{"uin":"IRDAN134RP0009V02200809","name":"Motor Miscellaneous Vehicle","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809","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-commercial","category_name":"Commercial vehicle insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Motor Miscellaneous Vehicle is an indemnity motor policy for goods carrying vehicles with own damage, third-party liability, towing disabled vehicles and personal accident cover for owner-driver if opted. The CIS lists add-ons including depreciation waiver, engine protector, return to invoice, roadside assistance, key replacement, tyre cover, daily cash allowance and EMI protection.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:29:01.298258+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":"quote-verified","value":["Plan A","Plan B"],"display":"Plan A and Plan B are printed for Depreciation Waiver and Daily Cash Allowance Benefit add-ons","note":"These Plan A/Plan B variants are stated only within add-on wordings, not as base product plans.","quote":"Plans:\nPlan A: The cover is applicable for every partial loss claim during the policy period. Plan B: The cover is applicable for maximum 2 [two] partial loss claims during the policy period. Conditions: ... Plan A:\nThe benefit shall be limited to total of ....... days in excess of the ..... days for accidental damage claims\nPlan B:\nThe benefit shall be payable for ....... Days when the vehicle is laid up for more than ..... days at the garage","sources":[{"clause":null,"heading":"Depreciation Waiver (IRDAN134RP0009V02200809/A0011V03201011)","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/26738#c-depreciation-waiver-irdan134rp0009v02200809-a001"},{"clause":null,"heading":"Daily Cash Allowance Benefit (IRDAN134RP0009V02200809/A0016V03201011)","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/26739#c-daily-cash-allowance-benefit-irdan134rp0009v0220"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The clauses refer to policy period/policy year but do not state the length of one policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of claim must be given immediately after an actual or potential loss begins or as soon as reasonably possible. For theft, the insured should report to the Police as well as insurer within 48 hrs and obtain an FIR or written acknowledgement.","display":"Immediately/as soon as reasonably possible; theft within 48 hrs","note":null,"quote":"Notice of claim must be given by you to us immediately after an actual or potential loss begins or as soon as reasonably possible after actual or potential loss begins. ... 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":"7","heading":"We will not cover any accidental loss, damage, or liability caused directly or","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-7-2"}],"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":["FIR or a written acknowledgement from the Police authorities","repair invoice in original","all relevant claim documents"],"display":"FIR/written police acknowledgement for theft; original repair invoice; relevant claim documents","note":null,"quote":"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. ... Approval /Rejection of Claim after receiving first/addendum survey report | With 7 days from the date of receipt of Survey Report with all relevant claim documents. ... In case of reimbursement claims, Insured will have to submit repair invoice in original and any other documents are pending.","sources":[{"clause":"7","heading":"We will not cover any accidental loss, damage, or liability caused directly or","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-7-2"},{"clause":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-8-2"}],"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":"Initial survey is within 24 hours from claim intimation, survey report is obtained within 15 days of allocation, and approval or rejection is within 7 days from receipt of the survey report with all relevant claim documents.","display":"Initial survey within 24 hours; survey report within 15 days; approval/rejection within 7 days of survey report with all relevant claim documents","note":null,"quote":"Initial Survey | Within 24 hours from the time of intimation of claim to Insurance Company\nObtaining Survey report by Insurance Company | Within 15 days of allocation\nApproval /Rejection of Claim after receiving first/addendum survey report | With 7 days from the date of receipt of Survey Report with all relevant claim documents.","sources":[{"clause":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-8-2"}],"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","under the influence of intoxicating liquor or drug","death ,injury or damage caused or arising beyond the limits of any carriageway or thoroughfare","damage to such towed vehicle or property being conveyed thereby","intentional self injury suicide or attempted suicide physical defect or infirmity","outside the Geographical Area","contractual liability","used otherwise than in accordance with the ‘Limitations as to Use’","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, acts of foreign enemies, hostilities"],"display":"Includes wear and tear/breakdown, tyre damage except with vehicle damage, intoxication, outside geographical area, contractual liability, misuse, radiation/nuclear and war exclusions","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages breakdown, failures or breakages ... b) Damage to tyres and tubes unless the vehicle is damaged at the same time in\nb. Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of which case the liability of the company shall be limited to 50% of the cost of replacement. replacement. ... c) Any accidental loss or damage suffered whilst the insured or any person driving\nc. 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 the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drug. of intoxicating liquor or drug. . . ... The company shall not be liable in respect of death ,injury or damage caused or | Section II – Liability to\nThe company shall not be liable in respect of death ,injury or damage caused or | Section II – Liability to\narising beyond the limits of any carriageway or thoroughfare in connection with the | Third Parties\narising beyond the limits of any carriageway or thoroughfare in connection with the Third Parties bringing of the load to the insured vehicle for loading thereon or the taking away of the load from the insured vehicle after unloading there from the load from the insured vehicle after unloading there from ... respect of damage to such towed vehicle or property being conveyed thereby | Disabled Vehicles\nDisabled Vehicles respect of damage to such towed vehicle or property being conveyed thereby ... The Company shall not be liable to pay in respect of death or bodily injury directly or Section IV- Personal Section IV- Personal The Company shall not be liable to pay in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to (1) intentional self Accident Cover For Accident Cover For indirectly wholly or in part arising or resulting from or traceable to (1) intentional self Owner-Driver Owner-Driver injury suicide or attempted suicide physical defect or infirmity or (2) an accident injury suicide or attempted suicide physical defect or infirmity or (2) an accident happening whilst such person is under the influence of intoxicating liquor or drugs. happening whilst such person 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. the Geographical Area.\n2. Any claim arising out of any contractual liability; ... 3. Any accidental loss or damage and/or liability caused sustained or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the the vehicle insured herein is being used otherwise than in accordance with the ‘Limitations as to Use’ ... 5. Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... 6. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... 7. We will not cover any accidental loss, damage, or liability caused directly or indirectly by war, invasion, acts of foreign enemies, hostilities","sources":[{"clause":"Row 10(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-row-10-a-2"},{"clause":"Row 10(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-row-10-b"},{"clause":"Row 10(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-row-10-c"},{"clause":"Section II","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-section-ii-2"},{"clause":"Section III","heading":"Towing Disabled Vehicles","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-section-iii-2"},{"clause":null,"heading":"Personal Accident Cover For Owner-Driver","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-personal-accident-cover-for-owner-driver"},{"clause":"1","heading":"Any accidental loss or damage and/or liability caused sustained or incurred outside","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-1"},{"clause":"3","heading":"Any accidental loss or damage and/or liability caused sustained or incurred whilst","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-3"},{"clause":"5","heading":"Any liability of whatsoever nature directly or indirectly caused by or contributed to","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-5-2"},{"clause":"6","heading":"Any accidental loss or damage or liability directly or indirectly caused by or","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-6-2"},{"clause":"7","heading":"We will not cover any accidental loss, damage, or liability caused directly or","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-7-2"}],"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 complain through the insurer's toll-free numbers, grievance email, postal address or servicing branch. If still not satisfied, the policyholder may approach the Insurance Ombudsman.","display":"Toll free, Contactus@universalsompo.com, write to the Airoli address or visit the servicing branch before Ombudsman","note":null,"quote":"if you are not satisfied with our services and wish to lodge a complaint, please feel free to contact us through: Toll Free @ 