{"uin":"IRDAN125RP0001V02201415","name":"Private Car Package Policy","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415","insurer":{"slug":"hdfc-ergo-general-insurance","name":"HDFC ERGO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-ergo-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"HDFC ERGO's Private Car Package Policy is an annual policy for registered private car owners covering own damage from fire, theft, floods, accidents and other listed perils, liability to third parties, and personal accident cover for the owner-driver up to Rs. 15 lakhs. The sum insured is the Insured's Declared Value, set from the manufacturer's listed selling price less 5% to 50% depreciation by age, and 21 add-on covers are offered.","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:11:55.519546+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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 are described. The product is one package policy with optional add-ons and endorsements.","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":"cross-checked","value":"Annual: the policy runs for one year.","display":"Annual (1 year)","note":null,"quote":"Policy Tenure- Annual ... Below mentioned add on covers shall be offered to Private Car package policy holders with 1 year policy duration.","sources":[{"clause":null,"heading":"B) PRODUCT INFORMATION","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-b-product-information"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-section-iii"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Notice must be given to the Company in writing immediately after any accidental loss or damage. For theft or a criminal act, the police must also be told immediately.","display":"Immediately, in writing","note":"The Company may condone delay in claim intimation on merit where the delay is due to reasons beyond the insured's control. The Emergency Medical Expenses add-on requires its claim to be reported within 7 days of the accident. The prospectus says the company 'must be informed immediately'.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim ... In case of theft or criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police ... The Company may condone delay in claim intimation/ document submission on merit,whereit is proved that delay in reporting of claim or submission of claim documents, is due to reasonsbeyond the control of the insured. ... Claim must be reported within 7 days from the date of the accident.","sources":[{"clause":null,"heading":"CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-conditions"},{"clause":null,"heading":"Condonation of Delay","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-condonation-of-delay"},{"clause":"21(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-21-d"}],"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":"cross-checked","value":["Claim Form","Registration Certificate","Driving License","Policy Copy","Estimate of Repairs","AML Documents (if required)","Job Card Copy (if the loss of use add-on is taken)"],"display":"Claim form, registration certificate, driving licence, policy copy, repair estimate, AML documents if required, job card copy for the loss of use add-on","note":"Listed in the prospectus claim process. The surveyor tells the insured which essential documents to submit.","quote":"a) Claim Form ... b) Registration Certificate ... c) Driving License ... d) Policy Copy ... e) Estimate of Repairs ... f) AML Documents (if required) ... g) Job Card Copy (in case of Add-on cover taken for loss of use). ... Surveyor shall inform the insured of the essential documents and other requirements that the insured should submit in support of the claim.","sources":[{"clause":null,"heading":"022-6234-6234/ 022 6158 2020 B) Survey of Loss","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-022-6234-6234-022-6158-2020-b-survey-of-loss"},{"clause":"21(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-21-a-2"},{"clause":"21(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-21-b-2"},{"clause":"21(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-21-c-2"},{"clause":"21(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-21-d-2"},{"clause":"21(e)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-21-e"},{"clause":"21(f)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-21-f"},{"clause":"21(g)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-21-g"}],"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":"cross-checked","value":"HDFC ERGO offers a settlement within 7 days of receiving the survey report. The surveyor is appointed within 24 hours of intimation and the final survey report is due within 15 days.","display":"Settlement offered within 7 days of the survey report","note":"CIS says: 'Acceptance/Rejection of the claim- within 7 days of Final Survey report'.","quote":"On receipt of the survey report, as the case may be, an HDFC ERGO shall within a period of 7days offer a settlement of the claim to the insured. ... Surveyor is assigned on immediate basis and in any case within 24 hours of the receipt of intimation from the insured. ... The surveyor shall submit a report with within 15 days to the