{"uin":"IRDAN134RP0004V03200708","name":"Motor Private Car","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708","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-car","category_name":"Car insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Motor Private Car is a private car package policy with own damage and third-party liability cover. It uses IDV as the sum insured and offers owner-driver personal accident cover up to Rs. 15 lakhs if opted and shown in the policy schedule.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:29:14.871857+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The base policy does not name plan variants; some optional add-ons have their own plans.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy covers 1 year own damage and 1 year third party liability cover.","display":"1 year Own Damage and 1 Year Third Party Liability cover","note":null,"quote":"The Policy covers 1 year Own Damage and 1 Year Third Party Liability cover","sources":[{"clause":null,"heading":"What does this Policy cover?","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17571#c-what-does-this-policy-cover"}],"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":"The insured should intimate the company within 15 days for own-damage partial or complete loss and within 24 hrs for theft and fire claims.","display":"Within 15 days for OD partial/complete loss; within 24 hrs for theft and fire claims","note":"The company may condone delay on merits if delay is beyond the insured's control and reasons with proof are given in writing.","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.","sources":[{"clause":"Section IX","heading":"CLAIM PROCEDURE","page":43,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-section-ix"}],"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 receipt if non-cashless, NEFT details, FIR where applicable, Punchanama, postmortem/MLC where applicable, and repair bill","note":"Additional documents are listed for total loss, constructive total loss, hypothecated cases and PA owner-driver claims.","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) ➢ 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":47,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#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 vehicle claims, 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.","display":"OD claim decision within 7 days from surveyor report; non-cashless payment within 15 days of last relevant and necessary document","note":"The same clause says surveyor appointment is within 24hrs from claim intimation, survey completion within 24hrs of surveyor appointment, and surveyor report submission within 15 days from date of survey.","quote":"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 the last relevant and necessary document.","sources":[{"clause":null,"heading":"Loss Of Or Damage To The Vehicle Insured","page":46,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-loss-of-or-damage-to-the-vehicle-insured"}],"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","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 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/breakdown, tyre/tube damage unless the vehicle is damaged, drunk/drugged driving, outside geographical area, contractual liability, use outside limitations, driver not as stated, radiation/nuclear, and war risks","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages b) 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. c) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... 1 | Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; 2 | Any claim arising out of any contractual liability 3 | any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is a. being used otherwise than in accordance with the ‘Limitations as to Use’ 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 ... ionising radiations or contamination by radioactivity ... 5 | Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material 6 | Any 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-private-car-irdan134rp0004v03200708/document/17579#c-5"},{"clause":"Section V","heading":"GENERAL EXCLUSIONS (APPLICABLE TO ALL SECTIONS OF POLICY) The Company shall not be liable under this policy in respect of","page":40,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-section-v"}],"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., Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708, email grievance@universalsompo.com, or visit a branch GRO. If not satisfied or no response, write or email the Grievance Redressal Officer at the same address, Email ID GRO@universalsompo.com.","display":"Customer Service / branch GRO first; then Grievance Redressal Officer at GRO@universalsompo.com","note":"The policy then refers to the Bima Bharosa portal and Insurance Ombudsman.","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: Resolving Issue Write to: Customer 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 ... Visit Branch Grievance Redressal Officer (GRO) - Walk into any of our nearest branches and request to meet the GRO. Grievance Redressal Officer 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: Customer 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 ID: GRO@universalsompo.com","sources":[{"clause":"Section IX","heading":"GRIEVANCE REDRESSAL","page":49,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-section-ix-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["by fire explosion self ignition or lightning","by burglary housebreaking or theft","by riot and strike","by earthquake (fire and shock damage)","by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","by accidental external means","by malicious act","by terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","by landslide rockslide"],"display":"Fire/explosion/self-ignition/lightning; burglary/housebreaking/theft; riot and strike; earthquake; flood/storm perils; accidental external means; malicious act; terrorist activity; transit; 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 hereon; i) by fire explosion self ignition or lightning ; ii) by burglary housebreaking or theft ; iii) by riot and strike; iv) by earthquake (fire and shock damage); v) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; vi) by accidental external means; vii) by malicious act; viii) by terrorist activity; ix) whilst in transit by road rail inland-waterway lift elevator or air; x) by landslide rockslide.