{"uin":"IRDAN125RP0009V01202122","name":"Two Wheeler Package Policy","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122","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-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"HDFC ERGO's Two Wheeler Package Policy is an annual package policy for two wheelers covering loss of or damage to the vehicle up to its Insured's Declared Value, liability to third parties and personal accident cover of up to Rs. 15 lakhs for the owner-driver. Own damage claims carry a compulsory deductible of Rs 100 and depreciation on replaced parts, and a no claim bonus of 20% to 50% applies to the own damage premium.","analysis":{"state":"extracted","analysed_at":"2026-10-16 07:11:55.716913+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":"The documents describe one package policy (Sections I, II and III) with no named plans.","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":"One year: the policy gives cover on an annual basis.","display":"Annual (one year)","note":"Renewal is by mutual consent; unless renewed the policy terminates at the expiry of the period for which premium has been paid.","quote":"HDFC ERGO General Insurance Company Limited policy for Two Wheeler provides cover to your prized possession on annual basis ... Two Wheeler Package Policy - Annual ... This policy may be renewed only by mutual consent ... Unless renewed as herein provided, this policy shall automatically terminate at the expiry of the period for which premium has already been paid.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-s1"},{"clause":"Row 1","heading":"Product Name","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/164#c-row-1"},{"clause":null,"heading":"RENEWAL CLAUSE","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-renewal-clause"}],"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 on any accidental loss or damage; in case of theft or a criminal act the police must also be told immediately.","display":"Immediately, in writing","note":"Theft or criminal act: immediate notice to the police too. Delay may be condoned on merit if it was due to reasons beyond the insured's control. The prospectus says claims are intimated through the call center.","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, where it is proved that delay in reporting of claim or submission of claim documents, is due to reasons beyond the control of the insured. ... The claims Intimation is done through call center.","sources":[{"clause":"1","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-1-2"},{"clause":null,"heading":"Condonation of Delay","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-condonation-of-delay"},{"clause":null,"heading":"Claims process A) Claim Intimation","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-claims-process-a-claim-intimation"}],"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)","PAN Card","Aadhar Card","Any other supporting document"],"display":"Claim form, registration certificate, driving licence, policy copy, repair estimate, AML documents if required, and KYC (PAN, Aadhaar)","note":"From the prospectus. The surveyor shall, within 7 days of claim intimation, tell the insured which documents are needed.","quote":"a) Claim Form ... b) Registration Certificate ... c) Driving License ... d) Policy Copy ... e) Estimate of Repairs ... f) AML Documents (if required) ... KYC documents as below are mandatory ... 1) PAN Card ... 2) Aadhar Card ... 3) Any other supporting document ... Surveyor shall within 7 days of the claim intimation, inform the insured of the essential documents","sources":[{"clause":"8(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-8-a-4"},{"clause":"8(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-8-b-4"},{"clause":"8(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-8-c-2"},{"clause":null,"heading":"VOLUNTARYDEDUCTIBLE","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-voluntarydeductible"},{"clause":"10","heading":"In case, the claim is rejected, the Company shall give the","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-10"},{"clause":null,"heading":"B) Survey of loss","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-b-survey-of-loss"}],"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":"The CIS gives a decision on the claim in 22 days, with surveyor appointment in 24 hours and the survey report in 15 days; it does not say from when the 22 days are counted.","display":"Decision on claim within 22 days","note":"Start point not stated. The CIS points to the PPHI guidelines on the website. The prospectus gives different survey times: surveyor assigned within 72 hours of intimation (CIS: 24 hours) and surveyor report within 30 days (CIS: 15 days); it says the Company settles the claim once the final survey report is furnished, with no time limit, and promises estimate approval in 24 hours of the vehicle reaching the garage.","quote":"Surveyor appointment - 24 hours Survey report - 15 days Decision on claim - 22 days ... Surveyor is assigned on immediate basis and in any case within 72 hours of the receipt of intimation from the insured. ... The surveyor shall submit a report with within 30 days to the Company. ... Once the final survey report is furnished with all