Company. ... Acceptance/Rejection of the claim- within 7 days of Final Survey report","sources":[{"clause":null,"heading":"022-6234-6234/ 022 6158 2020 B) Survey of Loss","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-022-6234-6234-022-6158-2020-b-survey-of-loss"},{"clause":"21(g)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-21-g"},{"clause":"2(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/161#c-2-b-2"}],"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":"cross-checked","value":["Loss, damage or liability outside the geographical area","Any claim arising out of any contractual liability","Vehicle used otherwise than in accordance with the 'Limitations as to Use'","Vehicle driven by any person other than a Driver as stated in the Driver's Clause","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time (then limited to 50% of replacement cost)","Theft of accessories unless the vehicle is stolen at the same time","Loss or damage while the driver is under the influence of intoxicating liquor or drugs","Ionising radiations or contamination by radioactivity","Nuclear weapons material","War, invasion, hostilities, civil war, mutiny, rebellion"],"display":"Outside the geographical area, contractual liability, use outside 'Limitations as to Use', unauthorised driver, wear and tear and breakdown, tyres unless the vehicle is also damaged, accessory theft alone, drink or drugs, nuclear risks, war","note":"Personal accident cover for the owner-driver also excludes intentional self injury, suicide or attempted suicide.","quote":"1. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; 2. any claim arising out of any contractual liability; 3. any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is 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 ... a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; b) damage to Tyres and Tubes unless the vehicle insured is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement. ... c) loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; ... d) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... ionising radiations or contamination by radioactivity ... any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or war like operations (whether before or after declaration of war) civil war, mutiny rebellion ... 1. intentional self injury suicide or attempted suicide physical defect or infirmity","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-general-exceptions"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-5"},{"clause":"4(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-4-ii"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-section-iii"}],"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":"cross-checked","value":"Contact HDFC ERGO first on 022 6158 2020 / 022 6234 6234, by e-mail to grievance@hdfcergo.com, or at the Complaint & Grievance (C&G) Cell at any branch. If not satisfied, write to the Head of Customer Service at the C&G Cell in Mumbai, then to the Principal Grievance Officer (cgo@hdfcergo.com), before approaching the Insurance Ombudsman.","display":"HDFC ERGO grievance team (grievance@hdfcergo.com, 022 6158 2020), then the C&G Cell, then the Principal Grievance Officer (cgo@hdfcergo.com)","note":"Senior citizens: 022 6242 6226, seniorcitizen@hdfcergo.com. Grievances may also be lodged at IRDAI's Bima Bharosa portal. The prospectus and CIS call the final internal level the Chief Grievance Officer.","quote":"Ø Contact us- 022 6158 2020/ 022 6234 6234 Ø Emails – grievance@hdfcergo.com ... You may also approach the Complaint & Grievance (C&G) Cell at any of our branches with the details of your grievance during our working hours from Monday to Friday. If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service at The Complaint & Grievance Cell, HDFC ERGO General Insurance Company Ltd. D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. In case you are not satisfied with the response / resolution given / offered by the C&G cell, then you can write to the Principal Grievance Officer of the Company ... e-mail: cgo@hdfcergo.com ... You may also approach the nearest Insurance Ombudsman for resolution of your grievance. ... Contact Details for Senior Citizens: 022 6242 6226 | Email ID: seniorcitizen@hdfcergo.com ... Grievance may also be lodged at IRDAI Integrated Grievance Management System- https://bimabharosa.irdai.gov.in ... then you can write to the Chief Grievance Officer of the Company","sources":[{"clause":null,"heading":"Grievance Rederssal","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-grievance-rederssal"},{"clause":null,"heading":"To the Principal Grievance Officer","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-to-the-principal-grievance-officer"},{"clause":null,"heading":"Mumbai – 400078, Maharashtra","page":13,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-mumbai-400078-maharashtra"}],"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":"cross-checked","value":["Fire, explosion, self ignition or lightning","Burglary, housebreaking or theft","Riot and strike","Earthquake (fire and shock damage)","Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost","Accidental external means","Malicious act","Terrorist