{"uin":"IRDAN134RP0002V03201819","name":"Motor Two Wheeler - Bundled","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-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":"Motor Two Wheeler - Bundled covers own damage to the insured two-wheeler, third-party liability and personal accident cover for the owner-driver up to Rs. 15 lakhs. The insured vehicle's sum insured is its IDV, and optional add-ons include depreciation waiver, return to invoice, engine protector, roadside assistance, tyre and rim secure and EV-related covers.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:36:52.057247+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named base plan variants are printed; Plan A/B/C references appear only inside optional add-ons.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance and policy schedule but does not print a fixed bundled policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Intimate the company within 15 days for own-damage partial or complete loss, and within 24 hrs for theft and fire claims. Delay may be condoned at the company's discretion if beyond the insured's control with written reasons and proof.","display":"Within 15 days for OD loss; within 24 hrs for theft and fire claims","note":null,"quote":"The insured should intimate The Company within 15 days in case of OD (partial loss and complete loss) and within 24 hrs in case of theft and fire claims of the happening of loss or damage. The Company may, in its sole discretion, condone the delay in notification of claim on merit where the delay is proved to be beyond Insured’s control, and the insured provides the Company with the reasons for delay in writing along with reasonable proof.","sources":[{"clause":null,"heading":"Claim Procedure","page":30,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-claim-procedure"}],"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":["Claim Form","Vehicle Registration Certificate (RC Book)","Driving Licence of Driver at the time of Loss","Estimate","Address Proof- Electric Bill / Voter Card/ Passport / Adhar Card","Identity Proof- Adhar Card / Pan Card","CKYC form","Discharge cum Satisfaction Voucher","Payment Receipt (If non cashless case)","Neft Mandate Form / Cancel CTS Chq / Passbook","Police FIR copy (in case of Full theft or TP injury) and also in case of any malicious act","Punchanama (in case of Partial Theft or TP injury)","Postmortem Report (In case of driver death)","MLC report (In case of Driver / passenger Injury/Driver death)","Repair Bill (After completion of repair work)"],"display":"Claim form, RC, driving licence, estimate, address and identity proof, CKYC, discharge voucher, payment proof for non-cashless claims, NEFT details, FIR/Punchnama where applicable, medical/death reports where applicable, and repair bill","note":"Additional documents may be asked depending on the claim merits.","quote":"➢ Claim Form ➢ Vehicle Registration Certificate (RC Book), ➢ Driving Licence of Driver at the time of Loss ➢ Estimate ➢ Address Proof- Electric Bill / Voter Card/ Passport / Adhar Card ➢ Identity Proof- Adhar Card / Pan Card ➢ CKYC form ➢ Discharge cum Satisfaction Voucher ➢ Payment Receipt (If non cashless case) ➢ Neft Mandate Form / Cancel CTS Chq / Passbook ➢ Police FIR copy (in case of Full theft or TP injury) and also in case of any malicious act ➢ Punchanama (in case of Partial Theft or TP injury)\n➢ Postmortem Report (In case of driver death) ➢ MLC report (In case of Driver / passenger Injury/Driver death) ➢ Repair Bill (After completion of repair work)","sources":[{"clause":null,"heading":"List of Documents","page":32,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-list-of-documents"}],"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":"quote-verified","value":"For own-damage claims, surveyor appointment and survey completion are within 24hrs each, survey report submission is within 15 days from survey, settlement or claim decision is within 7 days from receipt of the surveyor report, and non-cashless claim payment is within 15 days of receipt of the last relevant and necessary document. For owner-driver PA claims, investigator appointment and first visit are within 24hrs each, report submission is within 15 days from first visit, settlement or claim decision is within 7 days from receipt of the last document, and payment is within 15 days of receipt of the last relevant and necessary document.","display":"OD: decision within 7 days from surveyor report; non-cashless payment within 15 days of last relevant document. PA: decision within 7 days of last document; payment within 15 days of last relevant document","note":null,"quote":"Turn-around time (TAT) for claim settlement:\n• Loss of or damage to the vehicle insured\nSurveyor appointment- within 24hrs from Claim Intimation Survey Completion- within 24hrs of Surveyor appointment Surveyor report submission- within 15 days from Date of Survey Settlement / Claim decision- within 7 days from date of receipt of surveyor report Claim Payment to Insured in case of Non-Cashless – Claims shall be settled within 15 days of receipt of or the last relevant and necessary document.\n• Personal accident cover for owner-driver\nInvestigator appointment- within 24hrs from Claim Intimation Investigator First Visit- within 24hrs of Investigator appointment Investigators report submission- within 15 days from Date of First Visit. Settlement / Claim decision- within 7 days from date of receipt of Last Document Claim Payment to Nominee / Legel Hier –Claims shall be settled within 15 days of receipt of the last relevant and necessary document.","sources":[{"clause":null,"heading":"List of Documents - Personal Accident Cover For Owner-Driver","page":34,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-list-of-documents-personal-accident-cover-for-ow"}],"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 is damaged at the same time","Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time","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 drug","Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical 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 radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations"],"display":"Consequential loss, wear and tear, breakdowns, tyres/tubes unless vehicle is also damaged, accessory theft unless vehicle stolen, intoxication, outside geographical area, contractual liability, wrong use, non-permitted driver, radiation, nuclear weapons material and war risks","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages\nb) Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.