required information/documents that are relevant and necessary for settlement of claim, the Company settle the claim. ... Estimate approval in 24 hours of vehicle reaching garage.","sources":[{"clause":"Row 9(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/164#c-row-9-b-2"},{"clause":null,"heading":"B) Survey of loss","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-b-survey-of-loss"},{"clause":"8(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-8-c-2"},{"clause":null,"heading":"PRODUCT HIGHLIGHTS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-product-highlights"}],"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","Ionising radiations or contamination by radioactivity","Nuclear weapons material","War, invasion, hostilities, civil war, mutiny, rebellion","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","Loss or damage while the driver is under the influence of intoxicating liquor or drugs","Owner-driver PA: intentional self injury, suicide or attempted suicide"],"display":"Outside the geographical area, contractual liability, use outside the Limitations as to Use, unauthorised driver, consequential loss, nuclear and war risks, wear and tear and breakdown, tyres unless the vehicle is also damaged, drink or drugs","note":"Tyres and tubes damaged with the vehicle are paid at 50% of the cost of replacement. The owner-driver PA exclusions also cover physical defect or infirmity and accidents under the influence of liquor or drugs.","quote":"any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... any claim arising out of any contractual liability; ... 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 ... or any consequential loss. ... arising from ionising radiations or contamination by radioactivity from any nuclear fuel ... 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, military or usurped power ... 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) 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. ... 1. intentional self injury suicide or attempted suicide physical defect or infirmity ... 2. an accident happening whilst such person is under the influence of intoxicating liquor or drugs.","sources":[{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-general-exceptions"},{"clause":"Section III(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-iii-a-2"},{"clause":"Section III(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-iii-b-2"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-5"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#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":"First contact the insurer through the call centre (022 6158 2020 / 022-6234 6234), grievance@hdfcergo.com, the designated grievance officer in each branch, the website or by courier; if not satisfied, the Head of Customer Service at the Complaint & Grievance Redressal Cell, then the Chief Grievance Officer (cgo@hdfcergo.com), before the Insurance Ombudsman.","display":"Call 022 6158 2020 / 022-6234 6234 or email grievance@hdfcergo.com; then the C&G Redressal Cell; then the Chief Grievance Officer (cgo@hdfcergo.com)","note":"Complaints may also be lodged on the IRDAI Bima Bharosa portal. The CIS adds a senior citizens line 022 6242 6226 (seniorcitizen@hdfcergo.com).","quote":"If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through: ... Call Centre - 022 6158 2020 / 022-6234 6234 ... Emails – grievance@hdfcergo.com ... Designated Grievance Officer in each branch. ... Company Website – www.hdfcergo.com ... Courier - Any of our Branch office or corporate office ... 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 Redressal Cell ... In case you are not satisfied with the response / resolution given / offered by the C&G cell, then you can write to the Chief Grievance Officer of the Company at the following address: ... e-mail: cgo@hdfcergo.com ... You may also approach the nearest Insurance Ombudsman for resolution, if your grievance is not redressed by the Company. ... Grievance may also be lodged at IRDAI Integrated Grievance Management system - https://bimabharosa.irdai.gov.in ... Contact Details for Senior Citizens: 022 6242 6226 ... Email ID: seniorcitizen@hdfcergo.com","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL PROCEDURE","page":16,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-grievance-redressal-procedure"},{"clause":null,"heading":"Mumbai – 400078, Maharashtra","page":17,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-mumbai-400078-maharashtra"},{"clause":null,"heading":"Mumbai - 400078, Maharashtra","page":17,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-mumbai-400078-maharashtra-2"},{"clause":"Row 9(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/164#c-row-9-b-2"}],"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","Liability to third parties for death or bodily injury and damage to property","Personal accident cover for owner-driver"],"display":"Own damage from fire, theft, riot, natural calamities, accident, malicious act, terrorism, transit and landslide; third-party liability; owner-driver PA","note":null,"quote":"i) by fire explosion self ignition or lightning;\nii) by burglary housebreaking or theft;\niii) by riot and strike;\niv) by earthquake (fire and shock damage);\nv) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi) by accidental external means;\nvii) by malicious act;\nviii) by terrorist activity;\nix) whilst in transit by road rail inland- waterway lift elevator or air;\nx) by landslide rockslide. ... Section II LIABILITY TO THIRD PARTIES ... 