{"uin":"IRDAN134RP0008V02201617","name":"Two Wheeler Long Term Package Policy (TWLTPP)","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Two Wheeler Long Term Package Policy covers own damage to the insured two-wheeler and liability to third parties, with policy terms of 2 Year or 3 Year. It uses IDV as the sum insured and includes owner-driver personal accident cover up to Rs. 15 lakhs.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:30:52.117759+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"2 Year or 3 Year long-term policy terms are shown.","display":"2 Year or 3 Year","note":null,"quote":"Long Term Policy with Policy Term | Additional Discount ... 2 Year | 5% ... 3 Year | 10%","sources":[{"clause":null,"heading":"ADDITIONAL LONG-TERM DISCOUNT","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-additional-long-term-discount"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"conflicting","value":"The insured should intimate the Company within 15 days for OD partial or complete loss and within 24 hrs for theft and fire claims.","display":"Within 15 days for OD; within 24 hrs for theft and fire claims","note":"CIS says: 'If the claim is for theft, insured should report to the Police as well as insurer within 48 hrs from theft and obtain an FIR or a written acknowledgement from the Police authorities.'","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. ... If the claim is for theft, insured should report to the Police as well as insurer within 48 hrs from theft and obtain an FIR or a written acknowledgement from the Police authorities.","sources":[{"clause":null,"heading":"Claim Procedure","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-claim-procedure"},{"clause":"7","heading":"We will not cover any accidental loss, damage, or liability caused directly","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17517#c-7"}],"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)","Punchanama (in case of Partial Theft or TP injury)","Repair Bill (After completion of repair work)"],"display":"Claim Form, RC Book, driving licence, estimate, address and identity proof, CKYC, discharge voucher, payment/NEFT documents, FIR/Punchanama where applicable, and repair bill","note":null,"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) ... ➢ Repair Bill (After completion of repair work)","sources":[{"clause":null,"heading":"List of Documents","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#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 loss or damage to the vehicle, settlement/claim decision is within 7 days from receipt of surveyor report and non-cashless claim payment is within 15 days of receipt of the last relevant and necessary document. For PA owner-driver claims, settlement/claim decision is within 7 days from receipt of 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; payment within 15 days of last relevant and necessary document","note":null,"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.” ... 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":"Please Note-","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-please-note"}],"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, tyre/tube damage unless vehicle also damaged, accessories theft unless vehicle stolen, intoxicating liquor or drug, outside geographical area, contractual liability, improper use or driver, nuclear/radiation 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 ... c) Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time, and ... d) 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; ... 2 | Any claim arising out of any contractual liability ... being used otherwise than in accordance with the ‘Limitations as to Use’ ... being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause ... ionising radiations or contamination by radioactivity ... nuclear weapons material ... 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/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-5"},{"clause":null,"heading":"General Exclusions (Applicable to all sections of Policy)","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-general-exclusions-applicable-to-all-sections-of"}],"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., Airoli, Navi Mumbai, email grievance@universalsompo.com, or visit a branch Grievance Redressal Officer. If not satisfied or no response is received, write or email Customer Service/GRO at GRO@universalsompo.com.","display":"First Customer Service / branch GRO at grievance@universalsompo.com; then GRO@universalsompo.com","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: 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. ... 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: ... Email ID: | GRO@universalsompo.com","sources":[{"clause":null,"heading":"Please Note-","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-please-note"},{"clause":null,"heading":"Grievance Redressal Officer","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#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, theft, riot/strike, earthquake, flood/storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"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":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#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 without giving reasons. For terms up to one year, proportional premium for the unexpired period is refunded if no claim has been made; for terms over 12 months, premium is refunded only for unexpired policy years where risk coverage has not commenced, with separate rules for total loss/theft/cash loss and double insurance.","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 not yet commenced","note":"Statutory Motor Third Party Liability insurance cannot be cancelled except as stated for double insurance or total loss/Cash loss.","quote":"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. ... 