\nc) Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time ,and\nd) 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 drug. ... 1 | Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;\n2 | Any claim arising out of any contractual liability\n3 | any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is a. being used otherwise than in accordance with the ‘Limitations as to Use’ 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. ... 5 | Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.\nAny accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-5"},{"clause":null,"heading":"The Company shall not be liable under this policy in respect of","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-the-company-shall-not-be-liable-under-this-polic"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First write to Customer Service at Universal Sompo General Insurance Co. Ltd. or email grievance@universalsompo.com, or visit a branch and request the branch Grievance Redressal Officer. If not satisfied or no response is received, write or email to the GRO at GRO@universalsompo.com.","display":"Customer Service / grievance@universalsompo.com first; then GRO@universalsompo.com if not satisfied or no response","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, you can address Your grievance as follows:\nResolving Issue:\nWrite to:\nCustomer Service Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email: grievance@universalsompo.com For More details, visit – www.universalsompo.com Visit Branch Grievance Redressal Officer (GRO) - Walk into any of our nearest branches and request to meet the GRO. ... In case, the customer is not satisfied with the decision/resolution of the above office or have not received any response, he/she may write or email/mail to:\nCustomer Service Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708\nEmail ID: | GRO@universalsompo.com","sources":[{"clause":null,"heading":"List of Documents - Personal Accident Cover For Owner-Driver","page":34,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-list-of-documents-personal-accident-cover-for-ow"},{"clause":null,"heading":"Grievance Redressal Officer","page":36,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-grievance-redressal-officer"}],"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","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood and storm perils, accidental external means, malicious act, terrorism, transit and landslide/rockslide","note":null,"quote":"The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon\ni) 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.","sources":[{"clause":"Section I","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel at any time by informing the company. If the term is up to one year and no claim has been made, the company refunds proportional premium for the unexpired policy period; for terms over 12 months, it refunds premium for unexpired policy years where risk coverage has not commenced.","display":"Proportional refund for unexpired period if term is up to one year and no claim; for terms over 12 months, refund for unexpired policy years whose risk has not commenced","note":"Motor third-party insurance may be cancelled only on specified grounds such as double insurance or total/constructive total loss.","quote":"CANCELLATION The insured can cancel the policy at any time during the term, by informing the Company. In case the Policyholder cancels the policy, he/ she is not required to give reasons for cancellation. In such case of cancelation, the Company will refund proportional premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period. In case the term of the policy is more than 12 months, the Company will refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":null,"heading":"CONDITIONS","page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-conditions"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The documents exclude loss outside the geographical area and contain an endorsement for extension, but the base geographical area is not printed in the supplied clauses.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Section I Own Damage","Section II Liability to Third Parties","Long- Term-Third- Party Liability Only Policy"],"display":"Bundled own damage and liability to third parties; if own damage is not renewed or lapses, the remaining period operates as long-term third-party liability only","note":null,"quote":"Indemnity Basis: Section I Own Damage and Section II Liability to Third Parties Benefit Basis: Section III Personal Accident Cover for Owner-driver (if Opted and shown in the Policy Schedule) ... NOTE: In the event that the policy holder\n1. Does not renew the Own Damage cover with the company, or\n2. Purchase Own Damage cover from another insurer, or\n3. Allows Own Damage cover to lapse without renewal Then, for the remaining period of the policy, this contract shall operate and be construed strictly as a Long- Term-Third- Party Liability Only Policy, in accordance with applicable statutory provisions.","sources":[{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-row-3"},{"clause":"5","heading":"The Company may at its own option","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-5-2"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability arising from use of the vehicle for death or bodily injury to any person, including eligible occupants, and