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 ... Section III PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-i"},{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-ii"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-1-ii"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#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; the clause says the Company shall refund proportion premium for the unexpired policy period, subject to no claim made during the policy period.","display":"Proportionate premium for the unexpired period, if no claim was made","note":"In the policy wording the refund words run on from the sentence on cancellation by the Company for fraud (7 days notice), so it is not fully clear they apply to cancellation by the insured; the prospectus prints them as a separate sentence. No refund of the IMT.28 endorsement premium on cancellation by the insured.","quote":"a) 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. ... 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.","sources":[{"clause":"5(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-5-a"},{"clause":"8(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-8-a-3"},{"clause":null,"heading":"IMT.28. LEGAL LIBILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER EMPLOYED","page":14,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-28-legal-libility-to-paid-driver-and-or-cond"}],"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 exclusions refer to the 'geographical area' but the documents do not define it. Optional endorsement IMT.1 extends the area to Nepal, Sri Lanka, Maldives, Bhutan, Pakistan, Bangladesh for an additional premium (excluding sea voyage or air passage).","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"cross-checked","value":["Comprehensive cover (own damage, liability to third parties and owner-driver personal accident)"],"display":"Comprehensive package cover","note":"Standalone own damage or third-party only versions are not described in these documents.","quote":"Comprehensive cover Two Wheelers. ... Section I: Loss or Damage to the Insured Vehicle caused by: ... Section II: Liability to Third Parties: ... Section III: Personal Accident Cover to Owner Driver:","sources":[{"clause":null,"heading":"PRODUCT HIGHLIGHTS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-product-highlights"},{"clause":null,"heading":"WHAT IS COVERED","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-what-is-covered"},{"clause":null,"heading":"NO CLAIM BONUS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-no-claim-bonus"}],"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 non-paying occupants) and damage to property of others; third party liability is as per the Motor Vehicles Act and the property damage limit is as per the schedule.","display":"Death, bodily injury and property damage to others; limits as per Motor Vehicles Act and schedule","note":"No limit is printed: the CIS row is an unfilled template placeholder for the property damage limit. Optional IMT.20 reduces the property damage limit to Rs. 6000 for a premium reduction (Rs.50 for two wheelers). Employees' death or injury in the course of employment is not covered except as the Motor Vehicles Act requires.","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 ... Third party Property damage: <<As per schedule basis vehicle type TW/Pvt car Cv.> Third party liability: As per Motor Vehicle 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 ... the Company s liability is limited to Rs. 6000/- (Rupees six thousand only) for damage to property other than the property belonging to the Insured ... *To insert Rs.50 for Two wheelers","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-1"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#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/two-wheeler-package-policy-irdan125rp0009v01202122/document/164#c-row-5"},{"clause":null,"heading":"IMT.20. REDUCTION IN THE LIMIT OF LIABILITY FOR PROPERTY DAMAGE","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-20-reduction-in-the-limit-of-liability-for-p"}],"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":"IDV is the manufacturer's listed selling price adjusted for age-wise depreciation (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, 50% up to 5 years); for total loss the Company pays IDV less the value of the wreck.","display":"Listed price less 5% to 50% by age; total loss paid up to IDV less wreck value","note":"Vehicles over 5 years old and obsolete models: IDV by agreement. Treated as constructive total loss when retrieval and repair cost exceeds 75% of IDV.","quote":"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%\nExceeding 6 months but not exceeding 1 year | 15%\nExceeding 1 year but not exceeding 2 years | 20%\nExceeding 2 years but not exceeding 3 years | 30%\nExceeding 3 years but not exceeding 4 years | 40%\nExceeding 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. ... exceeds 75% of the IDV of the vehicle. ... a) for total loss/ constructive total loss 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.