{"uin":"IRDAN132RP0007V02201819","name":"Future Secure Two Wheeler Policy – Bundled","url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"general","category":"motor-two-wheeler","category_name":"Two-wheeler insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2018-08-30","withdrawn_on":null,"summary":"This is a bundled motorised two wheeler policy with Section I own-damage cover and Section II liability to third parties. The policy period shown for refund purposes is 5 Years and the owner-driver personal accident cover has a Rs. 15 lakhs aggregate limit per period of insurance.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:28:23.482385+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"5 Years","display":"5 Years","note":null,"quote":"Policy Period | Policy period in which | Refund Rate\nTotal Loss occurred\n5 Years | Not exceeding 12 months |","sources":[{"clause":"6(b)(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-b-ii"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing immediately upon occurrence of accidental loss or damage. For theft or criminal act, immediate notice must also be given to the police.","display":"Immediately upon occurrence; immediate police notice for theft or criminal act","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 ... 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","sources":[{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6"}],"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":["a detailed estimate of the cost of repairs","Every letter claim writ summons and/or process or copy thereof"],"display":"Detailed repair estimate; every letter, claim, writ, summons and/or process or copy","note":null,"quote":"b) The Company is furnished forthwith with a detailed estimate of the cost of repairs; and ... 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":"4(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-4-b"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the Vehicle insured 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","under the influence of intoxicating liquor or drugs","outside the geographic area","any claim arising out of any contractual liability","being used otherwise than in accordance with the 'Limitations as to Use'","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","ionising radiations or contamination by adio activity","nuclear weapons material","war invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Wear and tear/mechanical breakdown, tyres and tubes unless vehicle also damaged, accessories theft unless vehicle stolen, intoxication, outside geographic area, contractual liability, use/driver restrictions, nuclear and war risks","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown\nfailures or breakages; ... Damage to Tyres and Tubes unless the Vehicle insured is damaged at the same time in\nwhich case the liability of the Company shall be limited to 50% of the cost of replacement. ... Loss of or damage to accessories by burglary, housebreaking or theft unless the Vehicle is\nstolen at the same time; and ... 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. ... any accidental loss or damage and/or liability caused sustained or incurred outside the geographic area;\n( | 2. | any claim arising out of any contractual liability; ... being used otherwise than in accordance with the 'Limitations as to Use' ... being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... ionising radiations or contamination by adio activity ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"1","heading":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-1"},{"clause":"2","heading":"Damage to Tyres and Tubes unless the Vehicle insured is damaged at the same time in","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-2"},{"clause":"3","heading":"Loss of or damage to accessories by burglary, housebreaking or theft unless the Vehicle is","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-3"},{"clause":"4","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-4"},{"clause":"Section III(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-c-2"},{"clause":"Section III(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-a-3"},{"clause":"Section III(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-b-3"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-5-2"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":["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","Death of or bodily injury to any person","Damage to property","bodily injury/death sustained by the owner-driver"],"display":"Own damage from listed perils, third-party death/bodily injury and property damage, and owner-driver personal accident","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst thereon ... i) By fire explosion self ignition or lightning; ... ii) By burglary housebreaking or theft; ... iii) By riot and strike; ... iv) By earthquake (fire and shock damage);\nV. By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi. By accidental external means;\nvii. By malicious act;\nviíi. | By terrorist activity\nix. Whilst in transit by road rail inland-waterway lift elevator or air;\nx, | By landslide rockslide. ... Death of or bodily injury to any person including occupants carried in the vehicle ... 