{"uin":"IRDAN115RP0034V02201819","name":"Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies - IRDAN115RP0034V02201819","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819","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":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a fixed benefit motor personal accident cover for the owner-driver. It pays for accidental death or specified permanent disablement with a minimum sum insured of ` 15,00,000/- or a higher opted amount, and add-on covers are not applicable.","analysis":{"state":"machine","analysed_at":"2026-10-20 07:41:00.887482+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 describe a fixed benefit structure and a basic cover, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to policy terms up to one year and more than 12 months for cancellation refunds, and the CIS points to the current policy end date, but no fixed product policy term is stated.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The Company should be immediately notified in writing of an event giving rise or likely to give rise to a claim. A detailed written statement as per the claim form and other material particulars must be delivered within 30 days from the date the event came to the claimant's knowledge.","display":"Immediately in writing; detailed statement within 30 days of knowledge of the event","note":null,"quote":"Barring exceptional circumstances where a reasonable cause is shown and the Company is satisfied with such reasons, the Company should be immediately notified in writing of such event. ... within 30 days of the date on which the event shall have come to his/her knowledge, a detailed statement in writing as per the claim form, and any other material particular, relevant to the making of such claim.","sources":[{"clause":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-2-i-2"},{"clause":"2(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-2-ii-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Death: PA Claim form duly filled & signed by the nominee; Policy Copy; Death certificate; F.I.R / Police Final charge sheet / Court Final order if applicable; Spot and/or Inquest Panchnama; Post Mortem Report; Viscera Analysis Report / Chemical analysis report / Forensic Science Lab report if applicable; other case documents; AML Documents if claim amount is more than 1lakh; Cancel Cheque with NEFT Mandate form; any other document required by the Company or Company’s TPA","Permanent Total Disablement: PA Claim form duly filled & signed by Insured/ Claimant; Policy Copy; MLC OR F.I.R.OR PANCHNAMA; Disability Certificate; Treatment papers, X-rays films / laboratory test reports and other diagnostic reports; Medical report; Colour Photograph of the injured reflecting disability; AML Documents if claim amount> 1lakh; other case documents; Cancel Cheque with NEFT Mandate form; any other document required by the Company or Company’s TPA"],"display":"Death and permanent total disablement claim documents are listed separately in the claim documents clause","note":null,"quote":"i) In case of Death\na) PA Claim form duly filled & signed by the nominee\nb) Policy Copy\nc) Death certificate - Notarized/ Attested by a gazetted officer\nd) F.I.R - Notarized/ Attested by a gazetted officer Police Final charge sheet/ Court Final order - Notarized/ attested by a Gazetted Officer - if applicable - notarized/ Attested by a gazetted officer\ne) Spot and/or Inquest Panchnama - Notarized/ Attested by a gazetted officer\nf) Post Mortem Report - Notarized/ Attested by a gazetted officer\n• Viscera Analysis Report/ Chemical analysis report/ Forensic Science Lab report\n• If applicable - notarized/ Attested by gazetted officer]\ng) Other Document as per Case details - Copy of Treatment papers; if hospitalized, Website Links/ Newspaper cuttings, Other references\nh) If claim amount is more than 1lakh, AML Documents\n- Pan Card Copy, Residence Proof, 2 Passport size colour photos of claimant\ni) Cancel Cheque with NEFT Mandate form - duly filled in by the claimant and bank\nj) Any other document as required by the Company or Company’s TPA to investigate the Claim or Company’s obligation to make payment for it ... ii) In case of Permanent Total Disablement\na) PA Claim form duly filled & signed by Insured/ Claimant\nb) Policy Copy\nc) MLC OR F.I.R.OR PANCHNAMA- Notarised/ Attested by a gazetted officer\nd) Disability Certificate issued by Authorised civil surgeon- Original/Notarised/ Attested by a gazetted officer\n• Treatment papers, X-rays films / laboratory test reports and other diagnostic reports to support the claim and percentage of disability\ne) Medical report\nf) Colour Photograph of the injured reflecting disability\ng) If claim amount> 1lakh, AML Documents - Pan Card Copy, Residence Proof, 2 Passport size colour photos of claimant\nh) Other Document as per Case details - Copy of Treatment papers; if hospitalized, Website Links/ Newspaper cuttings, Other references\ni) Cancel Cheque with NEFT Mandate form - duly filled in by the claimant\nj) Any other document as required by the Company or Company’s TPA to investigate the Claim or Our obligation to make payment for","sources":[{"clause":"2(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-2-iii-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The wording says the claim will be paid after verification and documents are in place, but gives no promised decision or payment timeline.