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-the-schedule-of-depreciation-for-fixing-idv-of-t"},{"clause":"3","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-3-2"}],"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, 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 material cost.","display":"50% on rubber/plastic parts, tyres, batteries; 30% fibre glass; nil glass; other parts nil to 50% by age","note":"Other parts by age: nil up to 6 months, 5% up to 1 year, 10% up to 2, 15% up to 3, 25% up to 4, 35% up to 5, 40% up to 10, 50% over 10 years. Consolidated paint bill: material taken as 25% of painting charges.","quote":"1. For all rubber/ nylon/ plastic parts, tyres, tubes and batteries and air bags | 50%\n2. For fiber glass components | 30%\n3. For all parts made of glass | Nil ... Not exceeding 6 months | Nil\nExceeding 6 months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 year but not exceeding 10 years | 40%\nExceeding 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.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-i"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-5"}],"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 of 20% after one claim-free year, 25% after 2, 35% after 3, 45% after 4 and 50% after 5 consecutive claim-free years, earned at renewal after a full 12 months.","display":"20%, 25%, 35%, 45%, 50% on own damage premium for 1 to 5 claim-free years","note":"From the prospectus. On transfer of interest (IMT.3) the previous insured's claim-free period does not count for the new insured.","quote":"1) An insured becomes entitled to No Claim Bonus only at the renewal of a policy after the expiry of the full duration of 12 months. ... ALL TYPES OF VEHICLES | % OF DISCOUNT ON OWN DAMAGE PREMIUM ... No claim made or pending during the preceding full year of insurance | 20% ... No claim made or pending during the preceding 2 consecutive years of insurance | 25% ... No claim made or pending during the preceding 3 consecutive years of insurance | 35% ... No claim made or pending during the preceding 4 consecutive years of insurance | 45% ... No claim made or pending during the preceding 5 consecutive years of insurance | 50% ... Provided always that for the purpose of the No Claim Bonus, no period during which the interest in this Policy has been vested in any previous insured shall accrue to the benefit of","sources":[{"clause":null,"heading":"NO CLAIM BONUS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-no-claim-bonus"},{"clause":null,"heading":"WHAT IS NOT COVERED","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-what-is-not-covered"},{"clause":null,"heading":"IMT.3. TRANSFER OF INTEREST","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-3-transfer-of-interest"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"cross-checked","value":"Rs 100 for motorised two wheelers on each and every claim under Section I (own damage).","display":"Rs 100 per own damage claim","note":"Amount from the prospectus; the policy wording refers to the deductible stated in the schedule.","quote":"Motorized Two Wheelers: Rs 100/- ... The Company shall not be liable for each and every claim under Section - I (loss of or damage to the vehicle insured) of this Policy in respect of the deductible stated in the schedule.","sources":[{"clause":null,"heading":"COMPULSORY DEDUCTIBLE","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-compulsory-deductible"},{"clause":null,"heading":"DEDUCTIBLE","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-deductible"}],"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":"Optional voluntary deductible (IMT.22A) in slabs of Rs. 500 to Rs 3000, borne on each Section I claim in addition to the compulsory deductible, for a discount of 5% to 25% on the own damage premium.","display":"Optional: Rs. 500 to Rs 3000 per claim, for 5% to 25% off the own damage premium","note":"Slabs (prospectus): Rs. 500 for 5% off OD premium (max Rs. 50); Rs. 750 for 10% (max Rs. 75); Rs. 1000 for 15% (max Rs. 125); Rs. 1500 for 20% (max Rs. 200); Rs 3000 for 25% (max Rs. 250). Borne on each and every Section I event in addition to the compulsory deductible.","quote":"IMT.22A. VOLUNTARY DEDUCTIBLE (For Private Cars/ motorized two wheelers other than for hire or reward) It is hereby declared and agreed that the Insured having opted a voluntary deductible of Rs. ... Rs. 500 | 5% on the OD premium of the vehicle, subject to a maximum of Rs. 50/- ... Rs. 750 | 10% on the OD premium of the vehicle, subject to a maximum of Rs. 75/- ... Rs. 1000 | 15% on the OD premium of the vehicle, subject to a maximum of Rs. 125/- ... Rs. 1500 | 20% on the OD premium of the vehicle, subject to a maximum of Rs. 200/- ... Rs 3000 | 25% on the OD premium of the vehicle, subject to a maximum of Rs. 250/- ... the insured shall bear under Section I of the Policy in respect of each and every event ... *** to insert aggregate amount of voluntary deductible opted and the compulsory deductible applicable to the vehicle insured","sources":[{"clause":null,"heading":"IMT.20. REDUCTION IN THE LIMIT OF LIABILITY FOR PROPERTY