRDAN115RP0017V01200102/A0329V02200910","pages":46,"fetched_at":"2026-10-20 03:02:07+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/private-car-package-pw.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/21009"},{"kind":"wording","label":"EMI Protect (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:35:27+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN115RP0017V01200102A0001V01202021_GEN3982.pdf/44c59feb-2ffc-8e07-95fc-5e62b3032e1c?version=1.1&t=1668236106156&download=true","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/26778"},{"kind":"prospectus","label":"Smart Saver - Private Car Package Policy - IRDAN115RP0017V01200102/A0048V01202223","pages":9,"fetched_at":"2026-10-20 02:09:52+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature-pvt-1-1.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20009"},{"kind":"prospectus","label":"IL Smart Assist - Private Car Package Policy","pages":16,"fetched_at":"2026-10-20 02:42:39+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus---private-car-package-policy.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20498"},{"kind":"prospectus","label":"IL Smart Assist - Private Car Package Policy - IRDAN115RP0017V01200102/A0097V01202526","pages":14,"fetched_at":"2026-10-20 02:44:39+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature---private-car-package-policy8c0007ff45fd68ff8a0df0055fb81cb2.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20556"},{"kind":"prospectus","label":"IL Smart Assist - Private Car Package Policy - IRDAN115RP0017V01200102/A0097V01202526","pages":14,"fetched_at":"2026-10-20 02:46:57+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus---private-car-package-policy8c0007ff45fd68ff8a0df0055fb82101.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20625"},{"kind":"prospectus","label":"War Risk Cover - Private Car Package Policy","pages":3,"fetched_at":"2026-10-20 02:51:31+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-private-car-package-policy.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20730"},{"kind":"prospectus","label":"War Risk Cover - Private Car Package Policy - IRDAN115RP0017V01200102/A0130V01202526","pages":3,"fetched_at":"2026-10-20 02:53:13+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature-private-car-package-policy8c0007ff45fd68ff8a0df0055fd2060c.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20776"},{"kind":"prospectus","label":"Loss of Personal Belongings - 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IRDAN115RP0017V01200102/A0097V03202526","pages":6,"fetched_at":"2026-10-20 02:56:51+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/private-car-package-policy-cis8c0007ff45fd68ff8a0df00560489c0b.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/20854"},{"kind":"premium","label":"Smart Saver - Private Car Package Policy - IRDAN115RP0017V01200102/A0048V01202223","pages":null,"fetched_at":"2026-10-20 01:56:31+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/rate-chart---smart-saver-addon1.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102/document/19605"}],"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":"Smart Saver - Private Car Package Policy - IRDAN115RP0017V01200102/A0048V01202223 (UIN IRDAN115RP0017V01200102), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/smart-saver-private-car-package-policy-irdan115rp0017v01200102-a0048v01202223-irdan115rp0017v01200102"}