{"uin":"IRDAN123RP0010V02100001","name":"Motor Trade - Internal Risk Only Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"general","category":"motor-commercial","category_name":"Commercial vehicle insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Motor Trade - Internal Risk Only Policy covers damage to insured vehicles on the insured's premises and public liability for accidental death, bodily injury or property damage on or about the premises. Add-on covers are not applicable for trade policies and the compulsory deductible is Rs.50 for twowheelers and Rs.500 for others.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:57:23.449717+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":null,"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 documents refer to the period of insurance or policy schedule, but do not print a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The insured must give notice as soon as possible with full particulars. Every letter, claim, writ, summons and/or process must be forwarded immediately on receipt, and notice of any impending prosecution, inquest or fatal inquiry must be given immediately.","display":"As soon as possible with full particulars; related letters and legal process immediately on receipt.","note":null,"quote":"In the event of any occurrence which may give rise to a claim under this Policy the insured shall as soon as possible give notice thereof to the Company with full particulars. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt. Notice shall also be given to the Company immediately the insured shall have knowledge of any impending prosecution inquest or fatal inquiry in connection with any occurrence as aforesaid.","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Registration Certificate of the Vehicle","Driving License of the Driver","Claim Form detailing the damage of the insured vehicle","Fitness","FIR","Un traced report","Fire brigade report","Post Mortem Report","Books of accounts","Repair / replacement bill","Accident details including the names of the injured person if applicable","Police Panchanama","Police charge sheet","MLC/AR (Medico Legal certificate / Accident Register)","MVI (Motor Vehicle Inspection Report)","Permit/Route Permit","Any other documents directly related to claim settlement"],"display":"RC, driving licence, claim form, fitness, FIR, repair bills and other OD/TP claim documents.","note":"CIS lists separate OD and TP claim document sets.","quote":"During the spot survey, the customer is expected to keep the following documents ready with him:- ... a) Registration Certificate of the Vehicle ... b) Driving License of the Driver\n2. List of claim Documents to be submitted by the insured: -\n1. Claim Form detailing the damage of the insured vehicle\n2. Driving license\n3. Fitness\n4. FIR\n5. Un traced report\n6. Fire brigade report\n7. Post Mortem Report\n8. Books of accounts\n9. Repair / replacement bill\n10. Any other documents directly related to claim settlement\n11. Accident details including the names of the injured person if applicable ... A. List of claim Documents to be submitted : - 1. Claim Form 2. Driving license 3. Fitness 4. FIR, Police Panchanama, Police charge sheet 5. Post Mortem Report 6. MLC/AR (Medico Legal certificate / Accident Register) 7. MVI (Motor Vehicle Inspection Report) 8. Repair / replacement bill 9. Permit/Route Permit 10. Any other documents directly related to claim settlement 11. Accident details including the names of the injured person","sources":[{"clause":null,"heading":"Details of OD Claims procedure (Processing)","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-details-of-od-claims-procedure-processing"},{"clause":"5(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-5-a"},{"clause":"5(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-5-b"},{"clause":null,"heading":"TAT (Turnaround time for settlement of claim)","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-tat-turnaround-time-for-settlement-of-claim"}],"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":"Initial survey within 24 hours from intimation, survey report within 15 days of allocation, and approval/rejection of claim With 7 days from receipt of the survey report with all relevant claim documents.","display":"Initial survey within 24 hours; survey report within 15 days; approval/rejection With 7 days from survey report with all relevant documents.","note":null,"quote":"Initial Survey | Within 24 hours from the time of intimation of claim to Chola MS ... Obtaining Survey report by Chola MS | Within 15 days of allocation ... Approval /Rejection of Claim after receiving first/addendum survey report | With 7 days from the date of receipt of Survey Report with all relevant claim documents.","sources":[{"clause":null,"heading":"TAT (Turnaround time for settlement of claim)","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-tat-turnaround-time-for-settlement-of-claim"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres by application of brakes or by punctures, cuts or bursts","flood typhoon hurricane volcanic eruption earthquake or other convulsion of nature","invasion the act of foreign enemies hostilities or warlike operations","civil war, riot strike mutiny rebellion revolution insurrection military or usurped power","damage to property caused directly or indirectly by fire or explosion","any consequence of burglary housebreaking or theft or any attempt thereat","damage to property sustained while it is being worked upon and directly resulting from such work","any defective workmanship","death injury or damage caused by or through any demolition or of structural alteration or addition to the premises or by or through the installation of any equipment","death injury or damage caused by or through or in connection with the use by the insured of power driven cranes elevators lifts or hoists other than car hoists having a lift not exceeding 6 feet or its equivalent","any liability which attached by virtue of