DAMAGE","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-20-reduction-in-the-limit-of-liability-for-p"},{"clause":null,"heading":"VOLUNTARYDEDUCTIBLE","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-voluntarydeductible"}],"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":"Included: up to Rs. 15 lakhs per policy period for the owner-driver; 100% for death, loss of two limbs or eyes, or permanent total disablement, 50% for loss of one limb or one eye.","display":"Up to Rs. 15 lakhs; 100% for death or permanent total disablement, 50% for loss of one limb or eye","note":"The owner-driver must be the registered owner, the named insured and hold an effective driving licence. The injury must result within six calendar months.","quote":"(i) Death | 100%\n(ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye. | 100%\n(iii) Loss of one limb or sight of one eye | 50%\n(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 ... shall within six calendar months of such injury result in","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-iii"},{"clause":"Section III(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-iii-a"},{"clause":"Section III(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-iii-b"},{"clause":"Section III(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-iii-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":"cross-checked","value":["IMT.1 Extension of geographical area","IMT.15 Personal accident cover to the insured or any named person","IMT.16 Personal accident to unnamed passengers","IMT.17 Personal accident cover to paid drivers, cleaners and conductors","IMT.18 Personal accident to unnamed hirer and unnamed pillion passengers","IMT.24 Electrical / electronic fittings","IMT.25 CNG / LPG kit in bi-fuel system","IMT.28 Legal liability to paid driver","IMT.29 Legal liability to employees","IMT.31 Reliability trials and rallies","IMT.32 Accidents to soldiers / sailors / airmen employed as drivers","IMT.33 Loss of accessories"],"display":"Tariff endorsements for extra premium, such as PA for passengers, electrical fittings, legal liability to driver and loss of accessories","note":"These are the optional tariff endorsements in the wording, each for an additional premium. The CIS lists add-on cover 'as per policy schedule'; its sample claim calculation mentions Zero Depreciation, Consumables and Return to Invoice, but no document describes them for this product. The prospectus says PA cover is available for unnamed and named passengers up to Rs. 1 Lac.","quote":"IMT.1. EXTENSION OF GEOGRAPHICAL AREA ... 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 OTHER THAN INSURED AND THE ... IMT.17. PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND CONDUCTORS: ... IMT.18. PERSONAL ACCIDENT TO UNNAMED HIRER AND UNNAMED PILLION PASSENGERS ... IMT.24. ELECTRICAL / ELECTRONIC FITTINGS ... IMT.25. CNG / LPG KIT IN BI-FUEL SYSTEM ... IMT.28. LEGAL LIBILITY TO PAID DRIVER ... IMT.29.LEGAL LIBILITY TO EMPLOYEES OF THE INSURED ... IMT.31. RELIABILITY TRIALS AND RALLIES ... IMT.32. ACCIDENTS TO SOLDIERS /SAILORS/ AIRMEN EMPOYED AS DRIVERS ... IMT. 33. LOSS OF ACCESSORIES (Applicable to Motorised Two Wheeler Policies only) ... 7. | Add-on Cover | <<as per policy schedule>> ... policy benefit (Zero Depreciation, Consumables, Return to Invoice, etc) ... accident to unnamed passengers & named passengers up to Rs. 1 Lac.","sources":[{"clause":null,"heading":"ENDORSEMENT WORDINGS IMT.1. EXTENSION OF GEOGRAPHICAL AREA","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-endorsement-wordings-imt-1-extension-of-geograph"},{"clause":null,"heading":"HANDICAPPED AND MENTALLY CHALLENGED PERSONS","page":9,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-handicapped-and-mentally-challenged-persons"},{"clause":null,"heading":"IMT.16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS OTHER THAN INSURED AND THE","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-16-personal-accident-to-unnamed-passengers-o"},{"clause":"8(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-8-b-3"},{"clause":null,"heading":"IMT.18. PERSONAL ACCIDENT TO UNNAMED HIRER AND UNNAMED PILLION PASSENGERS","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-18-personal-accident-to-unnamed-hirer-and-un"},{"clause":null,"heading":"IMT.20. REDUCTION IN THE LIMIT OF LIABILITY FOR PROPERTY DAMAGE","page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-20-reduction-in-the-limit-of-liability-for-p"},{"clause":null,"heading":"IMT.28. LEGAL LIBILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER EMPLOYED","page":14,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-28-legal-libility-to-paid-driver-and-or-cond"},{"clause":null,"heading":"CAR (Private Car’s only/ Motorised two wheelers [not for hire or reward])","page":15,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-car-private-cars-only-motorised-two-wheelers-not"},{"clause":null,"heading":"IMT.32. ACCIDENTS TO SOLDIERS /SAILORS/ AIRMEN EMPOYED AS DRIVERS","page":16,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-32-accidents-to-soldiers-sailors-airmen-empo"},{"clause":null,"heading":"IMT. 33. LOSS OF ACCESSORIES (Applicable to Motorised Two Wheeler Policies only)","page":16,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-imt-33-loss-of-accessories-applicable-to-motoris"},{"clause":"Row 7","heading":"Add-on Cover","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/164#c-row-7"},{"clause":"Row 9(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/164#c-row-9-b"},{"clause":null,"heading":"NO CLAIM BONUS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-no-claim-bonus"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"cross-checked","value":"Yes. Cashless claim service is offered at authorised network garages; the insured pays his share of liability, which includes the compulsory and any voluntary deductible, to the workshop.","display":"Yes, at authorised network garages","note":"Reimbursement is also possible: the insured pays the garage and HDFC ERGO reimburses its share.","quote":"Cashless claim service at authorized network garages. ... 