1-800-224030/1-800-2004030 Email of Grievance Redressal Officer at Contactus@universalsompo.com Write to us at (courier/ post): Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane- Belapur Road, Airoli, Navi Mumbai, Maharashtra - 400708 Visit the Servicing Branch mentioned in the policy Document Insurance Ombudsman If You are still not satisfied with the redressal of grievance through above methods, you may also approach the office of Insurance Ombudsman","sources":[{"clause":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-8-2"}],"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":["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","Liability To Third Parties","TOWING DISABLED VEHICLES","Personal accident cover for owner-driver"],"display":"Own-damage perils, third-party liability, towing disabled vehicles and owner-driver PA if opted","note":"The CIS text appears to place 'waterway lift elevator or air' after 'Landslide, rockslide'; it is quoted as printed.","quote":"We will make good the losses caused to the vehicle and/or its accessories while fitted on the vehicle due to: (i) Fire, explosion self-ignition or lightning; (ii) Burglary, housebreaking or theft; (iii) Riot and strike; (iv) Earthquake (Fire and Shock Damage); (v) Flood, typhoon, hurricane, storm, tempest, (vi) Accidental external means; inundation, cyclone, hailstorm, frost; (vii) Malicious act; (viii) Terrorist activity; (ix) whilst in transit by road rail inland - (x) Landslide, rockslide. waterway lift elevator or air; ... 2. Liability To Third Parties We will indemnify against legal liabilities ... 3. TOWING DISABLED VEHICLES ... Personal accident cover for owner-driver (if opted and shown in the Policy Schedule) We will compensate for bodily injury/ death sustained by the owner-driver of the vehicle up to Rs. 15 lakhs during any one period of insurance.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-customer-information-sheet-2"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 CIS mentions a Geographical Area but the provided clauses do not define it for the base policy. The Road Side Assistance add-on separately states a territorial scope within the Republic of India excluding islands.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Section I Own Damage","Section II Liability to Third Parties","Towing Disabled Vehicles","Personal Accident Cover for Owner-driver"],"display":"Own Damage and Liability to Third Parties, plus Towing Disabled Vehicles and PA for Owner-driver","note":"The documents do not use the labels comprehensive, standalone own damage or third-party only.","quote":"Indemnity Basis: Section I Own Damage and Section II Liability to Third Parties, Towing Disabled Vehicles Benefit Basis: Section III Personal Accident Cover for Owner-driver","sources":[{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#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":"quote-verified","value":"The policy indemnifies legal liabilities for death or bodily injury and damage to third-party property arising out of accident of the insured vehicle. Third-party death/bodily injury has no limit; third-party property damage is shown as Rs.6000/Rs. 7.5 lakhs.","display":"Death/bodily injury: No Limit; property damage: Rs.6000/Rs. 7.5 lakhs","note":null,"quote":"Section II- Liability to Third Party For Third Party Death / bodily injury – No Limit (Motor Accidents Claim Tribunal decides the third-party insurance claim amount) ... Third Party Property Damage- Rs.6000/Rs. 7.5 lakhs ... We will indemnify against legal liabilities with respect to the following arising out of accident of insured vehicle: a) Death of or bodily injury to any person including occupants carried in the vehicle ... b) Damage to property of the third party other than property belonging to the insured or held in trust or in the custody or control of the Insured.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-customer-information-sheet-2"}],"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 IDV is based on the manufacturer's listed selling price of the brand and model at start of insurance or renewal, adjusted for depreciation. For vehicles over 5 years old and obsolete models, IDV is agreed between insurer and insured and is treated as Market Value throughout the policy period for TL or CTL claims.","display":"Manufacturer's listed selling price adjusted for depreciation; over 5 years/obsolete by agreement; Market Value for TL/CTL","note":null,"quote":"The IDV of the vehicle (and any fitted accessories) is based on the manufacturer's listed selling price of the brand and model at the start of insurance or renewal, adjusted for depreciation. For vehicles over 5 years old and obsolete models, the IDV is determined by agreement between the insurer and insured. The IDV is considered the 'Market Value' throughout the policy period without further depreciation for Total Loss (TL) or Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-customer-information-sheet-2"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"Depreciation may be