activity","Transit by road, rail, inland waterway, lift, elevator or air","Landslide, rockslide","Legal liability for death of or bodily injury to any person","Legal liability for damage to third-party property","Personal accident to the owner-driver"],"display":"Own damage from fire, theft, riot, earthquake, flood and storms, accidents, malicious act, terrorism, transit and landslide; third-party liability; owner-driver personal accident","note":"Own damage cover applies to the vehicle and its accessories whilst thereon, subject to depreciation on parts replaced.","quote":"i) by fire explosion self ignition or lightning; ii) by burglary housebreaking or theft; iii) by riot and strike; iv) by earthquake (fire and shock damage); v) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; vi) by accidental external means; vii) by malicious act; viii) by terrorist activity; ix) whilst in transit by road rail inland- waterway lift elevator or air; x) by landslide rockslide. ... i) death of or bodily injury to any person including occupants carried in the insured vehicle ... ii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... PERSONAL ACCIDENT COVER FOR ... OWNER-DRIVER The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-section-i"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-1-ii"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-section-iii"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"You can cancel at any time by informing the Company; it refunds the proportionate premium for the unexpired policy period, provided no claim was made during the policy period.","display":"Proportionate premium for the unexpired period, if no claim was made","note":"Add-on covers cannot be cancelled on their own, only with the base policy. The Company can cancel only for established fraud, with 7 days' notice. No refund of the premium for the legal liability to paid driver endorsement (IMT 28). Pay As You Drive: unused kilometres are refunded pro rata, but not if a claim was reported.","quote":"a) The Insured can cancel the policy at any time during the policy term, by informing the Company. The Company can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the Insured The Company shall refund proportion premium for unexpired policy period subject to no claim(s) made during the policy period ... The above mentioned add on covers cannot be cancelled on standalone basis by the insured. It can be cancelled subject to cancellation of base policy by the insured on seven days' notice by recorded delivery, provided no claim has arisen during the currency of the add on cover. ... in the event of the Policy being cancelled at the request of the Insured no refund of the premium paid in respect of this Endorsement will be allowed. ... For cancellation of policy, the refund will be made for remaining Km's on pro rata basis. ... a) A claim is reported under the policy and you opted for cancellation.","sources":[{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-5-a"},{"clause":null,"heading":"C) Cancellation Clause: -","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-c-cancellation-clause"},{"clause":null,"heading":"IMT. 28. LEGAL LIBILITY TO PAID DRIVER AND/OR","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-28-legal-libility-to-paid-driver-and-or"},{"clause":null,"heading":"Unused Mileage","page":9,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-unused-mileage"}],"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":"cross-checked","value":"India. Loss or damage outside India is excluded; the geographical area can be extended to Nepal, Sri Lanka, Maldives, Bhutan, Pakistan or Bangladesh for an additional premium.","display":"India","note":"From the prospectus exclusions; the wording itself excludes loss 'outside the geographical area' without defining it. The extension excludes cover during sea voyage or air passage to ferry the vehicle.","quote":"Loss/ damage outside India ... In consideration of the payment of an additional premium of Rs....it is hereby understood and agreed that notwithstanding anything contained in this Policy to the contrary the Geographical Area in this Policy shall ... *Insert Nepal, Sri Lanka, Maldives, Bhutan, Pakistan, Bangladesh as the case may be ... such geographical extension excludes cover for damage to the vehicle insured / injury to its occupants / third party liability in respect of the vehicle insured during sea voyage / air passage for the purpose of ferrying the vehicle insured to the extended geographical area.","sources":[{"clause":null,"heading":"General Exclusions applicable to whole policy","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-general-exclusions-applicable-to-whole-policy"},{"clause":null,"heading":"ENDORSEMENT WORDINGS IMT. 1. EXTENSION OF GEOGRAPHICAL AREA","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-endorsement-wordings-imt-1-extension-of-geograph"}],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"cross-checked","value":["Private Car Package Policy: Section I Loss of or Damage to the Vehicle Insured, Section II Liability to Third Parties, Section III Personal Accident Cover for Owner-Driver"],"display":"Package policy (own damage, third-party