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#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 can cancel at any time during the term by informing the company. If there is no claim during the policy period, the company refunds proportional premium for the unexpired policy period.","display":"Proportional premium for unexpired policy period if no claim is made","note":"No Motor Third Party Insurance may be cancelled except on specified grounds such as double insurance or vehicle not in use because of total loss/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 there is no claim(s) made during the policy period.","sources":[{"clause":"Section VII","heading":"CONDITIONS","page":40,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-section-vii"}],"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 policy excludes loss outside the geographical area but the supplied clauses do not define the base geographical area. Assistance add-ons mention mainland India, but that is not the base motor cover.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Own Damage and Third Party Liability package"],"display":"Package policy with 1 year Own Damage and 1 Year Third Party Liability cover","note":"The supplied wording is for a package policy; the policy documents do not present this base product as standalone own damage only or third-party only.","quote":"The Policy covers 1 year Own Damage and 1 Year Third Party Liability cover ... Motor Private Car - Package Policy Wording","sources":[{"clause":null,"heading":"What does this Policy cover?","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17571#c-what-does-this-policy-cover"},{"clause":null,"heading":"IMT. 27. LIABILITY AND FIRE AND/OR THEFT","page":57,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-imt-27-liability-and-fire-and-or-theft"}],"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 occupants, and damage to property other than property belonging to or held by the insured. The prospectus states third-party injury/death is unlimited and third-party property damage is Rs.6000/Rs. 7.5 lakhs.","display":"Third-party death/injury: Unlimited; third-party property damage: Rs.6000/Rs. 7.5 lakhs","note":"The policy wording says liability is subject to limits in the Schedule; the prospectus prints the third-party injury/death and property-damage limits.","quote":"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 ... ii) Damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured. ... Third party (Injury / Death) | Unlimited Third Party Property Damage | Rs.6000/Rs. 7.5 lakhs","sources":[{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-1-2"},{"clause":"1(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-1-i"},{"clause":"1(ii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-1-ii"},{"clause":null,"heading":"Extent of Insurance Covers","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17571#c-extent-of-insurance-covers"}],"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 the sum insured, fixed at the commencement of each policy period. It is based on the manufacturer’s listed selling price adjusted for depreciation, is treated as market value throughout the policy period for total loss and constructive total loss claims, and CTL applies if retrieval and/or repair exceeds 75% of IDV.","display":"IDV is the sum insured; manufacturer’s listed selling price adjusted for depreciation; CTL if retrieval/repair exceeds 75% of IDV","note":"For vehicles beyond 5 years of age and obsolete models, IDV is determined by understanding between insurer and insured.","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 without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims. The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":null,"heading":"SUM INSURED, INSURED’S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#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-private-car-irdan134rp0004v03200708/document/17579#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, rubber/nylon/plastic parts, tyres and tubes, batteries and air bags have 50% depreciation; fibre glass components 30%; glass Nil. Other parts including wooden parts follow an age schedule from Nil up to 50%, and painting applies 50% depreciation only on material cost, with material taken as 25% of a consolidated painting bill.","display":"Parts depreciation: rubber/nylon/plastic, tyres/tubes, batteries and air bags 50%; fibre glass 30%; glass Nil; other parts Nil to 50% by vehicle age; painting 50% on material cost","note":"This is the base own-damage depreciation; optional depreciation waiver add-ons can change this if purchased.","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 Not exceeding 6months | Nil Exceeding 6months but not exceeding 1 year | 5% Exceeding 1 year but not exceeding 2 years | 10% Exceeding 2 years but not exceeding 3 years | 15% Exceeding 3 years but not exceeding 4 years | 25% Exceeding 4 years but not exceeding 5 years | 35% Exceeding 5 years but not exceeding 10 years | 40% Exceeding 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-private-car-irdan134rp0004v03200708/document/17579#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#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 on own-damage premium is 20% after one claim-free preceding year, 25% after two consecutive years, 35% after three, 45% after four, and 50% after five. If a Section I claim is made, the NCB reverts to NIL at next renewal; renewal must be within 90 days of expiry.","display":"20%, 25%, 35%, 45%, 50% for 1 to 5 claim-free years; reverts to NIL after a Section I claim","note":null,"quote":"Claims under Section I | % Discount on OD premium No claim made or pending during the preceding year | 20% No claim made or pending during preceding Two consecutive years | 25% No claim made or pending during preceding Three consecutive years | 35% No claim made or pending during preceding Four consecutive years | 45% No claim made or pending during preceding Five consecutive years | 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":"Section VIII","heading":"NO CLAIM BONUS (NCB)","page":43,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-section-viii"}],"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 as stated in the schedule, but the supplied clauses do not print the fixed compulsory deductible amount.","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":"The insured can opt for an additional deductible and bear a specified percentage of the claim amount subject to a minimum amount for each own-damage claim before the insurer's liability attaches; the applicable amount is stated in the policy schedule.","display":"Optional additional deductible: specified percentage of claim amount subject to a minimum amount, per