for damage to third-party property. The CIS states third-party death/bodily injury has no limit.","display":"Covers third-party death/bodily injury and property damage; death/bodily injury has No Limit","note":"Property-damage limit is as per schedule/selected option; the answer does not rely on inconsistent property-damage figures in lower summaries.","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. ... For Third Party Death / bodily injury – No Limit (Motor Accidents Claim Tribunal decides the third-party insurance claim amount)","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-1-2"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-1-i"},{"clause":"1(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-1-ii"},{"clause":"Section II","heading":"Liability to Third Party","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-section-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 (IDV) is deemed the sum insured and is fixed at the start of each policy period. It is based on the manufacturer's listed selling price for the vehicle brand and model, adjusted for depreciation, and is treated as market value throughout the policy period for total loss or constructive total loss claims.","display":"IDV is the sum insured, fixed at commencement, based on manufacturer’s listed selling price adjusted for depreciation; treated as market value for TL/CTL","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.\nThe 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 (as per schedule below). ... 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.","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#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/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"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; nil for glass; and for other parts it ranges from nil for vehicles not exceeding 6 months to 50% for vehicles exceeding 10 years. Painting depreciation is 50% on material cost only; if painting is billed as a consolidated amount, the material component is treated as 25% of total painting charges.","display":"Parts depreciation: 50% rubber/nylon/plastic/tyres/tubes/batteries/air bags, 30% fibre glass, Nil glass; other parts 0% to 50% by vehicle age; painting 50% on material cost","note":null,"quote":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50% ... For fibre glass components - 30% ... For all parts made of glass - Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot 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% ... 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. 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":"1","heading":"For all rubber/ nylon / plastic parts, tyres and tubes, batteries and air bags - 50%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#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":"quote-verified","value":"No Claim Bonus is a discount on the own-damage section if no claim is made or pending during preceding claim-free years: 20% after the preceding full year, 25% after 2 consecutive years, 35% after 3, 45% after 4 and 50% after 5. If a Section I claim is made, NCB reverts to nil at the next renewal, and NCB is allowed only if the policy is renewed within 90 days of expiry.","display":"20% to 50% OD premium discount for claim-free years; reverts to NIL after a Section I claim; renewal must be within 90 days","note":null,"quote":"The insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the policy, if no claim is made or pending during the preceding year (s), as per the following table:\nNumber of claim free years | NCB discount % on Own\nDamage premium\nNo claim made or pending during the preceding full year of insurance | 20%\nNo claim made or pending during the preceding 2 consecutive years of insurance | 25%\nNo claim made or pending during the preceding 3 consecutive years of insurance | 35%\nNo claim made or pending during the preceding 4 consecutive years of insurance | 45%\nNo claim made or pending during the preceding 5 consecutive years of insurance | 50% ... NB 1: If a claim is made under Section I during the currency of the policy, the No Claim Bonus discount reverts to NIL at the next renewal. ... NB 2: No Claim Bonus will be allowed provided the Policy is renewed within 90 days of the expiry date of the previous policy.","sources":[{"clause":null,"heading":"NO CLAIM BONUS","page":29,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-no-claim-bonus"}],"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 or uses blanks to insert the amount; no fixed compulsory deductible amount is printed in the supplied product clauses.","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 can be opted for private cars and motorized two wheelers other than for hire or reward. The wording uses blanks for the voluntary deductible amount and premium reduction, so the actual amount depends on the policy/endorsement.","display":"Optional voluntary deductible; amount inserted in the endorsement/policy","note":"No fixed rupee options are printed in the product wording.","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 reduction in premium of Rs. .......** under Section 1 of the policy is hereby allowed. In consideration of the above, it is hereby understood and agreed that 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":null,"heading":"IMT.22. COMPULSORY DEDUCTIBLE","page":47,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-imt-22-compulsory-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The owner-driver personal accident cover pays compensation for death or specified permanent disablement caused by violent accidental external and visible means in direct connection with the insured vehicle, with total liability not exceeding Rs. 15 lakhs during any one period of insurance. The owner-driver must be the registered owner, named insured and hold an effective driving licence at the time of accident.","display":"Owner-driver PA cover up to Rs. 15 lakhs; death/PTD 100%, loss of one limb or one eye 50%; subject to registered-owner/named-insured/effective-licence conditions","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, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst traveling in it as a co-driver, caused by violent accidental external and visible means ... i) Death | 100%\nii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\niii)Loss of one limb or sight of one eye | 50%\niv)Permanent total disablement from injuries other than named above | 100% ... total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance. ... a) The owner-driver is the registered owner of the vehicle insured herein;\nb) The owner-driver is the insured named in this policy.