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":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-i"},{"clause":"Section I(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-i-i"},{"clause":"Section I(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-i-ii"},{"clause":"Section I(iii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-i-iii"},{"clause":"Section I(iv)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-i-iv"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-1-ii"},{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER - DRIVER","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#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":"quote-verified","value":"For cancellation by the insured, the bundled cancellation section requires seven days' notice by recorded delivery. If there is no claim, refund is at the Company's short period scale; if there is a partial loss claim, future-year TP premiums are refunded according to the year of cancellation, and cancellation is allowed only after the vehicle is insured elsewhere at least for liability-only cover and the original certificate is surrendered.","display":"7 days' notice; no-claim refund at short-period scale; after partial loss, only specified future-year TP premium refunds","note":"The earlier general condition says fifteen days' notice; the later bundled cancellation section says seven days' notice.","quote":"B. Cancellation by Insured\nThe policy may be cancelled at any time by the insured on seven days' notice by recorded delivery and provided:\ni. In case of No Claim\nThe insured shall be entitled for premium refund at the Company's Short period scale provided in the table below. ... ii. In case of Partial Loss Claim ... If the request for policy cancellation is received in first year, we shall refund 100% of the 2nd, 3rd, 4th and 5th premium ... Policy can be cancelled only after ensuring that the vehicle is insured elsewhere, at least for Liability only cover and after surrender of the original certificate of insurance for cancellation. ... The policy may also be cancelled by the insured at any time by giving fifteen days' notice in writing to the Company","sources":[{"clause":"6(b)(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-b-ii"},{"clause":"6(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-a-8"},{"clause":"6(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-b"}],"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 wording refers to a geographic area and an optional extension, but the base geographic area is not named.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["LOSS OF OR DAMAGE TO THE VEHICLE INSURED","LIABILITY TO THIRD PARTIES"],"display":"Bundled own-damage and third-party liability cover","note":null,"quote":"FUTURE SECURE TWO WHEELER POLICY - BUNDLED - POLICY WORDINGS ... Section I LOSS OF OR DAMAGE TO THE VEHICLE INSURED ... Section II LIABILITY TO THIRD PARTIES","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-s1"},{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-i"},{"clause":"Section II","heading":"LIABILITY TO THIRD PARTIES","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-ii"}],"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 out of use of the vehicle for death or bodily injury to any person, including occupants not carried for hire or reward, and damage to property other than the insured's property or property in the insured's trust, custody or control, subject to the limits of liability in the Schedule.","display":"Covers legal liability for death or bodily injury to persons and damage to others' property, subject to Schedule limits","note":"The wording refers to Schedule limits; the Schedule is not included in the provided clauses.","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 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 vehicle (provided such occupants are not carried for hire or reward) ... ii) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.","sources":[{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-1-2"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-1-ii"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured's Declared Value is deemed to be the sum insured, fixed at the commencement of each policy period on the manufacturer's listed selling price adjusted for depreciation. It is treated as market value throughout the policy period for total loss or constructive total loss, and CTL applies if retrieval and/or repair costs exceed 75% of IDV.","display":"IDV is the sum insured; manufacturer listed selling price adjusted for depreciation; market value for TL/CTL; CTL if costs exceed 75% of IDV","note":null,"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. ... fixed on the basis of the manufacturer's listed selling price ... adjusted for depreciation ... IDV shall be treated as the 'Market Value' throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims. ... exceeds 75% of the IDV of the vehicle.","sources":[{"clause":"4(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-4-c"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber, nylon, plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass components; and Nil for glass. Other parts follow an age table from Nil for not exceeding 6 to 50% for exceeding 10 years, and painting depreciation of 50% applies only on material cost.","display":"Parts depreciation: 50% rubber/nylon/plastic/tyres/tubes/batteries/air bags; 30% fibre glass; Nil glass; other parts age table Nil to 50%; painting material cost 50%","note":null,"quote":"Subject to a deduction for depreciation at the rates mentioned below in respect of parts replaced : (1) For all rubber / nylon / plastic parts, tyres and tubes, batteries and air bags - 50%\n(2) For fibre glass components | -30%\n(3) For all parts made of glass | - Nill\n(4) Rate of depreciation for all other parts including wooden parts will be as per the following schedule.