own-damage claim","note":"The document does not print the deductible amount; it points to the Policy Schedule.","quote":"ADDITIONAL DEDUCTIBLE: The insured can opt for an additional deductible and agrees to bear a specified percentage of claim amount subject to a minimum amount, for each and every claim under the Own Damage section before the insurer’s liability attaches. The applicable amount of additional deductible shall be as stated in the Policy Schedule.","sources":[{"clause":"Section VI","heading":"DEDUCTIBLE","page":40,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-section-vi"}],"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 PA cover pays compensation for accidental bodily injury or death connected with the insured vehicle, with total liability not exceeding Rs. 15 lakhs during any one period of insurance. It is subject to the owner-driver being the registered owner, named insured and holding an effective driving licence.","display":"Owner-driver PA up to Rs. 15 lakhs; death 100%, two limbs/two eyes or one limb and one eye 100%, one limb/one eye 50%, permanent total disablement 100%","note":"The CIS describes PA owner-driver as applicable if opted and shown in the policy schedule.","quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle ... Nature of Injury | Scale of Compensation i) Death | 100% ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% iii)Loss of one limb or sight of one eye | 50% iv)Permanent total disablement from injuries other than named above | 100% ... the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance. ... a) The owner-driver is the registered owner of the vehicle insured herein; b) The owner-driver is the insured named in this policy. c) The owner-driver holds an effective driving license","sources":[{"clause":"Section III","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-section-iii"},{"clause":null,"heading":"This cover is subject to","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Yes. For cashless claims, the insurance claim amount is paid directly to the network garage after repair invoice submission and delivery order to the workshop.","display":"Yes, cashless service at network garage; claim amount paid directly to the network garage","note":null,"quote":"Details of procedure to be followed for cashless service as well as for reimbursement of claim ... 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-","page":11,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17574#c-section-personal-accident-cover-for-owner"}],"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","under the influence of intoxicating liquor or drugs","outside the geographical area","Any claim arising out of any contractual liability","being used otherwise than in accordance with the ‘Limitations as to Use’","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 vehicle shall not be left unattended without proper precautions","if the vehicle be driven before the necessary repairs are effected"],"display":"Wear and tear/breakdown, tyre/tube damage unless vehicle is also damaged, drunk/drugged driving, outside geographical area, contractual liability, use outside limitations, unapproved driver, radiation/nuclear, war risks, leaving the vehicle unattended, and driving before repairs","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages b) Damage to tyres and tubes unless the vehicle is damaged at the same time ... c) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... 1 | Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; 2 | Any claim arising out of any contractual liability 3 | any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is a. being used otherwise than in accordance with the ‘Limitations as to Use’ 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 ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... the vehicle shall not be left unattended without proper precautions being taken to prevent further damage or loss and if the vehicle be driven before the necessary repairs are effected any extension of the damage or any further damage to the vehicle shall be entirely at the insured's own risk.","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-5"},{"clause":"Section V","heading":"GENERAL EXCLUSIONS (APPLICABLE TO ALL SECTIONS OF POLICY) The Company shall not be liable under this policy in respect of","page":40,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-section-v"},{"clause":"Section VII","heading":"CONDITIONS","page":40,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579#c-section-vii"}],"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 basis is the Insured’s Declared Value (IDV). IDV is fixed at commencement of each policy period based on the manufacturer’s listed selling price adjusted for depreciation; vehicles beyond 5 years and obsolete models are valued by understanding between insurer and insured, and IDV is treated as market value for TL/CTL claims.","display":"IDV based on 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. 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 of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the insured. 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-private-car-irdan134rp0004v03200708/document/17579#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-private-car-irdan134rp0004v03200708/document/17579#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Private Car - Policy Wordings","pages":60,"fetched_at":"2026-10-17 20:08:08+00","source_url":"https://www.universalsompo.com/assets/file/motor-private-car/motor-private-car-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17579"},{"kind":"prospectus","label":"Motor Private Car - Prospectus / Brochure","pages":49,"fetched_at":"2026-10-17 20:08:01+00","source_url":"https://www.universalsompo.com/assets/file/motor-private-car/motor-private-car-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17571"},{"kind":"cis","label":"Motor Private Car - CIS","pages":15,"fetched_at":"2026-10-17 20:08:11+00","source_url":"https://www.universalsompo.com/assets/file/motor-private-car/motor-private-car-cis.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17574"},{"kind":"rider","label":"Motor Private Car - Adds On","pages":36,"fetched_at":"2026-10-17 20:02:27+00","source_url":"https://www.universalsompo.com/assets/file/motor-private-car/motor-private-car-addon.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708/document/17417"}],"versions":[],"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 Private Car (UIN IRDAN134RP0004V03200708), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-private-car-irdan134rp0004v03200708"}