{"uin":"IRDAN123RP0018V01200203","name":"Motor Trade - Road Transit Risks Only Liability Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203","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":"This is a motor trade road transit liability policy that covers third-party liability for accidents arising out of use of the motor vehicle anywhere in India. It covers death or bodily injury required by the Motor Vehicles Act and third-party property damage up to the schedule limit, with cancellation allowed only for double insurance or total loss.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:58:12.581112+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":"No named plans or variants are stated.","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 the period of insurance but does not state its length.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing immediately upon the occurrence of any accident and in the event of any claim. Claim letters, writs, summons or process must be forwarded immediately on receipt, and notice must also be given immediately on knowledge of any impending prosecution, inquest or fatal inquiry.","display":"Immediately upon accident or claim; claim papers immediately on receipt","note":null,"quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accident and in the event of any claim. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately the insured shall have knowledge of any impending Prosecution Inquest or Fatal Inquiry in respect of any accident which may give rise to a claim under this Policy.","sources":[{"clause":null,"heading":"CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#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":["Every letter claim writ summons and/or process"],"display":"Every letter claim writ summons and/or process","note":null,"quote":"Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the insured.","sources":[{"clause":null,"heading":"CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-conditions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["being used otherwise than in accordance with the „Limitations as to Use‟","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","any claim arising out of any contractual liability","death arising out of and in the course of employment","death or bodily injury to any person being carried in or upon or entering or mounting or alighting from the Motor Vehicle","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material"],"display":"Use outside limitations; unauthorised driver; contractual liability; employment death or injury except Motor Vehicles Act requirements; passenger death or injury except as stated; war risks; nuclear weapons material","note":null,"quote":"a) being used otherwise than in accordance with the „Limitations as to Use‟ or ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... 2. The Company shall not be liable in respect of any claim arising out of any contractual liability. ... Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death arising out of and in the course of employment ... Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the Motor Vehicle at the time of the occurrence of the event out of which any claim arises. ... The Company shall not be liable in respect of any liability directly or indirectly or proximately or remotely occasioned by contributed by or traceable to or arising out of or in connection with War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... 6. The Company shall not be liable in respect of any liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-5-b"}],"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":"Send the grievance to the insurer's Grievance Redressal Officer in writing by post or email, call the toll-free number, email customer care, or approach the grievance cell at a company branch. If not satisfied through those methods, contact the grievance officer at GRO@cholams.murugappa.com before escalation.","display":"Grievance Redressal Officer or branch grievance cell first; then grievance officer at GRO@cholams.murugappa.com","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.","sources":[{"clause":null,"heading":"MECHANISM FOR COMPLAINTS / GRIEVANCE REDRESSAL","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-mechanism-for-complaints-grievance-redressal"}],"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":["accident caused by or arising out of the use of the Motor Vehicle anywhere in India","Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act","Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule","all costs and expenses incurred with its written consent"],"display":"Third-party death or bodily injury and third-party property damage arising from use of the motor vehicle anywhere in India, plus written-consent costs and expenses","note":null,"quote":"the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of\ni) Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.\nii) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule. ... The Company will also pay all costs and expenses incurred with its written consent.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-2"}],"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 policy cannot be cancelled except in case of double insurance or total loss. For double insurance with no claim, the Chola MS policy commencing later gets 100% refund; if the Chola MS policy commenced earlier and is cancelled, premium is refunded proportionately for the unexpired policy period. In total loss, the insurer can cancel after requiring cancellation of road registration of the wreck or evidence of statutory third-party liability insurance for the wreck effective from the date of damage.","display":"Cancellation only for double insurance or total loss; double insurance refunds may be 100% or proportionate for unexpired period","note":"Cancellation wording in the policy states that cancellation is not allowed except for double insurance or total loss; the prospectus states the refund table more clearly.","quote":"In the event of cancellation due to double insurance, the refund of premium will be as follows provided there is no claim:-\n1. If double insurance (both policies) is with Chola MS 