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 ... 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":null,"heading":"PRODUCT HIGHLIGHTS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-product-highlights"},{"clause":"Row 8","heading":"Loss Participation","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/164#c-row-8"}],"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":["Vehicle driven by any person other than a Driver as stated in the Driver's Clause","Loss or damage while the driver is under the influence of intoxicating liquor or drugs","Vehicle used otherwise than in accordance with the Limitations as to Use","Depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Consequential loss","Damage to tyres and tubes unless the vehicle is damaged at the same time","Loss of or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time","Loss, damage or liability outside the geographical area","Any claim arising out of any contractual liability","Organised racing, pace making, or speed testing"],"display":"Unauthorised driver, drink or drugs, use outside Limitations as to Use, wear and tear and breakdown, consequential loss, tyres unless the vehicle is also damaged, accessory theft alone, outside the geographical area","note":"The accessory theft exclusion is printed in the prospectus only; the policy wording's Section I exceptions omit it, and optional IMT.33 covers loss of accessories by theft. The racing exclusion is printed in the IMT.31 rallies endorsement.","quote":"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 ... c) 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. ... a) being used otherwise than in accordance with the ‘Limitations as to Use’ or ... 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; and ... any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... any claim arising out of any contractual liability; ... b) This Policy does not cover use for organised racing, pace making, or speed testing.","sources":[{"clause":"Section III(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-iii-b-2"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-5"},{"clause":"Section III(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-section-iii-a-2"},{"clause":"8(c)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163#c-8-c"},{"clause":null,"heading":"GENERAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-general-exceptions"},{"clause":"8(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-8-b-7"}],"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) is the sum insured, fixed at the start of each policy period; cover is on an indemnity basis.","display":"Insured's Declared Value (IDV), indemnity basis","note":"Partial losses are paid at actual and reasonable cost of repair less depreciation on parts.","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. ... Basis of sum / Limit Insured: Indemnity basis ... b) for partial losses, i.e. losses other than Total Loss/ Constructive Total Loss of the vehicle - actual and reasonable costs of repair and/or replacement of parts lost/damaged subject to depreciation as per limits specified.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-sum-insured-insureds-declared-value-idv"},{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/164#c-row-3"},{"clause":"3","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162#c-3-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Package Policy - Annual","pages":21,"fetched_at":"2026-10-16 07:11:40.479288+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/2.two-wheeler-package-policy---policy-wording-547472571509.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/162"},{"kind":"prospectus","label":"Two Wheeler Package Policy - Annual","pages":3,"fetched_at":"2026-10-16 07:11:40.479288+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/65-two-wheeler-package-policy---modify---prospectus-222453250895.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/163"},{"kind":"cis","label":"Two Wheeler Package Policy - Annual","pages":8,"fetched_at":"2026-10-16 07:11:40.479288+00","source_url":"https://customer-portal-assets.hdfcergo.com//documents/16.two-wheeler-package-policy---annual-564625485917.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122/document/164"}],"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":"Two Wheeler Package Policy (UIN IRDAN125RP0009V01202122), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/two-wheeler-package-policy-irdan125rp0009v01202122"}