deducted if applicable in an own-damage claim. If the Depreciation Waiver add-on is opted, no depreciation is charged on the cost of parts necessarily replaced after an accident causing partial loss.","display":"Depreciation deducted if applicable; Depreciation Waiver add-on gives no depreciation on replaced parts","note":"The base policy's depreciation scale for parts is not printed in the provided clauses; no-depreciation treatment is an optional add-on benefit.","quote":"B | Less: Depreciation (if applicable) | (₹4,000) ... In the case of an accident leading to a partial loss, there will be No depreciation charged on the cost of the parts to be necessarily replaced.","sources":[{"clause":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-8-2"},{"clause":null,"heading":"Depreciation Waiver (IRDAN134RP0009V02200809/A0011V03201011)","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/26738#c-depreciation-waiver-irdan134rp0009v02200809-a001"}],"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":"The NCB Protector add-on keeps the No Claim Bonus protected despite claims and not impaired at renewal, if there are not more than 2 claims in the current policy year, the policy is renewed with the insurer within 90 days of expiry, and higher NCB than entitlement is not claimed.","display":"NCB Protector keeps NCB despite claims, subject to not more than 2 claims and renewal within 90 days","note":"The base NCB discount scale is not printed in the provided clauses; this answer is for the NCB Protector add-on.","quote":"the No Claim Bonus allowed under this policy shall stay protected despite the occurrence of claims and shall not be impaired at the time of the next renewal with us provided: ... There are not more than 2 claims, paid or outstanding, in the current policy year. ... The policy is renewed with us within 90 days of its expiry. ... Higher NCB than the entitlement is not claimed under the current policy.","sources":[{"clause":null,"heading":"NCB Protector (IRDAN134RP0009V02200809/A0010V01202021)","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27051#c-ncb-protector-irdan134rp0009v02200809-a0010v0120"},{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27051#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27051#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27051#c-3"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The CIS says the deductible is stated in the Schedule and shows a sample calculation with ₹2,000, but it does not state the actual compulsory deductible for this product.","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":"not-stated","value":null,"display":null,"note":"The CIS lists voluntary deductible under loss participation but only says the value is applicable/as per endorsements, without stating the selectable amounts.","quote":null,"sources":[],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Depreciation Waiver","Cost of Consumable","Engine Protector","Return to Invoice","Road Side Assistance","Key Replacement Cover","Tyre Cover","Additional Towing Charges","Daily Cash Allowances Benefit","EMI Protection","Insurance at manufacturing selling price","Loss Of Driving License/ Registration Certification","NCB Protector"],"display":"Depreciation Waiver, Cost of Consumable, Engine Protector, Return to Invoice, Road Side Assistance, Key Replacement, Tyre Cover, Additional Towing, Daily Cash Allowance, EMI Protection, Insurance at manufacturing selling price, Loss Of Driving License/Registration Certification and NCB Protector","note":"Add-ons apply only if opted and mentioned in the policy schedule.","quote":"Following Add-on covers are applicable under your policy. (Only Add-On covers opted by you and mentioned in the policy schedule will be applicable to your Policy) 1. Depreciation Waiver ... 2. Cost of Consumable ... 3. Engine Protector ... 4 Return to Invoice ... 5 Road Side Assistance ... 6 Key Replacement Cover ... 7 Tyre Cover ... 8 Additional Towing Charges ... 9 Daily Cash Allowances Benefit ... 10 EMI Protection ... 11 Insurance at manufacturing selling price ... 12 Loss Of Driving License/ Registration Certification ... 13 NCB Protector","sources":[{"clause":"Row 4(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-row-4-b"},{"clause":"4","heading":"Return to Invoice","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-4"},{"clause":"5","heading":"Road Side Assistance","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-5"},{"clause":"6","heading":"Key Replacement Cover","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-6"},{"clause":"7","heading":"Tyre Cover","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-7"},{"clause":"8","heading":"Additional Towing Charges","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-8"},{"clause":"9","heading":"Daily Cash Allowances Benefit","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-9"},{"clause":"10","heading":"EMI Protection","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-10"},{"clause":"11","heading":"Insurance at manufacturing selling