100% refund in the policy commencing later (Risk start date (RSD) is later) –\n• 100% refund under Chola MS policy if policy is commencing later (RSD is later)\n2. If double insurance where one policy is with Chola MS -\n• 100% refund under Chola MS policy if policy is commencing later (RSD is later)\n• If Chola MS policy is commencing earlier (RSD) and is requested to be cancelled, premium will be refunded proportionately for the unexpired policy period ... In the event of Total Loss, the insurer can cancel the Policy after requiring the Policyholder to either cancel the road registration of the wreck and submit documentary evidence in original thereof or alternatively evidence in original a statutory Motor Third Party liability insurance policy covering the wreck effective the date of damage.","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4715#c-5-a-2"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4715#c-5-b-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The cover applies anywhere in India.","display":"Anywhere in India","note":null,"quote":"accident caused by or arising out of the use of the Motor Vehicle anywhere in India","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-1"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Liability to Third Party only"],"display":"Liability to Third Party only","note":null,"quote":"Policy will provide cover for Liability to Third Party only.","sources":[{"clause":null,"heading":"Prospectus - Motor Trade - Road Transit Risks Only Liability Policy","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4715#c-prospectus-motor-trade-road-transit-risks-only-l"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies legal liability for death of or bodily injury to any person so far as necessary to meet the Motor Vehicles Act, and for damage to third-party property up to the limit specified in the schedule.","display":"Death or bodily injury as required by the Motor Vehicles Act; third-party property damage up to schedule limit","note":"The wording does not state a rupee limit for property damage in the extracted clauses; it points to the schedule.","quote":"the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of\ni) Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.\nii) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-1"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"not-applicable","value":null,"display":null,"note":"This is a third-party liability-only policy and does not insure the vehicle's own damage, theft or total loss on an IDV basis.","quote":null,"sources":[],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"not-applicable","value":null,"display":null,"note":"This is a third-party liability-only policy, so depreciation on replaced own-damage parts does not apply.","quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-applicable","value":null,"display":null,"note":"No-claim bonus is an own-damage premium discount; this is a third-party liability-only policy.","quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-applicable","value":null,"display":null,"note":"A compulsory deductible applies to own-damage claims; this policy covers liability to third parties only.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"not-applicable","value":null,"display":null,"note":"This is a third-party liability-only policy, not an own-damage cover where a voluntary deductible for repairs would apply.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The wording refers to Personal Accident Cover for the owner-driver in lease and hypothecation endorsements and says the insured named in the policy will continue to be deemed as the owner-driver. The benefit amount is not stated in the extracted clauses.","display":"Owner-driver PA cover is referred to, but benefit amount not stated","note":"The cited text appears in the lease and hypothecation endorsements; it does not state the compulsory PA sum insured or benefits.","quote":"It is further declared and agreed that for the purpose of the Personal Accident Cover for the owner-driver granted under this policy, the insured named in the policy will continue to be deemed as the owner-driver subject to compliance of provisions of the policy relating to this cover.","sources":[{"clause":null,"heading":"IMT.6. LEASE AGREEMENT","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-imt-6-lease-agreement"},{"clause":null,"heading":"IMT.7. Vehicles subject to Hypothecation Agreement","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-imt-7-vehicles-subject-to-hypothecation-agreemen"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["IMT 17. PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND CONDUCTORS","IMT. 28. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER","IMT.32. ACCIDENTS TO SOLDIERS /SAILORS/ AIRMEN EMPLOYED AS DRIVERS","IMT 37 Legal Liability to Non-Fare Paying Passengers other than Statutory Liability except the Fatal Accidents Act, 1855","IMT. 38. Legal Liability to Fare paying Passengers excluding liability for accidents to employees of the Insured arising out of and in the course of their employment","IMT.46. Legal Liability to passengers excluding liability for accidents to employees of the Insured arising out of and in course of their employment","IMT.56. Trailers (Road Transit Only)","IMT.58. Loan or Hire of Motor Cars, Motorised Two wheelers, Motor vehicles to Customers by Motor Dealers","IMT. 59. Private use of vehicle by Member/Director/Employee of the insured","IMT.60. Demonstration - Driving Extension","IMT.61. Tuition - Driving Extension"],"display":"Endorsements include paid driver PA, paid driver legal liability, soldier/sailor/airman driver liability, passenger legal liability, trailers, loan or hire to customers, private use, demonstration and tuition driving extensions","note":"Several endorsements state they apply in consideration of an additional premium.","quote":"IMT 17. PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND CONDUCTORS: ... IMT. 28. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER ... IMT.32. ACCIDENTS TO SOLDIERS /SAILORS/ AIRMEN EMPLOYED AS DRIVERS ... IMT 37 Legal Liability to Non-Fare Paying Passengers other than Statutory Liability except the Fatal Accidents Act, 1855 ... IMT. 38. Legal Liability to Fare paying Passengers excluding liability for accidents to employees of the Insured arising out of and in the course of their employment ... IMT.46. Legal Liability to passengers excluding liability for accidents to employees of the Insured arising out of and in course of their employment ... IMT.56. Trailers (Road Transit Only) ... IMT.58. Loan or Hire of Motor Cars, Motorised Two wheelers, Motor vehicles to Customers by Motor Dealers ... IMT. 59. Private use of vehicle by Member/Director/Employee of the insured ... IMT.60. Demonstration - Driving Extension ... IMT.61. Tuition - Driving Extension","sources":[{"clause":null,"heading":"IMT.13. USE OF VEHICLE WITHIN INSURED’S OWN PREMISES","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-imt-13-use-of-vehicle-within-insureds-own-premis"},{"clause":null,"heading":"IMT. 28. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-imt-28-legal-liability-to-paid-driver-and-or-con"},{"clause":null,"heading":"IMT.32. ACCIDENTS TO SOLDIERS /SAILORS/ AIRMEN EMPLOYED AS DRIVERS","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-imt-32-accidents-to-soldiers-sailors-airmen-empl"},{"clause":"Row 2(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-row-2-b-2"},{"clause":null,"heading":"IMT.56. Trailers (Road Transit Only)","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-imt-56-trailers-road-transit-only"},{"clause":null,"heading":"IMT.57. Motorised Two Wheelers (Motor Trade Only)","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-imt-57-motorised-two-wheelers-motor-trade-only"},{"clause":null,"heading":"IMT. 59. Private use of vehicle by Member/Director/Employee of the insured","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-imt-59-private-use-of-vehicle-by-member-director"},{"clause":null,"heading":"IMT.60. Demonstration - Driving Extension","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-imt-60-demonstration-driving-extension"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-applicable","value":null,"display":null,"note":"This is a third-party liability-only policy, not an own-damage repair policy with cashless garage repairs.","quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["being used otherwise than in accordance with the „Limitations as to Use‟","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","any claim arising out of any contractual liability","death arising out of and in the course of employment","death or bodily injury to any person being carried in or upon or entering or mounting or alighting from the Motor Vehicle","War, Invasion, the Act of foreign enemies, hostilities or warlike operations","liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material"],"display":"Use outside limitations; unauthorised driver; contractual liability; employment death or injury except Motor Vehicles Act requirements; passenger death or injury except as stated; war risks; nuclear weapons material","note":null,"quote":"a) being used otherwise than in accordance with the „Limitations as to Use‟ or ... b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... 2. The Company shall not be liable in respect of any claim arising out of any contractual liability. ... Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death arising out of and in the course of employment ... Except so far as is necessary to meet the requirements of the Motor Vehicles Act, the Company shall not be liable in respect of death or bodily injury to any person (other than a passenger carried by reason of or in pursuance of a contract of employment) being carried in or upon or entering or mounting or alighting from the Motor Vehicle at the time of the occurrence of the event out of which any claim arises. ... The Company shall not be liable in respect of any liability directly or indirectly or proximately or remotely occasioned by contributed by or traceable to or arising out of or in connection with War, Invasion, the Act of foreign enemies, hostilities or warlike operations ... 6. The Company shall not be liable in respect of any liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-5-b"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The liability cover is subject to the limit of liability in the schedule. Death or bodily injury is covered so far as necessary to meet the requirements of the Motor Vehicles Act, and third-party property damage is covered up to the limit specified in the schedule.","display":"Liability limit as per schedule; bodily injury/death as required by Motor Vehicles Act; property damage up to schedule limit","note":"The extracted wording does not state the actual rupee schedule limit.","quote":"Subject to the Limit of liability as laid down in the schedule hereto, the Company will indemnify the insured in the event of accident caused by or arising out of the use of the Motor Vehicle anywhere in India against all sums including claimant's costs and expenses which the insured shall become legally liable to pay in respect of\ni) Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicles Act.\nii) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured up to the limit specified in the schedule.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"18 Policy wording-Motor Trade-Transit liabiliry policy.pdf","pages":13,"fetched_at":"2026-10-17 19:37:21+00","source_url":"https://www.cholainsurance.com/documents/20121/o/18%20Policy%20wording-Motor%20Trade-Transit%20liabiliry%20policy.pdf/fc6842f3-26fa-15fd-cd2e-0268fa075c2b","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4768"},{"kind":"prospectus","label":"Prospectus - Motor Trade - Road Transit Risks Only Liability Policy.pdf","pages":2,"fetched_at":"2026-10-17 19:36:13+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus%20-%20Motor%20Trade%20-%20Road%20Transit%20Risks%20Only%20%20Liability%20Policy.pdf/ad962909-71d2-5d9a-a7f4-f2d72e5f6f1b","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203/document/4715"}],"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 - Road Transit Risks Only Liability Policy (UIN IRDAN123RP0018V01200203), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/motor-trade-road-transit-risks-only-liability-policy-irdan123rp0018v01200203"}