\nc) The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.","sources":[{"clause":null,"heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-personal-accident-cover-for-owner-driver"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-1-3"},{"clause":null,"heading":"This cover is subject to","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-this-cover-is-subject-to"}],"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":["Depreciation Waiver","Return to Invoice","Key Replacement","Cost of Consumable","Secure Towing (Higher Towing & Removal Costs)","Engine Protector","NCB Protector","Daily Cash Allowances Benefit","Roadside Assistance Cover","Accidental Hospitalization Clause For Family","Hospital Daily Cash Cover","Loss Of Driving License/ Registration Certification","Insurance at manufacturing selling price","Additional Personal Accident Cover","Battery Protect Cover","Power Cable and Charger Cover","Vehicle Cyber Protection","Battery Charging Support Cover","Tyre & Rim Secure","EMI Protection","Emergency Assistance Services","Electric Motor Protect Cover","Accidental Hospitalisation for Occupants","Multi-damage","Eco Depreciation Waiver","2X Sum insured","Driving Train Protect","Helmet Cover"],"display":"Depreciation Waiver, Return to Invoice, Key Replacement, Cost of Consumable, Secure Towing, Engine Protector, NCB Protector, Daily Cash Allowance, Roadside Assistance, hospitalisation and PA add-ons, EV battery/charger/cyber/charging/motor covers, Tyre & Rim Secure, EMI Protection, Emergency Assistance, Multi-damage, Eco Depreciation Waiver, 2X Sum insured, Driving Train Protect and Helmet Cover","note":"Only add-ons opted and mentioned in the policy schedule apply; add-ons are not treated as base cover.","quote":"Following Add-on covers are applicable under your policy. (Only Add- On covers opted by you and mentioned in the policy schedule will be applicable to your Policy) 1. Depreciation Waiver ... 3. Key Replacement ... 4 Cost of Consumable ... 5 Secure Towing (Higher Towing & Removal Costs) ... 6 Engine Protector ... 7 NCB Protector ... 8 Daily Cash Allowances Benefit ... 9 Roadside Assistance Cover ... 10 Accidental Hospitalization Clause For Family ... 11 Hospital Daily Cash Cover ... 12 Loss Of Driving License/ Registration Certification ... 13 Insurance at manufacturing selling price ... 14 Additional Personal Accident Cover ... 15 Battery Protect Cover ... 16 Power Cable and Charger Cover ... 17 Vehicle Cyber Protection ... 18 Battery Charging Support Cover ... 19 Tyre & Rim Secure ... 20 EMI Protection ... 21 Emergency Assistance Services ... 22 Electric Motor Protect Cover ... 23 Accidental Hospitalisation for Occupants ... 24 Multi-damage ... 25 Eco Depreciation Waiver ... 26. 2X Sum insured ... 27 Driving Train Protect ... 28 Helmet Cover","sources":[{"clause":"3","heading":"Personal accident cover for owner-driver (if opted and shown in the Section III - Personal","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-3"},{"clause":null,"heading":"3. Key Replacement","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-3-key-replacement"},{"clause":"4","heading":"Cost of Consumable","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-4"},{"clause":"5","heading":"Secure Towing (Higher Towing & Removal Costs)","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-5"},{"clause":"6","heading":"Engine Protector","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-6"},{"clause":"7","heading":"NCB Protector","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-7"},{"clause":"8","heading":"Daily Cash Allowances Benefit","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-8"},{"clause":"9","heading":"Roadside Assistance Cover","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-9"},{"clause":"10","heading":"Accidental Hospitalization Clause For Family","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-10"},{"clause":"11","heading":"Hospital Daily Cash Cover","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-11"},{"clause":"12","heading":"Loss Of Driving License/ Registration Certification","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-12"},{"clause":"13","heading":"Insurance at manufacturing selling price","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-13"},{"clause":"14","heading":"Additional Personal Accident Cover","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-14"},{"clause":"15","heading":"Battery Protect Cover","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-15"},{"clause":"16","heading":"Power Cable and Charger Cover","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-16"},{"clause":"17","heading":"Vehicle Cyber Protection","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-17"},{"clause":"18","heading":"Battery Charging Support Cover","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-18"},{"clause":"19","heading":"Tyre & Rim Secure","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-19"},{"clause":"20","heading":"EMI Protection","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-20"},{"clause":"21","heading":"Emergency Assistance Services","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-21"},{"clause":"22","heading":"Electric Motor Protect Cover","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-22"},{"clause":"23","heading":"Accidental Hospitalisation for Occupants","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-23"},{"clause":"24","heading":"Multi-damage","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-24"},{"clause":"25","heading":"Eco Depreciation Waiver","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-25"},{"clause":null,"heading":"26. 