an agreement but which would not have attached in the absence of such agreement","death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle by the insured or any person in the service of or acting on behalf of the insured","damage to any motor vehicle or its accessories caused by weather conditions","ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste","nuclear weapons material"],"display":"Loss of use/depreciation/wear and tear/breakdown; tyre punctures/cuts/bursts; natural catastrophe/war/riot; fire or explosion; burglary/theft; work on property; defective workmanship; demolition/structural works; cranes/lifts; contractual liability; driving off premises; weather damage; nuclear/radioactivity; nuclear weapons material.","note":null,"quote":"a) for loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages. ... b) for damage to tyres by application of brakes or by punctures, cuts or bursts. ... flood typhoon hurricane volcanic eruption earthquake or other convulsion of nature invasion the act of foreign enemies hostilities or warlike operations (whether war be declared or not) civil war, riot strike mutiny rebellion revolution insurrection military or usurped power ... b) damage to property caused directly or indirectly by fire or explosion ... c) any consequence of burglary housebreaking or theft or any attempt thereat ... d) damage to property sustained while it is being worked upon and directly resulting from such work ... e) any defective workmanship ... f) death injury or damage caused by or through any demolition or of structural alteration or addition to the premises or by or through the installation of any equipment ... g) death injury or damage caused by or through or in connection with the use by the insured of power driven cranes elevators lifts or hoists other than car hoists having a lift not exceeding 6 feet or its equivalent ... h) any liability which attached by virtue of an agreement but which would not have attached in the absence of such agreement ... i) death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle by the insured or any person in the service of or acting on behalf of the insured ... j) damage to any motor vehicle or its accessories caused by weather conditions ... ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... l) any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.","sources":[{"clause":"Section I(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-section-i-a"},{"clause":"Section I(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-section-i-b"},{"clause":"1(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-a-2"},{"clause":"1(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-b-2"},{"clause":"1(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-c"},{"clause":"1(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-d"},{"clause":"1(e)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-e"},{"clause":"1(f)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-f"},{"clause":"1(g)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-g"},{"clause":"1(h)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-h"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-i"},{"clause":"1(j)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-j"},{"clause":"1(k)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-k"},{"clause":"1(l)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-l"}],"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 send the grievance to the company's Grievance Redressal Officer/customer care by post, email, toll free number, or through a branch grievance cell. If not satisfied with those methods, contact GRO@cholams.murugappa.com before approaching the Insurance Ombudsman.","display":"First: Grievance Redressal Officer/customer care or branch grievance cell; then GRO@cholams.murugappa.com if not satisfied.","note":null,"quote":"You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address or call our Toll Free @1800 208 5544 or email to customercare@cholams.murugappa.com ... You may also approach the grievance cell at any of the company’s branches with the details of grievance. If You are not satisfied with the redressal of grievance through one of the above methods, You may contact the grievance officer at GRO@cholams.murugappa.com. ... If You are still not satisfied with the redressal of grievance through above methods, You may also approach the office of Insurance Ombudsman","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-our-grievance-redressal-officer"},{"clause":"3","heading":"Insurance Ombudsman","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-3"}],"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":["damage to any insured vehicle (including its accessories whilst thereon) the property of the insured or any member of the insured's family or household caused by accidental, external and visible means and occurring in or on the premises","Accidental death of or bodily injury to any person other than a person in the insured's service or a member of the insured's family or household","accidental damage to any insured vehicle (including its accessories whilst thereon) held in trust by or in the custody or control of the insured","other property not being property belonging to or held in trust by or in the custody or control of the insured occurring in on or about the premises through the negligence of the insured or any person in the service of or acting on behalf of the insured or by or through any defect"],"display":"Damage to insured vehicles on premises by accidental, external and visible means; public liability for accidental death/bodily injury and accidental property damage on or about the premises.","note":null,"quote":"the Company will indemnify the insured against damage to any insured vehicle (including its accessories whilst thereon) the property of the insured or any member of the insured's family or household caused by accidental, external and visible means and occurring in or on the premises. ... Accidental death