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. ... Cancellation due to Total Loss/Total Theft/ Cash loss of Vehicle/ Double insurance ... Return of the premium by the company will be subject to retention of the minimum premium of Rs.100/-","sources":[{"clause":"2(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-2-c-2"},{"clause":"2(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-2-c-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes loss outside the geographical area but does not define the base geographical area in the provided 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":["Two Wheeler Long Term Package Policy","Own Damage and Liability to Third Parties"],"display":"Package policy with Own Damage and Liability to Third Parties","note":null,"quote":"Two Wheeler Long Term Package Policy ... 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)","sources":[{"clause":"Row 1","heading":"Name of Insurance Product","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17517#c-row-1"},{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17517#c-row-3"}],"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":"conflicting","value":"The product covers third-party injury/death as Unlimited and third-party property damage as Rs.6000/Rs. 1 lakhs in the prospectus.","display":"Third party injury/death Unlimited; property damage Rs.6000/Rs. 1 lakhs","note":"CIS says: 'Third Party Property Damage- <<Rs 6000/Rs. 7.5 lakhs>>'.","quote":"Third party (Injury / Death) | Unlimited Third Party Property Damage | Rs.6000/Rs. 1 lakhs ... Third Party Property Damage- <<Rs 6000/Rs. 7.5 lakhs>>","sources":[{"clause":null,"heading":"Extent of Insurance Covers","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17511#c-extent-of-insurance-covers"},{"clause":"Section III","heading":"Personal Accident Cover For Owner-Driver (if Opted and","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17517#c-section-iii"}],"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 to be the sum insured and is fixed at the commencement of each policy period. It is based on the manufacturer's listed selling price of the brand and model, adjusted for depreciation; for vehicles beyond 5 years or obsolete models, it is determined by understanding between insurer and insured.","display":"IDV is the sum insured, 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 ... is to be determined on the basis of an understanding between the insurer and the insured.","sources":[{"clause":null,"heading":"Sum Insured, Insured’s Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-sum-insured-insureds-declared-value-idv"}],"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 including wooden parts, Nil to 50% depending on vehicle age. For painting, 50% applies only on material cost, with material treated as 25% of a consolidated painting bill.","display":"50% rubber/nylon/plastic/tyres/tubes/batteries/air bags; 30% fibre glass; Nil glass; other parts Nil to 50% by 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 ... Rate of depreciation for all other parts including wooden parts will be as per the following schedule. ... Not exceeding 6months | Nil ... Exceeding 10 years | 50% ... In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. ... the material component shall be considered as 25% of total painting charges","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/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-2"},{"clause":"3","heading":"For all parts made of glass – Nil","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#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":"Normal NCB is a discount on OD premium from 20% to 50% depending on claim-free years. Incremental NCB applies on renewal of a Long-Term Policy with another long-term policy, but total NCB under all circumstances will not exceed 50%.","display":"Normal NCB 20% to 50% on OD premium; incremental NCB for long-term renewal; total NCB not over 50%","note":null,"quote":"you are eligible for two types of NCBs – Normal NCB and Incremental NCB. ... However, the total NCB (normal NCB plus incremental NCB) under all circumstances will not exceed 50%. ... No claim made or pending during the preceding year | 20% ... No claim made or pending during preceding Five consecutive years | 50% ... Incremental NCB would be offered to you as per the following table, which will be applicable if you renew your long-term policy with another long-term policy.","sources":[{"clause":null,"heading":"No Claim Bonus (NCB)","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-no-claim-bonus-ncb"}],"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 policy says the deductible is stated in the schedule and IMT.22 uses blanks for the amount, so the fixed rupee amount is not printed in the provided wording.","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 under Section 1; the amount is left blank in the wording and is the amount opted by the insured. If opted, the insured bears the deductible for each and every event, including total loss or constructive total loss.","display":"Optional voluntary deductible; amount not printed","note":"The wording uses blanks for the rupee amounts; the actual voluntary deductible is inserted if opted.","quote":"the insured having opted a voluntary deductible of Rs. ............