2X Sum insured","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-26-2x-sum-insured"},{"clause":"27","heading":"Driving Train Protect","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-27"},{"clause":"28","heading":"Helmet Cover","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-28"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repair is available through network garages: after repair invoice submission in a cashless claim, a delivery order is shared with the workshop and the claim amount is paid directly to the network garage.","display":"Yes, cashless claims at network garages","note":null,"quote":"Upon submission of repair invoice to Insurance Company in case of cashless claims, delivery order is shared with workshop, post which Insured can take delivery of vehicle. The insurance claim amount will be paid directly to the network garage.","sources":[{"clause":null,"heading":"Section ||| - Personal Accident Cover For Owner-Driver (if opted and","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-section-personal-accident-cover-for-owner-driver"}],"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":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","Damage to tyres and tubes unless the vehicle is damaged at the same time","Loss 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 drug","outside the geographical 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 radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","The driver at the time of accident holds a valid & effective driving license"],"display":"Wear and tear, breakdowns, tyres/tubes unless vehicle also damaged, accessory theft unless vehicle stolen, intoxication, outside geographical area, contractual liability, wrong use, unauthorized/non-valid driver, radiation/nuclear and war risks","note":"The valid-licence item is printed as an admissibility condition rather than in the exclusion list.","quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages\nb) Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.\nc) Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time ,and\nd) 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 drug. ... 1 | Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;\n2 | Any claim arising out of any contractual liability\n3 | any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is a. being used otherwise than in accordance with the ‘Limitations as to Use’ 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. ... The driver at the time of accident holds a valid & effective driving license.","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-5"},{"clause":null,"heading":"The Company shall not be liable under this policy in respect of","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-the-company-shall-not-be-liable-under-this-polic"},{"clause":"7","heading":"We will not cover any accidental loss, damage, or liability caused directly","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567#c-7-2"}],"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 sum insured is the vehicle's Insured's Declared Value (IDV), fixed at the start of each policy period on the basis of the manufacturer's listed selling price for the brand and model, adjusted for depreciation.","display":"IDV basis, using manufacturer’s 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.\nThe 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 (as per schedule below).","sources":[{"clause":null,"heading":"SUM INSURED – INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Two Wheeler - Bundled - Policy Wordings","pages":53,"fetched_at":"2026-10-17 20:07:53+00","source_url":"https://www.universalsompo.com/assets/file/motor-two-wheeler-bundled/motor-two-wheeler-bundled-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17570"},{"kind":"wording","label":"Motor Two Wheeler - Bundled (IRDAI copy)","pages":22,"fetched_at":"2026-10-20 00:42:45+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0002V01201819_GEN2873.pdf/3a64d2a9-4e51-ed96-0203-3a2710caf3cb?version=1.1&t=1668701562611&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/24405"},{"kind":"prospectus","label":"Motor Two Wheeler - Bundled - Prospectus / Brochure","pages":44,"fetched_at":"2026-10-17 20:07:47+00","source_url":"https://www.universalsompo.com/assets/file/motor-two-wheeler-bundled/motor-two-wheeler-bundled-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17563"},{"kind":"cis","label":"Motor Two Wheeler - Bundled - CIS","pages":20,"fetched_at":"2026-10-17 20:07:56+00","source_url":"https://www.universalsompo.com/assets/file/motor-two-wheeler-bundled/motor-two-wheeler-bundled-cis.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17567"},{"kind":"rider","label":"Motor Two Wheeler - Bundled - Adds On","pages":29,"fetched_at":"2026-10-17 20:02:11+00","source_url":"https://www.universalsompo.com/assets/file/motor-two-wheeler-bundled/motor-two-wheeler-bundled-addons.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819/document/17411"}],"versions":[{"uin":"IRDAN134RP0002V01201819","version":null,"approved_on":null},{"uin":"IRDAN134RP0002V03201819","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.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":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","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.universalsompo.com/resourse-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":"Renew now","url":"https://www.universalsompo.com/renew-now/","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":"Motor Two Wheeler - Bundled (UIN IRDAN134RP0002V03201819), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-two-wheeler-bundled-irdan134rp0002v03201819"}