liability, owner-driver PA)","note":"Endorsements IMT 26 (Fire and/or Theft risks only, while the vehicle is laid up) and IMT 27 (Liability and Fire and/or Theft) can narrow the cover. Standalone own damage and third-party only policies are not described.","quote":"Standard Form For Private Car Package Policy ... Section I LOSS OF OR DAMAGE TO THE ... VEHICLE INSURED ... Section II LIABILITY TO THIRD PARTIES ... Section III PERSONAL ACCIDENT COVER FOR ... OWNER-DRIVER ... IMT. 26. FIRE AND/OR THEFT RISKS ONLY ... whilst the vehicle is laid up in garage and not in use ... IMT. 27. LIBILITY AND FIRE AND / OR THEFT","sources":[{"clause":null,"heading":"Standard Form For Private Car Package Policy","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-standard-form-for-private-car-package-policy"},{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-section-i"},{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-section-ii"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-section-iii"},{"clause":null,"heading":"IMT. 26. FIRE AND/OR THEFT RISKS ONLY (Not applicable","page":9,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-26-fire-and-or-theft-risks-only-not-applicab"},{"clause":null,"heading":"IMT. 27. LIBILITY AND FIRE AND / OR THEFT (Not applicable","page":9,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-27-libility-and-fire-and-or-theft-not-applic"}],"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":"cross-checked","value":"Covers legal liability for death of or bodily injury to any person (including occupants not carried for hire or reward) and damage to third-party property, subject to the limits of liability laid down in the Schedule.","display":"Death or bodily injury to any person and damage to others' property, within the limits in the Schedule","note":"CIS says third party liability is 'As per Motor Vehicle Act' and the property damage limit is as per schedule. An endorsement can reduce the property damage limit to Rs. 6000 for a premium reduction. Death or injury of the insured's employees is covered only as needed to meet the Motor Vehicles Act.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the insured vehicle against all sums which the insured shall become legally liable to pay in respect of ... i) death of or bodily injury to any person including occupants carried in the insured vehicle (provided such occupants are not carried for hire or reward) ... ii) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... but except so far as it is necessary to meet the requirements of Motor Vehicles Act, the Company shall not be liable where such death or injury arises out of and in the course of the employment of such person by the insured ... Third party liability: As per Motor Vehicle Act ... liability is limited to Rs. 6000/- (Rupees six thousand only) for damage to property other than the property belonging to the ... In consideration of this reduction in the limit of liability a reduction in premium","sources":[{"clause":"1","heading":"Subject to the limits of liability as laid down in the Schedule","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-1-2"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-1-ii"},{"clause":"Row 5","heading":"Sum Insured / Motor Insured Declared Value Scope","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/161#c-row-5"},{"clause":null,"heading":"IMT. 20. REDUCTION IN THE LIMIT OF LIABILITY FOR","page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-20-reduction-in-the-limit-of-liability-for"},{"clause":null,"heading":"IMT.19. COVER FOR VEHICLES IMPORTED WITHOUT","page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-19-cover-for-vehicles-imported-without"}],"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":"cross-checked","value":"The IDV is the sum insured, fixed at the start of each policy period on the manufacturer's listed selling price of the brand and model, less depreciation by age: 5% up to 6 months, 15% up to 1 year, 20% up to 2 years, 30% up to 3 years, 40% up to 4 years and 50% up to 5 years. For vehicles over 5 years old or obsolete models it is agreed between insurer and insured.","display":"Manufacturer's listed selling price less 5% to 50% depreciation by age; agreed for cars over 5 years","note":"For total loss or constructive total loss the Company pays the IDV less the value of the wreck. The car is treated as a constructive total loss if retrieval and repair cost exceeds 75% of the IDV. Vintage cars: IDV paid without depreciation on total loss.","quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the insured vehicle at the commencement of insurance/renewal and adjusted for depreciation ... Not exceeding 6 months | 5% ... Exceeding 6 months but not exceeding 1 year | 15% ... Exceeding 1 year but not exceeding 2 years | 20% ... Exceeding 2 years but not exceeding 3 years | 30% ... Exceeding 3 years but not exceeding 4 years | 40% ... Exceeding 4 years but not exceeding 5 years | 50% ... IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the insured. ... The insured vehicle shall be treated as CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle. ... the Insured's Declared Value (IDV) of the vehicle (including accessories thereon) as specified in the Schedule less the value of the wreck. ... in case of TOTAL LOSS/CONSTRUCTIVE TOTAL LOSS of the Vintage Car insured hereunder due to a peril insured against, the amount payable will be the Insured s Declared Value (IDV) of the vehicle as mentioned in the Policy without deduction of any depreciation.