{"uin":"IRDAN125RP0008V01202122","name":"Liability Only Policy - Motor Trade Road Transit - Annual","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122","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-commercial","category_name":"Commercial vehicle insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is an annual liability-only Motor Trade Road Transit policy covering third-party death, bodily injury and property damage from use of the insured vehicle. It includes owner-driver personal accident cover up to Rs. 15 lakhs and gives a proportionate cancellation refund for the unexpired period if no claim has been made.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:50:05.382996+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents do not name plan variants inside this product.","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":"quote-verified","value":"1 year","display":"1 year","note":null,"quote":"Motor Insurance - Motor Trade Road Transit Liability Policy provides cover to your prized possession for 1 year to suit your requirements.","sources":[{"clause":null,"heading":"Liability Only Policy - Motor Trade Road Transit – Annual - Prospectus","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6529#c-liability-only-policy-motor-trade-road-transit-a"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the Company immediately upon occurrence of any accidental loss or damage. Letters, claims, writs, summons or process copies must be forwarded immediately on receipt.","display":"Immediately upon occurrence; letters/claims/writs/summons forwarded immediately","note":null,"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. Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured.","sources":[{"clause":null,"heading":"CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#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":["letter claim writ summons and/or process or copy thereof","PAN Card","Aadhar Card","Any other supporting document"],"display":"letter/claim/writ/summons/process copy; PAN Card; Aadhar Card; any other supporting document","note":null,"quote":"Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured. ... KYC documents as below are mandatory ... 1) PAN Card ... 2) Aadhar Card ... 3) Any other supporting document","sources":[{"clause":null,"heading":"CONDITIONS","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-conditions"},{"clause":null,"heading":"Contact us- 022 6158 2020/ 022 6234 6234","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-contact-us-022-6158-2020-022-6234-6234"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The wording says third-party claims are processed on court summons, but does not state a time for deciding or paying claims.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact HDFC ERGO through its phone numbers, grievance email, branch grievance officer, website, courier or the C&G Cell. If not satisfied, contact the Head of Customer Service and then the Principal Grievance Officer before approaching the Insurance Ombudsman.","display":"Company grievance channels or C&G Cell, then Head of Customer Service, then Principal Grievance Officer","note":null,"quote":"If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through: ... Emails – grievance@hdfcergo.com ... You may also approach the Complaint & Grievance (C&G) Cell at any of our branches ... 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 ... then you can write to the Principal Grievance Officer of the Company","sources":[{"clause":null,"heading":"Grievance Rederssal","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-grievance-rederssal"}],"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":["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.","bodily injury/ death sustained by the owner-driver of the vehicle"],"display":"Third-party death or bodily injury; third-party property damage; owner-driver bodily injury/death","note":null,"quote":"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. ... bodily injury/ death sustained by the owner-driver of the vehicle","sources":[{"clause":"1","heading":"LIABILITY TO THIRD PARTIES","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-1"},{"clause":"2","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#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 insured can cancel the policy at any time by informing the Company. The Company refunds proportionate premium for the unexpired policy period if no claims have been made, but statutory Motor Third Party Liability or other compulsory insurance cannot be cancelled except in case of double insurance or total loss.","display":"Proportionate premium for unexpired period, subject to no claims; statutory motor TP cannot be cancelled except double insurance or total loss","note":null,"quote":"The Insured can cancel the policy at any time during the policy term, by informing the Company. ... The Company shall refund proportion premium for unexpired policy period subject to no claim(s) made during the policy period. ... Under no circumstances can the company cancel statutory Motor Third Party Liability insurance or any other compulsory insurance mandated by law except in case of double insurance or total loss.","sources":[{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-5-a-4"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-5-b-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The documents mention an optional geographical extension, but do not state the base geographic area of cover.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Liability only cover only for Motor Trade Road Transit risk."],"display":"Liability only cover only for Motor Trade Road Transit risk","note":null,"quote":"Liability only cover only for Motor Trade Road Transit risk.","sources":[{"clause":null,"heading":"PRODUCT HIGHLIGHTS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6529#c-product-highlights"}],"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 Company indemnifies the insured for legal liability arising from use of the insured vehicle for death or bodily injury to any person as necessary to meet the Motor Vehicles Act, and for damage to property other than the insured’s own or property in the insured’s trust, custody or control.","display":"Legal liability for third-party death/bodily injury and third-party property damage","note":"The documents do not state that death or injury liability is unlimited.","quote":"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 ... 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.","sources":[{"clause":"1","heading":"LIABILITY TO THIRD PARTIES","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#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 liability-only policy and does not provide own-damage theft or total loss cover for which IDV would be the maximum payout.","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 liability-only policy does not cover repair or replacement of the insured vehicle’s parts.","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; the base product is liability-only.","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":"This liability-only policy does not have own-damage claims on which a compulsory deductible would apply.","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 liability-only policy; a voluntary deductible for own-damage claims does not apply to the base cover.","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":"Owner-driver personal accident compensation is payable for specified bodily injury or death connected with the insured vehicle, with total insurer liability not exceeding Rs. 15 lakhs in any one period