\nAGE OF THE VEHICLE | % OF DEPRECIATION\nNot exceeding 6 | 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 years but not exceeding 10 years | 40%\nExceeding 10 years | 50%\n(5) Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges.","sources":[{"clause":"Section I(iv)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-i-iv"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"For this long term policy, NCB entitlement at inception is stated. A 1-year expiring policy follows GR 27 of the Indian Motor Tariff 2002; for other insurers' longer expiring policies, NCB on transfer is 0%, 20%, 25%, 35%, 45% or 50% depending on eligible NCB on renewal.","display":"Long-term NCB at inception; 1-year expiring policy as per GR 27; longer expiring policy transfer scale from 0% to 50%","note":"The wording does not print the standard claim-free-year NCB table for a 1-year expiring policy; it points to GR 27.","quote":"NO CLAIM BONUS:\nThe provision in respect of NCB for this Long Term Policy shall as follows:\n1. NCB Entitlement at the time of inception of Policy ... a) For Expiring Policy having policy period as 1 year : NCB will be same as per existing provisions as mentioned in GR 27 of Indian Motor Tariff 2002 ... NCB will be calculated on the basis of following table:\nEligible NCB on the renewal | NCB on Policy transfer\n0% | 0%\nAbove 0% to 20% | 20%\nAbove 20% to 25% | 25%\nAbove 25% to 35% | 35%\nAbove 35% to 45% | 45%\nAbove 45% | 50%","sources":[{"clause":"6(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-c"},{"clause":"6(a)","heading":"For Expiring Policy having policy period as 1 year","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-a-3"},{"clause":"6(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-b-3"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in the Schedule and the IMT 22 amount is left blank to be inserted.","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":"quote-verified","value":"A voluntary deductible may be opted under IMT 22A; the insured bears the first aggregate amount of voluntary deductible and compulsory deductible for each event under Section 1.","display":"Optional voluntary deductible under Section 1; amount as opted","note":"This is an optional endorsement; the printed wording leaves the deductible amount to be inserted.","quote":"IMT 22A. VOLUNTARY DEDUCTIBLE (For private cars/motorized two wheelers other than for hire or reward)\nIt is by declared and agreed that the insured having opted a voluntary deductible of Rs. | * a\nreduction in premium of Rs. .......** under Section 1 of the policy is hereby allowed. ... the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss ) the first Rs .........***","sources":[{"clause":"6(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-b-6"}],"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 PA cover pays 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, and permanent total disablement; and 50% for loss of one limb or sight of one eye. Total liability cannot exceed Rs. 15 lakhs in any one period of insurance, and the owner-driver must be the registered owner, the named insured, and hold an effective driving licence.","display":"Rs. 15 lakhs owner-driver PA; 100% death/PTD/two limbs or eyes, 50% one limb or eye; subject to registered owner, named insured and effective licence","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%\n(ii) Loss of two limbs or sight of two eyes or one | 100%\nlimb and sight of one eye\n(iii) Loss of one limb or sight of one eye | 50%\n(iv) Permanent total disablement from | 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. ... 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","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER - DRIVER","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii"},{"clause":"Section III(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-a"},{"clause":"Section III(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-a-2"},{"clause":"Section III(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-b-2"},{"clause":"Section III(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-c-2"}],"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":["Extension of Geographical Area","PERSONAL ACCIDENT COVER TO THE INSURED OR ANY NAMED PERSON OTHER THAN PAID DRIVER OR CLEANER","PERSONAL ACCIDENT TO UNNAMED PASSENGERS OTHER THAN INSURED AND THE PAID DRIVER AND CLEANER","PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND CONDUCTORS","PERSONAL ACCIDENT TO UNNAMED HIRER AND UNNAMED PILLION PASSENGERS","ELECTRICAL / ELECTRONIC FITTINGS","CNG/ LPG KIT IN BI-FUEL SYSTEM","VOLUNTARY DEDUCTIBLE","LOSS OF ACCESSORIES","LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER","LEGAL LIABILITY TO EMPLOYEES OF THE INSURED OTHER THAN PAID DRIVER","RELIABILITY TRIALS AND RALLIES","Theft and conversion Risk"],"display":"Optional endorsements include geographical extension, PA covers, electrical/electronic fittings, CNG/LPG kit, voluntary deductible, loss of accessories, legal liability covers, rallies and theft/conversion risk","note":"These are