of or bodily injury to any person other than a person in the insured's service or a member of the insured's family or household. ... a) any insured vehicle (including its accessories whilst thereon) held in trust by or in the custody or control of the insured. ... b) other property not being property belonging to or held in trust by or in the custody or control of the insured occurring in on or about the premises through the negligence of the insured or any person in the service of or acting on behalf of the insured or by or through any defect in","sources":[{"clause":"Section I","heading":"DAMAGE","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-section-i"},{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1"},{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-a"},{"clause":"1(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-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 insured may cancel at any time by informing the Company. On cancellation, the Company refunds proportionate premium for the unexpired policy period if no claim has been made during the policy period; Motor Third Party Liability cannot be cancelled except for double insurance or total loss.","display":"Proportionate refund for unexpired policy period if no claim; TP section cannot be cancelled except double insurance or total loss.","note":null,"quote":"The policy may be cancelled at any time by the insured for any reason by informing the Company. ... Refund proportionate premium for unexpired policy period, provided there is no claim (s) ... made during the policy period. ... However under no circumstances, the company can cancel the Motor Third Party Liability Section except in case of double insurance or Total Loss of the insured vehicle.","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-conditions"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The base cover is stated for the insured's premises or as per the policy schedule, but no geographic territory such as India or worldwide is printed for the base policy.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["comprehensive"],"display":"Comprehensive product","note":"The product is a Motor Trade internal risk policy, not a standard private car package policy.","quote":"This is a comprehensive product which offers insurance coverage to your vehicle).","sources":[{"clause":"Row 4","heading":"Interest Insured","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-row-4"}],"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":"Section II indemnifies the insured, subject to the Schedule limits, for legal liability for accidental death or bodily injury to any person other than the insured's employees or family/household, and for accidental damage to insured vehicles in the insured's trust/custody/control and other property on or about the premises through negligence or defect.","display":"Legal liability for accidental death/bodily injury and accidental property damage on or about the premises, subject to Schedule limits.","note":null,"quote":"Subject to the Limits of liability as laid down in the Schedule hereto the Company will indemnify the insured against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of ... Accidental death of or bodily injury to any person other than a person in the insured's service or a member of the insured's family or household. ... a) any insured vehicle (including its accessories whilst thereon) held in trust by or in the custody or control of the insured. ... b) other property not being property belonging to or held in trust by or in the custody or control of the insured occurring in on or about the premises through the negligence of the insured or any person in the service of or acting on behalf of the insured or by or through any defect in","sources":[{"clause":"Section I(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-section-i-b"},{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1"},{"clause":"1(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-a"},{"clause":"1(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-b"}],"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":"For Section I damage, the CIS states an indemnity basis with limits of liability as declared by the insured.","display":"Section I damage: indemnity basis, limits of liability as declared by Insured.","note":null,"quote":"Motor Insured Declared Value Scope | Section I – Damage Indemnity basis - Limits of liability as declared by Insured.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-s6"}],"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":"quote-verified","value":"Depreciation is excluded under Section I; the Company is not liable for loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages.","display":"Depreciation, wear and tear are excluded.","note":null,"quote":"a) for loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages.","sources":[{"clause":"Section I(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-section-i-a"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-stated","value":null,"display":null,"note":"The CIS mentions NCB representation and absence of claim under the previous policy, but no no-claim bonus discount rate or scale is printed.","quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"Compulsory deductible applies only for Section-I. For Trade Vehicles, the deductible is Rs.50/-for twowheelers and Rs.500/- for others.","display":"Section-I only: Rs.50/-for twowheelers and Rs.500/- for others.","note":null,"quote":"Compulsory deductible:- Compulsory Deductible is applicable only for Section-I of the Policy. A deductible is the amount that you have to pay per claim before we pay for the rest. The deductible for Trade Vehicles: - Rs.50/-for twowheelers and Rs.500/- for others.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-s6"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-stated","value":null,"display":null,"note":"The documents state a deductible/compulsory deductible, but do not state a voluntary deductible chosen for a lower premium.