price","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-11"},{"clause":"12","heading":"Loss Of Driving License/ Registration Certification","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-12"},{"clause":"13","heading":"NCB Protector","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-13"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repair is available through the stated procedure: documents are verified, repair approval is shared, and upon submission of repair invoice for cashless claims the delivery order is shared with the workshop and the claim amount is paid directly to the network garage.","display":"Yes, 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\n• Intimation of claim to Insurance Company through various mediums available\n• Deputation of surveyor by Insurance Company\n• Documents are verified by the surveyor, and if all documents are in order, repair approval is shared immediately\n• Once the repair works are completed by the workshop, re-inspection of the vehicle may be carried out, if required.\n• 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":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-8-2"}],"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 drug","death ,injury or damage caused or arising beyond the limits of any carriageway or thoroughfare","damage to such towed vehicle or property being conveyed thereby","outside the Geographical Area","contractual liability","used otherwise than in accordance with the ‘Limitations as to Use’","other than a Driver as stated in the Driver’s Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, acts of foreign enemies, hostilities"],"display":"Main motor exclusions include wear and tear/breakdown, tyre damage except with vehicle damage, intoxication, outside geographical area, contractual liability, misuse or unauthorised driver, radiation/nuclear and war","note":null,"quote":"a) Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages breakdown, failures or breakages ... b) Damage to tyres and tubes unless the vehicle is damaged at the same time in\nb. Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of which case the liability of the company shall be limited to 50% of the cost of replacement. replacement. ... c) Any accidental loss or damage suffered whilst the insured or any person driving\nc. 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 the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drug. of intoxicating liquor or drug. . . ... The company shall not be liable in respect of death ,injury or damage caused or | Section II – Liability to\nThe company shall not be liable in respect of death ,injury or damage caused or | Section II – Liability to\narising beyond the limits of any carriageway or thoroughfare in connection with the | Third Parties\narising beyond the limits of any carriageway or thoroughfare in connection with the Third Parties bringing of the load to the insured vehicle for loading thereon or the taking away of the load from the insured vehicle after unloading there from the load from the insured vehicle after unloading there from ... respect of damage to such towed vehicle or property being conveyed thereby | Disabled Vehicles\nDisabled Vehicles respect of damage to such towed vehicle or property being conveyed thereby ... 1. Any accidental loss or damage and/or liability caused sustained or incurred outside the Geographical Area. the Geographical Area.\n2. Any claim arising out of any contractual liability; ... 3. Any accidental loss or damage and/or liability caused sustained or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the the vehicle insured herein is being used otherwise than in accordance with the ‘Limitations as to Use’ or being driven by or is for the purpose of being driven by ‘Limitations as to Use’ or 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 him/her in the charge of any person other than a Driver as stated in the Driver’s Clause. Clause. ... 5. Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity ... 6. Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... 7. We will not cover any accidental loss, damage, or liability caused directly or indirectly by war, invasion, acts of foreign enemies, hostilities","sources":[{"clause":"Row 10(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-row-10-a-2"},{"clause":"Row 10(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-row-10-b"},{"clause":"Row 10(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-row-10-c"},{"clause":"Section II","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-section-ii-2"},{"clause":"Section III","heading":"Towing Disabled Vehicles","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-section-iii-2"},{"clause":"1","heading":"Any accidental loss or damage and/or liability caused sustained or incurred outside","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-1"},{"clause":"3","heading":"Any accidental loss or damage and/or liability caused sustained or incurred whilst","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-3"},{"clause":"5","heading":"Any