of insurance. It applies where the owner-driver is the registered owner, is the insured named in the policy and holds an effective driving licence at the time of the accident.","display":"Owner-driver PA up to Rs. 15 lakhs; 100% for death, loss of two limbs/two eyes/one limb and one eye, or permanent total disablement; 50% for loss of one limb or sight of one eye","note":null,"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% ... total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance. ... the owner-driver is the registered owner of the vehicle insured herein ... the owner-driver is the insured named in this policy. ... the owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident","sources":[{"clause":"2","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-2"},{"clause":"3","heading":"In terms of and subject to the limitations of the indemnity","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-3"},{"clause":"5","heading":"The Company may at its own option","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-5"},{"clause":"5(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-5-a"},{"clause":"5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-5-b"},{"clause":"5(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-5-c"}],"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.1. EXTENSION OF GEOGRAPHICAL AREA","IMT.15. PERSONAL ACCIDENT COVER TO THE INSURED OR ANY NAMED PERSON OTHER THAN PAID DRIVER OR CLEANER","IMT.16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS","IMT.17. PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND CONDUCTORS","IMT.28. LEGAL LIBILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF INSURED VEHICLE","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)"],"display":"Geographical area extension; PA to named person; PA to unnamed passengers; PA to paid drivers/cleaners/conductors; legal liability to paid driver/conductor/cleaner; legal liability to passengers; trailers road transit","note":"These are endorsement covers and are not part of the base liability-only cover unless applicable and purchased.","quote":"IMT.1. EXTENSION OF ... GEOGRAPHICAL AREA In consideration of the payment of an additional premium ... IMT.15. PERSONAL ACCIDENT COVER TO THE INSURED ... OR ANY NAMED PERSON OTHER THAN PAID DRIVER OR CLEANER ... In consideration of the payment of an additional premium ... IMT.16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS ... In consideration of the payment of an additional premium ... IMT.17. PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND CONDUCTORS ... IMT.28. LEGAL LIBILITY TO PAID DRIVER AND/OR ... CONDUCTOR AND/OR CLEANER EMPLOYED IN CONNECTION WITH THE OPERATION OF INSURED VEHICLE ... 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)","sources":[{"clause":null,"heading":"ENDORSEMENT WORDINGS IMT.1. EXTENSION OF","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-endorsement-wordings-imt-1-extension-of"},{"clause":null,"heading":"IMT.15. PERSONAL ACCIDENT COVER TO THE INSURED","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-imt-15-personal-accident-cover-to-the-insured"},{"clause":null,"heading":"IMT.16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-imt-16-personal-accident-to-unnamed-passengers"},{"clause":"7(c)(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-7-c-i"},{"clause":null,"heading":"IMT.28. LEGAL LIBILITY TO PAID DRIVER AND/OR","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-imt-28-legal-libility-to-paid-driver-and-or"},{"clause":null,"heading":"IMT.46. LEGAL LIABILITY TO PASSENGERS EXCLUDING","page":9,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-imt-46-legal-liability-to-passengers-excluding"},{"clause":null,"heading":"IMT.56. TRAILERS (ROAD TRANSIT ONLY)","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-imt-56-trailers-road-transit-only"}],"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 liability-only policy; cashless repair at network garages applies to own-damage repair claims, not to this base cover.","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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Third-party liability is subject to the limits of liability laid down in the Schedule. Owner-driver personal accident liability is capped at Rs. 15 lakhs during any one period of insurance.","display":"Third-party liability as per Schedule limits; owner-driver PA Rs. 15 lakhs","note":"The base liability-only cover is not set on IDV.","quote":"Subject to the limits of liability as laid down in the Schedule hereto the Company will indemnify the insured ... total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance.","sources":[{"clause":"1","heading":"LIABILITY TO THIRD PARTIES","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-1"},{"clause":"5","heading":"The Company may at its own option","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585#c-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Trade Road Transit Package Policy - Annual","pages":6,"fetched_at":"2026-10-17 19:45:19+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/road-transit-package---policy-wording-54856863230.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6551"},{"kind":"wording","label":"Liability Only Policy - Motor Trade Road Transit - Annual","pages":14,"fetched_at":"2026-10-17 19:46:01+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/policy-wording_road-transit-liability-430955217954.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6585"},{"kind":"prospectus","label":"Liability Only Policy - Motor Trade Road Transit - Annual","pages":2,"fetched_at":"2026-10-17 19:44:35+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/64-road-transit-liability-modify---prospectus-819166355584.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6529"},{"kind":"prospectus","label":"Motor Trade Road Transit Package Policy - Annual","pages":5,"fetched_at":"2026-10-17 19:45:00+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/Motor-trade-road-transit-package-policy---annual-111678134671.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6542"},{"kind":"cis","label":"Liability Only Policy - Motor Trade Road Transit - Annual","pages":7,"fetched_at":"2026-10-17 19:43:52+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/liability-only-policy---motor-trade-road-transit---annual-550379747440.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6504"},{"kind":"cis","label":"Motor Trade Road Transit Package Policy - Annual","pages":8,"fetched_at":"2026-10-17 19:44:21+00","source_url":"https://customer-portal-assets.hdfcergo.com//documents/22.motor-trade-road-transit-package-policy---annual-581754747385.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122/document/6522"}],"versions":[{"uin":"IRDAN125RP0015V01202122","version":null,"approved_on":null},{"uin":"IRDAN125RP0008V01202122","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC ERGO General Insurance official website","url":"https://www.hdfcergo.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claim intimation and process","url":"https://www.hdfcergo.com/claim/register-bike-insurance-claim/cashless-claims","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.hdfcergo.com/customer-voice/grievances","note":null},{"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."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.hdfcergo.com/renew-car-insurance","note":null}],"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":"Liability Only Policy - Motor Trade Road Transit - Annual (UIN IRDAN125RP0008V01202122), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/liability-only-policy-motor-trade-road-transit-annual-irdan125rp0008v01202122"}