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-the-schedule-of-depreciation-for-fixing-idv-of"},{"clause":"4(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-4-a"},{"clause":null,"heading":"IMT. 2. AGREED VALUE CLAUSE (APPLICABLE ONLY TO","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-2-agreed-value-clause-applicable-only-to"}],"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":"cross-checked","value":"Rubber, nylon and plastic parts, tyres, tubes, batteries and air bags 50%; fibre glass 30%; glass nil; other parts by vehicle age from nil (up to 6 months) to 50% (over 10 years). Painting: 50% on the material cost, with material taken as 25% of a consolidated painting bill.","display":"50% on rubber, plastic, tyres, batteries, air bags; 30% on fibre glass; nil on glass; other parts nil to 50% by age","note":"Other parts (including wooden parts) by vehicle age: up to 6 months nil, 6 months to 1 year 5%, 1 to 2 years 10%, 2 to 3 years 15%, 3 to 4 years 25%, 4 to 5 years 35%, 5 to 10 years 40%, over 10 years 50%. The Zero Depreciation Claim add-on removes depreciation on partial losses (tyres excluded).","quote":"1 For all rubber/ nylon/ plastic parts, tyres, tubes and ... batteries and air bags - 50% ... 2 For fiber glass components 30% ... 3. For all parts made of glass | Nil ... Not exceeding 6 months | Nil ... Exceeding 6 months but not exceeding 1 year | 5% ... Exceeding 1 year but not exceeding 2 years | 10% ... Exceeding 2 years but not exceeding 3 years | 15% ... Exceeding 3 years but not exceeding 4 years | 25% ... Exceeding 4 years but not exceeding 5 years | 35% ... Exceeding 5 year but not exceeding 10 years | 40% ... Exceeding 10 years | 50% ... In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation. ... 4 Rate of depreciation for all other parts including wooden ... parts will be as per the following schedule: ... In the event of partial loss, the depreciation applicable under section 1 of this policy would stand deleted. Exclusion: This cover excludes tyres.","sources":[{"clause":null,"heading":"Standard Form For Private Car Package Policy","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-standard-form-for-private-car-package-policy"},{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-section-i"},{"clause":"1","heading":"For all rubber/ nylon/ plastic parts, tyres, tubes and","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-1"},{"clause":"2","heading":"For fiber glass components 30%","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-2"},{"clause":"4","heading":"Rate of depreciation for all other parts including wooden","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-5"},{"clause":"13","heading":"ZERO DEPRECIATION CLAIM","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-13"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"cross-checked","value":"Discount on own damage premium by consecutive years: 0% for the preceding year, 25% for 2 consecutive years, 35% for 3, 45% for 4 and 50% for 5 consecutive years.","display":"25% to 50% of own damage premium for 2 to 5 consecutive years","note":"As printed in the prospectus table, which shows 0% after one year and does not use the words 'claim free'. A No Claim Bonus Protection add-on is offered.","quote":"Period of Insurance | % of discount on own damage premium in the preceding year Preceding year | 0% Preceding 2 consecutive years | 25% Preceding 3 consecutive years | 35% Preceding 4 consecutive years | 45% Preceding 5 consecutive years | 50% ... 5 NO CLAIM BONUS PROTECTION","sources":[{"clause":null,"heading":"No Claim Bonus","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-no-claim-bonus"},{"clause":"5","heading":"NO CLAIM BONUS PROTECTION","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-5-2"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording applies the deductible 'stated in the schedule' to each Section I claim, and the compulsory deductible endorsement (IMT 22) leaves the amount to be inserted as per GR.40 of the tariff. The CIS says 'Compulsory deductible (As per the policy schedule)'. The prospectus says 'No Deductible', yet its voluntary deductible add-on applies 'over and above the compulsory deductible'.","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":"cross-checked","value":"None unless the optional voluntary deductible is chosen.","display":"None unless opted","note":"Optional voluntary deductible of Rs. 2500 (20% own damage premium discount), Rs. 5000 (25%), Rs. 7500 (30%), Rs. 15000 (35%), Rs. 20000 (40%) or Rs. 25000 (45%), applied over and above the compulsory deductible.","quote":"If the insured opts for a voluntary deductible the add on provides a discount in own damage premium as per the below table: VOLUNTARY DEDUCTIBLE | DISCOUNT Rs. 2500 | 20% on the OD premium of the vehicle Rs. 5000 | 25% on the OD premium of the vehicle Rs. 7500 | 30% on