endorsements, many requiring additional premium or insertion of details.","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 ... IMT.16. PERSONAL ACCIDENT TO UNNAMED PASSENGERS OTHER THAN INSURED AND THE PAID DRIVER AND CLEANER ... IMT 17. PERSONAL ACCIDENT COVER TO PAID DRIVERS, CLEANERS AND CONDUCTORS ... IMT.18. PERSONAL ACCIDENT TO UNNAMED HIRER AND UNNAMED PILLION PASSENGERS ... IMT 22A. VOLUNTARY DEDUCTIBLE ... IMT.24. ELECTRICAL / ELECTRONIC FITTINGS ... IMT.25. CNG/ LPG KIT IN BI-FUEL SYSTEM ... IMT. 28. LEGAL LIABILITY TO PAID DRIVER AND/OR CONDUCTOR AND/OR CLEANER ... IMT. 29. LEGAL LIABILITY TO EMPLOYEES OF THE INSURED OTHER THAN PAID DRIVER ... IMT.31. RELIABILITY TRIALS AND RALLIES ... IMT. 33. LOSS OF ACCESSORIES ... IMT. 43. Theft and conversion Risk","sources":[{"clause":"6(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-b-3"},{"clause":"6(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-c-3"},{"clause":"6(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-b-6"},{"clause":"6(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6-b-7"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["under the influence of intoxicating liquor or drugs","outside the geographic area","being used otherwise than in accordance with the 'Limitations as to Use'","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the Vehicle insured 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","any claim arising out of any contractual liability","nuclear weapons material","war invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"No intoxicated driving, outside geographic area, use/driver restrictions, wear and tear/mechanical breakdown, tyres/tubes unless vehicle also damaged, accessories theft unless vehicle stolen, contractual liability, nuclear and war risks","note":null,"quote":"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. ... any accidental loss or damage and/or liability caused sustained or incurred outside the geographic area; ... being used otherwise than in accordance with the 'Limitations as to Use' ... being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause. ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown\nfailures or breakages; ... Damage to Tyres and Tubes unless the Vehicle insured is damaged at the same time in\nwhich case the liability of the Company shall be limited to 50% of the cost of replacement. ... Loss of or damage to accessories by burglary, housebreaking or theft unless the Vehicle is\nstolen at the same time; and ... any claim arising out of any contractual liability; ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"4","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-4"},{"clause":"Section III(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-c-2"},{"clause":"Section III(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-a-3"},{"clause":"Section III(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-section-iii-b-3"},{"clause":"1","heading":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-1"},{"clause":"2","heading":"Damage to Tyres and Tubes unless the Vehicle insured is damaged at the same time in","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-2"},{"clause":"3","heading":"Loss of or damage to accessories by burglary, housebreaking or theft unless the Vehicle is","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-3"},{"clause":"5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-5-2"},{"clause":"6","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-6"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The cover amount is based on IDV: the Insured's Declared Value is the sum insured, fixed at the start of each policy period from the manufacturer's listed selling price adjusted for depreciation, and treated as market value for total loss or constructive total loss.","display":"IDV basis, fixed from manufacturer listed selling price adjusted for depreciation","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and 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 vehicle insured at the commencement of insurance / renewal and adjusted for depreciation ... IDV shall be treated as the 'Market Value' throughout the policy period","sources":[{"clause":"4(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748#c-4-c"}],"law":[]}],"documents":[{"kind":"wording","label":"Future Secure Two Wheeler Policy – Bundled (IRDAI copy)","pages":26,"fetched_at":"2026-10-20 01:34:22+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN132RP0007V02201819_GEN3924.pdf/9abd3cb7-95b8-c29c-c67f-62accb0ebf7d?version=1.1&t=1668330137784&download=true","url":"https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819/document/26748"}],"versions":[{"uin":"IRDAN132RP0007V01201819","version":null,"approved_on":null},{"uin":"IRDAN132RP0007V02201819","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.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":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","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.generalicentralinsurance.com/customer-service/grievance-redressal","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":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","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":"Future Secure Two Wheeler Policy – Bundled (UIN IRDAN132RP0007V02201819), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/future-secure-two-wheeler-policy-bundled-irdan132rp0007v02201819"}