* a reduction in premium of Rs. .......** under Section 1 of the policy is hereby allowed. ... the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss ) the first Rs.........*** ... * To insert voluntary deductible amount opted by the insured under tariff for Private car / tariff for motorised two wheeler.","sources":[{"clause":null,"heading":"IMT 22A. VOLUNTARY DEDUCTIBLE","page":30,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-imt-22a-voluntary-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":"Owner-driver PA cover pays compensation for bodily injury/death in direct connection with the insured vehicle, with 100% for death, loss of two limbs/two eyes/one limb and one eye, or permanent total disablement, and 50% for loss of one limb or sight of one eye. Total liability is capped at Rs. 15 lakhs during any one period of insurance, and the owner-driver must be the registered owner, the insured named in the policy, and hold an effective driving license.","display":"Up to Rs. 15 lakhs; death/PTD/two limbs or eyes 100%, one limb or one eye 50%; subject to registered owner, named insured and effective driving licence","note":null,"quote":"The Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured ... 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":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-section-iii"},{"clause":"1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-1-3"},{"clause":"2(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-2-a"},{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-2-b"},{"clause":"2(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-2-c"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"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":"Cashless service is described: after documents are in order, repair approval is shared, and for cashless claims the delivery order is shared with the workshop and the insurance claim amount is paid directly to the network garage.","display":"Yes, cashless claims at network garage","note":null,"quote":"Details of procedure to be followed for cashless service as well as for reimbursement of claim ... Documents are verified by the surveyor, and if all documents are in order, repair approval is shared immediately ... 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":"Section III","heading":"Personal Accident Cover For Owner-Driver (if opted and","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17517#c-section-iii-4"}],"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","contractual liability","being used otherwise than in accordance with the ‘Limitations as to Use’","any person other than a Driver as stated in the Driver's Clause","war, invasion, the act of foreign enemies, hostilities or warlike operations","nuclear weapons material"],"display":"Wear and tear/breakdowns, tyre/tube damage unless vehicle also damaged, accessories theft unless vehicle stolen, drunk/drug driving, outside geographical area, contractual liability, wrong use, unauthorised driver, war and nuclear 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 ... c) Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time, and ... 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’ ... any person other than a Driver as stated in the Driver's Clause ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... nuclear weapons material","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-5"},{"clause":null,"heading":"General Exclusions (Applicable to all sections of Policy)","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-general-exclusions-applicable-to-all-sections-of"}],"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 IDV. IDV is fixed at the start of each policy period from the manufacturer's listed selling price of the vehicle and accessories, adjusted for depreciation; it is treated as market value throughout the policy period for total loss or constructive total loss claims.","display":"IDV, based on manufacturer’s listed selling price adjusted for depreciation and 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. ... 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.","sources":[{"clause":null,"heading":"Sum Insured, Insured’s Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524#c-sum-insured-insureds-declared-value-idv"}],"law":[]}],"documents":[{"kind":"wording","label":"Two Wheeler Long Term Package Policy (TWLTPP) - Policy Wordings","pages":36,"fetched_at":"2026-10-17 20:06:11+00","source_url":"https://www.universalsompo.com/assets/file/two-wheeler-long-term-package-policy/two-wheeler-long-term-package-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17524"},{"kind":"prospectus","label":"Two Wheeler Long Term Package Policy (TWLTPP) - Prospectus / Brochure","pages":17,"fetched_at":"2026-10-17 20:06:04+00","source_url":"https://www.universalsompo.com/assets/file/two-wheeler-long-term-package-policy/two-wheeler-long-term-package-policy-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17511"},{"kind":"cis","label":"Two Wheeler Long Term Package Policy (TWLTPP) - CIS","pages":14,"fetched_at":"2026-10-17 20:06:14+00","source_url":"https://www.universalsompo.com/assets/file/two-wheeler-long-term-package-policy/two-wheeler-long-term-package-policy-cis.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617/document/17517"}],"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":"Two Wheeler Long Term Package Policy (TWLTPP) (UIN IRDAN134RP0008V02201617), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/two-wheeler-long-term-package-policy-twltpp-irdan134rp0008v02201617"}