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-stated","value":null,"display":null,"note":"The provided base policy documents do not print the owner-driver personal accident cover amount or benefit details.","quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Yes. If repaired at network garages tied up with Chola MS PAN India, the insured need not pay repair amounts from pocket except depreciation, non-accident related repair and policy excess, and Chola MS pays the network garage directly.","display":"Yes, at Chola MS network garages tied up PAN India; claim amount paid directly to the network garage.","note":null,"quote":"Cashless: ... If the vehicle is repaired at the network garages with whom Chola MS had tied up PAN India, the insured need not pay the amount for repairs from his pocket excluding depreciation, non-accident related portion repair and policy excess as applicable. ... The insurance claim amount will be paid by Chola MS directly to the network garage.","sources":[{"clause":null,"heading":"Details of OD Claims procedure (Processing)","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-details-of-od-claims-procedure-processing"},{"clause":"5(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-5-b"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-6"}],"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":["loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres by application of brakes or by punctures, cuts or bursts","driver at the time of accident is not under the influence of drugs/alcohol and holds a valid driving license","Claims arising as a result of gross negligence","If Fraudulent means are adopted for settlement of claim","If the vehicle insured is used for Commercial purpose","If the insured /driver / user does not hold an effective driving license at the time of the accident and is disqualified from holding or obtaining such a license","If the vehicle is driven before the necessary repairs are effected","Cause of loss is not covered under the standard policy conditions","Mechanical failure / Wear & Tear / Rusted / Corrosions / accumulated / multiple scratches & damages / cosmetic loss / damages","death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle","damage to any motor vehicle or its accessories caused by weather conditions"],"display":"Wear and tear/breakdown, tyre damage, drugs/alcohol or no valid licence, gross negligence, fraud, commercial use, driving before repairs, uncovered causes, mechanical failure/rust/cosmetic losses, off-premises driving and weather damage.","note":null,"quote":"a) for loss of use, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages. ... b) for damage to tyres by application of brakes or by punctures, cuts or bursts. ... The driver at the time of accident is not under the influence of drugs/alcohol and holds a valid driving license. ... a) Claims arising as a result of gross negligence will be rejected. ... b) If Fraudulent means are adopted for settlement of claim. c) If the vehicle insured is used for Commercial purpose d) If the insured /driver / user does not hold an effective driving license at the time of the accident and is disqualified from holding or obtaining such a license. e) If the vehicle is driven before the necessary repairs are effected. Any extension of the damage or any further damage to the vehicle insured will be entirely at the insured's own risk. f) Cause of loss is not covered under the standard policy conditions. E.g. Mechanical failure / Wear & Tear / Rusted / Corrosions / accumulated / multiple scratches & damages / cosmetic loss / damages. ... i) death injury or damage resulting from the driving elsewhere than in or on the premises of any vehicle by the insured or any person in the service of or acting on behalf of the insured ... j) damage to any motor vehicle or its accessories caused by weather conditions","sources":[{"clause":"Section I(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-section-i-a"},{"clause":"Section I(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-section-i-b"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-5"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-i"},{"clause":"1(j)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759#c-1-j"}],"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":"Section I damage is on an indemnity basis with limits of liability as declared by the insured.","display":"Indemnity basis; limits of liability as declared by Insured.","note":null,"quote":"Section I – Damage Indemnity basis - Limits of liability as declared by Insured.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697#c-s6"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Trade - Internal Risk Only Policy.pdf","pages":18,"fetched_at":"2026-10-17 19:37:09+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Motor%20%20Trade%20-%20Internal%20Risk%20Only%20Policy.pdf/b9f737c8-e140-0b9d-413f-effbfc76db32","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4759"},{"kind":"prospectus","label":"Prospectus - Motor Trade - Internal Risk Only Policy.pdf","pages":3,"fetched_at":"2026-10-17 19:36:01+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus%20-%20Motor%20%20Trade%20-%20Internal%20Risk%20Only%20Policy.pdf/c3df17f4-cbee-9eae-f1b0-69b2537cdfe6","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4706"},{"kind":"cis","label":"CIS-Motor Trade-Internal risk only Package Policy.pdf","pages":7,"fetched_at":"2026-10-17 19:35:47+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Motor%20Trade-Internal%20risk%20only%20Package%20Policy.pdf/5b9fcda8-2986-e899-a627-4abd7afcc09a","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001/document/4697"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"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":"Motor Trade - Internal Risk Only Policy (UIN IRDAN123RP0010V02100001), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-internal-risk-only-policy-irdan123rp0010v02100001"}