liability of whatsoever nature directly or indirectly caused by or contributed to","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-5-2"},{"clause":"6","heading":"Any accidental loss or damage or liability directly or indirectly caused by or","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-6-2"},{"clause":"7","heading":"We will not cover any accidental loss, damage, or liability caused directly or","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-7-2"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis for Section I is IDV: the vehicle and fitted accessories' value is based on the manufacturer's listed selling price at the start of insurance or renewal, adjusted for depreciation. The IDV is treated as Market Value during the policy period for total loss or constructive total loss claims.","display":"IDV, treated as Market Value for TL/CTL","note":null,"quote":"Sum Insured / Motor Insured Declared Value Scope | Section I – Loss of Or Damage To The Vehicle Insured: The IDV of the vehicle (and any fitted accessories) is based on the manufacturer's listed selling price of the brand and model at the start of insurance or renewal, adjusted for depreciation. ... The IDV is considered the 'Market Value' throughout the policy period without further depreciation for Total Loss (TL) or Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532#c-customer-information-sheet-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Motor Miscellaneous Vehicle - Policy Wordings","pages":24,"fetched_at":"2026-10-17 20:06:45+00","source_url":"https://www.universalsompo.com/assets/file/motor-miscellaneous-vehicles/motor-miscellaneous-vehicles-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17534"},{"kind":"wording","label":"Motor Goods Carrying Vehicle (Depreciation Waiver ) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:41+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0011V03201011_GEN3940.pdf/f133c25f-451f-2748-8242-856dcb0777c7?version=1.1&t=1668854053066&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/26738"},{"kind":"wording","label":"Motor Goods Carrying Vehicle (Daily Cash Allowances Benefit ) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:42+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0016V03201011_GEN3941.pdf/26ae97f7-ba1f-bf8b-28cf-33e5ffc337de?version=1.1&t=1668854108890&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/26739"},{"kind":"wording","label":"Motor Misc. Vehicle (Daily Cash Allowances Benefit ) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:46+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0015V03201011_GEN3945.pdf/9594fd9c-488c-e8c8-d069-87bcf64816ed?version=1.1&t=1668854398018&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/26743"},{"kind":"wording","label":"NCB Protector-Motor Goods carrying vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:20+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0010V01202021_GEN4348.pdf/6dc808fe-372d-f798-4fe1-0c392676e29c?version=1.1&t=1668844936412&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27051"},{"kind":"wording","label":"Return to Invoice-Motor Goods carrying vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:21+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0011V01202021_GEN4349.pdf/2041f219-40fc-edb0-5556-5abe5ebadcc3?version=1.1&t=1668844993900&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27052"},{"kind":"wording","label":"Key Replacement-Motor Goods carrying vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:22+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0012V01202021_GEN4350.pdf/ffa47023-9d78-a8ec-9f58-98017e71a773?version=1.1&t=1668845045708&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27053"},{"kind":"wording","label":"Road side Assistance-Motor Goods carrying vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:23+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0008V01202021_GEN4351.pdf/85ed2410-8ffc-3769-be4d-89bd9263e277?version=1.1&t=1668845131398&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27054"},{"kind":"wording","label":"Cost of Consumables -Motor Goods carrying vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:24+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0009V01202021_GEN4352.pdf/6c8cf24f-5b9d-5b30-e92a-a83157ee881b?version=1.1&t=1668845269324&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27055"},{"kind":"wording","label":"Additional Towing Charges-Motor Goods carrying vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:25+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0013V01202021_GEN4353.pdf/6a5e8b9b-21bd-0e9f-3a51-324b86f6a504?version=1.1&t=1668845318116&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27056"},{"kind":"wording","label":"EMI Protection-Motor Goods carrying vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:26+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0014V01202021_GEN4354.pdf/d24e44d9-f3e1-2b3c-6352-7c43066ee835?version=1.1&t=1668845368140&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27058"},{"kind":"wording","label":"NCB