the OD premium of the vehicle Rs. 15000 | 35% on the OD premium of the vehicle Rs. 20000 | 40% on the OD premium of the vehicle Rs. 25000 | 45% on the OD premium of the vehicle The voluntary deductible would be applicable over and above the compulsory deductible applicable under the main motor insurance policy.","sources":[{"clause":"3","heading":"VOLUNTARY DEDUCTIBLE","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-3"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"cross-checked","value":"Yes. Compensation for the owner-driver up to Rs. 15 lakhs in aggregate per period of insurance: 100% for death, loss of two limbs or two eyes, or permanent total disablement; 50% for loss of one limb or one eye.","display":"Yes, up to Rs. 15 lakhs","note":"Only if the owner-driver is the registered owner, is the named insured and holds an effective driving license. No compensation for intentional self injury, suicide or accidents under the influence of liquor or drugs.","quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle ... i) Death | 100% ... ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100% ... iii) Loss of one limb or sight of one eye | 50% ... iv) Permanent total disablement from injuries other than named above. | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance. ... a) the owner-driver is the registered owner of the vehicle insured herein; b) the owner-driver is the insured named in this policy. c) the owner-driver holds an effective driving license ... 1. intentional self injury suicide or attempted suicide physical defect or infirmity or ... 2. an accident happening whilst such person is under the influence of intoxicating liquor or drugs.","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-section-iii"}],"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":"cross-checked","value":["Zero Depreciation Claim","Tyre secure for private car","Loss of Personal Belongings","No Claim Bonus Protection","Emergency Assistance Cover","EMI Protector","Loss of Use / Downtime Protection","Higher Protection and Removal Costs","Voluntary Deductible","Engine & Gear Box Protector","Cost of Consumable Items","Multi Vehicle Discount","Pay As You Drive - Kilometer Benefit","Battery, Charger and Accessories Cover","Electric Motor Cover","Zero Depreciation Claim for Battery, Charger and Accessories Cover","EMI Protector Plus","Return to Invoice","Enhanced Roadside Assistance Cover","Pay As You Drive- Mileage Based","Emergency Medical Expenses"],"display":"Zero depreciation, tyre secure, personal belongings, NCB protection, emergency assistance, EMI protector, loss of use, engine and gear box protector, consumables, return to invoice, roadside assistance, pay as you drive, battery, charger and accessories cover, electric motor cover, and others","note":"Add-ons are offered to Private Car package policy holders with 1 year policy duration. The wording also has optional endorsements for an extra premium, such as electrical / electronic fittings, CNG / LPG kit and personal accident to unnamed passengers.","quote":"1 | Zero Depreciation Claim | IRDAN125RP0001V02201415/A0021V01201415 2 | Tyre secure for private car | IRDAN125RP0001V02201415/A0027V01201920 3 | Loss of Personal Belongings | IRDAN125RP0001V02201415/A0023V01202122 4 | No Claim Bonus Protection | IRDAN125RP0001V02201415/A0060V01202122 5 | Emergency Assistance Cover | IRDAN125RP0001V02201415/A0067V01202122 6 | EMI Protector | IRDAN125RP0001V02201415/A0066V01202122 7 | Loss of Use / Downtime Protection | IRDAN125RP0001V02201415/A0068V01202122 8 | Higher Protection and Removal Costs | IRDAN125RP0001V02201415/A0065V01202122 9 | Voluntary Deductible | IRDAN125RP0001V02201415/A0062V01202122 10 | Engine & Gear Box Protector | IRDAN125RP0001V02201415/A0064V01202122 11 | Cost of Consumable Items | IRDAN125RP0001V02201415/A0063V01202122 12 | Multi Vehicle Discount | IRDAN125RP0001V02201415/A0059V01202122 13 | Pay As You Drive - Kilometer Benefit | IRDAN125RP0001V02201415/A0033V01202223 14 | Battery, Charger and Accessories Cover | IRDAN125RP0001V02201415/A0026V01202324 15 | Electric Motor Cover | IRDAN125RP0001V02201415/A0027V01202324 16 | Zero Depreciation Claim for Battery, Charger and Accessories Cover | IRDAN125RP0001V02201415/A0038V01202324 17 | EMI Protector Plus | IRDAN125RP0001V02201415/A0002V01202324 18 | Return to Invoice | IRDAN125RP0001V02201415/A0061V02202324 19 | Enhanced Roadside Assistance Cover | IRDAN125RP0001V02201415/A0076V01202526 20 | Pay As You Drive- Mileage Based | IRDAN125RP0001V02201415/A0078V01202526 21 | Emergency Medical Expenses | IRDAN125RP0001V02201415/A0081V01202526 ... ELECTRICAL / ELECTRONIC FITTINGS ... CNG / LPG KIT IN BI-FUEL SYSTEM ... PERSONAL ACCIDENT TO UNNAMED PASSENGERS","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-section-iii"},{"clause":null,"heading":"IMT. 24. ELECTRICAL / ELECTRONIC FITTINGS (Items fitted","page":9,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-24-electrical-electronic-fittings-items-fitt"},{"clause":null,"heading":"IMT. 25. CNG / LPG KIT IN BI-FUEL SYSTEM (Own Damage","page":9,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-25-cng-lpg-kit-in-bi-fuel-system-own-damage"},{"clause":null,"heading":"IMT. 