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a query or grievance, the insured may contact the respective branch office, call 1800-2666, or use the Grievance Redressal section on the company's website before approaching IRDAI or the Insurance Ombudsman.","display":"Branch office, 1800-2666, or Grievance Redressal on www.icicilombard.com","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free no.1800-2666 or may approach us at the sub section “Grievance Redressal” on our website www.icicilombard.com (Customer Support section). However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal","sources":[{"clause":null,"heading":"CHAPTER 5 - Grievance Clause","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-chapter-5-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":["bodily injury/ death sustained by the ownerdriver of the vehicle, in direct connection with the vehicle or whilst driving or mounting into/dismounting from the vehicle or whilst traveling in it as a co-driver","Death","Loss of two limbs or sight of both eyes or one limb and sight of one eye","Loss of one limb or sight of one eye","Permanent total disablement from injuries other than those named above"],"display":"Accidental bodily injury/death of the owner-driver connected with the vehicle, including death, specified limb or sight loss and permanent total disablement","note":null,"quote":"bodily injury/ death sustained by the ownerdriver of the vehicle, in direct connection with the vehicle or whilst driving or mounting into/dismounting from the vehicle or whilst traveling in it as a co-driver, caused by violent accidental external and visible means ... I. Death | XX | 100% ... II. Loss of two limbs or sight of both eyes or one limb and sight of one eye | XX | 100% ... III. Loss of one limb or sight of one eye | XX | 50% ... IV. Permanent total disablement from injuries other than those named above, if such Injury shall as a direct consequence thereof, permanently, and totally, disable the Insured Person from engaging in any employmentor occupation of any description whatsoever | XX | 100%","sources":[{"clause":null,"heading":"CHAPTER 1 - STANDARD FORM FOR COMPULSORY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-chapter-1-standard-form-for-compulsory"},{"clause":"1(II)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-1-ii"},{"clause":"1(III)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-1-iii"},{"clause":"1(IV)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-1-iv"},{"clause":"1(V)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-1-v"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Loss participation is not applicable.","display":"Not applicable","note":null,"quote":"8 | Loss Participation: Not Applicable | Not Applicable","sources":[{"clause":"Annexure B","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-annexure-b"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder can cancel at any time by informing the insurer. If the policy term is up to one year and no claim has been made, the insurer refunds proportional premium for the unexpired policy period; for terms over 12 months, it refunds premium for the unexpired policy period for policy years whose risk coverage has not commenced.","display":"Proportional refund for unexpired period if term is up to one year and no claim; for term over 12 months, refund for unexpired policy years where risk has not commenced","note":null,"quote":"The policyholder can cancel the policy at any time during the term, by informing the insurer. In case the Policyholder cancels the policy, he/ she is not required to give reasons for cancellation. In such case of cancelation, the insurer will refund proportional premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period. In case the term of the policy is more than 12 months, the insurer will refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"2(I)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-2-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The cover excludes bodily injury or death sustained by the owner-driver outside the Indian Territory, so the stated territory is Indian Territory only.","display":"Indian Territory only","note":null,"quote":"3. Any bodily injury/ death sustained by the owner-driver of the vehicle outside the Indian Territory;","sources":[{"clause":"Annexure B","heading":null,"page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050#c-annexure-b"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies - IRDAN115RP0034V02201819","pages":8,"fetched_at":"2026-10-20 03:03:39+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/compulsory-personal-accident-owner-driver-policy-wording8c0007ff45fd68ff8a0df00560488152.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21050"},{"kind":"prospectus","label":"Compulsory Personal Accident Owner Driver Policy","pages":4,"fetched_at":"2026-10-20 02:24:57+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-scpa8c0007ff45fd68ff8a0df0055f83c3f1.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/20219"},{"kind":"prospectus","label":"Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies - IRDAN115RP0034V02201819","pages":4,"fetched_at":"2026-10-20 03:12:40+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/sales-literature---compulsory-personal-accident-(owner-driver).pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/21315"},{"kind":"cis","label":"Compulsory Personal Accident Owner Driver – Policy Wording CIS","pages":4,"fetched_at":"2026-10-20 01:56:15+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/compulsory-personal-accident-(owner-driver)-under-motor-insurance-policies-cis.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/19850"},{"kind":"premium","label":"Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies - IRDAN115RP0034V02201819","pages":null,"fetched_at":"2026-10-20 02:34:47+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/compulsory-personal-accident-premium-calculator.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/19760"},{"kind":"proposal","label":"Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies - IRDAN115RP0034V02201819","pages":null,"fetched_at":"2026-10-20 02:36:46+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/compulsory-personal-accident-(owner-driver)-proposal-form.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819/document/19764"}],"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":"Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies - IRDAN115RP0034V02201819 (UIN IRDAN115RP0034V02201819), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/compulsory-personal-accident-owner-driver-under-motor-insurance-policies-irdan11-irdan115rp0034v02201819"}