Protector-Motor Miscellaneous vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:28+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0017V01202021_GEN4356.pdf/42db7dec-8ba5-0829-37cd-c43ffd708edd?version=1.1&t=1668845481894&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27059"},{"kind":"wording","label":"Tyre cover-Motor Goods carrying vehicle (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:42:27+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0015V01202021_GEN4355.pdf/aeab9d01-72fd-29ec-cf42-d27cfa1aaa9f?version=1.1&t=1668845426948&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27060"},{"kind":"wording","label":"Key Replacement-Motor Miscellaneous vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:30+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0019V01202021_GEN4358.pdf/b6bb8552-c8fc-e7dd-5528-a25139b625d2?version=1.1&t=1668849797948&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27061"},{"kind":"wording","label":"Return to Invoice-Motor Miscellaneous vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:29+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0018V01202021_GEN4357.pdf/317ed66e-95f2-adb2-97f4-e3ada3661c4d?version=1.1&t=1668849153015&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27062"},{"kind":"wording","label":"Cost of Consumables -Motor Miscellaneous vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:33+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0021V01202021_GEN4360.pdf/e1bbfa00-1511-c7b2-d6be-1681d3ecd7a9?version=1.1&t=1668849921519&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27063"},{"kind":"wording","label":"Road side Assistance-Motor Miscellaneous vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:31+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0020V01202021_GEN4359.pdf/0da826db-b9c5-fe46-3731-0e666896ef0c?version=1.1&t=1668849856383&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27064"},{"kind":"wording","label":"Additional Towing Charges-Motor Miscellaneous vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:34+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0022V01202021_GEN4361.pdf/1ffc3011-5336-26c0-5124-379d15e17ca5?version=1.1&t=1668850033998&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27065"},{"kind":"wording","label":"EMI Protection-Motor Miscellaneous vehicle (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:35+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0023V01202021_GEN4362.pdf/ccf3d0e4-2e49-3424-dd0e-6f5cf5226dd6?version=1.1&t=1668850114133&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27066"},{"kind":"wording","label":"Tyre cover-Motor Miscellaneous vehicle (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:42:36+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0024V01202021_GEN4363.pdf/24967ad4-c3f2-f44f-f172-7304ed1fbb34?version=1.1&t=1668850175815&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27071"},{"kind":"wording","label":"Engine Protect -Motor Miscellaneous vehicle (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:42:49+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0010V02200809A0016V01202021_GEN4376.pdf/0cdd6607-ee5e-3333-b28b-5cc0b82ec3e6?version=1.1&t=1668851203077&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27079"},{"kind":"wording","label":"Engine Protect -Motor Goods carrying vehicle (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:42:48+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0009V02200809A0007V01202021_GEN4375.pdf/edba9cbc-1d36-225d-8935-86c82adb6910?version=1.1&t=1668851091312&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/27080"},{"kind":"prospectus","label":"Motor Miscellaneous Vehicle - Prospectus / Brochure","pages":24,"fetched_at":"2026-10-17 20:06:37+00","source_url":"https://www.universalsompo.com/assets/file/motor-miscellaneous-vehicles/motor-miscellaneous-vehicles-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17537"},{"kind":"cis","label":"Motor Miscellaneous Vehicle - CIS","pages":13,"fetched_at":"2026-10-17 20:06:48+00","source_url":"https://www.universalsompo.com/assets/file/motor-miscellaneous-vehicles/motor-miscellaneous-vehicles-cis.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17532"},{"kind":"rider","label":"Motor Miscellaneous Vehicle - Adds On","pages":9,"fetched_at":"2026-10-17 20:01:54+00","source_url":"https://www.universalsompo.com/assets/file/motor-miscellaneous-vehicles/motor-miscellaneous-vehicles-addon.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809/document/17401"}],"versions":[{"uin":"IRDAN134RP0010V02200809","version":null,"approved_on":null},{"uin":"IRDAN134RP0009V02200809","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.universalsompo.com/resourse-grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.universalsompo.com/renew-now/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Motor Miscellaneous Vehicle (UIN IRDAN134RP0009V02200809), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/motor-miscellaneous-vehicle-irdan134rp0009v02200809"}