16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-16-personal-accident-to-unnamed-passengers"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"cross-checked","value":"Yes. Cashless settlement is available: the workshop bills on the surveyor's assessment and the insured pays only the compulsory and any voluntary deductible to the workshop. Reimbursement settlement is also available.","display":"Yes, cashless settlement at the workshop (you pay the deductibles)","note":"From the CIS. The documents do not list network garages.","quote":"Workshop Generates the invoice basis the assessment given by the surveyor-For Cashless Settlement, Insured pays his share of liability to the Workshop which includes - Compulsory ... deductible (As per the policy schedule) and Voluntary deductible (IMT22A), if opted as per the chosen slab and takes delivery of the vehicle. ̶ For Reimbursement Settlement, Insured pays the entire invoice amount to Garage Workshop, HDFC ERGO will reimburse its share of liability minus the Compulsory and voluntary deductible (if applicable) to Insured's account.","sources":[{"clause":"Row 8","heading":"Loss Participation","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/161#c-row-8"},{"clause":null,"heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/161#c-s10"}],"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":"cross-checked","value":["Use otherwise than in accordance with the 'Limitations as to Use'","Driven by any person other than a Driver as stated in the Driver's Clause","Damage by a person driving without a valid license","Driving under the influence of intoxicating liquor or drugs","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","Theft of accessories unless the vehicle is stolen at the same time","Loss or damage outside the geographical area","Contractual liability","War, nuclear risks"],"display":"Use outside 'Limitations as to Use', unauthorised or unlicensed driver, drink or drugs, wear and tear and breakdown, tyres alone, accessory theft alone, outside the geographical area, contractual liability, war and nuclear risks","note":"The licence exclusion is worded in the prospectus summary; the wording refers to the Driver's Clause, which is not printed in the documents.","quote":"1. any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; 2. any claim arising out of any contractual liability; 3. any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is 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 ... a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; b) damage to Tyres and Tubes unless the vehicle insured is damaged at the same time ... c) loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; ... is under the influence of intoxicating liquor or drugs. ... Damage by a person driving without a valid license ... Loss/ damage attributable to war, mutiny, nuclear risks","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-general-exceptions"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-5"},{"clause":null,"heading":"General Exclusions applicable to whole policy","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160#c-general-exclusions-applicable-to-whole-policy"}],"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":"cross-checked","value":"The Insured's Declared Value (IDV) of the vehicle is the sum insured, fixed at the start of each policy period.","display":"Insured's Declared Value (IDV)","note":"Vintage cars can be insured on an agreed value basis: on total loss the IDV is paid without deduction of depreciation.","quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. ... IMT. 2. AGREED VALUE CLAUSE (APPLICABLE ONLY TO ... the amount payable will be the Insured s Declared Value (IDV) of the vehicle as mentioned in the Policy without deduction of any depreciation.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"IMT. 2. AGREED VALUE CLAUSE (APPLICABLE ONLY TO","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159#c-imt-2-agreed-value-clause-applicable-only-to"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Insurance- Pricing Revision- Private Cars","pages":14,"fetched_at":"2026-10-16 07:11:40.247852+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/motor-insurance--pricing-revision--private-cars-874041984563.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/159"},{"kind":"prospectus","label":"Motor Insurance- Pricing Revision- Private Cars","pages":14,"fetched_at":"2026-10-16 07:11:40.247852+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/2.MotorInsurance-PricingRevision-PrivateCars-72736436072.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/160"},{"kind":"cis","label":"Motor Insurance- Pricing Revision- Private Cars","pages":8,"fetched_at":"2026-10-16 07:11:40.247852+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/7.MotorInsurance-PricingRevision-PrivateCars-157548831434.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415/document/161"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"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":"Private Car Package Policy (UIN IRDAN125RP0001V02201415), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/private-car-package-policy-irdan125rp0001v02201415"}